JR/T 0164-2018 in English
VALIDTechnical specifications for voiceprint recognition based security application for mobile finance
- Issued on:2018-10-09
- Implemented on:2018-10-09
- File Format:PDF
- Delivery:Via email within 1~3 business days
$262.00
| Standard No: | JR/T 0164-2018 |
| Document status: | VALID |
| Title in English: | Technical specifications for voiceprint recognition based security application for mobile finance |
| Title in Chinese: | 移动金融基于声纹识别的安全应用技术规范 |
| Language: | English |
| File Format: | Electronic (PDF) |
| Delivery: | Via email within 1~3 business days |
| Issued on: | 2018-10-09 |
| Implemented on: | 2018-10-09 |
| ICS Classification: | 03.060-Finances. Banking. Monetary systems. Insurance |
| Chinese Classification: | A11-Finance and Insurance |
| Professional Classification: | JR-Finance |
| Related Keywords: | voiceprint recognition
voiceprint recognition technology security application security protection system security protection system quadruple defense mechanism transmission encryption |
| Related Topics: | Application Technology
Voiceprint finance voiceprint recognition stripe recognition Applications based on pcr technology? JR/t yz/t 0164-2018 |
本标准规定了移动金融服务场景中基于声纹识别的安全应用的功能要求、性能要求和安全要求等内容，不包括电话或网络电话（VoIP）中涉及声纹识别的应用场景。
本标准适用于移动金融服务基于声纹识别的设计、开发、检测、应用及风控。
Introduction
Analysis of the core content of the standard
This standard systematically regulates the application of voiceprint recognition technology in mobile financial scenarios for the first time, mainly including three technical modules: voiceprint collection equipment requirements, algorithm performance indicators, and security protection system.
Comparison of key technical indicators
| Indicator type | Registration phase | Verification phase | Industry benchmark |
|---|---|---|---|
| False acceptance rate (FAR) | - | ≤0.5% | ≤1% |
| False rejection rate (FRR) | - | ≤3.0% | ≤5% |
| Effective speech length | ≥5000ms | ≥1000ms | 3000ms |
| System response time | ≤3000ms | ≤2000ms | 5000ms |
Details of the security protection system
Quadruple defense mechanism
- Transmission encryption: TLS1.2+ protocol is required to ensure data transmission security
- Dynamic password: 6-8 digit random number string, valid for 120 seconds
- Storage isolation: Voiceprint model and voice data are stored separately, and AES256 encryption is required
- Attack defense: It is required to have the ability to prevent 5 types of attacks such as recording fraud and speech synthesis
Typical application scenarios
A mobile bank adopted the iFlytek voiceprint engine. After adding voiceprint verification to the transfer confirmation link:
- The number of fraudulent cases decreased by 72%
- The user authentication time was shortened to 1.8 seconds
- The pass rate increased to 96.5%
Implementation Recommendations
Deployment Roadmap
| Phase | Work Content | Period |
|---|---|---|
| 1.Environmental Assessment | Test the sampling rate, signal-to-noise ratio and other indicators of the existing recording equipment | 2 weeks |
| 2. Algorithm selection | Test the actual performance of each manufacturer’s FAR/FRR in business scenarios | 4 weeks |
| 3. System integration | Connect to the existing risk control system and establish a voiceprint feature library | 6 weeks |
Compliance points
- Must obtain user's explicit consent (check + double confirmation)
- Cross-border transmission must pass the security assessment of the Cyberspace Administration of China
- Log retention time is not less than 6 months
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