According to IT Home, the official of Alipay confirmed to IT Home that the "facial payment" feature will be launched soon after the revelation of its face payment terminal. In this regard, netizens have said: in the future can really rely on the face to eat!
As can be seen from the exposed video, Alipay users only need to swipe their faces at the terminal if they choose to pay by face. The process only takes about one second. At the same time, for large-scale commercial use, users also need to enter the last four digits of the corresponding mobile phone number, and the payment can be successful after verification.
However, some netizens have raised questions. While it may seem convenient to pay by using your face, what if someone intentionally uses someone else's photo or video to pay? Has the risk increased?
In response, Alipay said that in the laboratory this problem has been proposed and solved. When the payer brushes his face, he will first pass the vivisection detection algorithm to detect (judge that the collected face is the living information rather than the photo, video or other software simulation generated), and then recognize the identity through the face recognition algorithm. So there will be no situation where you can use someone else's photos or videos.
In addition, in order to ensure the security of users' accounts, Alipay said that it is up to users to choose whether to enable face payment or not, and they can turn it off at any time.
Indeed, for Internet financial enterprises, product innovation is necessary, but at the bottom of all innovation there is a basic rule, that is, security. Preventing potential risks is an important part of all innovations.
For Internet payment enterprises, it is an important goal to prevent others from using loopholes to steal or commit fraud, while for P2P enterprises, it is to reduce the late rate through a variety of risk control.
To this end, Cloud Money Bag has explored a "manual audit + big data risk control" personalized risk control road. The so-called manual audit is to investigate the relevant information of the borrower on the spot, including the home address, real estate and car property information, family members, sources of living, etc. All important loan qualifications are verified, and then multiple cross-verification is carried out to ensure the authenticity and timely update of the survey information.
The advantage of manual audit is that it can have a more three-dimensional cognition of the borrower in the specific communication process, especially for the borrower's purpose of borrowing, repayment willingness and ability. However, manual audit also has certain limitations, such as low efficiency and inaccurate data. Therefore, YunQianbagao specially adds big data risk control, uses unique risk control model and bottom fintech, analyzes the information of borrowers one by one, adopts hierarchical management mode, subdivided borrowers more accurately, and adopts different targeted coping strategies.
Good risk control is only the first step of Cloud Moneybag. With the in-depth development of Internet finance, Cloud Moneybag also applies fintech to practical scenarios. Cloud computing, artificial intelligence, machine learning, blockchain and other new fintech technologies are expected to be realized in the near future.
In fact, Internet financial enterprises have been innovating on the premise of ensuring security. Security is the foundation of Internet finance enterprises, and innovation is the source of strength for their development. With the development of The Times, it is an important topic for Internet financial enterprises to make new attempts in product, technology and connection mode.
