生物识别技术及其在金融支付安全领域的应用

Biometric Technology and Its Application in Financial Payment Security

生物识别技术的发展、金融支付安全性的完善以及用户支付体验需求的提升共同催生了生物识别支付,这种新型的支付方式对生物识别技术的硬件和软件都提出了较高的要求.在大数据、云计算和智能硬件发展的基础上,生物特征的采集精度、处理速度以及存储容量都得到大幅提升,硬件方面已不是限制生物识别技术发展的最主要瓶颈.当前,生物识别面临的最大问题在于如何通过优化识别算法来提升生物支付的成功率和可靠性,并且寻找更有竞争力的生物识别支付场景,针对这2个问题,首先在论述生物特征识别技术及其流程的基础上分析了生物识别技术目前存在的问题及业界的解决途径;在此基础上分析了生物识别技术在金融支付安全领域的应用场景.

The development of biometric technology, the improvement of financial payment security and the promotion of user’s payment experience have led to the development of biometric payment. This new model of payment has put forward higher requirements on the hardware and software of biometric technology. On the basis of the development of big data, cloud computing and intelligent hardware, the acquisition accuracy,processing speed and storage capacity of biological characteristics have been greatly improved , and the hardware is not the most important bottleneck in the development of biometric technology. At present, the biggest problem is how to improve the success rate and reliability of the biological payment through the optimal identification algorithm, and to find a more competitive biological recognition payment scenarios. In this paper, we first analyze the current problems and solutions of biometric identification technology and its process, based on the analysis of the application of biometric identification technology in the field of financial security.