对银行的三种营业模型进行分析后指出,现代“机-机”模型是未来银行的必然经营方式,而其关键技术是储户的身份甄别和确保交互信息在网路中的安全.提出了两种安全性控制策略,即双密钥(伴随密钥)与浯音智能识别,前者绕过了身份直接甄别,后者则是用动态语音代替动态图像来甄别身份.最后对问题求解策略及算法给出了框架性描述.
This paper analyzed three kinds of business models of bank and pointed out that the modern "machine-machine" model is the trend of future bank' business, but the key technical problem is to discern the clients' identity and to ensure the safety of information in transmitting. Two kinds of security control methods, the two private keys strategy and the intelligent automatic speech recognition, were presented. To the former, it is not necessary to discern the clients' identity; and to the latter, the dynamic voice, replaced the dynamic figures, was used to discern the clients' identity compared with the traditional method. Here also presented a frame description of the strategies and algorithms for solving the hard problem.