Agricultural super counter full face recognition on the line, more secure and efficient business

自推出超级柜台以来,中国农业银行本着以“提升客户体验、节省人力成本、加强风险管控”为宗旨,不断升级超级柜台的各项功能。2月25日,中国农业银行超级柜台完成了全国34个一级分行人脸识别全面上线,通过人脸识别技术加码超级柜台,超级柜台业务更为智能、高效。
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人脸识别是基于人的脸部特征信息进行身份识别的一种生物识别技术,相对于指纹识别、虹膜识别、声纹识别等生物识别技术,具有用户体验好、无需接触设备、识别速度快等优势,相比传统的密码、短信验证码又具有无需用户操作、节省成本,且能达到强实名身份核验的要求。
据农行软开中心人脸识别项目负责人张吉介绍,在超级柜台业务采用人脸识别,包括个人开卡、电子银行签约、账户挂失、密码重置、个人结售汇、理财签约购买等8类52项产品中进行应用。
在需要后台人工审核的业务方面:如用户开卡业务,可由人脸识别技术进行“人、证”比对,判断是否持本人证件进行开户;用户交易业务方面:诸如理财、转账等业务,可在用户传统输入密码方式的基础上增加人脸识别,用于增强用户身份的核验;其它业务方面:如密码重置、挂失解挂等业务,采用人脸识别能否防止他人盗取用户密码、银行卡后进行信息更改,保护用户信息安全。
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农业银行工作人员介绍,通过超级柜台办理用户开卡业务时,由大堂工作人员引导用户到超级柜台前,进行自助业务办理。

B32 定期发布网络诈骗、计算机病毒预警

当用户完成信息录入、提交身份证件OCR识别后,由有台工作人员进行视频审核用户身份,是否和证件人像一致。
由于后台工作人员采用一对多的方式,同时查看审核多台自助设备的用户身份,往往存在视觉疲劳、审核错误以及审核流程排队的问题。而引入人脸识别后,用户在审核身份环节按照屏幕提示完成简单的头部动作即可,无需进行排队等待审核。
工作人员只需对“认证”比对不通过的人员进行复核,使业务办理更为高效快捷,且对用户交易的影像数据进行保存,防止用户交易抵赖。
而对于用户来讲,李女士所说道:使用人脸识别技术的超级柜台能确实够满足她绝大部分的业务办理需求,告别了以往的叫号排队、各类签名、填单情况。现在可以自行在超级柜台上进行查看各类业务情况,对于办理各类业务时,只需填写少量信息,即可完成多项业务办理,处理速度提高了1-2倍,如柜面原来开卡业务需耗时十几分钟的业务现只需要三四分钟。且李女士曾经多次存在银行卡被盗的情况,若不法分子通过其他渠道获取了李女士的密码时,则存在资金安全的风险。
而采用人脸识别的超级柜台,当他人盗用李女士银行卡与密码时也无法通过超级柜台定的人脸核验环节,无法进行资金交易。且当该操作者为银行黑名单用户时,还可进行后台报警,由行方安保人员进行处理。

关于此次超级柜台采用人脸识别技术,正如此项目人脸识别供应商云从科技的金融事业部总经理张兴旺所说,通过在超级柜台上采用人脸识别技术进行核验用户身份,加强对用户交易的安全管控,能够有效的阻止盗用、冒用他人证件进行金融交易,保障用户资金安全、信息安全;另一方面,采用人脸识别技术可以逐步替代后台中心人工审核,减少人力成本、提升业务办理效率。
云从科技作为银行业第一大人脸识别供应商,将最先进的人脸识别和生物识别技术应用提升金融安全服务和智慧营销提升。
快讯丨37家分行 30000+超级柜台 农行成首家全国范围采用人脸识别技术的四大行
他拿七次AI识别世界冠军 帮18省警察叔叔抓坏蛋 99%准确率助银行刷脸认证

希拉里并非因为粗心犯错,美国高层信息安全或有大漏洞

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Since the launch of the super counter, the Agricultural Bank of China in the spirit of enhance customer experience, save labor costs, strengthen risk management and control as its purpose, and constantly upgrade the functions of the super counter. In February 25th, the Agricultural Bank Chinese super counter completed one of the 34 branches of face recognition and face recognition technology through a comprehensive on-line, overweight super counter, super counter business is more intelligent and efficient.
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Face recognition is a biometric identification technology based on facial features of people’s information, compared with fingerprint recognition, iris recognition, voice recognition and other biometric technology, has a good user experience, without contacting the equipment, recognition speed and other advantages, compared with the traditional password, SMS verification code and has no user operation, save the cost, and can achieve strong real name identity verification requirements.
According to ABC soft center face recognition project leader Zhang Ji introduced in the super counter business uses face recognition, including personal bank card, electronic contract, account password reset, personal loss, foreign exchange, financial contract purchase and other 8 categories of 52 products in the application.
In the business background manual audit: if the user can open the card business, by the technology of face recognition , card comparison, determine whether I hold documents to open an account; user transactions, such as financial transfers and other services, can increase the face recognition based on user input password on the traditional way, to enhance the verification the identity of the users; other business: such as password reset, the loss of hanging solution business, using face recognition can prevent others to steal user passwords, bank card information change, protect the security of user information.
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The agricultural bank staff, for the user to open the card business through the super counter, the staff to guide the user to the super counter for self service.
When the user to complete the information entry, identification documents submitted to the identification of OCR, by a staff member of the video to verify the identity of the user, and whether the documents consistent portrait.
Due to the background staff using one to many ways, while viewing the audit of multiple self-service device user identity, there are often visual fatigue, audit errors and audit process queue problem. After the introduction of face recognition, the user in accordance with the verification of the identity of the screen prompts to complete a simple head action can be done without waiting in line for audit.
The staff only through the certification on staff review, make business more efficient, and the image data to the user transactions to save, to prevent the user transaction repudiation.
But for users, Ms. Lee said: the use of face recognition technology can meet the super counter most of her business needs, bid farewell to the past, various types of signature, calling and queuing to fill a single case. Now can check all kinds of business in the super counter, to handle all types of business, only need to fill out a small amount of information, you can complete a number of business process, the processing speed is improved by 1-2 times, such as the original business card counter takes ten minutes for business now only need three or four minutes. And Ms. Lee has repeatedly been the case of bank card theft, if criminals access to Ms. Lee’s password through other channels, there is a risk of financial security.
The recognition of the super counter, when Ms. Li misappropriated the bank card and password can not through the face verification link super counter set, to conduct financial transactions. And when the operator for the bank blacklist users, but also for the background of the alarm, by the side of the security personnel to deal with.
About the super counter using face recognition technology, so face recognition technology provider of cloud from the general manager of Finance Division Zhang Xingwang said, verify user identity through the use of face recognition technology in super counter, to strengthen the safety control of user transactions, can effectively prevent theft and impersonation documents to conduct financial transactions, security the safety of users of funds and information security; on the other hand, using face recognition technology can replace the background manual audit, reduce labor costs, improve business process efficiency.
Cloud technology as the first face recognition from the banking industry suppliers, the most advanced face recognition and biometric technology to enhance financial security services and enhance the wisdom of marketing.
News, 37 branches and 30000 super counter ABC into four lines first nationwide using face recognition technology
He took seven AI to identify the world champion to help police officers in the province of the police to catch the bad guys of the accuracy rate of 99% to help banks face recognition of the
师夷长技以技夷,美国佬想利用IT技术优势来输出价值观,获得国家利益,却不料其依先的技术被敌对国家用来进行对抗。
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要加强员工特别是开发人员和服务人员的安全理念的学习,将安全功能内置进设备中,另外要注意加强产品安全功能的培训,使合作伙伴及客户都会开启安全防护措施。

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