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Unveiling Ping An Group’s
FinTech Transformation
揭秘平安科技变革
Transforming business with technology – Jessica Tan
以科技引领业务变革
Agenda
议程
Technology powers everything that we do – Ericson Chan
科技驱动我们在各大生态圈的创新
Deep dives – AI, Cloud, Blockchain – Ricky Ou
深度介绍 –人工智能、云及区块链
Transforming business with technology
以科技引领业务变革
Jessica Tan
Group EVP / COO / CIO
01
China’s largest diversified ownership integrated financial services group
dedicated to becoming a world-leading personal financial services provider
中国最大的混合所有制综合金融服务集团
致力于成为国际领先的个人金融生活服务提供商
Solid financial performance in 2016
2016年稳健业绩概览
RMB774+ billion
Revenue
营业收入
RMB72+ billion
Net Profit
净利润
RMB311.51
Profit / Customer
客均利润
RMB5.77 trillion
Total Asset
总资产
137+ million
Individual Financial
Customers
个人客户数
376+ million
Internet Users
互联网用户数
264+ million
APP Users
APP用户数
Sustained business and customer growth in Q1 2017
2017年一季度业务及客户规模持续增长
Ranking
排名
#16 Forbes Global 2000 福布斯全球上市公司2000强
#41 Fortune Global 500 世界财富500强
#1 Global listed insurance companies by market cap 全球上市保险公司市值
Strategic Objectives
战略目标
Industry Focuses
行业聚焦
Pillars
支柱 Insurance
保险 Banking 银行
Asset Management
资产管理
World-leading personal financial services provider 国际领先的个人金融生活服务提供商
Pan Health Care
大医疗健康
Pan Financial Assets
大金融资产
Internet + Finance / Life
互联网 + 金融 / 生活
Integrated Finance + Internet
综合金融 + 互联网
Development Models
发展模式
Financial Services
Ecosystem
金融服务 生态圈
Health Care
Services
Ecosystem 医疗健康
生态圈
Auto Services
Ecosystem
汽车服务 生态圈
Real Estate
Finance
Ecosystem 房产金融
生态圈
Ping An’s Strategy - “One positioning, Two focuses, Four service ecosystems”
平安战略 – “一个定位、两个聚焦、四个生态服务”
Financial Services
Ecosystem
金融服务生态圈
Health Care Services
Ecosystem
医疗健康生态圈
Auto Services
Ecosystem
汽车服务生态圈
Real Estate Finance
Ecosystem
房产金融生态圈
130
~180
>200 ~350
6
10
4.1 8
3.2
5 3
5
4 Ecosystems
四大生态圈
Pan Health Care 大医疗健康
Pan Financial Assets 大金融资产
2 Focuses 两大聚焦
Current market size
当前市场规模
Projected market size
未来市场规模
Unit: Trillion 单位：万亿
Financial Assets 金融资产
Real Estate 房地产
Health Care 医疗健康
Auto Services 汽车
Culture, Sport & Entertainment
文体娱乐 Tourism 旅游
Others 其他
Focusing on financial assets and healthcare, aligned with Ping An’s strategy and core
businesses, with the biggest market opportunity and greatest growth potential
聚焦与主业以及与战略目标关联度最高、市场规模最大、成长性最好的大金融资产及大医疗健康两大产业
Technology
科技
Financial Services
Ecosystem
金融服务生态圈
Health Care Services
Ecosystem
医疗健康生态圈
Auto Services
Ecosystem
汽车服务生态圈
Real Estate
Finance
Ecosystem
房产金融生态圈
Assets
资产 Business Model
业务模式 Funds
资金
Individuals
个人
Financial institutions
金融机构
Other institutions
其他机构
Individuals
个人
Financial institutions
金融机构
Other institutions
其他机构
1.0: Proprietary model Heavy/ Semi-light/
light capital
自营模式 重 / 半轻 / 轻资本
2.0: Open marketplace
开放市场
3.0: Open platform + open marketplace
开放平台+开放市场
OneConnect
Lufax Traditional Banking - Asset heavy
传统银行 – 重资产
Building FinTech enabled
business models
建立金融科技驱动的业务模式
Lufax Holdings: the largest online financial assets platform
陆金所控股：最大的线上金融资产平台
12
5.7+ trillion
Transaction amount
交易额
28 million
Registered users
注册用户
420 billion
AUM
资产管理规模
Transactions (primary / secondary market)
交易 (一级市场 / 二级市场)
Information 信息发布
Online Market 在线市场
Flow Entrance 导流
Puhui Outlets 普惠门店
Borrower Information
借款人信息
Product Information
产品信息
Institutional investors
机构投资者
Individual investors
个人投资者
Wide variety of products
丰富的产品类别
Risk Control 风控
Institutions 机构
3rd party asset
supplier
第三方 资产供应方
Efficient and low-cost
financing
高效低成本融资
Risk Control 风控
Chongqing Financial Assets Exchange – a regional financial management platform for local governments
重庆金融资产交易所 - 地方政府投融资及资产负债管理平台
Public asset liabilities
management
platform
公共资产负债
管理智能云平台
China’s first public asset liabilities management cloud platform has been launched in Nanning
中国首个“公共资产负债管理智能云平台” 已在南宁正式上线运行
• 1 public assets liabilities management platform
一套公共资产负债管理系统
• 1 financial map
一张财政地图
• 1 assets liabilities report
一份资产负债报告
• 200+ Small and Medium-sized Banks in our platform, covering more than 70% market size
• Serving ~2000 non-banking institutions, and expecting to expand into other financial industries and overseas markets
OneConnect
金融壹账通
China’s largest financial technology intelligence service open platform
中国最大的开放式金融科技智能云平台
合作银行超过200家，占中小银行市场的70%
合作非银金融机构~2000 家，将持续拓展其他金融行业以及海外市场客户
Credit 信贷
Financial OneConnect
金融壹账通
Bank OneConnect
银行壹账通
Small and Medium-sized Banks
中小银行
Financial OneConnect
Funds 基金
Trust 信托
Bank OneConnect
银行
Insurance 保险
Securities 证券
Private Equity
私募
Others 其他
Retail APP
零售APP
Trade Platform
同业平台
Bank core business system
银行核心业务系统
HZB
Bank of SH
……
BOIM
Taizhou Bank
Bank OneConnect
BOG
F2C Platform F2C零售平台
SME Platform
中小企业平台
F2B Platform F2B中小企业平台
F2C Platform F2C同业平台
OneConnect “3+1” Business Models
金融壹账通“3+1”业务
F2C: the largest retail internet O2O service platform
F2C: 最大的零售互联网O2O服务平台
F2B: the most advanced SME financing service platform
F2B: 最先进的中小微企业
融资服务平台
F2F: the largest asset trading service platform
F2F: 最大的资产交易服务平台
Open financial technology cloud service platform
开放式的金融科技云服务平台
3大业务平台
3 business platforms
1个开放平台
1 open API platform
• Deposit 存款
• Wealth Management 理财 • Life 生活
• Loan 贷款
• Payment 支付
• Enterprise 企业
• Banks 银行
• Banks 银行
• Non-banks 非银 • Brokerage/market maker
撮合做市
• 3 space cabins (APP self-service cabin, big data application cabin and intelligent corporate application cabin) to help institutions access FinTech services efficiently and conveniently
三大空间舱（APP自助舱、大数据应用舱、智能企业应用舱）帮助机构高效、自助、便捷接入金融科技服务
Ping An FinCloud
平安金融云
Qianhai Credit
前海征信
Group Customers 集团客户
China’s largest personal big data credit service platform
中国最大的个人大数据征信服务平台
Wide data scope & scale
数据采集范围广、规模大
World-leading credit technologies & models
征信技术、模型国际领先
20,000+ User portrait dimensions
个人画像维度
300+ 3rd-party data sources
第三方数据源
2200+ Partnered institutions
合作机构
385 million+ 2017 YTD enquiries
2017年初至今查询量 (2x YOY)
65%+ Chinese population covered
中国人口覆盖率
100 million Customers
客户
Qianhai Credit
前海征信
Technology
科技
Financial Services
Ecosystem
金融服务生态圈
Health Care Services
Ecosystem
医疗健康生态圈
Auto Services
Ecosystem
汽车服务生态圈
Real Estate
Finance
Ecosystem
房产金融生态圈
Patient
患者
Provider
提供商
Payment
支付方
Clinics诊所
Physicians医生
Pharmacies药店
Hospitals医院
Information Platform: Ping An Health Cloud
信息平台：平安健康云
Checkup centers 体检中心 Offline
Referral
线下推荐 Other Medical Institutions
其他医疗机构
Social Health Insurance Platform
医保平台
Ping An Social Health Insurance社保
Private Issuers 商保
Ping An Health健康险 Ping An Life寿险
Ping Annuity养老险
Medical expense
control,
Higher service
eff iciency,
Smart mobile services
医疗费用控制，更高的服务效率，更智能的移动服务
Stronger product
Competitiveness
更强产品竞争力
Customer referral
客户推荐
Health Service Chain 健康服务链
Ping An Wanjia Clinic 平安万家医疗
Health Management Platform 健康管理平台
Ping An Good Doctor 平安好医生
Customer
referral
客户推荐
Product innovation
risk management
产品创新风险管理
Data
Accumulation
数据积累
Precision
Service
精准服务
Data
Accumulation
数据积累
Clinical
Support
临床支持
Data
Accumulation
数据积累
Actuarial pricing,
product innovation, risk
screening, precision service
精算定价，产品创新，风险筛选，精准服务
Online
Referral
线上推荐
Expanding in 220+ cities
Serving 650million+ citizens
累计推广超220城
累计服务人口6.5亿
Xiamen – highly recognized by governments and people of all circles
厦门试点 – 政府高度认可、各界广泛好评
CIRC President inspection
保监会主席项俊波视察
Satisfaction
满意度
Violation
违规案件
Cost
成本
+ -59% -10% (~RMB100 billion)
Medicare Management
医保管理
Industry-leading platform to reduce government spending and improve services & risk control capabilities
行业领先的智慧医保管理服务平台，帮助政府降低医保支出、提升服务及风控水平
5. City comprehensive services城市综合服务
1. 4A Social Services 打造4A人社服务
3. Multi-layer security system多层次保障 4. Public health management公共健康管理
2. Brandnew medical experience全新就医体验
• Social insurance mobile payment 社保移动支付 • Insurance and housing fund enquiry 五险一金查询
• Survival benefit withdrawal 生存金领取 • Seeing doctor in other cities 异地就医服务
• E-health profile 电子健康档案 • Hierarchical medical service 分级诊疗
• Family doctor 家庭医生 • Intelligent diagnosis 智能诊间服务
• Health plan 健康计划 • chronic disease management 慢病管理
• Disease forecasting 疾病预测 • Health big data platform 健康大数据平台
• Government affairs 政务办理 • Public services 公共服务
• Life services 生活服务
City OneAccount
城市一账通
Connecting Social Insurance + Medicare + Commercial Insurance 打通社保、医保、商保，打造“一卡一机一账户” 全新民生服务新生态
City OneConnect
城市一账通
City Service 城市服务
• Critical illness insurance service 大病保险服务 • Long-term care insurance service 长期护理保险服务
• Special medicine insurance service 特药保险服务 • Chronic disease insurance service 慢病保险服务
Online traffic entrance
线上流量入口
Offline health care service network
线下医疗健康服务网络
Health counseling services
提供健康咨询服务
Offline health care services
提供线下医疗服务
Online Health Care Service Platform
线上医疗健康服务平台
Offline Health Care Service Platform
线下医疗健康服务平台
O2O One Stop
……
Network of
Doctors
医生网络
Individual & Corporate
clients
个人及企业客户
• 1000 online full-time doctors, 60K+ part-time doctors, ~5000 hospitals
• 150million registered users, 430K+ daily peak queries
Ping An Good Doctor
平安好医生
China’s No.1 online medical care portal
中国最大的互联网医疗健康管理平台
1000名线上专职医生、超6万名兼职医生队伍，与近5000家医院合作
注册用户超1.5亿，日均咨询量峰值超43万
Women and children
clinic
妇儿诊所
• Connecting 50K+ clinics in 29 provinces & cities
• Expecting to cover 30%-40% clinics in China, with 300K clinics connected
Primary medical institution trusteeship基层医疗机构托管
Dental Clinic
齿科诊所 TCM Clinic
中医诊所 GP Clinic
全科诊所
Medical Organization
医疗机构
Customers
客户
Customers
Branding
增加客流
树立品牌
Health Care 医疗健康
Health Plan 卫计
Medicare 医保
Corporate 企业
Provide medical network
提供医疗网络服务
Cost
Management
管理控费
Service
提升服务
Healthcare Service
医疗健康服务 Settlement service
支付结算服务
Service
Cost-saving
提升水平
降低成本
Wan Jia Clinic
平安万家医疗
Payers
支付方
Community health service
centers
社区卫生服务中心
Medical special centers
专科中心
Commercial Insurance
商保
Medical service network setup 医疗服务网络共建
Wan Jia Clinics
平安万家医疗
China’s largest standardized community clinics management platform
中国最大的社区诊所标准化管理平台
加盟诊所超5万家，覆盖全国29个省市
预计明后年将超过30万家，占全国诊所30-40%
Medical network cost control 医疗网络费用管控
Technology
科技
Financial Services
Ecosystem
金融服务生态圈
Health Care Services
Ecosystem
医疗健康生态圈
Auto Services
Ecosystem
汽车服务生态圈
Real Estate
Finance
Ecosystem
房产金融生态圈
Customers
车相关客户
Services
服务
Providers
平台
• Large number of auto related finance customers and internet users, including 20+mn Autohome DAU, 30+mn auto insurance customers and 20+mn car owners on Good Car Driver App
覆盖大量车相关金融客户+互联网用户，包括汽车之家2,000+万日独立访问用户、3,000+万车险客户以及好车主2,000+万绑车用户
• 4 platforms with wide coverage in auto service providers, including most OEMs and 4S stores, as well as leading used car dealers and garages
4大平台广泛覆盖B端服务提供商，包括中国绝大多数的的整车厂和4S店，以及领先二手车商户及的汽车修理厂
Auto Service Ecosystem
汽车服务生态圈
Autohome: China’s largest auto info
and online trading platform
汽车之家：全国最大的汽车资讯和在线交易平台
Ping An P&C + Good Car Driver
App: Most specialized one-stop
services of vehicle, repair and
maintenance
平安产险+好车主App：提供最专业的用车、修理、养护全方位服务
Finance
车金融
Trading
车交易
Life service
车生活
• New car trading 新车交易
• Used car trading 二手车交易
• Repair 修车
• Maintenance 保养
• Compensation 理赔
• Components 零配件
• New car loans 新车贷款
• Used car loans 二手车贷款
• Dealers’ loans 车商贷
• Auto insurance 车险
Authorized auto dealer platform
汽车经销商平台
Non-authorized dealer platform
新车二网平台
Used car trading platform
二手车交易平台
Auto component trading platform
汽车零配件平台
Technology
科技
Financial Services
Ecosystem
金融服务生态圈
Health Care Services
Ecosystem
医疗健康生态圈
Auto Services
Ecosystem
汽车服务生态圈
Real Estate
Finance
Ecosystem
房产金融生态圈
Real Estate Finance Ecosystem
房产金融生态圈
Developers 开发商
Owner 业主
Buyer 买家
Real Estate Chain 房行
Housing information,
transaction & service
好房信息、交易和平台服务
• New house 新房
• Second-hand house 二手房
• House renting 租房
• Mortgage 房贷
Real estate financial platform
房产服务金融平台
• Mortgage application
按揭申请
• Real estate transaction
房产交易
Technology powers everything that we do
科技驱动我们在各大生态圈的创新
Ericson Chan
Head of Ping An Technology
02
Technology powers everything that we do
科技驱动我们在各大生态圈的创新
Financial Services
Ecosystem
金融服务生态圈
Health Care Services
Ecosystem
医疗健康生态圈
Auto Services
Ecosystem
汽车服务生态圈
Real Estate Finance
Ecosystem
房产金融生态圈
Key Drivers
核心驱动要素
Scenario
场景
Data
数据
Speed
速度 AI
人工智能
Scenario
场景
Insurance 保险
Banking 银行
Asset Management
资产管理
World-leading personal financial services provider 国际领先的个人金融生活服务提供商
Pan Health Care
大医疗健康
Pan Financial Assets
大金融资产
Internet + Finance / Life
互联网 + 金融 / 生活
Integrated Finance + Internet
综合金融 + 互联网
Financial Services
Ecosystem
金融服务 生态圈
Health Care Services
Ecosystem
医疗健康 生态圈
Auto Services
Ecosystem
汽车服务 生态圈
Real Estate Finance
Ecosystem
房产金融 生态圈
A technology company with FULL financial services licenses
拥有全金融牌照的科技公司
Services to Sales
服务到销售
2.21
Contracts / customer
客均合同数
（+8.9% YoY）
69%
% of financial
customers
金融客户占比
55%
% of car insurance
customers
车险用户占比
270%
Online users / customers
互联网用户数 / 客户数
Case study: Good Car Driver App
案例：平安好车主APP
38 million
Users
用户数
Renyimen
任意门
A Unique experience across multiple APPs to
introduce new services and products across the Group
横跨集团各APP间、连接服务与产品的独特通道
Master Account
主账户
An integrated customer master account platform
一站式客户主账户服务平台
100+ million
Accumulated customer migration across the Group
集团内累计迁徙次数
44+ million
Number of accounts
账户量
1.3+ trillion
Annual transaction amount
年交易量
Technology transforming the business from front to back
用技术变革从前端至后端的主要业务
Acquisition
获客
Service
服务
Marketing
市场营销
Product
产品
Risk Control
风控
Management
管理
Data
数据
Multi channels
-Renyimen
多渠道 –
任意门
NPS real time
monitoring
净推荐值实时监控
Intelligent
engine
recommendation
智能推荐引擎
Customization
定制
Credit scoring
Risk pricing
Dynamic
Monitoring
信用分数
风险定价
自动监控
Visual risk
monitoring
视觉化风险监控
Data analytics
数据分析
One-stop
mobile
services
portal
provided
一站式移动服务接口
Recommendati
on engine
across >1K
products and
services
覆盖一千多种产品及服务的推荐引擎
Precision
targeting and
pricing through
decision models
基于决策模型的精准营销及定价
70% of financial
services
production
systems on
cloud
70%的金融服务生产系统入云
>99.8% face
recognition
accuracy*
Multi biometrics
detection
>99.8%的人脸识别准确率
多生物识别技术检测
Covering 90%+
customer
interactions and
>1.1K touch
points
覆盖90%以上客户交互及1100多个接触点
5% reduction in
payment ratio1
1% increase in
property
insurance
premium
赔付率降低5%，
财产险保费增加1%
* Labeled Faces in the Wild (LFW). LFW测试集
Data
数据
The largest big data platform among Chinese financial institutions
拥有中国金融机构中最大规模的大数据平台
Data Scale
数据规模
Data Fields
数据项
basic inf ormation
基本信息
education, f amily , careers
教育、家庭、职业
inv estment, consumption, health
投资、消费、健康
8.5PB
Size of big data platform 大数据平台规模
500+
Big data scientists 大数据科学家
20,000+
Data fields / customer 用户数据项
Speed
速度
Ping An FinCloud - The largest cloud platform in financial industry
平安金融云 - 金融行业最大规模云平台
70%+
Core business systems
deployed 核心业务系统入云
72
Partner Financial Institutions
合作金融机构
150 seconds
Deployment
配置
80
Patents applied
申请专利数
Ping An FinCloud
平安金融云
Computing
计算
Storage
存储
Network
网络
Security
安全
Products/Systems Refresh
产品/系统更新
59%
in 14 days
14天内
89%
in 30 days
30天内
2.5x
Speed of automated
SDLC
自动化软件开发生命周期速度
Speed
速度
Cloud
云
Digital O2O
AI
Perception
认知
Prediction
预测
Prescription
决策
60+ specific technologies…
60多种技术
• Vision视觉
• Voice语音
• NLP自然语言处理
• Knowledge Graph知识图谱
• Relationship 关联
• Sentiment 感受
• Behavior 行为
• Recommendation 推荐
• Authentication 鉴别
• Assistance 辅助
• Advisory 建议
• Investment 投资
• Service 服务
20,000+
R&D staff
研发人员
7+ billion (1%)
Invested in R&D / year
每年研发投入
（前一年收入的1%）
19%
Master & PhD staff
硕博员工比例
Unique among financial institutions
在金融机构中独树一帜
* As of end of June 2017. 截止2017年6月底.
1,458*
Patents applied - #1 among all Chinese
financial institutions
申请专利数
（中国金融机构中专利申请量第一名）
Artificial Intelligence
人工智能
World-class Perception AI Technologies – Face Recognition
世界领先的智能认知技术 – 人脸识别
* Labeled Faces in the Wild (LFW). LFW测试集
99.8%*
Accuracy rate
准确率
300+million
Usage
调用次数
30,000
Faces processed / min (peak)
每分钟处理人脸数（峰值）
Pu Hui iLoan online application
iLoan线上贷款
1000X
Efficiency
improvement
效率提升
3 minutes
Online identity verification
线上核身
50K
Volume / day
日业务量
• Real face recognition
活体人脸识别 • Used in 200+ scenarios in financial
services, transportation, residential
and government services
200多个应用场景，涵盖金融服务、交通、住宿及政府服务等
• Significantly improving customer
experience while saving human
costs and enhancing internal
productivity
极大改善客户体验，节省人力并提升业务效率
World-class Perception AI Technologies – Voiceprint Recognition
世界领先的智能认知技术 – 声纹识别
30+mn
Telephone data
training sample
模型训练数据集
95%
Accuracy rate
准确率
10s
Recognition
识别
18s
Registration
注册
Voiceprint Recognition
pilot used by Lufax, P&C
声纹识别开始在陆金所、产险等场景试点应用
a) Pick up the effective voiceprint by separate vocal track. 利用双声道分离技术提取客户有效语音
b) Extract and structure feature vectors of speech. 语音特征提取及比对
c) Determine the identity of the speaker. 通过声纹相似性比对进行身份判定
Raw 原始声纹
Processed 处理后声纹
live detection 活体检测
• Further application: emotion recognition 未来可能的其他应用：情绪识别
Prediction AI Technologies - Disease Forecasting for Chongqing
预测AI技术 – 以重庆为试点进行疾病预测
Pilot initiative with Chongqing government to predict the spread of epidemic diseases, leveraging both big data and AI
technologies for intelligent prediction
平安正在以重庆为试点，借助大数据和人工智能技术，帮助当地政府预测疾病疫情
Risk forewarning
风险预警
Risk map
风险地图
Trends prediction
趋势预测
Expert suggestions
专家建议
流感预报信息
Flu Forecasting
未来三天市内流感指数预报：Ⅲ级，较易发生
Prescription AI Technologies - Computer Vision for Vehicle Damage Assessment
决策AI技术 – 基于计算机视觉的车辆定损
The world’s first computer vision-based intelligent claims at scale
全球首家大规模落地基于计算机视觉的图像智能理赔公司
14
Detailed vehicle parts
segmentation supported 外观部位件的分割
4
Damage levels
(intact, spray painting, repair, change) 损失程度的判定
（完好、喷漆、修复、更换）
License No.: 鲁LAR000 VIN No.: LVJW000000000000
车牌：鲁LAR000 VIN码：LVJW000000000000
License number and VIN number recognition on driving license
行驶证OCR识别车牌，VIN码
Auto Type: BMW 5 series License plate: 鲁LAR000
车型：华晨宝马5系 车牌：鲁LAR000
License plate and automobile type recognition
图像识别车型和车牌
Damaged part: left-front door Damage level: spray painting
Compensation: 800
损伤部位：左前车门 损伤程度：喷漆
赔付金额：800
Damage parts and damage level recognition
部位识别和损伤程度识别
4000x
Time saved in
damage assessment 定损提速
Core Foundation Platform
核心基础平台
Artificial Intelligence
人工智能 Intelligent
Perception
智能认知
Ping An FinCloud
平安金融云
Computing
计算
Storage
存储
Network
网络
Security
安全
Big Data Platform
大数据平台
Data Collection &
Storage
数据收集及存储
Data Integration
数据整合
Insights
知识发现
Decision-making
智慧决策
Blockchain
区块链
Blockchain as a Service
区块链服务
Core platforms
核心平台
Machine Learning
机器学习
Deep Learning
深度学习
Algorithm
算法
Intelligent
Prediction
智能预测
Intelligent
Prescription
智能决策
Vision
视觉
Voice
语音
Human
Psychology
人类心理
NLP
自然语言处理
Relationship
关联
Sentiment
感受
Behavior
行为
Recommendation
推荐
Authentication
鉴别
Assistance
辅助
Advisory
建议
Service
服务
Investment
投资
Deep dives – AI, Cloud, Blockchain
深度介绍 – 人工智能、云及区块链
Ricky Ou
Chief Product Officer of Ping An Technology
03
PA AI Cognition
平安AI认知
PA Cloud Platform
平安云平台
PA Blockchain
平安区块链
World-class deep-learning based face recognition technology
平安基于深度学习的人脸识别技术处世界一流行列
Deep learning algorithm is used to realize intelligent recognition
深度学习算法，实现智能识别
Imitation of human cognition
模拟人类认识过程
• Deep learning of large amount of data, high-accuracy model , application
to complex environment
大规模数据的深度学习，训练高精度识别模型，适用复杂环境
• Hundreds of millions of users in commercial scenarios, Stable usability
商用场景亿级人脸数据考验下，保持稳定的可用性
Recognized by domestic and overseas professional institutions
平安脸谱获得国内外人脸识别专业机构的支持和认可
99.8%LFW成绩世界一流 99.84%公安三所权威认证检测
人脸识别企业标准制定中
公安 “人脸资源库 ” 共建探索中
3rd RI is a scientific research institute directly governed by the Ministry of the Public Security. It mainly studies information network security, IOT, image processing and transfer, social
public security prevention technology, etc.
公安三所是公安部直属科研单位。主要研究领域包括信息网络安全、物联网、图像处理和传输以及社会公共安全防范技术等。
PingAn AI
Lab
YouTu Lab
Tencent Orion Star Face++
Yuntu
WiseSight
0.9980 0.9980 0.9965 0.9950 0.9943
• 99.8% accuracy rate by LFW (#1 globally in May 2017)
• 2017年5月LFW测评成绩99.8%，当时的世界第一
• Beating Google, Baidu, Tsinghua University AI Lab, Dahua
Tech, Face++, etc.
• 打败谷歌、百度、清华AI实验室、大华、Face++等对手
LFW result ranking 99.8% 3rd RI's authoritative verification - 99.84%
• Preparing face recognition standards for companies
• Exploring the establishment of a "face database" with the Public Security
Widely applied to a variety of financial and life scenarios
平安脸谱应用广泛，覆盖金融及生活多种场景
Investment
投
Consum-ption
消
Saving
存
Loan
贷
Insurance
保
Medical care
医
Food
食
House
住
Travel
行
Entertainment
玩
Comprehensive
综合
Remote account
opening远程开户
Large consumption
大额消费
VIP Authentication
VIP认证
Warranty
保单服务
Get Loan through Face
刷脸贷款
Product purchase
产品申购 Wallet
社保钱包
Medical treatment
就医导流
Healthy Recipe
健康食谱
Face Payment
刷脸吃饭
House recognition
房源识别
Automobile recognition
车辆识别
Flow recognition
车/人流识别
Appearance recognition
外貌辨识
Checking attendance
考勤
Customs
海关出入境
Account Login
账户登录
Remote social
security
社保远程领取 F
ina
nce
金融
Life
生活
Already applied Category Under plan
300+ million
Usage
调用次数
200+
Financial and life scenarios
金融及生活应用场景
100+ million
User faces database
用户人脸数据
Face recognition: tested by face data about
hundreds of millions of users in commercial scenarios
人脸识别：通过商用场景亿级人脸数据考验
Voiceprint recognition: supporting testing and
verification by 1v1, 1vN, and multiple channels
声纹识别：支持1V1，1VN，多信道验证与鉴别
High Accuracy 高精度
Multi-scenario 多场景
Massive data
海量数据
3 distinctive Advantages
3大独有优势
High Accuracy: above 99.8%
精确度：99.8%以上
Rich scenarios
丰富的落地场景
Massive data
海量数据 Multiple types
多类型声纹识别
Massive data
海量数据
All-round technical support
全方位技术支持
Industry-leading
technology
业界领先技术水平
Good user
Experience
用户体验佳
Advanced
Technology
技术领先
All-round technical
Support
全方位技术支持
Safety
Guaranteed
安全保障
Equipped with data about of 100,000,000 users
亿级数据支持
Besides experienced face recognition, PA also has competitive voiceprint recognition technology
除了在人脸识别上久经考验、领先业界，平安声纹识别技术也具有突出优势
How does AI Cognition make value
AI认知如何创造价值
Identification
身份确认 1
Tracking
轨迹 2 Decision
决定 3
Voiceprint recogniton
声纹识别
Face recognition
人脸识别
Airport
机场
Company
公司
Social insurance
社保
Payment
支付
Loan
贷款
Robo-advisor
智能投顾
Place have been
去过哪里
Home location
家庭住址
Work place
上班地点
Eatting habit
饮食习惯
Health condition
健康水平
Things bought
买过什么
Credit
信用状况
Occupational
Personality
职业性格
身份确认成功 Identification successfully
49
Face Recognition supporting sustainable development of Ping An : increasing user experience and efficiency
greatly which also achieving rapid business growth
人脸识别助力平安集团发展 : 极大改善客户体验，提升业务效率，使得业务量取得极大增长
P&C
寿险
Puhui
普惠
Lufax
陆金所
Bank
银行
100X
Online attendance
Efficiency
improvement
线上考勤效率提升约100倍*
2 hours -> 1 min
Acknowledgement of Insurance
efficiency
improvement
出单效率提升
5 mins -> 2s
Online identity
verification
线上核身
10k -> 50k
Volume / day
日业务量
24 hours -> 3 min
Online identity verification
线上核身
5 mins -> 1 min
Account binding efficiency
improvement
账户绑定效率提升
20-30 mins -> 5 mins
Remote visa review
efficiency improvement
远程面签效率提升
NO security question
无需填写密保问题
80 Scenarios in 17 subsidiaries
在平安集团17个专业公司有80个应用场景
*：每个职场5台考勤机，每台最快每秒过1人，则1秒过5人；手机E考勤线上刷脸1秒支持500人
Each w orkplace has 5 attendance machines, 1 person can pass at each second fastest , so 1 second can pass 5 persons; Mobile E attendance online support 500 persons per second
Shenzhen Airport
深圳机场
1:1 check to ensure surviving and can receiving pensions
刷脸1:1比对，确认存活，领取养老金
Officially launched on May11.
5月11日已正式上线
Verification for 5000 retirees to receive
pensions at home every month 每月为近5000+退休老人提供足不出户养老
金认证领取
Shenzhen Housing Management Bureau
深圳房管局
Shenzhen Social Insurance
深圳社保
1:N comparison , VIP recognition in airport halls, covering the whole airport
机场大厅1:N安防比对、VIP识别，覆盖100%机场区域
Pilot launched already, daily usage 280K times
目前已上线试点，日均调用比对接口28万次
Self-service will cover all the 72 boarding
gates, realizing smart security checks . 自助登机口人票比对，将覆盖全部72个登机
口，实现机场智能化安检流程
1:1 check , via face swiping and Self-service printing out property information
刷脸1:1比对身份证信息，自助打印房产信息
Covering 3/9 points in the city, and to be fully
launched at the end of Sep. 全市9个点已经覆盖3个点，9月底全部上线
Business volume increasing by 500%, time reducing from 2.5min to 20s
业务量提升提升500% ，耗时从2.5分钟减至20秒
External business scenarios: Airports, Housing Management Bureau, and Social Insurance, with safety, efficiency
and conveniences
外部业务场景：机场、房管局、社保等场景，安全高效，是便民的创举
PA + Vehicle: Using AI technology to recognize and control risk，ensuring safety of human and car. It’s an total
innovate of auto industry
平安+汽车：AI技术帮助识别和控制风险，保障人与车的安全，颠覆传统车行业
反欺诈 anti-fraud
人脸识别 face-recognition
大数据征信 big data credit
车辆运营数据分析 Vehicle operation data
analysis
车辆远程锁 Vehicle
remote lock
人·风险识别
People·risk identification
车·风险控制
Car·risk identification
夜间/雨雪/
危险道路主动安全控制 Active safety control
自动识别疲劳驾驶 fatigue driving auto-
identification
PA AI Cognition
平安AI认知
PA Cloud Platform
平安云平台
PA Blockchain
平安区块链
PA Cloud Platform is the largest in finance, equipped with 6 leading advantages
平安云是金融业界最大规模云平台，具备六大优势
Strong service capabilities offered by
platform
强大的平台服务能力
Homegrown core technologies
自主掌握核心技术
Largest scale in China
国内最大规模
Professional licenses
专业的牌照
Leading experts
领先的专家团队
Compliance, security, reliability
合规、安全、可靠
Positioning:
internet+
定位：互联网+
North IDC
北方互联网数据中心
Positioning: traditional
finance DR
定位：传统金融DR
Positioning: traditional
finance
定位：传统金融
• Shenzhen Local DR
Center
• 深圳同城灾备中心
Shanghai
上海 Backbone
internet
骨干网络
Beijing
北京
Shenzhen 深圳
Meet international highest tier-4 design and development standard
满足国际最高Tier4等级的设计和建造标准
Approved by PBOC, CIRC, CBRC, CSRC
通过“一行三会”认可 Usability >99.99%
可用率>99.99%
Highest financial security
最高的金融安全级别
Traditional finance: 3 centers in 2 areas
传统金融：两地三中心 Internet: multiple centers across
areas
互联网：异地多中心 "Double active in different areas"
for application systems
应用系统实现“异地双活”部署 Connected to business systems
of a dozen of PAG subsidiaries 已接入集团内数十家公司
Integration of traditional
finance and internet
融合传统金融与互联网
• Shenzhen Production
Center
• 深圳生产中心
Shanghai IDC
上海互联网数据中心
Shanghai Non-local
DR Center
上海异地灾备中心
"Multiple centers in multiple cities" provides production, development, test and disaster recovery
“多地多中心”布局，为传统金融、互联网金融系统提供生产、开发、测试和灾备环境
Positioning:
internet+
定位：互联网+
Positioning: traditional
finance LDR
定位：传统金融LDR
Provide feasible industry cloud solutions according different scenarios
从用户场景出发，提供可行的行业云解决方案
Insurance cloud
保险云
Securities cloud
证券云
Banking cloud
银行云
Business scenario 业务场景 • Business IDC connection业
务全托+自有IDC接入
• Satisfy peak load
requirements; "Nov 11" and "Dec 12" sale业务爆发式增长时业务需求;“双十一”“双十二”促销
• Realize security precaution
and governance实现安全防范与治理
Business scenario 业务场景 • Third-party trading system
connection第三方的交易系统对接
• Support high frequency trading支持高频交易
……
Business scenario 业务场景 • Fast internet direct-selling
banking business快速开辟互联网直销银行业务
• Bank, fund, securities, third-party payment and other
"main account" data
sharing实现银行、基金、证券、第三方支付等“主账户”数据共享
Medical cloud
医疗云
Business scenario 业务场景 • Medical TOA医疗一账通
• Image data management海量影像数据管理
Customer return 客户收益 • Fast business launch业务快
速上线
• Flexible expansion弹性扩容
• Low er cost and raise profit降低成本，提高盈利
• Low er security risks降低安全风险
Customer return 客户收益 • Use PAS portals for
securities house
qualif ication
• 调用平安证券接口，获得券商资质
Customer return 客户收益 • Satisfy CBRC's compliance
requirements满足银监会合规要求
• Multi-business interconnectivity多业务互通
Customer return 客户收益 • High usability高可用
• Low er cost降低成本
• Low er security risks降低安全风险
Fund cloud
基金云
Business scenario 业务场景 • Private placement fund
quantitative asset
management platform私募基金量化资管平台
……
Customer return 客户收益 • Financial license,
compliance 金融牌照、金融合规
• fast customer acquisition in batch 快速批量获客
Park cloud
园区云
Business scenario 业务场景 • Hundreds of tenants separated
上百家多租户隔离
• Third-party independent
operation, data separation and data governance for the Park园
区第三方独立运营、数据隔离与数据治理
Customer return 客户收益 • Multi-park ecosystem forms
upstream and dow nstream in the
industrial chain多园区生态形成产业链上下游
• Real estate profit model innovation
地产盈利模式领先改革
Responsible for Pingan trillion scale core business and gain market’s trust
承载万亿级集团核心业务，并获得外部市场的青睐
Signed a number of external customers, covering financial, medical
and other fields
已签约多家集团外部客户，覆盖金融、医疗等多个领域
Ping An
Wanjia Clinic
万家诊所
20000+Clinics
诊所
Financial
OneConnect
金融壹账通
10000+
Interbank scale
同业交易规模
City
OneAccount
城市一账通
Social Health
Insurance OneConnect
医保一账通
2000+Hospitals
医院
Bank
OneConnect
银行一账通
20+Banks
银行
200+Cities
城市
online finance
互联网金融
3亿+Users
用户
Ping An Trillion scale core business
万亿级集团核心业务
PA AI Cognition
平安AI认知
PA Cloud Platform
平安云平台
PA Blockchain
平安区块链
PA Block Chain - 12 scenarios in finance & healthcare
平安区块链的12个金融医疗场景
Finance
Business
Scenarios
Membership Points
Inter-bank Trading
Bill Notes
Supply Chain Financing
Reconciliation
Cross-border/Inter-bank Payment
同业资产交易
票据
供应链金融
银行间清结算
跨境支付
积分
Credit Passport
Mortgage
Record of Insurance Accidents
Electronic Prescription
Crowd-funding
P2P
众筹
电子处方
抵押贷款
出险记录
征信
PA Inter-bank Trading Platform
平安同业银行交易平台
155 banks RMB300billion trading volume in less than 3 months*
不足3个月 155家银行 3000亿人民币交易金额
Process
Pain Points
Technology
Advantage of Block
chain
Transaction
Initiated
Pre Transaction
Verification
Transaction
Approval
Contract
Signing
Transaction
Processing
Accounting
Processing
Transaction
completion
• Manually • Manually
人工处理
• Opaque with fraud scam
不透明欺诈
• Multi parties intervention
多方介入
• High cost
with paper
contract
• Transaction delay
交易慢
• System error / incompatibility
• Manually
系统错误 / 不兼容人工处理不
• Smart
Contract
智能合同
• Automatic
trigger
自动触发
• Real time
• No 3rd part
• Trust Info.
• Anti fraud
• Paperless
• Smart
Contract
• Real time Info. Synchronization
实时信息同步
• No need for accounting process
无需审计流程
• Transaction
record
• permanent
and un-
tampered
• Centric info
recording
can be
tampered
人工处理
发起交易 交易前验证 交易审批通过 签订合同 交易进行中 审计处理 交易完成
纸质合同高成本 信息可被篡
实时
无第三方介入
信息公正可信
反欺诈
无纸电子化 交易记录不可篡改
智能合同
*Cumulative transaction amount：RMB1.3 trillion 累计交易量13000亿人民币
Real Time Reconciliation Platform
实时清结算平台
Unified Ledger • Multiple Parties
关联方多
• Long Trade Process
交易流程多
• Lack of info.
Synchronously
资金链路长
• Lots of Manual
Interactions
缺少信息同步
• All parties connect into Chain, and upload
trading information into a Unified Ledger
各关联方入链，上传交易信息至统一账本
• Monitor the whole trading process with Smart Contract to identify abnormal transaction
通过智能合约监控交易全流程及时发现异常
• Add Real Time Accounting Module to achieve T+0 reconciliation with the unified ledger
同时增加实时对账模块与统一账本进行实时对账
Node B
Node A
Node B
Node A
Node B
Node A
Fund Master Account
Bank
Biz
System
Real Time
Accounting
Biz
System
Real Time
Accounting
Biz
System
Real Time
Accounting
Supervision Platform
Operation Operation Operation
Adjust
/Refund
Adjust
/Refund Adjust
/Refund
Pain Points Solution
……
T+2 T+0
60
5 technical advantages of PA BAAS (Blockchain as a Service)
平安BAAS(Blockchain as a Service)平台的5大技术优势
Privacy
隐私
Security
安全 Performance
性能
Flexibility
灵活
Advanced privacy protection
先进的隐私保护方案
Complete data
security architecture
完整的数据安全架构
High-performance
underlying framework
高性能底层框架
Configuration with
multiple nodes
多种配置多种节点
Practical architecture
design
实用化的架构设计
Practicality
实用
1 2 3 4 5
5 advantages in applying Block chain to finance
面对几大区块链在金融领域需要解决的问题，平安BAAS有5大优势
