Deutsche Bank is experimenting with new antifraud technology that uses the way you handle and hold your phone to work out if you are really you.

德意志银行(Deutsche Bank)正在测试新的反欺诈技术，这项技术通过你使用和握持手机的方式来判定你的真实身份。

The bank hopes the system will free customers from passwords and allow it to lift limits on mobile transactions.

德银希望，该系统能让客户免于输入口令，并让它能够取消对移动交易的限制。

The technology analyses about 50 different factors to build a picture of a user from pressure applied to the pin-pad to how the phone is held, location, facial recognition and thumbprint.

这项技术对大约50个因素进行分析，以建立一套用户特征。这些因素包括用户按个人识别码键盘的力度、握持手机的方式、地理位置、面部识别和指纹。

Some of these are already in use. MasterCard is trialling facial recognition — dubbed “selfie pay” — and voice recognition.

其中一些技术已在应用当中。万事达(MasterCard)正在试用被称为“自拍付”(selfie pay)的面部识别以及语音识别。

The boast of Callsign — the company working with Deutsche Bank on the new technology — is that its system brings so many factors together.

Callsign正与德银就这项新技术展开合作。Callsign宣称，它的这套系统汇聚了多种因素。

“If I stole your mobile... I got hold of your pin number and biometric (fingerprint) and I was trying to impersonate you in some way, just because I could do that doesn’t mean that I’m you,” said Zia Hayat, chief executive and founder of Callsign.

Callsign首席执行官兼创始人齐亚哈亚特(Zia Hayat)表示：“如果我偷了你的手机……搞到了你的个人识别码和生物特征（指纹），并企图以某种方式冒充你，就算我能够做到这些，我也成不了你。”

Nick Doddy, Deutsche’s regional innovation manager, said the system can adjust to multiple profiles to take into account whether a customer is sitting or standing. It can even adjust to temporary setbacks.

德银地区创新经理尼克多迪(Nick Doddy)表示，该系统能调整自身以适应客户的多套特征，比如考虑客户是坐着还是站着。它甚至能调整自身以适应暂时性的匹配困难。

“If you’ve broken your right arm and... at home and now you’re using your left hand, it will say her location is good, her pin is good, her biometric is good, but she’s now handling it in a different way, so it might say ‘give me a facial recognition’,” he said.

他说：“如果你摔坏了右臂……在家里正用左手使手机，它会说地理位置匹配、个人识别码匹配、生物特征匹配，但现在握手机的方式不匹配，那么它会说‘请使用面部识别’。”

In tests, Deutsche says no one has managed to achieve a “match” above 15 per cent trying to hack someone else’s account. In most cases, the match was zero.

在测试中，德银表示，尝试侵入别人账户的人，没有一个实现了15%以上的匹配度。在很多实例中，匹配度为零。

Philip Gilligan, head of innovation at Deutsche, said that having such a high degree of confidence about who was accessing an account would allow the bank to let customers execute higher value transactions.

德银创新负责人菲利普吉利根(Philip Gilligan)表示，对账户访问者的信任达到如此高的水平，将使德银能够让客户执行金额更高的交易。

This will benefit wealthy individuals, businesses or funds who want to move large sums with ease. Deutsche has been trialling the system and plans soon to extend it to 10,000 members of its staff as part of a larger pilot.

这将让那些希望轻松转移巨额资金的富有个人、企业或基金受益。德银一直在测试该系统。作为一个更大的试点计划的一部分，该行计划不久之后让其1万名员工也成为该系统的试用者。