人脸识别技术在金融机构中的应用、风险及对策  

Application,Risks and Coutermeasures of Face Recognition Technology in Financial Institutions

作　　者：徐鑫[1] 赵毅磊[1] 王洁莹[1] Xu Xin;Zhao Yilei;Wang Jieying(Institute of Petrochemistry,Heilongjiang Academy of Sciences,Harbin 150040,China)

机构地区：[1]黑龙江省科学院石油化学研究院,哈尔滨150040

出　　处：《黑龙江科学》2023年第9期49-53,共5页Heilongjiang Science

摘　　要：人脸识别技术基于人的面部信息开展身份识别,具有唯一、敏感、易采集等特征,在金融机构数字化经营中的应用较为广泛。人脸识别技术在为金融机构开展工作提供便捷的同时,其固有的识别误差也不容忽视,滥用该技术也会给信息主体带来一定安全风险。从识别技术安全、面部信息保护及算法决策入手,能够分析出金融机构应用人脸识别技术时可能存在的风险。为此,不断提升人脸识别技术的安全保障水平、采取数据安全措施、加强外部机构管理、强化面部信息保护、完善应用算法分析的决策方式等能有效规避金融机构应用人脸识别技术的风险,从而使该技术更好在金融服务工作中发挥效用。Identity recognition is developed based on human facial information with face recognition technology,which is unique,sensitive and easy to be collected,etc.It is widely used in the digital operation of financial institutions.Face recognition technology provides convenient services for financial institutions to carry out work.Meanwhile its inherent recognition errors can not be ignored.Abuse of this technology will also bring certain security risks to the information subject.Through starting from the security of recognition technology,facial information protection and algorithm decision,the possible risks when financial institutions apply face recognition technology can be analyzed.Therefore,the continuous improvement of the security and guarantee level of face recognition,the adoption of data security measures,the strengthening of external organizational management,the intensification of face information protection and the improvement of the decision-making method of application algorithm analysis,etc.can effectively avoid the risks of financial institutions applying face recognition technology,to better play the role of the technology in financial institutions.

关 键 词：人脸识别 金融机构 信息安全 生物密钥 

分 类 号：TN918.4[电子电信—通信与信息系统] F832.2[电子电信—信息与通信工程]