How can the biometrIC technology of PCB be applied in finance

PCB manufacturers, PCB designers and PCBA manufacturers explain how the biometric technology of PCB can be applied in finance

At present, the biotechnology represented by face recognition has already become the darling of the financial industry. However, with the development of the times, the scenario application of the financial MARKet has become more diversified and complex, and SIMple financial outlets can no longer meet customer needs. Only by providing financial services anytime, anywhere and on demand can we remain invincible.

Recently, in the large-scale science and technology variety show "SMArt Future", the face brushing artifact developed by Alipay made its debut and successfully identified the target task among 500 masked viewers. According to the editor of HDI circuit board, this artifact, based on face recognition and combined with multimodal recognition, can distinguish cases that are difficult to be distinguished by common biometric technologies such as identical twins, and more effectively avoid identity impersonation caused by face forgery.

In fact, biotechnology represented by face recognition has already become the darling of the financial industry. Multimodal biometric technology (that is, the combination of more than one biometric technology) can help reduce the losses caused by financial fraud and ensure the security of user information or data, which is superior to single biometric technology. Today, the PCB editor will introduce the current application of mainstream biometric technology in the financial industry.

Face recognition: widely used and controversial

With the development of the times, the scenario application of the financial market has become more diversified and complex. Simple financial outlets can no longer meet customer needs. Only by providing financial services anytime, anywhere and on demand can we remain invincible. In order to reduce costs and increase efficiency, emerging Internet financial institutions and traditional financial institutions have deployed face recognition technology to ensure accurate and fast user identity authentication under a variety of financial service channels, and improve the security and timeliness of business handling.

At present, face recognition technology has been applied to account registration, remote account opening, face brushing payment, loans and other businesses, and most of these businesses require real name authentication. The Circuit board factory found that in terms of real name authentication, the accuracy of traditional authentication methods such as manual visual judgment, SMS verification, binding bank cards is not high, the customer experience is poor, and the cost is high. The application of face recognition technology is undoubtedly a timely rain.

The application of new technologies such as mobile Internet and face recognition has naturally integrated financial services into the economic ecosystem and life circle of users. However, it should be noted that at both ends of the virtual world, it is still difficult to effectively solve the anti-counterfeiting problems such as photos and videos. CCTV has exposed security loopholes in face recognition, rEMInding users to pay attention to prevention, The State Administration of Market Supervision also pointed out that the intelligent door lock equipped with face recognition has high security risks.

There are three important parameters in face recognition algorithm, namely, the rejection rate, the false recognition rate and the recognition rate. Enterprises related to face recognition technology constantly update the algorithm iteratively, aiming to ensure that the false positive rate, false positive rate or higher safety factor are maintained when the recognition rate is faster. It is believed that face recognition will play a greater role in the financial industry with the increasingly mature technology to improve the safety and accuracy of face recognition.

Fingerprint identification: mature technology, golden age has passed

At present, face recognition is popular, while fingerprint recognition is a little gloomy. As early as the 1990s, fingerprint identification technology entered the financial industry on a large scale. After years of accumulation, it has become very mature. By logging into the operating system equipped with fingerprint identification technology, you can more accurately confirm the identity of the operator, avoid unauthorized authorization, reduce the risk of intrusion, and even if an accident occurs, you can also trace the responsibility.

At present, financial institutions basically conduct the verification of the combination of person and ID card based on the online verification of face. Based on the new generation ID card with fingerprint information, they can compare the fingerprint information collected by users on the spot with the fingerprint information stored in the ID card to ensure the identity of the witness. It can also be used for remote identity verification of users, identity authentication when opening an account, etc. In addition to the banking operating system, mobile terminals such as mobile phones are also generally equipped with fingerprint modules, so users can conduct business through mobile online banking.

The weakness of fingerprint identification technology is that when using fingerprint, it will leave an impression on the collection device, which is easy to be copied; Some special groups have few fingerprint features and are difficult to image; There are requirements for the humidity and cleanliness of fingers, and fingerprint wear can not be identified.

Iris recognition and finger vein recognition: quite potential, but the outbreak still needs time

Iris recognition and finger vein recognition, as rising stars, have high recognition accuracy, scalability and security, but they are not widely used in the financial field due to their high cost and inconvenience. At present, iris recognition is mainly used in scenes with high security requirements, such as access control management and escort management. The finger vein recognition technology has also been used in some bank self-service devices.

In recent years, iris recognition and fingerprint recognition related technologies have been continuously developed and popularized, and user acceptance has also improved. Many mobile phone manufacturers are also committed to adding iris recognition technology to mobile devices to provide more secure encryption protection. Therefore, the potential of these two technologies cannot be underestimated.

Conclusion: In recent years, the deep integration of finance and technology has been accelerating. In different application scenarios, the required biometric technology is also different. The small editor of PCB believes that a single biometric can hardly meet the diversified needs in the future, and multimodal biometrics may become the future trend of financial technology. PCB manufacturers, PCB designers and PCBA manufacturers will explain how the biometric technology of PCB can be applied in finance