11月26日口譯文章：德銀測試無需口令的電話銀行技巧
德意誌銀行(Deutsche Bank)正在測試新的反訛詐技巧，這項技巧經由過程你應用和握持電話的方法來剖斷你的真實身份。
德銀願望，該體系能讓客戶免於輸進口令，並讓它可以或許撤消對挪動生意業務的限定。
這項技巧對約莫50個身分舉行剖析，以樹立一套用戶特點。這些身分包含用戶按小我辨認碼鍵盤的力度、握持電話的方法、地輿地位、臉部辨認和指紋。
個中一些技巧已在運用傍邊。萬事達(MasterCard)正在試用被稱為“自拍付”(selfie pay)的臉部辨認和語音辨認。
Callsign正與德銀就這項新技巧睜開互助。Callsign傳播鼓吹，它的這套體系會聚了多種身分。
Callsign首席履行官兼開創人齊亞哈亞特(Zia Hayat)表現：“假如我偷了你的電話……搞到了你的小我辨認碼和生物特點(指紋)，並妄圖以某種方法假裝你，就算我可以或許做到這些，我同樣成不了你。”
德銀地域立異司理尼克多迪(Nick Doddy)表現，該體系能調劑本身以順應客戶的多套特點，好比斟酌客戶是坐著照樣站著。它乃至能調劑本身以順應臨時性的立室艱苦。
他說：“假如你摔壞了右臂……在家裏正用左手使電話，它會說地輿地位立室、小我辨認碼立室、生物特點立室，但如今握電話的方法不立室，那末它會說‘請應用臉部辨認’。”
在測試中，德銀表現，試下侵入他人賬戶的人，沒有一個實現了15%以上的立室度。在許多實例中，立室度為零。
德銀立異賣力人菲利普吉祥根(Philip Gilligan)表現，對賬戶拜訪者的信賴到達如斯高的程度，將使德銀可以或許讓客戶履行金額更高的生意業務。
這將讓那些願望輕松轉移巨額資金的富有小我、企業或基金受益。德銀一向在測試該體系。作為一個更大的試點籌劃的一部門，該行籌劃不久以後讓其1萬名員工同樣成為該體系的試用者。
【參考譯文】
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.
The bank hopes the system will free customers from passwords and allow it to lift limits on mobile transactions.
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.
Some of these are already in use. MasterCard is trialling facial recognition — dubbed “selfie pay” — and voice recognition.
The boast of Callsign — the company working with Deutsche Bank on the new technology — is that its system brings so many factors together.
“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.
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.
“If you’ve broken your right arm and...re 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.
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.
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.
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.
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