Nowadays, for the public, biometric technology is no longer mysterious. You can already experience the innovative experience brought by fingerprint recognition and face recognition technology everywhere. With the increase in public awareness and acceptance of biometric technology, many Financial Institutions have also used biometric technology to carry out financial reforms to attract and retain more customers. It is understood that Shenzhen Rural Commercial Bank recently launched the Tiancheng Shengye multi-modal biometric unified identity authentication platform. Through this platform, Shenzhen Rural Commercial Bank introduced facial recognition and fingerprint recognition technologies in counters and mobile operations. “Technology upgrade” promotes “service upgrade” and “management upgrade”.

　　 Facial recognition assists manual verification, saving customers 40% of queuing time

　　 It is understood that in order to reduce the pressure on the counter and reduce the waiting time for customers, Shenzhen Rural Commercial Bank took the lead in introducing face recognition technology in the counter business.

By introducing face recognition technology, counter staff only need to swipe the customer’s ID card, and the online face recognition verification system at the counter will automatically compare the photos taken by the customer on-site with the ID card photos in the database of the Ministry of Public Security, and The comparison result is fed back to the counter staff. The staff only needs to manually review the customers who fail the face recognition comparison, and there is no need to review the identities of the customers one by one, which greatly improves the work efficiency of the staff. According to Tiancheng Shengye, face recognition technology can replace 80% of the manual completion of customer identity verification, and the entire face recognition process is less than 1s. Such efficient work is expected to save customers 40% of the queue time.

Facial recognition helps customers experience financial services anytime, anywhere

　　 In addition to the counter business, Shenzhen Rural Commercial Bank also introduced facial recognition technology to mobile operations, allowing customers to enjoy financial services without leaving home.

It is understood that when a new card is subsequently issued, the customer no longer needs to visit the counter in person, and the account manager can come to serve the customer with a tablet, ID card reader, etc. In this innovative business link, face recognition technology mainly achieves two aspects Functions: internal risk prevention and control and external customer identity confirmation. On the one hand, when the account manager logs into the corresponding business system through the tablet, he needs to take photos on the spot. The tablet will automatically compare the photos of the account manager taken on-site with the registered photos in the database. After the comparison is passed, the account manager can handle the card opening business for the customer; On the other hand, the account manager swipes the customer’s ID card and takes pictures of the customer through the tablet. The tablet uses the face recognition network verification system to compare the customer’s on-site photos with the ID card photos of the Ministry of Public Security database to scientifically and objectively confirm the customer's identity.

　　 The combination of face recognition technology and mobile operation business has brought more possibilities for bank innovative services, changed the traditional working mode of customer managers, changed from business to business, and greatly improved customer experience.

　　 Face recognition and fingerprint recognition improve the bank’s risk control system and help "management upgrade"

　　 It is understood that in addition to the introduction of face recognition technology, Shenzhen Rural Commercial Bank has also introduced fingerprint recognition technology to counter and self-service terminal businesses to improve risk prevention and control capabilities.

　　 Shenzhen Rural Commercial Bank tellers used to log in to the teller core system in the form of IC card passwords. This login method can only confirm that the "key" is correct, but cannot confirm the identity of the "key" holder. After the introduction of fingerprint recognition technology, tellers must authenticate themselves, so that each transaction can be clearly accountable, and prevent password embezzlement and subsequent prevarication.

　　 Compared to counter fingerprint applications, integrating fingerprint modules on self-service terminals is not only beneficial to internal staff management but also beneficial to business management and customer management. Only need to let the corresponding account manager authorize by fingerprint, the customer can handle the corresponding business after the face recognition authentication is passed, which not only increases the banking business processing channel but also plays a role of diversion, greatly reducing the counter pressure.

Author: Written by S4A-Access from S4A INDUSTRIAL CO.,LIMITED