德銀測試無需口令的手機銀行技術

Deutsche Bank is experimenting with new antifraud technology that uses the way you handle and hold your phone to work out if you are really you.

德意志銀行(Deutsche Bank)正在測試新的反欺詐技術，這項技術通過你使用和握持手機的方式來判定你的真實身份。

The bank hopes the system will free customers from passwords and allow it to lift limits on mobile transactions.

德銀希望，該系統能讓客戶免於輸入口令，並讓它能夠取消對移動交易的限制。

The technology analyses about 50 different factors to build a picture of a user from pressure applied to the pin-pad to how the phone is held, location, facial recognition and thumbprint.

這項技術對大約50個因素進行分析，以建立一套用戶特徵。這些因素包括用戶按個人識別碼鍵盤的力度、握持手機的方式、地理位置、面部識別和指紋。

Some of these are already in use. MasterCard is trialling facial recognition — dubbed “selfie pay” — and voice recognition.

其中一些技術已在應用當中。萬事達(MasterCard)正在試用被稱爲“自拍付”(selfie pay)的面部識別以及語音識別。

The boast of Callsign — the company working with Deutsche Bank on the new technology — is that its system brings so many factors together.

Callsign正與德銀就這項新技術展開合作。Callsign宣稱，它的這套系統匯聚了多種因素。

“If I stole your mobile... I got hold of your pin number and biometric (fingerprint) and I was trying to impersonate you in some way, just because I could do that doesn’t mean that I’m you,” said Zia Hayat, chief executive and founder of Callsign.

Callsign首席執行官兼創始人齊亞哈亞特(Zia Hayat)表示：“如果我偷了你的手機……搞到了你的個人識別碼和生物特徵（指紋），並企圖以某種方式冒充你，就算我能夠做到這些，我也成不了你。”

Nick Doddy, Deutsche’s regional innovation manager, said the system can adjust to multiple profiles to take into account whether a customer is sitting or standing. It can even adjust to temporary setbacks.

德銀地區創新經理尼克多迪(Nick Doddy)表示，該系統能調整自身以適應客戶的多套特徵，比如考慮客戶是坐着還是站着。它甚至能調整自身以適應暫時性的匹配困難。

“If you’ve broken your right arm and... at home and now you’re using your left hand, it will say her location is good, her pin is good, her biometric is good, but she’s now handling it in a different way, so it might say ‘give me a facial recognition’,” he said.

他說：“如果你摔壞了右臂……在家裏正用左手使手機，它會說地理位置匹配、個人識別碼匹配、生物特徵匹配，但現在握手機的方式不匹配，那麼它會說‘請使用面部識別’。”

In tests, Deutsche says no one has managed to achieve a “match” above 15 per cent trying to hack someone else’s account. In most cases, the match was zero.

在測試中，德銀表示，嘗試侵入別人賬戶的人，沒有一個實現了15%以上的匹配度。在很多實例中，匹配度爲零。

Philip Gilligan, head of innovation at Deutsche, said that having such a high degree of confidence about who was accessing an account would allow the bank to let customers execute higher value transactions.

德銀創新負責人菲利普吉利根(Philip Gilligan)表示，對賬戶訪問者的信任達到如此高的水平，將使德銀能夠讓客戶執行金額更高的交易。

This will benefit wealthy individuals, businesses or funds who want to move large sums with ease. Deutsche has been trialling the system and plans soon to extend it to 10,000 members of its staff as part of a larger pilot.

這將讓那些希望輕鬆轉移鉅額資金的富有個人、企業或基金受益。德銀一直在測試該系統。作爲一個更大的試點計劃的一部分，該行計劃不久之後讓其1萬名員工也成爲該系統的試用者。