Cyber-Physical Customer Management for Internet of Robotic Things-Enabled Banking

Abstract

In-person banking is still an important part of financial services around the world. Hybrid bank branches with service robots can improve efficiency and reduce operating costs. An efficient autonomous Know-Your-Customer (KYC) is required for hybrid banking. In this paper, an automated deep learning-based framework for interbank KYC in robot-based cyber-physical banking is proposed. A deep biometric architecture was used to model the customer’s KYC and anonymise the collected visual data to ensure the customer’s privacy. The symmetric-asymmetric encryption-decryption module in addition to the blockchain network was used for secure and decentralized transmission and validation of the biometric information. A high-capacity fragile watermarking algorithm based on the integer-to-integer discrete wavelet transform in combination with the Z <sub xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink">6</sub> and A <sub xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink">6</sub> lattice vector quantization for the secure transmission and storage of in-person banking documents is also proposed. The proposed framework was simulated and validated using a Pepper humanoid robot for the automated biometric-based collection of handwritten bank checks from customers adhering to COVID-19 pandemic safety guidelines. The biometric information of bank customers such as fingerprint and name is embedded as a watermark in the related bank documents using the proposed framework. The results show that the proposed security protection framework can embed more biometric data in bank documents in comparison with similar algorithms. Furthermore, the quality of the secured bank documents is 20% higher in comparison with other proposed algorithms. Also, the hierarchal visual information communication and storage module that anonymizes the identity of people in videos collected by robots can satisfy the privacy requirements of the banks. Overall, the proposed framework can provide a rapid, efficient, and cost-effective inter-bank solution for future in-person banking while adhering to the security requirements and banking regulations.