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刷脸取款上线!戴眼镜、“半边脸”也能一眼认出你

2017-09-20 08:02:25   中国青年网

中国农业银行辽宁省分行营业部刷脸取款ATM机在沈正式运营了。该ATM机无需用卡,无需手机,通过扫描用户脸部即可进行取款。昨天,沈阳晚报、沈报融媒记者体验发现,不需带银行卡,也不用手机验证,20秒便可直接取款成功。

体验:“刷脸”取款 感受就一个字“爽”

“哪台ATM机是‘刷脸’取款的?” “6号机器。”“真不用银行卡吗?”“确实不用。”

昨天,市民王先生走进农行辽宁省分行营业部的营业大厅,直接向导引员询问,当得到确切答案后,来到6号ATM机前首尝,点击刷脸取款、刷脸确认、输入电话号码、输入取钞金额,取钞,整个过程不到一分钟。

在现场记者看到,这台可以“刷脸取款”的ATM机与普通的ATM机并没有很大的不同,只是在屏幕上方多了一个人脸识别的感应器,选择刷脸取款的时候,只需要目视前方,ATM机即可识别取款人,随后系统提示输入身份证号或手机号,并输入取款金额、取款密码即可轻松实现取款操作。因为省去了插卡读卡等环节,整个取款操作实际上花费时间比常规取款更短。

便捷:刷脸无需提前录入面部信息

据了解,9月初,农行辽宁省分行营业部在沈阳共布放了3台具备刷脸取款的ATM机,3台机器分别安放在辽宁省分行营业部、北京街支行、中山支行,目前已正式投入使用,运行安全平稳。这种高科技的取款方式,不需带银行卡,也不用手机验证,20秒便可直接取款成功。

网点工作人员解释称,手机银行和刷脸取款相结合,可以实现大部分的日常现金使用需求,可以说,刷脸取款是一项跨时代的创新,极大地改善了自助服务体验,也将进一步改变人们的生活。目前,在一般情况下,持有中国农业银行储蓄卡的客户均可直接使用刷脸取款功能,而无需另行到农行网点进行录入面部信息等操作。机器识别系统特别智能,戴眼镜或用手捂住半边脸,系统也能认出你。

安全:照片、视频、面具?都不好使

据农业银行工作人员介绍,这种可刷脸取款的ATM机,使用的是一种先进的红外双目摄像头活体检测技术,能够完全抵御照片、换脸视频、翻拍、面具攻击。相比传统方式,刷脸取款更加安全,交易过程中不使用银行卡,银行卡被复制的风险将会大大减少,同时进行密码验证,可以说增加了一道安全的屏障。

多名尝试“刷脸取款”的顾客表示,刷脸取款最大的好处就是方便快捷,不用带银行卡,可以很方便地取到现金。据介绍,目前通过刷脸取款时,在ATM机上客户每天的取款限额为3000元。但记者发现,多数客户认为,一般日常的现金需求足够用了,而且现在手机银行这么方便,需要大额现金交易的就用手机银行转账,更加安全。

沈阳晚报、沈报融媒记者 梅天磬 摄影 常晟罡

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