At the Cyber Security Expo, citizens felt the innovative application of face recognition technology. Photo by our reporter Xiao Yuyang (data picture)
In the recent "double 11", the proportion of consumers who paid by "fingerprinting" and "brushing their faces" reached 60.3%.
Passwords are retreating from the historical stage, and the era of biological payment in China has arrived — — This is the view of Hu Xi, deputy CTO of Ant Financial. He said that many new technologies, including "face brushing", such as distributed databases, intelligent risk control, blockchain, biometrics, etc., are all 100% open to the outside world and are increasingly becoming the infrastructure to promote the intelligent upgrading of industries such as finance, retail, travel, government affairs and medical care.
A few years ago, "brushing your face" was used as a joke. Today, more and more functions are being added to each of our faces: payment code, subway card, boarding pass, train ticket, even medical card and ID card. Is the era of "brushing your face" really coming?
Sichuan Daily reporter Lu Wei
1 "Brush your face"Where are available?
From online to offline, it covers supermarkets, hospitals and other scenes.
"Compared with other recognition methods, face recognition has the characteristics of uniqueness, non-compulsion, non-contact, concurrency, simple operation and high speed, which can greatly improve the user experience." As Nan Tian, a researcher at Ant Financial Business School, said, the application of biometric technology will greatly lower the threshold of mobile payment and allow a wider range of people, including silver-haired people, to enjoy the convenience brought by technology.
It takes an average of 3 seconds to enter a 6-digit password, and only 1 second for fingerprint payment. Following the fingerprint payment, Alipay took the lead in developing the brush face payment. Nan Tian revealed that China’s application of this technology is at the international leading level, and it is currently accelerating its sinking to various regional cities.
Recently, the branch store of Dikang Avenue in Hongqi Supermarket in Chengdu launched Alipay’s face-brushing payment. On November 18th, Sun Zhu, a citizen of Chengdu, experienced a brush face payment in this store. After selecting the goods, she scanned the code on the self-service cashier equipment to complete the pricing, and then according to the screen prompts, she completed the face recognition and the verification of entering the mobile phone number, and then paid to complete the transaction. "It doesn’t take more than 10 seconds from checkout to face payment. You don’t have to wait in line, and you don’t have to remember so many passwords."
The relevant person in charge of Hongqi Chain said that there are three major pain points in the retail industry at present: inefficient cashier, increasing store rent year by year and rising labor costs. After using self-service cashier and face-brushing payment, these problems have been effectively solved. "The cashier efficiency has increased by more than 50% compared with before, alleviating the congestion in the queue during peak hours; The utilization rate of cashier space has increased by more than 200%, and the space of the original two traditional cashier channels can now hold four self-service cash registers; Originally, a cashier was responsible for one checkout channel, and now he can be responsible for more than two self-service cash registers. "
In August, the first batch of word-of-mouth smart stores in the west landed in Chengdu. "Just pay by brushing your face, and then leave without queuing." Take Adale Smart Store located in Xinian Square, East Street, Chengdu as an example. Consumers only need to scan the code through word-of-mouth APP to complete face recognition. After entering the store to buy goods, they will put the tray on the checkout counter, and the system will automatically identify the goods selected by the consumers. After confirming the amount, they can automatically deduct the money by simply "brushing their faces".
"For baking shops, queuing is a bottleneck restricting the growth of turnover, and many consumers give up buying because of queuing for too long. Through the non-inductive payment technology, the cashier is reduced to one person to help customers pack, and the released clerk manpower can better provide consumers with experiential services such as shopping guide and tasting. " Jiang Hua, founder of Adale, explained.
After transformation, the settlement process of word-of-mouth smart restaurant was shortened from about 2 minutes to 45 seconds. Yan Hou, head of the word-of-mouth smart restaurant project, revealed: "Through word-of-mouth big data, we have further optimized the product structure of Adale smart stores, reducing from nearly 300 products to 140."
Nan Tian introduced that face recognition technology is also widely used in many offline scenes such as banks, pharmacies, hospitals, stations, restaurants, hotels, etc. Consumers in hundreds of cities across the country have experienced the convenience of "brushing their faces".
West China Second Hospital of Sichuan University recently introduced face recognition technology, which is used for online card processing, triage check-in, blood collection identity verification and access control of some offices.
2 "Brush your face"Is it safe?
Even if it is a cosmetic face, 3D technology can still accurately identify it.
Although "brushing face" is convenient, it is superimposed with financial functions such as payment, and many people still have concerns.
"The product form of Alipay face recognition technology is basically mature and has the ability to commercialize." Nan Tian said that Alipay’s face brush payment adopts 3D face recognition technology, and it will carry out in-vivo detection through the combination of software and hardware during recognition. Even after cosmetic surgery, it can find out the "original you" from hundreds of facial features, and the recognition accuracy rate is 99.99%.
Why not 100%? Nan Tian admits that in the field of network security, no technology can ensure 100% security. For example, two-dimensional code payment, especially static two-dimensional code, is easy to be implanted into Trojans, so the central bank stipulates the application of scanning code payment limit, and the static scanning code payment limit is 500 yuan per day. Two-dimensional code payment needs to enter a password or verify the fingerprint, the password is easy to be stolen and the fingerprint can be cracked. Fingerprint payment must be based on the device, but face-brushing payment has nothing to do with the device. After the function is turned on, it can be used at any cashier who accesses "face-brushing payment".
Wang Shenke, deputy general manager of the Financial Technology Department of China Construction Bank, said that 100,000 ATMs in CCB have been equipped with face recognition technology. "We will consult with telecom operators, public security organs and third parties to provide monitoring information, including face recognition and camera information. If it is not the financial loss caused by the customer’s operational mistakes, the bank has a compensation mechanism, and you dare to use me to pay. "
"Chengdu is building a western financial center, which will give full play to the role of financial technology, create a safe payment environment and further develop inclusive finance." Zhou Xiaoqiang, president of China People’s Bank Chengdu Branch, said that with the continuous rise of new technologies such as big data, cloud computing, blockchain and artificial intelligence, the service model and business philosophy of financial institutions are also undergoing profound changes. While new technologies promote financial innovation, financial institutions are also facing the risks of various new security threats inside and outside. Chengdu Branch of the People’s Bank of China has established a joint meeting system for information security between banking institutions and payment institutions, and established a provincial-level inter-departmental information security emergency response coordination mechanism with the provincial public security department and other departments, taking the lead in establishing an inter-regional emergency coordination mechanism in five southwestern provinces and cities, and improving the countermeasures for network security and payment risk prevention.
3 "Brush your face"How big is the market?
The application of domestic banks is very active, and inclusive finance and New Retail use it as a sharp weapon.
Major banks are taking the initiative to join the new wave of payment iteration: CCB announced that it can withdraw money and pay without a bank card or a mobile phone; Agricultural Bank of China is carrying out face-brushing withdrawals all over the country.
Not long ago, Sichuan private bank Xinwang Bank participated in the Beijing Jinbo Fair for the first time, and placed a big ipad at the entrance of the booth. The staff introduced that this was specially used to let the public experience the efficiency of facial (face) recognition. "Please blink … … Please move your mouth … … The face recognition system of the new network bank automatically issued instructions. All the business of Xinwang Bank is operated on mobile phones. Zhou Qiang, a Beijing citizen, experienced the business application process: "brushing his face" and paying attention to the service number of "New Network Bank", registered and filled in some basic information, and completed the whole application process of "Good People Loan" in less than 3 minutes, and soon got the credit approval result.
Such efficient and fast credit approval is based on the intelligent risk control system of Xinwang Bank based on the Internet, big data, biometrics and machine learning. According to the staff, Xinwang Bank has the ability to identify and judge risks from scratch in the face of every strange user. Take the decision engine system as an example, it takes only 7 seconds at the earliest and an average of 50 seconds to make credit approval. For those "white credit households" who have never received a bank loan and have zero credit records, Xinwang Bank can also conduct online approval in real time, and the review can be completed in a few seconds. By the end of October 2018, the bank had served more than 18 million users, with a cumulative loan amount of more than 120 billion yuan, a per capita loan amount of 3,300 yuan, and an average loan period of 75 days.
In addition to inclusive finance, new retail also benefits from new technologies such as "face brushing". Qiu Ji, director of retail industry in Alipay West District, believes that the core of new retail is that enterprises use the Internet and big data, take physical stores, e-commerce and mobile Internet as the core, and realize the integration of goods, members, transactions, marketing and other data by integrating online and offline to provide customers with a cross-channel and seamless experience.
At present, "face recognition" technology can accurately analyze the characteristics of the people entering the store, including passenger flow, gender, age, expression, preference, etc., so as to make the user’s portrait clearer, thus optimizing the product configuration and improving the conversion rate. Even if the store encounters the theft of goods, through the analysis of the obtained data, it can also pull bad customers into the "blacklist" or reduce their credit level.
In addition, the user preference data obtained by face recognition can also be fed back to the online, and the obtained data can be fed back to the manufacturers through the online, which helps the manufacturers to understand the needs of consumers more comprehensively, and then accurately develop products and design marketing strategies. These are all shortcuts to achieve new retail "opening up online and offline".
Li Tao, director of the Institute of Computer Network and Security of Sichuan University, believes that big data is an information mine more important than oil and gold. At present, a large number of data are concentrated, and resources are also concentrated. The advantage of concentration is that it is easy to manage, but the disadvantage is that the situation is more severe from the security point of view. Once it is broken, the problems will be more serious. "The country attaches great importance to financial security. People who often go abroad know that our country is in an absolute leading position in the world on the Internet, especially mobile payment. However, while cheering the convenience of mobile payment, we must also think about how to ensure our security in the field of mobile payment and maintain our leading edge in the world. This is a topic worthy of discussion. "
The future has come. Nan Tian said that as a technician, the mission of him and his colleagues is to constantly use technology to break through various boundaries and open people’s imagination of the future.