Face recognition for lending in Sberbank. Free Technical Library News

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Face recognition for lending in Sberbank

30.01.2014

Sberbank of Russia has put into commercial operation a face recognition system that allows it to automatically detect cases of forgery and falsification of documents when applying for a loan. The solution was developed by the Technoserv company and is also used by law enforcement agencies to identify individuals using an identikit.

Using machine vision technologies, the program builds a mathematical model based on a snapshot of the face of a potential Sberbank borrower that contains information about the geometry of the client's face (the so-called metric template), and then compares this model with the templates included in one or another sample, for example, "stop -list of the bank" or a list of customers who have entered early delay on the loan.

Comparison across all databases takes place within a few seconds, Technoserv representatives say. At the same time, each application is run through almost a dozen databases, which contain more than 20 million sets of documents and photographs of borrowers.

The basis of the photo analysis solution implemented at Sberbank was the Kaskad-Search facial recognition system, which identifies individuals from a photograph or an identikit. This system was developed by Technoserv for use in the operational, reference and expert work of law enforcement agencies.

This solution was adapted to the requirements and business processes of the bank, and the team of the Reksoft company, which is part of the Technoserv group, created an ergonomic interface for the new system.

The facial recognition system has become an element of Sberbank's "Credit Factory" - an automated system for issuing loans based on centralized processing and maintenance of loan products. Cascade-Poisk uses an archive of photographs of borrowers who have previously applied for a loan to the bank to identify fraudulent schemes using high quality fake documents.

In particular, thanks to the system, cases of using documents of bona fide clients by fraudsters can be detected. For example, the system is able to detect cases when the same person submits documents under two different surnames or the same passport data is entered for two different persons.

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