人證核身解決方案

2019-06-12 09:21 來源: 華為集團
瀏覽量: 收藏:0 分享
  • 方案類別:行業產業

  業務挑戰

  貸款欺詐

  羊毛黨、黃牛黨等利用網上購買的身份證、偽造或者翻拍證件,冒充他人在信貸網站上惡意騙貸,給金融機構造成了嚴重的業務損失,大量的逾期都是因為信貸欺詐導致

  識別準確率低

  在基于OCR進行身份證、駕駛證、行駛證識別時,對于翻拍、P圖、分辨率低、反光、強光、水映、模糊、泛白、拍照角度、傾斜、翻轉、復雜背景等特殊場景時,識別率低; 活體識別準確率低,用戶反復提交不成功,導致用戶體驗差

  集成復雜

  需要引入人臉識別、證件識別和三要素認證服務商,同時需要選購定制化硬件,用戶需要基于該場景引入多家軟硬件服務商,集成和安裝配置復雜

  成本高

  需要采購人臉識別、證件識別軟件以及實名認證服務,同時需要采購定制化的硬件,軟硬件購置成本高,客戶一次性投入大,而業務前期使用量往往較小,存在投入浪費

  解決方案架構

  

  方案描述:

  基于華為云人工智能相關技術,為金融機構提供高準確率和高安全的人證核身解決方案,接口調用簡單,快速實現身份驗證,識別欺詐用戶

  關鍵技術:

  OCR證件識別

  人臉檢測

  活體檢測

  人臉比對

  三要素身份驗證

  產品推薦

  方案優勢

  識別準確

  識別算法魯棒性強,復雜場景識別準確,可毫秒級識別單張人臉,支持識別不同年齡、性別、服飾等屬性的人群,人臉比對在LFW公開測試集上的準確率為99.6%+

  真實可信

  可審核證件是否為原件,有效防止照片翻拍、復印件翻拍、P圖等欺騙行為,識別證件中的文字內容,并對接公安系統驗證身份是否真實有效

  使用簡單

  方案提供的應用程序接口功能明確,簡單易用;配套文檔描述詳細,方便客戶使用與集成

  穩定可靠

  支持在海量圖片特征庫中進行人臉搜索,檢測、比對等功能經華為企業客戶的長期實踐,功能穩定,可服務性高

標簽:

責任編輯:徐向南
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