Is face payment really safe?
Preface
In this era of rapid development, my country has made great achievements in mobile payment. It has been a long time since we have seen cash when going out for payment. The common ones are fingerprint payment and later face payment (swiping face payment). However, is the face really safe? While face payment is convenient, it also hides a crisis.
status quo
In today's society, face-swiping payment has been proposed for some time. At first, face recognition was mainly used for unlocking, such as unlocking the face of a mobile phone, and checking the face of the laboratory work. During this period, there were various problems in face recognition that led to unrecognition.
For example, Apple has just launched the face unlocking system for iPhoneX, and an unrecognizable rollover phenomenon occurred at the press conference. The reasons behind this may include environmental factors that have affected the system's face recognition process, or it may be in the design of the recognition algorithm. There are shortcomings in, causing people to be different from the previously saved appearance standards when they have expressions, so that the recognition system cannot make matching judgments.
Of course, if you want to connect face payment and capital payment, the trial and error is even more important, otherwise, the loss of money will directly affect the customer's loyalty and loss. With the improvement of technology, face recognition and mobile payment began to appear, and the embryonic form of face payment began to form.
However, the continuous update of the face recognition system represents the relative security of face payment compared to when it first started in the past, but at the same time, the technology of anti-face recognition is also constantly developing.
At present, various artificial intelligence companies at home and abroad have different levels of research on face changes, and they are also conducting simulation exploration of human faces. In the case of intervening in the identification system, if there is an electronic seamless face change, it will bring risks to our mobile payment security in the payment.
For example, I wrote a blog about AI face-swap: AI face-swap based on face++ is
relatively mature in technology and has ample research on artificial intelligence companies. If you want to use face technology for payment theft, the recognition system is not perfect. In fact, there are still opportunities to take advantage of. Although under the protection of the law, many skilled people do not have the courage, but when the forest grows, there are all kinds of birds, and the large population base cannot guarantee that anyone will not take advantage of this loophole.
Therefore, many payment systems will add other verification strategies to the current face payment to increase payment security. For example: Alipay face payment, in addition to matching the face, it also needs to verify the last four digits of the phone number.
Algorithm technology
First, AI-based face transplant of face ++
We understand that behind its own algorithm, will face feature information to convey to the computer through the machine language. Through machine learning (machine learning) let the computer know how to recognize the points corresponding to the face, and then show it on other people's faces to achieve the purpose of face change.
The algorithms used in the current face recognition technology mainly use machine learning to find the points corresponding to each position of the face, and then match them with the pre-stored face model.
The following is the technical schematic diagram of ordinary face recognition monitoring
Write at the end
Finally, I want to say that the improvement of an emerging technology cannot be accomplished overnight. It requires batch after batch of people to check and fill in the gaps. There may still be bugs on the premise that a lot of manpower and material resources are spent, but throughout the history of human progressive revolution, whether it is the industrial revolution or the rise of the Internet, this is a necessary development and progress process. Technology is a double-edged sword. Face payment Gu Ran is good, but as a consumer, we must pay more attention to the security of payment.
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