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移动金融安全有保障 日立推出手指静脉识别手机端应用

近日,日立集团研发出了一种新技术:用户可以通过智能手机相机完成手指静脉拍摄,然后利用软件进行静脉图案识别,这样一来在线金融转账等服务的身份识别难题解决起来就更方便了。

随着在线购物变得越加寻常,人们在智能手机和平板电脑上金融的账户交易也越来越多,这就意味着我们必须提高这些移动设备的安全性,因为这上面储存了大量的个人信息。

为了防止嫌疑人盗取用户银行账户信息,智能手机厂商相继推出了授权密码和智能指纹扫描识别技术,但是并不能保证安全万无一失。

其实手指静脉读取技术并不新鲜(日立集团就是这项技术早期的研发核心力量之一),但是要利用这项技术,必须要有专业的读取装置,仅凭肉眼根本无法完成这项任务。但是,相比于指纹识别、面部识别和声音解锁来说,手指静脉授权的这个读取难度同样也是其安全优势所在。

为了简化这一技术的使用难度,日立集团积极进行了研发。现在,只要用智能手机给手指拍一张照片,然后利用软件进行逐个对比即可得出答案。

此外,这个软件还能通过观察用户手指的形状和颜色来弥补照片拍摄角度的不足,而且每次验证的手指数量不止一个,这样原来验证的准确度也就大大提高了。

日立集团表示,手指静脉验证技术现在可谓正当时。许多金融机构如今都在利用先进技术积极革新银行业服务方式,未来类似这样的高安全度验证技术应该也会得到更多应用。

Hitachi has developed an improved method for finger-vein authentication that makes use of a smartphone's camera, and software that can analyse and identify an individual's fingers from the vein patterns visible through their skin, making it easier to verify identities for online financial transactions.

Online shopping continues to get more popular every year, but now a large amount of financial transactions are carried out on smartphones and tablets, meaning that these mobile devices have become targets as they store a huge amount of personal information, or are the gateway to accessing private data.

To prevent criminals from being able to compromise users' bank accounts, smartphone manufacturers now mandate passcodes and biometric fingerprint scanning, but it is still possible for these to be spoofed and bypassed.

Biometric finger-vein reading is already in existence (and Hitachi is a key proponent of the technology), but it typically only works if you have special infrared sensors to hand to capture vein patterns invisible to the naked eye. However, the advantage of finger-vein authentication is that it is much harder to spoof finger veins than fingerprints, facial recognition or voice prints.

To make finger-vein authentication more viable, Hitachi has come up with a new method, whereby the camera on a smartphone can take a photo of a person's hand and use colour recognition software to pick out the vein-pattern information from each finger in the photo without using infrared light.

The software is also clever enough to compensate for the positioning and inclination of the user's fingers in the photo by looking at the shape and colour of the fingers and being able to examine several fingers at once, ensuring a more accurate result.

Hitachi says that finger-vein authentication is particularly pertinent now. A growing number of financial institutions around the world are revolutionising banking services with emerging technologies (a field commonly known as fintech), and as such, more secure methods of authentication will soon be needed.


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