The application of face recognition technology in the financial field is now slowly hot.For example, China Merchants Bank has applied the "brush face" official account to ATM withdrawals. Not long ago, the CMB also played a public interaction with the "face value" of the real face.In the final analysis, China Merchants Bank collects as many photos as possible through the action of uploading self photos, and updates and improves the picture library connected with face recognition technology.

China Merchants Bank, Weizhong bank, Bank of Jiangsu, Zheshang Bank, Ping An Bank and Bank of Xi'an have officially applied face recognition technology in business links;An internal team has been established to study this business, including Huaxia Bank, Shanghai Pudong Development Bank, Bank of Nanjing, etc.

China Merchants Bank has more than 8000 ATMs, of which 10 are different from others.Strictly speaking, it is different from the ATMs of all banks in China - they support face swiping withdrawal.Most of these 10 special ATMs are in the head office of China Merchants Bank, and another one will appear in 2015 China International Finance exhibition held in Shanghai.

The face brushing withdrawal function carried by them is the latest application of face recognition in domestic banking industry.These four words are not difficult to understand, that is, the system automatically captures the on-site photos of the teller, then compares them with the bank's trusted photo source library, and after the verification is passed, make the teller enter the mobile phone number and check himself again to support withdrawal, with a single day limit of 3000.

Has China Merchants Bank considered risk controllability when applying face recognition to withdrawal?They obviously have consideration - because ATM is usually surrounded by outlets and has a certain security force;Moreover, there will be cameras in the building to ensure that the teller is within a monitored range.Secondly, it sets the withdrawal limit very low and will not cause large-scale property losses. "Executives of a national listed joint-stock bank headquartered in Beijing analyzed this.

In fact, many domestic banks actively study and promote biometric identification technologies such as face, fingerprint, iris and vein.Some people in the industry also put forward their own views on the application of these technologies in physical outlets.

"Whether it is for the consideration of 'smart bank' or 'light bank', the value of applying biotechnology to offline near-field scenarios rather than online remote interaction scenarios is undetermined. Because its precondition is to obtain outlets, but now users want to realize it online.

At present, Bank of Xi'an has launched the face recognition function at the counters and self-service devices of more than 10 business outlets of the bank, which is used to assist remote agents and tellers to complete customer identity verification. However, China Merchants Bank has gone faster. By August this year, it has realized this function in most business outlets. China Merchants Bank has repeatedly stressed:"The opening of the settlement account still needs to be signed in person. The purpose of realizing the face recognition function at the visual counter is to collect more effective film sources."

At present, Zheshang Bank, Bank of Jiangsu, Bank of Xi'an and Ping'an bank all register new users or activate accounts in their own direct selling banks (Zheshang Bank and Bank of Xi'an also use mobile banking accounts). While the first private bank in China with pure network basis, which has attracted much attention, applies face recognition to the link of secondary card binding.

An unnamed person from the online finance department of Ping An Bank disclosed:"At present, the accuracy of face recognition can almost reach about 99.6%, of course, there is still a false recognition rate. When these two indicators are better, in fact, using face recognition to replace the user name input and password input link of old customers for existing accounts and the camera link of handheld ID card when new users open accounts is a good way to improve the user experience."

Ping An Inclusive Finance has launched face brushing loans, while ant financial has completed face brushing payment in its internal test. From the rapid application of face recognition technology in the banking industry, it is not difficult to see that banks adhere to the self positioning of bank disintermediation, pure online and breaking physical restrictions, and the optimization of account opening by face recognition seems to greatly attract new passenger flow。

An insider of Bank of Nanjing told reporters that the bank has set up a special technical team. The application direction of face recognition should be opening accounts and signing financial contracts with direct selling banks. In addition, the reporter learned that Shanghai Pudong Development Bank and Huaxia Bank are all led by the e-banking department to actively study face recognition technology.

It is difficult to dance well with shackles. In addition to the most strictly regulated banks, other non bank institutions, especially Internet companies, have long used face recognition in more radical financial scenes.

Although it is now popular to brush face, it is necessary to brush face when boarding, to brush face by train, and even to buy things by Alipay. However, people's application of the function of unlocking the door by intelligent locks is not popular or is not easy, because one or two years ago, it was possible to fool the smart lock face recognition system by using photos.

The application technology of smart door lock in smart home is also changing with each passing day. High and new technologies such as fingerprint recognition, palmprint recognition, face recognition and voice control recognition are also constantly being optimized and upgraded. Everything is growing together. While pursuing the safety of door lock, the masses are also rising. They care more about the convenience, scientific innovation, fashion trend and intelligent control of door lockMultiple innovative elements.

The smart home in the future will certainly enter thousands of households. Yinke intelligent believes that the face recognition smart lock will be the same as the initial consumption era of washing machines, air conditioners and refrigerators. From the beginning, only a small number of people use it, it will become something that every family can't live without. Science and technology and intellectualization are promoting all changes in the economy and society. The smart door lock with sensorless face recognition will open the door, it will become the first choice for people in the future home decoration. We can't deny this trend. In the next 3-5 years, the public's consumer demand for smart door locks will rise to the popularization of the concept and consumption of senseless identification and unlocking.