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■採用新技術的櫃員機能透過掃描系統辨識手指血管，客戶不用插卡，只要將手指放在掃描器上便能提款。圖為早前被裝上讀卡器、導致部分客戶存款被盜的滙豐銀行自動櫃員機組。 資料圖片
波蘭BPS SA銀行成為首家引進生物識別技術自動櫃員機的歐洲銀行，顧客不需提款卡，只要利用指尖便可提款。
BPS SA銀行副總裁雅蓋林斯基表示：「透過掃描手指血管的系統，客戶可直接從櫃員機提款。」
專為零售界和銀行界提供資訊科技產品的德國公司利多富，利用日本科技巨擘日立開發的「手指靜脈」（Finger Vein）技術，製造出這款掃描人類指尖微細血管網絡的機器。
不受損傷影響 比指紋更準確
「手指靜脈」技術系統具有多項優點。首先，手指的靜脈不會移動，而且無人可以看穿皮膚，確保私隱。第二，血管感應器耐用且易用，它會掃描皮下血管，不會因手指損傷、水氣或塵埃而影響結果。第三，「手指靜脈」系統比指紋圖像更準確，難以造假。
BPS SA銀行表示，今年底前會在華沙設置3至4台這種自動櫃員機，並將逐步在波蘭全國設置大約200台。
雅蓋林斯基指出，這種櫃員機可確保民眾能在每月的月底取得退休金，又可防止匪徒盜取信用卡資料。他又稱，已有數十名顧客試用這種櫃員機，「但科技改變了，民眾都需時間適應」。
雖然歐洲首次引用這種櫃員機，但有關技術早已在日本普遍使用。 ■綜合外電消息 ■羅國偉 資深翻譯員
Polish Bank Claims Europe's First Biometric Cash Point
Poland's cooperative BPS SA bank claimed to be the first in Europe to install a biometric cash point allowing its clients to use their fingertips rather than a bank card to withdraw money.
"Thanks to a system which scans blood vessels in fingers, they can withdraw cash from a bank machine," BPS SA Bank vice-president Krzysztof Jagielski said.
Based on "Finger Vein" technology developed by Japanese technology giant Hitachi, the bank machine which scans the unique network of minute veins in fingertips was developed by Wincor Nixdorf, a leading IT provider for retailers and retail banking.
"Finger Vein" systems have some advantages. First, the vein patterns in fingers stay where they belong, and where no one can see them in the fingers. This is a huge privacy consideration. Second, vascular sensors are both durable and usable. The sensors are looking below the skin; and they simply do not have issues with finger cuts, moisture or dirt. Third, "Finger Vein" systems demonstrate very high accuracy rates, currently higher than fingerprint imaging, and they are very difficult to spoof.
BPS said it would install 3 to 4 of the new biometric machines in Warsaw by the end of the year, and about 200 more in the 365 banks in its network across Poland. The new biometric machines will serve to "secure the payout of pensions at the end of the month and to guard against fraud such as skimming, or the theft of credit card information," Jagielski said.
Several dozen clients have already tested the system but "as with all technological changes, there must be some time for people to adapt," he added.
Although new to Europe, bank machines with the technology are already widely used in Japan. ■AFP
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