Regarding online real-name authentication, face recognition can effectively promote the implementation of online payment real-name policies. At present, some solutions have been able to compare on-site photos with various face images such as online verification databases, household registration databases, registered face databases, ID card chip photos, etc., and use face recognition technology to replace traditional manual comparison. Effective verification and verification of the integration of person and certificate.

After the Ministry of Industry and Information Technology issued the real-name system for telephone payments, the real-name system for online payments promulgated by the central bank was also launched. It is understood that the Central Bank will start to operate a new non-bank payment account system from July 1 to meet the increasingly diverse and personalized consumer payment needs of consumers. In order to comply with the regulations of the Central Bank's "Administrative Measures for Online Payment Services of Non-Bank Payment Institutions", online payment platforms including Alipay, WeChat Pay, and Baidu Wallet have carried out user real-name authentication. Order takeaway, send red envelopes, transfer money...

With the rapid development and wide application of science and technology, online payment has penetrated into all areas of society. Today's Internet has changed from an information transmission platform to a platform for social life, and online payment has gradually become the core of this platform. It is closely related to the true identity and security of everyone. However, most online platforms now only collect user identity information without authoritative authentication. They often only upload a hand-held ID card photo as an authentication method, and it is difficult to judge the authenticity of the ID card with the naked eye alone. As the first gate of online payment, identity authentication plays a pivotal role, and it can also be regarded as the most basic work for the implementation of the online real-name system.

Regarding online real-name authentication, face recognition can effectively promote the implementation of online payment real-name policies. At present, some solutions have been able to compare on-site photos with various face images such as online verification databases, household registration databases, registered face databases, ID card chip photos, etc., and use face recognition technology to replace traditional manual comparison. The effective verification and verification of "the integration of human and certificate" has so far solved the problem of customer identity authentication at both ends of the Internet for 1,000 financial, education, social security, military and other industries around the world.

"If the online payment real-name system adopts the traditional manual comparison method, firstly, the user operation is relatively cumbersome, and it may be necessary to submit ID card information and hand-held ID card photos, etc.; second, the payment platform is under pressure and requires manual verification of user identities. , And the manual evaluation criteria are not uniform, and misunderstandings may occur. Face recognition is different. The user only needs to submit the photos taken through the camera of the mobile phone, computer, etc., and the payment platform only needs to pay attention. Just compare the results, and the rest is the work' of face recognition." A technician from Tiancheng Shengye explained. According to their previous project experience, face recognition can complete the verification of the integration of human and certificate in less than one second, which can replace 80% of the screening work manually.

Face recognition has been maturely applied to the integration of human identification in multiple industries

Relying on rich project implementation experience and research on identity authentication issues, the person in charge of Tiancheng Shengye said that considering that the network real-name system is a brand-new Internet financial model, infrastructure construction must also consider technical reliability and security. With the continuous progress of society and the urgent need for fast and effective automatic identity verification in all aspects, face recognition technology has developed rapidly in recent decades. And a series of facial applications such as payment by swiping face, card opening by swiping face, login by swiping face, and face invigilation also showed us the convenience, safety, and uniqueness of face recognition. A large amount of data shows that the computer recognizes the face accurately. The rate is higher than that of the naked eye, and it is more efficient and convenient.

The most important thing is that facial recognition access control, with its unique convenience, can greatly save the hardware cost investment of payment institutions. For example, Panzhihua City Commercial Bank has realized the real-name authentication of Mango Bank with the convenience of face recognition technology some time ago. Since the mobile phone comes with a camera, the user only needs to take a picture of the mobile phone to complete the face recognition authentication without the need for additional hardware equipment, which greatly reduces the cost of the bank, and at the same time makes it more convenient for users to use.

Implementation of the real-name system for online payments will stimulate the biometrics industry to flourish

From Alipay and WeChat Pay to Apple Pay and Samsung Pay, the mobile payment industry is developing rapidly, and payment methods and payment scenarios are also diverse. Face recognition is relatively easier to promote with the advantage of "zero" hardware cost, but it is only by Face recognition technology is still not enough. Other biometric technologies, such as fingerprint recognition and iris recognition technology, will also usher in a new wave of development. Fingerprint recognition, as a standard configuration of smartphones, will also become the first choice of many payment institutions. Recognition technology will be very popular in large payments due to its extremely high accuracy. All in all, with the advancement of the real-name system of online payment, the market scale of biometric technology will push to a new commanding height.

Author: Written by Mr.Andy Zhang from S4A INDUSTRIAL CO.,LIMITED