Face recognition pays hot, how is the security risk difficult to break?

The “swipe face” account opened by Internet banking has also been included in the measurement range of technology adoption by traditional banks. However, compared with Zhejiang Internet Bank and Weizhong Bank, some traditional big banks are obviously more cautious about this attitude.

“We believe that face recognition technology is not mature enough. There are problems with remote account opening and face-to-face payment. It will be more cautious. Even if the supervision is released, we will wait for many banks to apply it later. Especially our credit card center, It is even more important to let the loan go out," said a person from a traditional bank credit card center in Shanghai.

Shan Shiguang, a researcher at the Institute of Computing Technology of the Chinese Academy of Sciences, pointed out that brush-face account opening and face-sharing payment technology currently involve two problems in terms of technology maturity. First, there is a dilemma that weighs convenience and security. The second problem is more serious, that is, the problem of prosthetic deception. “This is the biggest technical challenge that face payment may face,” he stressed. Once the face payment is popular, there will be illegal elements such as photos, videos and even three-dimensional hoods to deceive the face payment system. wealth.

Internet banking is urgently required to be released

Since 2015, several IT giants and listed companies such as Tencent and Ali have added the layout of the face recognition industry, and hope to extend the application of face payment technology to the financial business.

In March of this year, Ma Yun, Chairman of the Board of Directors of Alibaba Group, demonstrated the Smile to Pay scanning technology of Ant Financial when he participated in the event in Germany. This payment authentication technology was developed by Ant Financial and Face++ Financial to replace traditional passwords in the payment authentication stage after shopping. This means that in the future, “paying for the face” can be achieved. Alipay claims that Face++Financial face recognition technology achieves 99.5% accuracy in the international authoritative face recognition database LFW international public test set. At the same time, it can also use the technology of “interactive command + continuity judgment + 3D judgment”.

Tencent’s Tenpay has said that it has reached a strategic cooperation with the National Citizen ID Card Number Service Center affiliated to the Ministry of Public Security of China. Tencent and Weizhong Bank are experimenting with the application of face recognition for financial and securities businesses. It is reported that Ali and Tencent have plans to apply the face payment technology to the market during the year.

As an Internet bank under the wireless physical network and counter business, in the view of Weizhong Bank and Zhejiang Internet Bank, face recognition technology is relatively mature, and the application in remote account opening and face payment is worth looking forward to, and calls for regulatory release. Open an account remotely. Yu Shengfa, the governor of Zhejiang Internet Business Bank, told the reporter of China Business News that he did not release the “remote account opening”, and the business development of online merchant banks was extremely constrained. After all, the core of the bank is the account system. Without this system, the space that banks can display is small. Yu Shengfa said that online merchant banks can't do account opening and deposit business, and can only do simple business that does not need to rely on accounts or can be realized through other accounts.

Face recognition technology is the technical carrier for remote account opening. The insiders of Ant Financial Service have said that for face recognition and face-lifting, Ant Financial has formed a relatively mature program. In the future, remote account opening through cross-validation through multiple systems such as social systems and network credit reporting systems is worth looking forward to.

Guosen Securities analysis report pointed out that for face recognition, the system will collect PC or mobile phone camera video frames, through face detection and key point positioning, and then calculate whether the face angle, occlusion and light need to be re-photographed, if passed, then Obtain the face that meets the quality requirements, extract the mouth features for lip language recognition, judge whether it is a living body through lip language comparison, further compress and encrypt the face detected by the living body, and finally call the face recognition comparison service and compare The result is returned.

In this regard, many industry insiders said that how to build a system that successfully completes the above process becomes the biggest difficulty in achieving the goal of remote account opening through face recognition. When the risk point has not been completely "exposed" or "thinking", the bottom line of the face sign will not be easy. break in.

From the perspective of the regulatory attitude, it is also very cautious. Long-term account opening has long been inquiring. In 2014, the central bank began to “unbundle” the rules for electronic accounts and remote account opening, and implemented separate supervision of strong and weak real-name accounts. In early 2015, it issued “On Banks and Financial Institutions to Open RMB Banks Remotely”. Guidance for the account (draft for comments).

It is understood that the reason why the central bank is more cautious about remote account opening is mainly due to the remote account opening plan of the two online banking reports of the online merchant bank and the micro-bank, whose technical reliability has not been tested because there is no independent testing by a third party. With the acceptance, the central bank has no confidence in the reliability of the system. The data of the two companies are provided by the two banks themselves and have not been tested by the central bank. In addition, the central bank is worried that the two remote account opening trials for online merchants and Weizhong will have an impact on other banks.

Is it not mature to open an account?

The bold and innovative attitude of online banking has not allowed the traditional big banks to ignore possible security risks, and the evaluation results of the adoption of this technology by the Bank are not satisfactory.

"We have discovered through a company research that face recognition technology is not mature, even in the United States, it is not used in the financial field, and it is not very optimistic in the short term," said a bank source.

On June 28th, at the Beijing International Finance Center, jointly organized by the “Future Forum”, the topic entitled “Computer Vision: From Brushing to Recognizing All Things”, Shan Shiguang said: “It must be stated that despite the existing people The accuracy of face recognition technology on face database such as LFW has reached 99.5%, but this does not mean that face recognition technology has matured in all application scenarios. In general, face recognition is a lot in financial, security and other scenarios. The application is still immature and there is still a long way to go."

He pointed out that the face-to-face and face-sharing technology, currently from the maturity of technology, mainly involves two issues: First, there is a dilemma between trade-off convenience and security. Assuming the customer opens an account at a non-bank site, he submits the ID card information to the system. The system obtains the photo of the second-generation card from the National ID Center and compares the account holder to determine whether it is the legal holder of the certificate. Shan Shiguang predicted, "In this scenario, if security is to be ensured, the misrecognition rate may be lower than 0.0001, and the recognition rate may be only about 70% at this time, which means that 100 times of brushing may have 30 unsuccessful attempts. It will be very inconvenient. To increase the recognition rate to increase convenience, it is necessary to increase the false positive rate to 0.001 or even 0.01, which in turn will bring serious security problems that are easy to be fraudulently used. It is likely to be taken ten years ago, and the face-collection environment for the face payment is very complicated, diverse and uncontrollable."

The technical difficulty of the customer to pay for the face after legal account opening may be relatively better, because the photos taken by the user when opening the account (may be more than one) can be used as a photo of the person's database, which can be used together with the second generation card to verify the payment. On-site customer photos, in this scenario, if the false positive rate is set at a relatively safe 0.0001, the recognition rate may reach 90% or higher.

The second problem is more serious, that is, the problem of prosthetic deception, "this is the biggest technical challenge that face payment may face." He stressed that once the face payment is popular, there will be illegal elements such as photos, videos and even three-dimensional hoods to deceive the face payment system and illegally obtain wealth. From the current technical level, although the scientific and technological community has developed a variety of anti-spoofing techniques such as blinking, lip movement or 3D, it is not invulnerable. The so-called "one foot high, a high height, such as you can be recorded by the scammer, you can also generate a video with your blink or lip, or even make a 3D headgear with the real person to deceive the face recognition system".

"Preventing prosthetic attacks is a non-negligible homework for face recognition systems. It has an important preventive effect on the security of accounts and payments. As far as the current testing is concerned, if the market is now introduced, the technical and security conditions are still immature." The banker said.

Shan Shiguang pointed out that combined with the current market situation and the current level of technology development, combined with the actual test results of the company, the living detection technology still has one or the other problems, perhaps in the civilian-level application scenario, it can still be applied smoothly, but In areas such as finance with high security levels, this technology still has shortcomings and vulnerabilities that cannot be applied immediately and separately in the financial sector.

"Unlike some new private banks, we put more emphasis on security. Even if the regulations are released, we will wait and see if the technology is not mature enough. The risk tolerance is not as high as that of small banks." The bank said .

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