With the development of the times and the continuous improvement of technology, biometrics technology will also usher in new changes and needs. The intersection of biometrics and the Internet and the Internet of Things will become the focus of various industries. The current single biometric technologies have their own advantages and disadvantages, and some problems will inevitably occur in the application. Perhaps the future of biometrics will diversify staggered development, learn from each other, and the market prospects of biometrics, still worth attention.
A couple of days ago, I saw an article in several articles: On average, Internet users have 26 accounts and 6.5 passwords each and need to log in 8 times each day using a password. Unfortunately, I did not find the exact source of this data, but I can confirm that this is at least two or three years ago the data.
This data aroused my curiosity, so I opened the phone and looked at my app and account. I found out that there are 57 registered apps (not yet uninstalled) in my phone, many of them Has been a real-name authentication and bound to the bank, but my password a total of only seven.
Many people know that this simple password settings can easily lead to the disclosure of information. But more people may have had such an experience, if the password is too much and too complicated, the cost may be higher, both of which are not in line with the mainstream technology development.
So in recent years a number of new approaches have become popular, and a new and daring assumption is gradually being established: is it possible to turn people into passwords and identify individuals by fingerprinting, face-cleaning, iris detection, etc. , Which is what scientists call "biometrics."
According to the Prospective Industry Institute "China Biometrics Industry Market Outlook and Investment Strategy Analysis Report," the data show that in 2013 the size of the global biometrics market reached 9.8 billion US dollars, is expected to grow to 250 billion by 2020. Especially in the financial industry, biometrics has been deeply used in various fields such as opening an account, paying, withdrawing money and lending.
It is noteworthy that the application of biometrics in the financial industry is not limited to the fact that you are the one who confirms you through the uniqueness of the biometrics. More importantly, biometrics can solve even more the more important today's "KYC (knowyourcustomer)" Multi-information issues.
According to media reports, both the traditional banking sector such as China Merchants Bank, Shanghai Pudong Development Bank, or financial technology giants such as ant clothes, Tencent's Internet finance sector, as well as some technology companies have long been in the field of biometrics. Perhaps we can understand that even though the industry has not got the upper hand, the actions of these companies are enough to illustrate some of the trends.
Recently, I recently went to participate in the tiger sniffing "on the road" salon - financial-level biometric scene used in security risk control, this seemingly name is very hard to pronounce, the theme is very popular activity is about our life is closely related Things, harvest some interesting information to share with you here:
At present, the application of biometrics in the financial field is still in a kind of "supplementary means", and the relationship with the means of traditional identity verification belongs to cooperation instead of substitution.
Biometrics is a collection of concepts that includes countless means. Each has its advantages and disadvantages, and can play different roles under different circumstances, conditions and scenarios. However, in the final application, it may become a set of combination fights in order to achieve maximum effectiveness.
The application of biometrics in the financial industry may be in the form of technology. However, fundamentally, technology does not solve all the problems. Its application requires a comprehensive solution from scene to data collection and analysis.
The worst fingerprint identification prospects
In everyday life, the most widely used biometrics should be fingerprinting. This may be mainly due to Apple from the fifth generation of the iPhone home button on the fingerprint sensor. But in fact, the part of the human body that can be used as a "password" is much more than a fingerprint.
In China, face recognition seems to be particularly favored. In 2015, Alipay first achieved through "brush face" to achieve landing and change the password. In the same year, China Merchants Bank took the lead in enabling face recognition to help with bank operations such as bank accounts opening and risk assessment, and put VTM (face-to-face video teller machines) on the whole channel to apply face recognition technology. In addition, Micro Bank, Ping An Pratt & Whitney have also released the first brush "face brush" loans.
In foreign countries, different regions of the application of the situation is not the same. For example, in the Middle East, most women need headscarves because of religion and other reasons, so financial institutions prefer iris technology. Based on iris acquisition and warehousing, these registered users can enjoy "cardless and passwordless" financial services, withdrawals via ATM, and over-the-counter transactions.
Here, there is a very interesting question. If we exclude the influence of social factors such as religion, which of the many biometric methods is the best option and is better than the other methods?
Is the most widely used fingerprint recognition?
On the contrary, fingerprinting may be the least favored type of biometrics. This is the one hand, the limitations of the fingerprint itself, such as many workers in rural areas because of long-term labor, fingerprints may be polished, resulting in unrecognized. In the meantime, 7% to 8% of people are born without fingerprints and can not use it. Coupled with fingerprinting by many external factors, such as the impact of humid environment, and because too easy to copy, security is not enough, resulting in its application is difficult to go further.
In addition, there is a very important reason, Ant Financial, vice president of Lu Jie, stressed that fingerprint sensors in the past few years, the cost of a sharp decline in circumstances, the phone accessories is still the most expensive parts outside the camera, which In itself is a big obstacle. The fingerprints of this direct contact identification, the future is likely to be replaced quickly by non-contact cameras.
If fingerprinting is not so good, what about face recognition, iris recognition? And what about other voiceprint recognition, palmprint recognition, etc.? According to Dr. Lei Zhen from the Institute of Automation, Chinese Academy of Sciences, on the forum attended on Saturday, If only accuracy is taken into account, the effect of iris recognition may be the best, because the only one is the strongest. However, iris recognition requires a high degree of cooperation, such as the need to collect iris information storage, while in use, to carry a dedicated camera on the phone, which may lead to cost increases.
In contrast, face recognition can be achieved without cooperation
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