Face Authentication for Remote Banking Services
Sunartek’s Face authentication system for remote banking is an API-based solution that can be integrated with a banking application either on a mobile phone or a mobile banking web server. The API is available for Android, iOS, Windows, and Linux platforms.
Face authentication banking system authenticates the identity of a person, by comparing the live image of the customer with the image stored in the bank records.
Features of Face Authentication System for Remote Banking
Secure Access
Profiles in Server
Platform Independent
Screen Conditions
Recognition with Accessories
Low Verification Time
Dual - layer Liveness Detection
Normal Bandwidth
Features
Secure Access
Hackers will not have access to the customer’s account, even if they bypass mobile security, as facial biometrics is an additional layer of security in the face authentication system.
Profiles in Server
Face authentication systems are more secure than conventional mobile phone-based facial recognition systems as profiles are stored on the bank’s server.
Platform Independent
The API-based solution in the system makes it easy to integrate.
Screen Conditions
Face authentication systems can operate on low lighting, day/night contrasts & more.
Recognition with Accessories
Face Authentication banking system works effectively even when the user is wearing any cap, spectacles etc.
Low Verification Time
Verification time in the face authentication banking system takes less than 3-seconds.
Dual-layer Liveness Detection
Face authentication banking system has dual layer detection ability to detect a person’ s identity. The first layer i.e. front-end from a mobile application (platform-dependent) & the second layer i.e. back-end from server verification.
Normal Bandwidth
The face authentication banking system works with normal internet bandwidths for any requirement regarding online banking transactions.
Working of Application
  Step 1:  Application Interface
  Step 2:  Login Page
  Step 3:  Once the login is successful, the camera starts loading
  Step 4:  Face Verification
  Step 5:  Home Page
Step 1:
Application Interface Step 2:
Login Page Step 3:
Camera starts loading Step 4:
Face Verification Step 5:
Home Page
Working of Face Authentication for Remote Banking Services
- The API captures live pictures of the user utilizing the in-built cameras on the mobile phone, laptop or web camera. The captured live image is thereby transmitted to the authentication server by using a secure internet connection.
- The authentication server checks this image against pictures of the user that was submitted when the account was opened. Hence, if a positive match is found, the authentication is successful. While in case of a negative match, the session is terminated.
- Precisely, conventional facial recognition algorithms on mobile phones, stores customers’ facial profile on the phone itself. Malicious users can bypass the mobile’s security and get access to the banking application. whereas, Sunartek’s Facial Recognition System works by comparing the live images of the customer with the images in the bank’s records in real-time. Even if the security of the mobile is compromised, unless the customer is present in front of the camera, the authentication server at the bank will not allow access to the banking application.
Importance of Face Authentication for Remote Banking Services in banks
- Since the initiation of the digital revolution, facial recognition has been attaining prominence over touch & type-based communications due to the feasibility it offers without negotiating on the security of transactions.
- Integrating biometric facial recognition with banking software presents a robust and secure alternative to password-based authentication systems.
- Traditional methods like using passwords come with a rather serious limitation. People create passwords based on what they know. So, it is easy for a hacker to employ several tactics to crack the password. Another major flaw is that people can have too many passwords, for example, social media accounts, emails, and e-wallets as well.
- Generating a complex password can make it convenient to forget and when a banking customer demands for a provisional code through email to reset it, then a hacker can capture the inbox.
- Utilizing facial recognition indicates that the banking customer only has a ‘face’ as an identity which can permit them to access to all their bank accounts.
Advantages of Face Authentication for Remote Banking Services in banks
- Liveness Detection:Â It prevents hackers from using a picture of the customer for impersonation purposes.
- Convenient & secure access:Â The recognition system also allows customers to access their bank accounts from computers and mobile phones.