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Imagine this: you came into the store, but forgot the wallet at home. Went in vain? Not at all: can pay, putting a finger on the reader. Or looking at the camera. Comfortable? Quickly? Safe (wallet is at home)?
the Person without transfer to third parties
a year ago, few people believed in the popular technologies of Apple Pay and Android Pay. The Internet walked stories about how the sellers called the police when customers prikladyvaya phones for card acceptance terminals. Today, the ability to pay with phone is available in most retail chains, a network of gas stations, pharmacies and other mass points of sale.
the first savings Bank in Russia, announced the launch of face recognition technology when logging into the Internet Bank for corporate customers on Windows 10. Last week colleagues from the retail unit announced support for the technology Face ID (facial recognition on the iPhone). Still not over Nov you hear that mobile "Sberbank Business Online" on the iPhone also support this technology.
This innovation is like no other, raises questions including our immediate customers — employees of companies and individual entrepreneurs. Why would the banks want access to the biometric data of the clients? Who benefits from this volume of big data? Do not hit you the collection, storage and processing of biometric data on the wallets of end-users? And the like quite reasonable questions. I will try to answer the most common ones.
But first, let's define the basic concepts.
Support for operating systems that use biometrics, is not biometrics in its purest form. If you enter the "Sberbank Business Online" on Windows 10 in the face and PIN, all data is processed on your own device. From a technical point of view, the Bank is on your side receives from your gadget the same login and password as before the implementation of recognition on the face. By the same token, most of the online banks that support biometrics from Microsoft, Apple and Android.
this has its pros and cons. From the pros: your biometric data is always stored only for you and not shared with third parties. Of the minuses: when you change (loss, loss) of the tablet/computer, your data will just disappear. And they will not help you to get a loan or to confirm operation without a call to the Bank.
Your vote counts
Biometric technology in banks — it is data that is written once and are deposited in the Bank. They allow you to identify as needed for a variety of purposes and for several years used by Russian banks.
for Example, three years ago Tinkoff Bank implemented in the contact center technology recognition of customers ' voices. This allowed colleagues to reduce the service time to an average of 40-60 seconds per call. And banks is primarily money. It is obvious that this measure will benefit both the Bank and the customer: contact center better and faster answers your calls and clients can faster and easier to call and resolve the issue.
a Pioneer among Russian banks in the technology of face recognition has become Mail Bank: in 2016, he introduced this system on an industrial scale, pre-pilot spending on their own employees. The effects of this decision can hardly be overestimated: the Bank officially announced that only during the first nine months of operation of the system it has created to prevent the conduct of potentially fraudulent transactions in the amount of 1.5 billion rubles and to identify more than 9 thousand fraudulent loan applications.
the Recognition of faces and voices has become one of the most fashionable trends in banking. And this is understandable: despite the fact that profit is illusory, efficiency and convenience of these decisions is clear. So, the VTB group has announced the introduction of face recognition in December this year and plans thanks to technology you can earn up to 1.8 billion roubles within five years.
in Addition to preventing fraud and improving ease of use, biometrics is a decisive step towards omnichannel banking. In practice, this could look like this: once writing "reference data", the client can forget about passwords, cards, tokens and keys. In any channels, he immediately identificireba Bank, and the Bank "leads" his so-called customer journey.
While the biometric portfolio can bind all credit history, purchases, payment history... This is a portrait of the client that gives you enough data to Internet Bank can pre-empt any needs and the needs of its user: to offer and pre-approve a loan for the required amount. But it still is a "horizon". While the use of biometrics is the first step towards improving customer experience and reinforcing security.
And now for the main issues that arise from customers.
Why do we need biometric data, and the purpose of their use in Internet banking?
the First and foremost is safety. This is a great opportunity to protect the safety of funds. For example, if you are the owner of the company, your CFO or accountant can not login under your username and password and sign something without your knowledge and direct involvement.
the Use of biometrics allows to abandon physical keys (magnetic code or chip on a plastic card, a token, a physical signature on the document, etc.) for the operation. Physically the reliability of biometric data is much higher than that of the electronic key — token. Tokens tend to fail at the most inopportune time, in contrast to the retina, the unique contours of the face, or fingerprint. The token protects are generally better than biometrics, as this token does not fall into the "wrong" hands.
the Biometric data are not yet considered as the only and comprehensive alternative to the usual logins and passwords of the user. They are used as a backup for the possibility to authorise or confirm the operation. Roughly speaking, if your biometrics for some reason didn't work, always have a backup option (enter the password or call the contact centre). While biometrics does not reduce the security level of the application and increases its.
the Second advantage of biometrics. To educate the client to confirm the action or to log in the system "eye", "thumb" or "face", you need less time than to convey to him the need to reflash the token to go to the Bank to confirm electronic signature, or perform multi-pass operations in the system "Bank — client".
the Third argument in favor of biometrics, the legal significance of your data. The bill, which is currently before the Council, establishes the legal framework for remote client identification by biometric data.
However, that is only the projects. Until a law is passed, to talk about his positions prematurely.
How to securely transfer biometric data banks?
In the case of "not quite biometrics" (e.g., face detection in the "Sberbank Business Online" on Windows 10) you don't have to transfer to the Bank. In the technological scheme of Windows Hello all biometrics are stored locally on your device in encrypted form and will not be shared with anyone. The same technology Face ID (for Apple devices).
the Bank — and this is important — not getting access to your biometrics and not in control of your data in any form. And because the paragraphs of article 11 of the law 152-FZ "On personal data" to those technologies simply not applicable.
as for the "real" biometrics, when the holder of your data becomes a Bank, it depends first of all from the Bank. If you trust him with your money, why not trust the data?
is it Possible to fool the camera (device fingerprint) and other devices to work with biometrics?
As with any protection system, the recognition algorithms of biometric data have their vulnerabilities. We regularly hear that another hacker has announced the breaking of a particular technology, for example, face recognition. And carefully study all the methods to protect clients.
today all existing methods of deception biometrics (for obvious reasons I'm not going to voice them) so are not obvious, sophisticated and require a complexity that in most cases attackers, most likely, simply refuse to bother with your account (if you are the Director of Fort Knox). To simulate the user's face is almost impossible. The web is easy to find links to experiments on the recognition of the twins: Windows Hello, operating for several years, is able to distinguish the "right" twin from the other.
Much easier to find a user without biometrics and steal his username and password.
History with biometric data in the online banks are very similar to the mechanical anti-theft devices in cars: why a car thief to open the car lock on the steering wheel or the pedals that you have to cut, if you can find the same without the lock?
How much is it for the customer?
Our solutions for corporate customers ("Sberbank Business Online" for Windows 10, "Sberbank Business Online" for the iPhone) will use technology from companies — manufacturers of gadgets. So the question about price increases because of the inclusion of biometrics in the identification process is not.
with regard to the creation of a unified biometric database (which is devoted to consideration in the Duma the bill), it is too early to say. The cost of implementing biometrics in individual banks is a mystery. But it is obvious that this innovation pays off, otherwise it would not be so widespread.
how are they?
the Use of biometrics, particularly facial recognition and retinal scan, to identify users is now considered one of the key trends in the world of online banking. Until recently, the most common form of biometric identification was a fingerprint. Despite the fact that the fingerprint features of a person unique, this technology has its drawbacks.
According to the Microsoft study, the ratio of false pass (the indicator determines the frequency of providing solutions for biometric identification of access persons not having appropriate authority) of the fingerprint is higher than a similar indicator of face recognition technology: it is
now Mastercard uses facial recognition technology to confirm the payment (selfie pay). Wells Fargo applies the retina of the eye (EyeVerify) to log in to the app CEO Mobile biometrics authentication solution. Barclays Wealth uses biometrics to identify users in the Internet Bank for private individuals and for entrepreneurs. Danish Bank ING uses voice recognition technology (Nuance).
Analytics Biometrics Research Group predicts that in 2018 on using biometrics in the world earned more than 9 billion U.S. dollars.
estimated other research Bureau, Grand View Research, the market capitalization of biometric technologies in 2025 will increase to 59.3 billion U.S. dollars.
All of this suggests that the use of biometrics in banks and payment systems very soon will be widespread and will become as commonplace as payment by telephone or PayPass.
Eugene KOLBIN, Director of "Digital corporate Bank" of the savings Bank, for Banki.ru
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