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取钱忘带卡?那就刷脸吧!

2017-09-13 13:06:26   中国经济网

同时,红外双目摄像头活体检测技术,能够通过红外线对活体进行识别,“如果有人拿着照片来冒刷,就一定通不过验证。”

张丹还说,开通刷脸取款的两台ATM机是利用旧机器改造的,只需在旧机器上面安装专业摄像头,再对机器系统进行升级就可完成改造。其硬件改造造价在3000元左右。“农行将在全省范围内推广这项服务,在年底前,全省九个市州都会有体验刷脸取款的网点。”

优势:不用带卡,更便捷更安全

农行贵阳中南支行的刷脸取款功能一上线,就在银行系统内部引起了关注。

“刚开通那几天,很多同事都来体验。”中南支行客户经理向丽介绍,很多人试过这项功能以后,都觉得很方便。不过,她也坦言,对于普通用户来讲,很多人是惯性思维,取钱的时候并没有发现机器上有了新的刷脸取款功能。

市民张藉予女士从其中一台ATM机上取了钱之后,在记者的提示下,才发现这台ATM机可以刷脸取款。

“真的可以刷脸吗?”她将信将疑重新通过刷脸取了100元。“这个功能好酷!”她一边感叹,一边给ATM机拍了照,“这个要发朋友圈。”她认为,刷脸取款很方便,带着一堆卡在身上,真的麻烦。卡丢了要挂失、要补卡,浪费时间和精力。她说,“刷脸就不用担心这个问题了。”

除了不用带卡,还提高了取钱的便捷性。在一定程度上,刷脸取款也比用卡片更安全。

张丹介绍,卡片有被复制的风险,“卡片一旦被复制,其他人就可利用卡片进行交易,可能给用户造成一定损失。使用刷脸取款,有效降低伪卡风险。”同时,在ATM机上取款,由于操作不当,卡片被吞的情况时有发生。“卡被吞了,用户就要等着工作人员来帮忙取卡,浪费用户时间,也耗费银行的人力物力,刷脸就可以完全避免吞卡的发生。”

疑问:整过容或无法通过验证

既然刷脸可以取款,那么问题来了,如果脸变了样怎么办?有网友调侃:“整容技术这么发达,这项技术靠谱吗?”还有网友推测,“女孩子化了妆能识别出来吗?”

张丹解释,做过整容的脸,且整容幅度比较大的,可能无法通过刷脸验证。“机器根据面部上面的诸多个点进行比对,相似度达到一定比例,并不要求百分之百一致,就可以通过验证。所以如果整容幅度比较大,就可能达不到这个比例,导致验证失败。这就需要用户重新到公安部门更新图像信息。而如果是一般的微整形,应该不会有太大问题。”

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