Comprehensive application of biometric technology China Merchants Bank

In recent years, bank customers' behavior has shifted to online. Smart terminals have become almost a part of modern human body. Customer's life, consumption, access to information and financial services are highly dependent on smart phones and other electronic terminals. At the same time, the rise of financial technology companies provides customers with a full range of alternative channels or financial services. Instead of using specific banks' specific channels or products, customers choose their own needs and service experience independently.

Changes in customer behavior, the banking services and customer value creation model put forward new requirements. How to meet customers' demand for mobile financial services while taking into account the natural and smooth interaction experience so as to gain customer's approval is a problem that the banking industry urgently needs to solve. As the forerunner of financial technology innovation in the industry, China Merchants Bank applies the current mainstream biometrics technology collection to APP5.0 of China Merchants Bank. It is committed to providing convenient and safe mobile financial services to its customers and once again leading the industry.

Smart Wind Control: Intelligent verification of identity to expand banking services boundaries

The three elements of financial transactions are nuclear, authorization, and liquidation of funds. In the past, due to the limitations of nuclear technology, users also had to rely on physical tools to verify identity, such as bank cards, USB Key and so on. For example, passwords, verification codes and other traditional online nuclear means are simpler and have potential safety problems, forcing the banking industry to limit the scope for the handling of mobile financial services. Only the offline banking outlets can provide customers with complete banking services.

Different from traditional encryption and unlocking methods, biometrics technology has the advantages of portable carrying, good anti-counterfeiting performance, strong privacy and uniqueness. Its excellent performance in security provides a more reliable remote core for the bank The means to help the banking sector to a broader self-service and mobile financial services. For example, the application of Face Recognition Technology in China Merchants Bank APP5.0 enables some businesses that can only handle offline online outlets, such as large amount of funds transfer, to be completed on the mobile phone.

Of course, face recognition technology is only a part of APP5.0 remote intelligent risk control strategy of China Merchants Bank. China Merchants Bank APP5.0 also introduced real-time analysis technology based on big data. Based on deployment rules and risk identification models of customer equipment, location, relationship, behavior, preferences, etc., it realized the full scene of customers from login, inquiry, payment to transfer Risk-based coverage of processes, customer transaction risk determination at millisecond speed, real-time distribution of risk strategy control risk transactions, invoke traditional password, verification code, fingerprint login, face recognition and other combinations of nuclear means to provide customers with multiple accounts information and Funds safety protection.

Natural Interaction: User Perspective Reconstruction of Banking Services

Natural interaction, that customers can use fingerprints, sounds, face and other natural language to interact directly with the machine. In the past due to technical constraints, people were forced to take the initiative to adapt to the machine, customers must rely on bank tools such as nuclear tools to verify identity, enter the machine to read the machine language, such as passwords or text to enjoy banking services, the banking industry can only card Perspective provides users with fragmented financial services, poor user experience.

China Merchants Bank took the lead in transitioning from a card perspective to a user perspective and turned product orientation into a customer-oriented approach. The application of biometric identification technology such as fingerprint registration, face recognition and voice search integrated in APP5.0 of China Merchants Bank enabled the mobile banking company to read customer's fingerprints , Voice, face and other natural language, saving customers the cost of human-computer interaction, providing customers with a natural and smooth service experience.

For example, the user no longer need to specially remember the password or enter the text, quickly log in with the fingerprint account, talk to search for the desired content, and for some business, such as large transfer without going to the counter, direct face recognition can be, Very simple and convenient. In addition, the APP's search function, also applied the semantic analysis technology, can intelligently identify the natural language of life, and accurately find relevant functions for the user. For example, if the user enters "hit money", the APP can intelligently recommend the "transfer remittance" function to the user.

Not all of them are poets called Li Bai, and millions of biometrics are identified. China Merchants Bank, which took the lead in comprehensively applying biometrics, believes that the development and application of biometrics should provide customers with an excellent mobile financial service experience from the user's point of view while ensuring consumer account information and financial security.

The comprehensive application of biometrics and intelligent risk control strategy in China Merchants Bank APP5.0 enables China Merchants Bank to realize remote identity authentication with more accurate security solutions and take the lead in entering the era of intelligent nuclear generation in the banking industry. In the future, banking services will no longer be limited to physical outlets. Instead, they will deeply penetrate into customers' various life scenes. Banking services will be ubiquitous whenever and wherever they can meet customer needs immediately.

As a forerunner in the industry of intelligent technology, China Merchants Bank applies the current mainstream biometrics technology collection to the CMB APP5.0 version and enters the banking industry's smart nuclear age.

From the perspective of consumer accounts security, strict control of technology, and according to local conditions supporting different risk protection system.

Biometrics enables remote authentication with a more accurate security solution.

Into the banking industry's nuclear era of intelligence. Not only effectively protect the user's funds, but also enhance the user experience.

In the era of Bank 2.0, the introduction and popularization of online banking helped customers to use bank services at any time, realizing an unprecedented sense of control and multiple choices, thus realizing the rapid growth of bank electronic channels. After the popularity of smartphones in the world has become an integral part of people's lives, the demand for mobile banking has been fully rolled out so that customers can truly operate their banking business beyond cash anytime, anywhere. And once customers can be free from the hurdle of time and space, to facilitate the completion of the banking business, the network's position and role have been irreversibly declining. This makes the banking system, which has been operating smoothly for hundreds of years based on the physical network system, facing a great impact. The transformation of the physical network is imminent.

The reason why this happens is that the vast majority of banks still think that the banking business itself is still the bank's patent. The future shape of banking business can only be determined by the bank itself, but not by any other external forces. However, in fact, the driving force behind the Bank 3.0 transformation comes from the global economic structural transformation, the development of Internet technology, the popularization of financial knowledge of enterprises and individuals, the cross-border of Internet enterprises, the rise of Internet finance and the change of the age of social consumers, etc. Not dominant, is the bank's own ideas and intentions. These shocks will lead to the result that the importance of institutions as banks is constantly underwhelmed and impaired, while the banking services themselves extend to Google, Paypal, Alipay, telecom operators, handset makers, retail chains, etc. Industry up. This is because the behavior of customers using bank services has undergone tremendous changes. Instead of using specific banks' specific channels or products alone, they interact with banks in a variety of ways. However, the business processes, organizational structure and information of banks The system can not keep up with changes in customer behavior, resulting in the bank is particularly slow to deal with. And from the customer's perspective, since banks can not give the services and experiences they want, they are bound to look for alternative channels or services - which gives a lot of

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