Face-swiping payment and fingerprints, iris, voice, etc. are all biometric identification items. Facial recognition technology is used to extract facial feature values for information comparison, combined with biometric technology and graphics processing technology, and artificial intelligence pattern recognition and computer vision are applied. The technology identifies the individual's identity, compares the existing facial information, and then identifies the consumer's identity information, confirms that it is the person and completes the payment.
The face-swiping payment device uses the current high-security 3D structured light camera technology, and uses millimeter-level depth of field information detection. When the user uses the light sensor for the first time, the user’s unique biometric identity information is collected through the light sensor. Connect with the account after real-name authentication to achieve the effect of safe payment. In other words, even if the criminals are holding our photos or videos, they cannot pass the authentication of Alipay's face-swiping payment.
To sum up, the advantages of face payment are convenience and security. From a convenient point of view, compared with scan code payment, face-scan payment no longer relies on hardware devices such as mobile phones. It also saves customers the trouble of remembering and entering passwords, and truly realizes the integration of people and wallets. After all, the mobile phone will still have troubles such as no electricity, poor signal, etc. unable to pay, but my face will never encounter similar problems. Face-swiping payment, smart medical care, smart campus, smart bank, catering, supermarket, hotel, non-sense parking lot, various scene solutions, software customization development, payment equipment wholesale, please Baidu "Zhangyou Electronic Wei" for details
From a security perspective, the QR code has the risk of being stolen, but the consumer who pays with the face is a living wallet or walking. The existing technology can fully recognize and verify in seconds, and can resist photos, The video is even a mask imitation attack. The advanced face recognition technology greatly reduces the risk of information and password theft, which is more secure than the QR code.
At present, Alipay Dragonfly has been used in large-scale business scenarios such as retail, catering, and medical care, with up to 60% of payments completed by swiping faces and fingerprints. Face-swiping payment is safer and more convenient than password payment. With the further lowering of the threshold, face-swiping payment may show explosive growth in the next three years.
Information security is a never-ending offensive and defensive battle. Therefore, in the fields of payment and finance that have zero tolerance for misidentification, even if the accuracy of a single identification element is high, there is still a risk of being compromised. There has never been a confidentiality method that can guarantee 100% security in only one way. In order to fully protect the security of users’ funds, payment platforms that use facial recognition methods require cross-verification with other biometric recognition technologies or dual-authentication with non-biological recognition methods. Users need to input after swiping their faces. The payment account is bound to the last four digits of the mobile phone number to complete the two-step verification to add a guarantee for the safety of the user account.