New ATM To Detect Lies

Consumers who have no prior relationship with the bank could cause the machine to apply for a credit card with no human intervention necessary to finish Bankas.Russias largest retail bank is testing a machine that older people who have loved the KGB, an ATM machine with a built-in lie detector for preventing fraud in consumer credit.

The technique of voice-analysis was developed by the East of speech Experience, a company whose main customers are other internal intelligence of the Federal Security Agency is a descendant of Russian Soviet KGB

The machine scans the passport files of fingerprints and take a three-dimensional scanning of facial recognition. And it makes use of voice analysis program to help assess if the truth is that responding to questions from the Aare you have a job? Ain case of abnormal time and regardless of whether you have other outstanding loans? Â

Largest bank Sberbank involved, whose majority owner is the Russian government said it aims to put in new machines in malls and bank branches across the country, finally, but had not yet planned deployment. Expertise of consultants say the machines, if they are ready for commercial use, give the Bank worldâ the first use of voice analysis in Atma.

Dmitri V. Dyrmovsky centerâs director of the Moscow office, said the new technology is designed to sample part of the Russian law enforcement database of stored ballots found people lying on the course of police questioning.

It was the global financial crisis, partly inspired by loans that people could not or did not receive reimbursement specialists Russiaâs Sberbank exploit national security as required to automate most of the banks, “said Victor Orlovsky, Vice-President of expertise in banking.

Although the experience Sberbankâs was found offensive to the West, many Russians already taking the government can watch or listen to when you decide. Sberbank managers said that the new Russia ATMâs adhere to privacy laws.

Sberbank is not a very exclusive looking over the horizon, a new type of banking automation.

The program detects nervousness or anxiety and worry are the possible signs of a credit applicant imagine. This information, he said Orlovsky would be used in combination with other information, including credit history.

Deutsche Bank and Citigroup, for example, are experimenting with futuristic technologies in a handful of bank branches in Berlin, New York and Tokyo. The banks argue that their efforts are focused on new types of interactive displays and touch screen terminals, like a table made by Microsoft that the meaning of documents and other items placed on it.

credit approval and the ATMs

it is a fact of financial life in Turkey, where ATMs are helping to fuel a boom in consumer credit that some analysts fear could spiral into a debt crisis.

But Sberbank may be unique to date in trying to turn the machine Atmas truth.

Donat not know anything about the major U.S. financial institutions to do things in this direction, such as trying to judge whether a person is lying, Daniel Wiegand, a senior analyst at Corporate Insight, the company consults with banks competence of consumers, “said the telephone interview.

A prototype of the machine is exposed to future management of Sberbank laboratories in a building over an entire subway station in Moscow.

The lab is full of experience biometric surveillance. When a person receives a grade of facial recognition camera, and an artificial voice cheerfully welcomes guests known. Or, more often, threw a sad âHello, you are not registered, as only an amount of syllables staff have seen their faces scanned to date.

Mr. Orlovsky, Sberbank, Vice-President said, to address concerns over privacy bank also intended to make consumers aware of what information, such as biometrics, that ATM will be to collect.

Sberbank says that to observe that part of the privacy law that prohibits a company to keep a database of customer voice signatures, drawings to save the bank customers voiceprints on chips that are contained in their credit card.

Director of the Centre, Mr. Dyrmovsky said vocal technique to analyze the vibration stress formed by the contours of a groove individualism, larynx and other tissues involved in the discourse. When a person becomes agitated, he said, involuntary nervous reactions modify these forms, changing the tone and rhythm of speech.

measures hundreds of other angry. Already installed in the center called the Russian National Railways. Within seconds, the machine can sort into classes of red, yellow, green and blue, based on the speaker’s emotional state. Red tends to call a supervisor to listen to calls

But the discourse of experience in the Middle, he said, even people who know the agenda of the voice that would be hard to fool, as the involuntary nervous response measures, how a polygraph verification.

ADO you know the way the cost of a ticket?

Yes, considerable resources Itas, and you tell me I can not get a dog? Â woman said. AThe Itas dog no bigger than I know Donat, a packet of cigarettes!

What should I do, throw out the window? 

In a demonstration, technicians played a recording of an actual call that caused the program to illuminate a red dot next to a phone number displayed on the screen. It was the voice of a passenger who had learned he could not take your dog in a car class.

Environmental technology is in development for Sberbank is a variant of this program, designed to identify nerves.

AOF courses, which Donat this know-how of 100 percent, “said Orlovsky â, chief executive of Sberbank. A client may be nervous for reasons other than a credit application, for example. They said it was simply a statistical guidance.

AWE does not violate the privacy of customers, they said. AWE does not rise in the brain of customers. Arenât invade his personal life. They are looking for stars, which tell the truth. Donat I see no reason to be alarmed.â

And they said voice analysis was more invasive than checking credit history.