China Minsheng Bank (hereinafter referred to as "Minsheng Bank") is not only the first national joint-stock commercial bank in China that was established mainly by private-owned enterprises, but also a modern financial institution. Over the years, it always assumed that the vast number of users to provide quality financial services experience as its mission, determined to innovate. Faced with the development of information technology and profound changes in the financial environment, Minsheng Bank has grasped the market dynamics and user needs, and using modern science and technology to enhance financial services. Especially in recent years, with the rapid development of internet finance, Minsheng Bank has boldly tried out new technologies to become the first commercial bank in China to test the application of aquatic biometric identification in terms of safety and convenience.
From fingerprinting and iris payment to the successful development of a unified biometric authentication platform, Minsheng Bank always adheres to the concept of "bold attempt and full justification" for new technologies, and provides users with a sound financial system through in-depth understanding and application of cutting-edge technologies Experience.
"Living for the people and living together with the people", improving the service experience has always been Minsheng Bank's constant mission. To this end, the magazine interviewed director of the Ministry of Information Technology Minsheng Bank Security Operations Director Yu Gang, Minsheng Bank for readers to interpret the application of biometric technology and its services in upgrading.
Explore new technologies, the most important biometric identification
"Minsheng Bank places a great emphasis on customer experience while ensuring the safety of its customers."
With China's economic development entering a new normal and the era of "Internet +", domestic commercial banks have carried out technological innovation in response to the challenges brought by the profound changes in the economic and financial environment. As a leader of domestic commercial banks, Minsheng Bank seizes the opportunities brought by the country's strategy of "Internet +". Taking advantage of market trends and Internet users' needs, Minsheng Bank makes use of modern information technology cutting-edge technologies to vigorously innovate direct-sale banks, mobile banking, online payment , Mobile payment, online banking and other online financial products and services. By making full use of technologies such as biometric identification and big data analysis, it has created a safe and convenient financial service so that the customer experience will continue to improve.
As the business continues to expand, more and more important production systems involve the handling of key information such as customer information, account transactions and parameter settings. To this end, Minsheng Bank takes various safety measures to create a superior customer experience while actively exploring new technologies and new ways of ensuring customer information and account security. The use of biometrics is one of them.
Because the biological features are unique, measurable, lifelong, and automatically identifiable, they are more convenient and secure as a new certification factor. Therefore, in recent years, biometric technology has drawn the attention of the scientific community and the financial community as a new authentication method.
In the application of this cutting-edge technology of biometrics, Minsheng Bank dared to be the first person in the industry to pay the fingerprint of mobile banking and became the first commercial bank in China to test the application of biometric identification. Minsheng Bank fingerprint payment with online opening, easy payment, high security, for personal mobile banking and micro-banking mobile banking customers to create a safe and convenient payment methods, its superior payment experience to win the trust of customers.
With fingerprint payment being popularized and popularized at mobile banking, Minsheng Bank once again broke through innovation and took the lead in launching a mobile bank that supports iris payment in the industry in September 2016.
Yu Gang said Minsheng Bank pays close attention to the customer experience while ensuring customer safety and opts for iris payment in mobile banking because iris-based authentication is considered the most accurate biometrics. There are three reasons for this: First, the iris texture information is much higher than other biometric information, for example, fingerprint error rate is about one hundred thousandth, and iris recognition error rate can reach one millionth; Second, the fingerprint May be worn or may be affected by surface residue and facial features may also change shape due to injury. However, the formation of the iris is determined by the gene and the expression of the gene determines its shape, physiology, color and overall appearance. Therefore, The iris recognition has relatively fewer interfering factors; third, the iris has as many as 266 measurable characteristics, far exceeding other biological characteristics. In addition, iris recognition can achieve a response speed of 0.1 s, which is as good as fingerprint recognition, providing more accurate identification and in-vivo detection than non-contact face recognition.
It is based on the advantages of the technology as well as the pursuit of safe and reliable authentication methods, only Minsheng Bank iris payment available. According to reports, after a period of development, Minsheng Bank Mobile Banking has supported all the world's mobile phones with iris recognition capabilities, including the forthcoming Samsung S8.
Inspect needs and build biometric authentication platform
"Biometrics, as an adhesive, can be integrated with technologies such as artificial intelligence and big data analytics to provide more comprehensive, intelligent services as a means of authentication and identification."
For example, some traditional counter business is being replaced by "micro-window" "mobile operation", VTM real-name account opening, direct bank real-name business handling, real- Business outlets such as intelligent customer identification. At the same time, with the continuous development of information technology and the increasing computing power of mobile terminals, mobile terminals have gradually supported biometric technologies.
Yu Gang said that as an adhesive, biometric technology can be integrated into technologies such as artificial intelligence and big data analysis to provide more comprehensive intelligent services as a means of identity authentication and identification. For example, fingerprint, iris and other biometric authentication are introduced in the login and payment scenarios of mobile banking, which can save the process of waiting for an SMS and entering a verification code in the SMS verification mode, reduce the operation flow of the client and save the transaction time, Pay for the convenience and security of the transaction, save the bank's SMS fee, and effectively prevent the risk of the mobile phone being intercepted by the hacker such as the Trojan horse and the pseudo base station.
In this context, Minsheng Bank has independently developed a set of unified biometric authentication platform based on its years of experience in biometric application. Through the establishment of a unified database of customer biologies and the use of multi-modal and multi-biometric fusion recognition technology , Make full use of the advantages of biometric technology, avoid the limitation of single biometric technology, realize the unified management of different biometric features and provide unified services for other applications. The establishment of a unified biometric authentication platform has further enhanced Minsheng Bank's risk prevention and control capabilities and customer service levels.
According to Yu Gang introduction, a unified biometric authentication platform has a unique advanced and innovative. Its advanced nature is that it can provide different modes of biometric authentication for each channel and provide a unified authentication strategy. And its innovation is reflected in the acceptance of the new certification model, such as the use of the FIDO standard, breaking the client and server-based single-stage certification tradition. At the same time, unified biological characteristics
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