Buyela kwikamva kwi-ATM yakho
Kwimarike yangoku, iibhanki zaseNtshona kunye namaziko emali sele sele asetyelwe ukudibanisa iteknoloji ye-biometric kunye neebhanki zorhwebo.
Amabhanki athatha iTheknoloji yeByometric Technology ukulwa noBuqhetseba
Uxanduva lwabathengi ngeendleko zobuqhetseba kunye neendleko zokuphumeza iteknoloji ye-biometri zihlala zizona zizathu eziphezulu zokuba kutheni amabhanki ase-US awamkelanga i-ATM ye-biometrics. EJapan, umthetho ofuna ukuba iibhanki zihlawule iindleko zobuqhetseba zenze i-ATM engaphezu kwe-80,000 i-ATM ifakwe ukususela ngo-2006. E-United States, ukukhathazeka kwabathengi kunye nokuzimela ngasese kuye kwakhankanywa phakathi kwezinto ezingundoqo, kodwa uphando lwangoku lubonisa abathengi kuwo wonke amaqela avota kakhulu ukukhangela i-biometric njengendlela ekhethiweyo yokuchithwa kwe-ATM.
Indlela yokulwa noBuqu
Ngokutsho kwamanani amashishini avela kwiSicwangciso soPhando kunye noPhando, isahlulo seshumi semeko yokukhwabanisa ngo-2009 yabandakanyeka ukukhishwa kwe-ATM engagunyaziswanga.
Iifowuni zokukhangela i-ATM ezithatha idatha yekhadi kunye ne-PIN ayilona yingozi yokhuseleko; Inkomfa yokhuseleko yenkcazelo yonyaka we-Black Hat, owaziwayo okhuselekileyo kunye noxanduva lwezokhuseleko uBaraby Jack wangena kwi-rootkit ye-ATM, waqokelela idatha yekhadi, kwaye wakhupha imali yokugcina imali ye-ATM. Ngethamsanqa, i-guru yolondolozo liye labonisa ukukhuselwa okunokusetyenziswa ngokukhawuleza ukukhusela uhlobo olufanayo lokuhlaselwa.
Ngokwesiko, ukufikelela kwiakhawunti yokukhangela kuye kwaba nekhadi ye-debit / ATM kunye ne- PIN . Kodwa ngolwaphulo olutsha lweenkcukacha (kunye nokwenza nzima ukufumana abadlali), amasela aneendlela ezininzi zokweba imali. Amakhadi aphethe i-smart chips kufuneka aphucule loo mkhwa, kodwa amasela ase-tech-savvy awayi kunika kalula.
Ngaphandle kwamakhadi aphezulu, kusekho umngcipheko othile ngaphandle komnini-akhawunti ogunyazisiweyo usebenzisa ikhadi; kungenzeka ukuba ubelane ngekhadi lakho (kunye ne-PIN) kunye nomhlobo "othembekileyo," okanye ngenxa yokuba ikhadi lilahlekile okanye libiwe kwaye i-PIN kulula ukuyifumana. I-Becuase Iipinisi zikhuni ukukhumbula, zivame ukugcinwa ngamakhadi, oko kukunqoba ngokupheleleyo injongo.
Ngeteknoloji ye-biometric, iibhanki zinokuqiniseka ukuba umnini-akhawunti kuphela ogunyazisiweyo unokukwazi ukurhoxisa. Kwaye abathengi bayakuvuyela ukwazi ukuba akukho mfuneko yokukhumbula ikhowudi - umzimba wakho unakho konke okufunekayo ukugqiba intengiso. Enyanisweni, ezinye iibhanki zikhangeleka nakwi-card-free transactions (okanye ubuncinane usebenzisa i-chip kwifowuni endaweni yekhadi leplastiki).
IiATM zeKamva
Iskrini sebhayometri yanamhlanje sidlula ngaphaya kwezinto eziqakathekileyo zokuqatshelwa kweminwe. Ngokutsho kweengcali zokhuseleko, imiqondiso yeminwe inokuphakanyiswa kalula kwaye iphindwe.
EPoland naseJapane, abathengi basebenzisa ii-Hitachi zangasese zokukhangela ezithatha umzekelo oyingqayizivele we-capillaries kumnwe ngesandla. I-teknoloji ye-biometric ekhuselekileyo isebenzisa idivaysi eyenzelwe ukwenza i-scan ye-iris esekelwe kumanqaku angaphezu kwama-2,000. Ngokutsho kwabathuthukisi, abantu kunye nezilwanyana ezifuywayo kuwo wonke umhlaba baya kudibaniswa kwinkqubo esebenzisa ukuchongwa kwe-iris kwishumi elizayo.
Kodwa akudingeki silinde ixesha elide. I-scanners yeFinger sele iqinisekisile abathengi, ngamanye amaxesha ngokufunda iipatheni zemigodi eminwe endaweni yeminwe eminwe endala. Ukuba usanda kwenza ishishini kunye nomtshi okanye ufikelele kwibhokisi ephosiweyo , kukho ithuba elihle lokushiya irekhodi le-biometric kwi-bhanki.
Biometric Challing
Ukuba ukhuseleko lwe-biometric lukhulu, kutheni singenalo yonke indawo?
Kwakhona, abanye abathengi abaxhamli ngokuba nemizimba yabo ichithwa, kwaye ukuba nolwazi olugcinwe ngeenkampani ezininzi zeenkonzo zezimali.
Ukongezelela, iteknoloji imele isebenze kakuhle - ngakumbi xa ifika kuma-ATM. I-ATM ngumatshini wokuncedisa, kwaye ayisoze isetyenziselwa ukuba inzima ukuba iqinisekiswe. Abathengi abanakho ukuqonda indlela yokusebenzisana kunye noomatshini (okanye bangenakufuna ukubeka amehlo abo ngaphakathi kwamashishini angama-intshi omatshini), kwaye uomatshini kufuneka abe ngama-100% athembekileyo. Kwixesha elidlulileyo, ii-ATM ezinezixhobo zeminwe ziba neengxaki "ngeminwe" egqityiweyo, kwaye ayisebenzi xa i-Vein ecocekileyo kwaye i-scanner iris ithembeke ngakumbi, kodwa kuyindleko kumashishini okugqoka ngeteknoloji entsha.