题名

金融Chatbot安全控管程序之探討

并列篇名

A Study of the Security Control Procedure of Banking Chatbot

作者

賴森堂

关键词

Chatbot ； AI ； EC ； 安全控管程序 ； FinTech ； Chatbot ； AI ； CSCP ； Privacy ； Security

期刊名称

電腦稽核

卷期/出版年月

39期（2019 / 01 / 31）

页次

4 - 16

内容语文

繁體中文
中文摘要

AI再度興起，促使金融業務邁向智能化的金融科技(Fin Tech)，具備AI技術的Chatbot則是擴展金融業務的重要成員之一，美國許多銀行及發卡公司已於2017年開始推出或導入聊天機器人，協助金融機構業務推動，以提升服務品質及市場競爭力。不過，AI技術存在可能侵犯客戶資料與個人隱私的風險，使得安全性成為Chatbot必須重視的一項議題。為了提升Chatbot的安全性，本文剖析電子商務(EC)安全策略，並結合人工智慧(AI)安全原則，規劃一套Chatbot安全控管程序(Chatbot Security Control Procedure，CSCP)，透過規範擬訂、規範遵循、活動檢視及改善作業等四個階段，監控金融Chatbot的安全狀況及識別Chatbot的安全缺失，適時協助改善安全措施，具體保護客戶資料安全與個人隱私。
英文摘要

The rise of AI has prompted the financial business to enter the intelligent financial technology (FinTech). Chatbot with AI technologies is an important tool of extension business. Many banks and card-issuing companies in the United States have introduced or launched Chatbots from 2017 to assist the business promotion, and improve conveniences, service quality and market competitiveness. However, the AI based Chatbot may infringe on user privacy, which is a topic of concern. In order to monitor the security of banking Chatbot, this paper discusses EC security items and AI security limitations that affect banking Chatbot. Based on EC security strategy and AI security principles, the paper developed the Chatbot Security Control Procedure (CSCP). Monitoring Chatbot with CSCP can identify the security problems and defects of the banking Chatbot effectively. Banking Chatbot with high security precautions can reduce the user security risk. Using the CSCP to monitor the banking Chatbot activities can effectively protect the user data security and privacy.
主题分类 基礎與應用科學 > 資訊科學
参考文献
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