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取钱忘带卡?那就刷脸吧!

2017-09-13 12:46:24   中国经济网

用户正在使用ATM机上的刷脸取款功能。

贵阳目前仅2台自动刷脸取款机,年底前将在全省范围内推广。

本报记者 李盈 刘婷婷 摄影报道

去ATM机取钱忘了带卡?没关系,可以通过手机预约无卡取款。手机也没带?也别急,那就刷脸取款吧!

近日,在中国农业银行贵阳中南支行的两台ATM机上,已正式开通刷脸取款功能。据该行个人金融自助运营部经理张丹介绍,在这两台ATM机上,农行银行卡用户可通过面部识别,加身份证号码或手机号码,加卡交易密码的方式提取现金。每天每张卡通过刷脸方式提现限额为3000元。

“从这项功能8月30日正式上线到9月10日,刷脸交易笔数为320笔。今年年底前,我们将在全省范围内逐步推广ATM机刷脸取款服务。”张丹介绍。

体验:40秒即可完成刷脸取款

记者在农行贵阳中南支行的大厅看到,这两台新的ATM机看上去与一般的ATM机没什么区别,只是在操作界面上,多了一项“刷脸取款”选项。

刷脸取款的操作十分简单,首先,点击页面右侧的“刷脸取款”按钮;然后界面跳转到拍摄页面,将会出现取款人面部的实时画面,系统对画面进行自动抓拍。抓拍成功,界面自动跳转到身份核验页面。取款人需在该页面输入身份证号码或者手机号码。

核验通过后,界面上将显示取款人名下所有的农行卡卡号。取款人点击选择需要取款的卡号,然后输入取款金额。

最后,为了保障安全,再输入卡的交易密码,ATM机就会吐钞了。每张银行卡每天刷脸取款的限额为3000元。

一般情况下,整个刷脸取款过程大概在40秒左右,流程简单便于操作。需要提示的是,使用刷脸取款功能的前提是,用户在农行个人信息的完整性。如果信息不完整,需要携带身份证到柜台完善个人信息。同时,农行的刷脸服务,暂不支持存款、转账以及跨行取款。

原理:红外双目摄像头活体检测

张丹介绍,刷脸取款ATM机采用红外双目摄像头活体检测技术。“简单来说,就是通过现场抓拍的照片,与可信照片源进行对比。系统会采集两张照片面部的一些点,比如眉间距的数据进行对比。这些点的数据的相似度达到一定比例,就可通过刷脸验证。”她说,刷脸取款的照片源来自公安系统的数据库,也就是用户身份证上面的照片。“所以,如果身份证上的照片没有戴眼镜,刷脸取款时,也要摘下眼镜。”

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