Moscow — The largest retail bank in Russia is testing a new system. We are talking about an ATM with a built-lie detector intended to prevent fraud with consumer loans.
Customers previously not associated with the bank could talk to the machine submitting the application for a credit card. In this case, human intervention on the part of the bank is not required.
Cash machine scans a passport, records fingerprints and takes a snapshot of the face in three dimensions in order to identify. It also uses voice analysis software, which allows to determine the truth if a person says, answering questions from the machine, such as "Do you have a job?" And "Do you have at the moment any other outstanding loans?"
The voice analysis was developed by the Center for Speech Technology — the company, among which there are large customers, and the Federal Security Service, engaged in counter-intelligence, and descended from the Soviet KGB.
Director of the branch of the MDGs in Moscow Dmitry Dyrmovsky says that the new system was created in part based on a sample of databases Russian law enforcement agencies with records of votes of those who lied to the police during interrogation.
The aforementioned big bank — a "Savings Bank", a majority-owned by the Russian state. The Bank declares that he intends to eventually install the new machines in supermarkets and bank branches across the country, but has not yet made a decision about when it will be done. As they say, technology consultants, if machines will find commercial application, it will be the first in the global banking practice case using voice analysis in ATMs.
Sberbank management states that the new ATMs will be used in full compliance with Russian laws on privacy.
To appeal to Russian experts on national security Sberbank made the global financial crisis, triggered in part by loans that people could not or would not return. Sberbank just at that time decided to automate much of their banking experience, as evidenced by the senior vice-president of the bank’s information technology Viktor Orlovsky.
With this program you can detect nervousness and emotional stress in humans, which may indicate that the client is disingenuous. This information, said Orlovsky, will be used in conjunction with other data, including credit history.
Sberbank is not alone in its attempts to look beyond the horizon of new developments in the automation of banking experience.
Deutsche Bank and Citigroup, for example, experience the future of technology in several of its offices in Berlin, New York and Tokyo. These banks say that they have concentrated their efforts on the creation of new kinds of interactive displays and terminals with touch screens, such as the desktop with Microsoft, recognizing the documents and other items that are placed on the surface.
In addition, the loan approval ATMs has become a fact of daily financial life in Turkey, where the bank machine to help fuel the boom in consumer lending, which, as some analysts fear could turn into a debt crisis.
But Sberbank is the only one trying to turn the ATM machine in the truth.
"We do not know of any major financial institution in the U.S. that would make something like this, for example, tried instrumental to determine who is telling lies," — said in a telephone interview a senior analyst at Corporate Insight Daniel Wiegand (Daniel Wiegand). The company advises banks on consumer technology.
A prototype of the ATM machine on display in the laboratory of advanced development of the Savings Bank, located in a nondescript office building above the station of the Moscow metro.
The lab is full of equipment for research of biometric data. When it comes to people, it removes the camera recognizes the person who came and artificial voice joyfully welcomed familiar customers. But more often, he says, rather grimly: "Hello, you’re not registered." The fact is that today only a few scanned face of the laboratory staff.
Sberbank says that to comply with that part of the law on privacy, which prohibits companies maintain a database of customers’ voices, he plans to keep a record of their votes in the chips embedded in credit card consumers.
Vice-President of the Savings Bank Orlowski says that in the enforcement of the law on personal privacy, the bank also intends to inform customers about what kind of information, including biometric, will collect about them ATM.
Speech Technology Center, says that even knowing about the program voice analysis it will be hard for people to cheat, because it measures involuntary nervous reaction, as does the polygraph.
Director of the Moscow branch of the MDGs Dyrmovsky says that voice analysis system analyzes the vibration characteristics of which are defined by the contours of the throat, larynx, and other bodies responsible for it. When a person is excited, the involuntary nervous reactions alter these characteristics are also changing the tone and pace of speech.
Another device measures the MDGs irritation. He has already been installed in the center of processing telephone calls "Russian railways". For a few seconds, the computer can sort incoming calls to red, yellow, green and blue categories according to the emotional state of the speaker. If the call of the red category, the conversation begins to follow the dispatcher.
As a demonstration of the real recording equipment scrolled call will cause the program to put a glowing red dot next to a phone number that was displayed on the screen. It was the voice of a passenger and just found out that she could not take a first-class carriage your little dog.
"You know how much is the ticket? Yes, it’s a lot of money, and you’re telling me that I can not take my dog? — Says a woman. — This little dog is the size of no more than — I do not know — a pack of cigarettes! What do I do, throw it out the window? "
The system, which is developing the MDGs for the Savings Bank, a kind of the same program, but it is designed to detect nervousness.
"Of course, we do not believe this technology one hundred percent" — says Orel. The client, for example, can be nervous for reasons having nothing to do with the application for credit. This is only a statistical adviser.
In addition, according to Orlov, in the analysis of voice molestation any more than in the checks credit history.
"We do n
ot interfere in the personal life of the client, — he says. — We do not fit into the brains of the client. We do not violate privacy. We’re just trying to find out, he says the truth or not. And I do not see any reason to worry. "