You don’t have to “shake your head” over and over again when you do business at the bank for face authentication.
On December 26, the reporter learned that the Industrial and Commercial Bank of China recently launched a new generation of face verification system on mobile banking, and completed nationwide customer promotion, with an average daily transaction volume of over 5 million. The system applies light liveness detection technology and is supported by Tencent Cloud Eye. During the light liveness detection process, the user does not need to perform any action interaction, and can complete face authentication by keeping the posture unchanged for a short time, enjoying more convenient and efficient financial services.
As a biometric identification technology based on facial feature information, face verification has been widely used in many scenarios in the financial industry to meet the verification needs of financial customers with real names, real persons, demonstrations, and wishes. For example, opening an account in mobile banking, securities trading, etc.
In order to prevent fraudulent use of identities, traditional face verification often requires the user to complete additional actions such as blinking, opening the mouth, shaking the head, and nodding multiple times to verify whether the operation is performed by a real person. This verification method requires user interaction. High, user experience is not very friendly.
The light biopsy adopted by ICBC’s new-generation face-to-face nuclear system is a new type of living body detection technology. The principle is to capture the imaging difference of the face under different colors of light emitted by the mobile phone, decouple the face shape information and material information, and integrate the cryptography strategy, use the combination of projected light as the verification code, and perform self-encoding and decoding during the detection process , so as to complete real-time automatic verification.
(“Live light” face core body detection)
In addition, in order to meet the differentiated application needs of the business, ICBC’s new generation of face verification system also innovatively builds the product parameters of optical biopsy, adds camera fingerprint verification and equipment risk detection, and can balance face recognition according to business needs. Security and ease of identification.
The relevant person in charge of ICBC said that the successful construction and application of light biopsy is an important achievement of ICBC’s continuous enrichment of face biopsy capabilities. In the future, ICBC will continue to improve the technical capabilities of face biopsy and promote the productization of face recognition in combination with the diversified needs of users and the development of new Internet technologies, so as to provide users with friendly and efficient face recognition services.
It is understood that Tencent Yunhuiyan face verification is a set of service suites for verifying and reviewing the authenticity of user identity information, providing face verification, identity information verification, bank card element verification and operator element verification, etc. Information authentication capabilities. In the authoritative technical inspection of the National Financial Technology Evaluation Center (NFEC), Tencent Cloud Eye became the first product to complete the face recognition technology inspection of the NFEC mobile financial client.
In the future, Tencent Cloud Eye will continue to promote technology research and development, standard formulation, and continue to provide the industry with high-security and excellent-experience identity verification services.
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