Biometric Encryption is the process of using a characteristic of the body as a method to code or scramble/descramble data. Physical characteristics such as fingerprints, retinas and irises, palm prints, facial structure, and voice recognition are just some of the many methods of biometric encryption being researched today. Since these characteristics are unique to each individual, biometrics are seen as the answer to combat theft and fraud, particularly when dealing with commerce over the Internet. The reason that this new technology is believed to be superior to the use of passwords or personal identification numbers (PINs) is that a biometric trait cannot be lost, stolen, or recreated, at least not easily. As one industry expert put it, "Unless criminals are going to start cutting off peoples fingers to gain access to their accounts, biometric encryption is an excellent method for controlling access to those who should have it."