心电图身份识别在保险业应用专家共识

Expert consensus on ECG identification applied in the insurance industry

心电图具有生物特征身份识别的普遍性、可携带性、唯一性和稳定性,其作为新的身份识别方法“跨界”应用到信息技术领域,丰富和完善了现有的生物特征识别技术,适用于保险业客户身份识别。本文首先介绍了保险业常用的生物特征识别技术、心电生物特征识别技术及其优势;然后,阐述了心电生物特征识别技术的主要内容,并系统梳理了心电图身份识别的特征点及其提取的国内外相关研究成果;其次,基于心电图身份识别技术在国内保险业近20年的应用实践,概述了技术鉴定流程;最后,对其未来发展进行展望,旨在进一步推广该技术在保险业及其他行业的应用。

With biological identification features of universality,portability,uniqueness and stability,electrocardiogram(ECG)as a novel identification method has crossover application in the information field.It enriches and improves the existing biometric identification techniques,and is suitable for customer identification in the insurance industry.This paper firstly introduces common biometric identification techniques used in the insurance industry,and ECG biometric identification technique and its advantages.It then explains the main content of ECG biometric identification technique,and systematically reviews the latest research advances at home and abroad related to the characteristic points of ECG identification and their extraction.Based on the application practice of ECG identification technique in the domestic insurance industry for nearly 20 years,this paper outlines its technical identification process.Finally,this paper looks forward to the development of the technique in the future.It is aimed to further promote the application of this technique in the insurance industry and other industries.