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http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/19998
標題: | 行動支付之風險管理與信賴認證 Business Model Innovation and Analysis of Mobile Payment |
作者: | Sung-Ru Lin 林嵩儒 |
指導教授: | 游張松 |
關鍵字: | 行動支付,機器學習,卷積神經網絡,人臉辨識,金融科技, Mobile Payment,Machine Learning,CNN,Face Recognition,Fintech, |
出版年 : | 2018 |
學位: | 碩士 |
摘要: | 行動支付之發展日趨茁壯,瑞典、丹麥已朝無現金國家之目標發展,台灣也於近年跟上行動支付潮流,市面上已有多家公司(如:Taiwan Pay、街口支付…等)開發行動支付平台,但台灣行動支付發展至此,仍有許多人對於資訊安全抱有疑慮,本研究將分析此類問題並實作方法已期拋磚引玉使後進解決,改善行動支付之問題。
本研究透過分析現今行動支付運作模式,藉此觀察現行模式面臨問題如:1.將支付之隱密資料綁定於手機,手機遺失之安全疑慮?2.店家QR Code是否有偽造疑慮?也由於中國偽造店家QR Code之詐騙案確實層出不窮,使許多行動支付使用者怯步,故本研究針對此點提出人臉辨識技術作為確認使用者身份的方法,並提出以信賴程度分級管理。 目前iPhone X之Face ID便為此方法之應用,但現今Face ID之資料是存於用戶自己的iPhone晶片中。這項限制使得其他品牌、型號手機無法使用此功能,故本研究透過Python程式語言實作機器學習之人臉辨識,拋磚引玉希望日後能應用於行動支付解決該問題。 The development of mobile payment has grown stronger. Sweden and Denmark have moved toward the goal of cashless countries. Taiwan has also been keeping up with the trend in recent years. There are already several companies develop mobile payment platforms, such as Taiwan Pay, JKOPAY, etc. However, there are still many people who are concerned about the security of mobile payment in Taiwan. This study will analyze such issues and implement methods to solve the problem and improve the payment for the operation. This study analyzes the operations for mobile payment in order to find the problems of mobile payment nowadays. For example: 1. Bind the hidden information of the payment to the mobile phone and the security concerns when losing mobile phone. 2. Does the QR Code for payment have any suspicions? This study proposes a face recognition technology as a method for identifying user identities, and proposes a hierarchical management based on trust and risk. The iPhone X's Face ID is used for this method, but Face ID data is stored in the user's own iPhone chip. This patent and restriction make it impossible for other brands to use this feature in their smartphones. Therefore, this study uses the Python programming language to implement face recognition with machine learning. It is hoped that this study can be applied to mobile payment to solve this problem. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/19998 |
DOI: | 10.6342/NTU201801598 |
全文授權: | 未授權 |
顯示於系所單位: | 商學研究所 |
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