我记者郭子源报道：日前，一种比手机扫码更“潮”的支付手段上线。从招商银行获悉，继刷脸取款、刷脸转账之后，该行已在深圳正式上线“刷脸支付”功能。这一功能不仅支持招行卡，还支持银联其他20余家银行的借记卡和信用卡。

从具体操作看，消费者需先下载招商银行App，然后用“一网通”绑定、开通支付功能，即可在深圳的两家实体店铺体验“刷脸支付”，支付的全过程无需使用手机。目前这两家实体店铺分别是位于华为深圳总部园区的华为J区知味季和illy新天地咖啡吧。

在illy新天地咖啡吧，“刷脸支付”的提示颇为醒目，消费者在选好自己喜欢的咖啡后，将脸面向咖啡吧收银台的刷脸机器，摄像头可于1秒内自动识别人脸，然后消费者输入在招商银行注册的一网通手机号，确认后即可完成支付。

虽然实现了快捷，但安全性始终是支付的核心问题。“刷facesafe吗？会有凭借照片冒名支付的危险吗？如果是孪生兄弟姐妹，摄像头能识别清楚吗？

“刷facesecondary保障主要基于背后的两项技术——3D人acescognition技术和personace recognition算法。”招行相关负责人说，3D人acescognition技术通过摄像头能在1秒内自动识别用户。用户无需做动作或读数字，摄像头可以通过检测来判断人acesinformation是否为照片、视频等冒充载体。“From this angle, he or she cannot simply impersonate based on a photograph or video.”该负责人说。

In the face recognition algorithm aspect, the 3D personace recognition technology's misrecognition rate is one in ten million, which means that even identical twins can be accurately distinguished without needing to prove "you are you".

"Recruitment bank tests and promotes 'face-to-face payment', hoping to give consumers another new optional payment method. New technologies empower finance. This is also the benefit of financial technology brought to us." The above-mentioned responsible person said.

The reporter asked: Is it safe to use facial recognition? Can someone impersonate by using a photo? Even if they are identical twins, will the camera recognize them clearly?

"The safety of 'face-to-face payment' mainly relies on two technical aspects - 3D face recognition technology and face recognition algorithms," replied an official from Recruit Bank. "Through cameras, we can automatically identify users within one second. Users do not need to make any movements or read numbers; cameras can detect whether facial information comes from photos, videos, etc., as fake carriers."

"This approach ensures that others cannot simply impersonate using photos or videos," added the official.

Regarding the accuracy of face-recognition algorithms, Recruit Bank stated that its error rate for 3D face-recognition technology is one in ten million - meaning that even identical twins could be accurately identified without needing further proof.

"We hope our test run of 'face-to-face payment' will provide consumers with another option for payments," said an official at Recruit Bank. "New technologies empower finance - this is also a benefit brought by financial technology."

Thus far, these two stores have been chosen as testing sites for this innovative service: Huawei J Zone Taste & More in Huawei's Shenzhen headquarters park and illy New Heaven Coffee Bar.

Upon entering illy New Heaven Coffee Bar and approaching their checkout counter equipped with facial-recognition machines (which automatically capture faces within just seconds), customers select their preferred coffee drinks before inputting their registered mobile phone number via app confirmation and completing transactions without ever having to touch phones again!