Paying With Your Face

Aside from privacy concerns (for those who still believe they can do something about it), the facial recognition payment technology does raise questions about the effect of plastic surgery on one's financial security. JL

Will Knight reports in MIT Technology Review:

It is possible to transfer money through Alipay, a mobile payment app used by more than 120 million people in China, using only your face as credentials. Didi, China’s dominant ride-hailing company, uses the Face++ software to let passengers confirm that the person behind the wheel is a legitimate driver. The technology figures to take off in China first because of the country’s attitudes toward surveillance and privacy.
Shortly after walking through the door at Face++, a Chinese startup valued at roughly a billion dollars, I see my face, unshaven and looking a bit jet-lagged, flash up on a large screen near the entrance.
Having been added to a database, my face now provides automatic access to the building. It can also be used to monitor my movements through each room inside. As I tour the offices of Face++ (pronounced “face plus plus”), located in a suburb of Beijing, I see it appear on several more screens, automatically captured from countless angles by the company’s software. On one screen a video shows the software tracking 83 different points on my face simultaneously. It’s a little creepy, but undeniably impressive.
Over the past few years, computers have become incredibly good at recognizing faces, and the technology is expanding quickly in China in the interest of both surveillance and convenience. Face recognition might transform everything from policing to the way people interact every day with banks, stores, and transportation services. Technology from Face++ is already being used in several popular apps. It is possible to transfer money through Alipay, a mobile payment app used by more than 120 million people in China, using only your face as credentials. Meanwhile, Didi, China’s dominant ride-hailing company, uses the Face++ software to let passengers confirm that the person behind the wheel is a legitimate driver. (A “liveness” test, designed to prevent anyone from duping the system with a photo, requires people being scanned to move their head or speak while the app scans them.) The technology figures to take off in China first because of the country’s attitudes toward surveillance and privacy. Unlike, say, the United States, China has a large centralized database of ID card photos. During my time at Face++, I saw how local governments are using its software to identify suspected criminals in video from surveillance cameras, which are omnipresent in the country. This is especially impressive—albeit somewhat dystopian—because the footage analyzed is far from perfect, and because mug shots or other images on file may be several years old.

Paying With Your Face

• Breakthrough Face recognition technology that is finally accurate enough to be widely used in financial transactions and other everyday applications.
• Why It Matters The technology offers a secure and extremely convenient method of payment but could raise privacy concerns.
• Key Players - Face++
  - Baidu
  - Alibaba
• Availability Now

Facial recognition has existed for decades, but only now is it accurate enough to be used in secure financial transactions. The new versions use deep learning, an artificial-intelligence technique that is especially effective for image recognition because it makes a computer zero in on the facial features that will most reliably identify a person (see “10 Breakthrough Technologies 2013: Deep Learning”).
“The face recognition market is huge,” says Shiliang Zhang, an assistant professor at Peking University who specializes in machine learning and image processing. Zhang heads a lab not far from the offices of Face++. When I arrived, his students were working away furiously in a dozen or so cubicles. “In China security is very important, and we also have lots of people,” he says. “Lots of companies are working on it.”

 

One such company is Baidu, which operates China’s most popular search engine, along with other services. Baidu researchers have published papers showing that their software rivals most humans in its ability to recognize a face. In January, the company proved this by taking part in a TV show featuring people who are remarkably good at identifying adults from their baby photos. Baidu’s system outshined them.

Now Baidu is developing a system that lets people pick up rail tickets by showing their face. The company is already working with the government of Wuzhen, a historic tourist destination, to provide access to many of its attractions without a ticket. This involves scanning tens of thousands of faces in a database to find a match, which Baidu says it can do with 99 percent accuracy.
Jie Tang, an associate professor at Tsinghua University who advised the founders of Face++ as students, says the convenience of the technology is what appeals most to people in China. Some apartment complexes use facial recognition to provide access, and shops and restaurants are looking to the technology to make the customer experience smoother. Not only can he pay for things this way, he says, but the staff in some coffee shops are now alerted by a facial recognition system when he walks in: “They say, ‘Hello, Mr. Tang.’”