More Related Content Similar to 4 atec security Similar to 4 atec security (20) More from Chris Skinner (20) 1. Security Technology
Empowering Financial Inclusion
WENBIAO ZHAO
ANT FINANCIAL SERVICES GROUP
SENIOR DIRECTOR
2. QR Code Based Mobile Payment in China
Lower User Barrier Easier Acceptance
VS VS
Mobile payment is the most popular way to pay in China
3. We Make Mobile Payment More Secure
99.99
%
Digital Identity Risk Brain Data Protection and Privacy
Fraud Loss Rate < 0.01 BPs
Biometric
identification
ID Auth
Standard AlphaRisk Real-time
Analysis
Data Security
Infrastructure
Anomaly Data
Access Detection
5. AlphaRisk is the AI-Driven Risk Brain
Automated 0 human intervention
self-Learning Engine refitted within 1 day
Precise Loss rate < 0.01 BP
High-performance Process 500K trx/ sec
Adaptable Response to risk within 1 second
Evolution
Auto Risk Model Update：
T+0 auto refit online models, timely
respond to dynamic patterns
Perception
Perceive Customer Behaviors：
Real-time perception & alert to risk
attack and dark network
AI Detect
Assess Payment Risk：
Millsecond risk detection capability,
powered by machine learning
AutoPilot
Auto Risk Strategy Selection：
Well-applied biometric authentication
to AI-recommended user
6. Evolution in Online Model Automation
Yesterday Today Tomorrow
Deep Learning
Lots of Data
Only the Rich
Reinforcement Learning
Lots of Data
Only the Rich
Transfer Learning
Few Data
Everyone
The Future of Machine Learning
Transfer Learning (TL)
LHD（Mainland） RHD（HK）
The ability of a system to
recognize and apply knowledge
and skills learned in previous tasks
to novel tasks (in new domains)
Domain Adaptation
Coverage increased by 26%
Cold Start
Model learned 2 months in advance
ModelAuto-Update
ModelPerformanceEvaluation
Online Model Automation
Massive Data & Meaning Feature & Running Model
from a relevant domain
26% increase in recall
Model Self Learning
Transfer Learning
DNN
GBDT
Ensemble
…
…
7. 1 Week：Customize
Default Strategies
1 Day：Cold Start 1 Month：Auto Refit
Transfer Learning
Strategies Refit & Retrain
Application of AlphaRisk to Business Partners
Advanced and replicable capabilities help world-wide business partners prosper
Ant Financial
Eco-System
9. Diversity of Digital Identity Authentication
Touch ID
Voice ID
Face ID
Bank cards
SMS
What You HaveWho You Are
What You Know
Personal information
Online shopping
Public transportation
Government services
Retail payments
Chip OS Mobile IFAA
600M Users
700M Devices
36 Mobile Brands
Sensor
10. Facial
Recognition
Liveness Detection
Dual Authentication:
Face + Eyeprint
99.9% Anti-Spoofing
Anti Spoofing (video modeling etc)
Security
99.7% Accuracy
False Positive < 0.01 bp
ZOLOZ Biometric Identification
Account Registration eKYC
Facial Recognition Payment
Facial Recognition Login
Financial Grade Face Authentication
Precision
13. End-to-end Data Security Management
Bob is crawling
sensitive data
2017.7.10
9:00 AM
Anomaly behavior
detected by Crawling
Detection Model
2017.7.10
9:01 AM
Investigation
& Interview
2017.7.10
9:10 AM
Page View
7.6 2.3 0.9
Operation Time
Concentration
Behavior
Deviation
Staff Risk Profile
“Who They Are”
Behavior Analysis
“What They Do”
Data Asset Management
“How They Access”
Data Collection Data Storage Data Usage Data Sharing Data Export
15. RISK+
Risk Brain
Data Protection and Privacy
Digital Identity
Financial Inclusion
1000+ Partners
100+ million Requests
Security technology drives the
growth of new finance eco-system
Risk+ Empowers Financial Inclusion
