No card deposit method is "stopped"? Bank manager reminds: It will be cancelled completely in the future.

In the information age, young people's wages are often seamlessly transferred from salar

No card deposit method is "stopped"? Bank manager reminds: It will be cancelled completely in the future.

In the information age, young people's wages are often seamlessly transferred from salary cards to other cards or trading platforms. However, in some special occasions or for most people who still use cash, ATM deposit is still the simplest and most common way.

ATM machines facilitate people's lives.

Since 2000, because it is very troublesome to go out with a bunch of cards, ATMs in many banks have begun to provide card-free deposit services for depositors. Just enter the corresponding card number and password, and you can deposit without a card, which is very convenient. In addition, ATM can also be used to make an appointment for withdrawal without a card and handle various other businesses.

On the other hand, because the current online payment problem is actually cash exchange, ATM machines are still regarded as necessities in many cases. Because it is small in size, easy to install, and the cash vault behind it is usually transported by security companies, and it is replenished or taken away every day. There is no doubt about security, so ATMs can be seen in many places, and even if you want to withdraw money at night, you can find some 24-hour business.

It can be said that ATM has become more and more convenient for people's lives since its birth. But it is precisely because of the development of the Internet industry that businesses can handle online, and people basically no longer use cash to handle most life scenes. This means that the functions of ATM machines are gradually disappearing, and more and more services are gradually introduced. At present, another method of deposit, that is, no card deposit, has been stopped.

Another deposit method was "stopped"?

It is understood that ICBC's ATMs in Chengdu, Sichuan, Suqian, Jiangsu and other places have suspended the card-free deposit business, and the scope is still expanding. This makes many people say that they don't understand. After all, it was very convenient for many people to deposit without a card, but the staff gave several reasons for "stopping".

First of all, because there is no bank card in the deposit, in some accidental input errors, there may be cases where the card numbers are similar but the names are the same. Once the deposit is deposited in the wrong person, whether the depositor pays attention to printing the documents, then it is difficult to get the money back. Although the probability of loss caused by this situation is small, it is not impossible.

Secondly, there is no need for a bank card to deposit without a card. If it is used by criminals to induce the victim to deposit money in the designated account, it will easily lead to the loss of cheated property.

It is also very important that banks should assist public security organs in anti-money laundering supervision, but deposits without cards may not only be unrecognizable, but even the specific relationship may not be obvious. Once suspected of committing a crime, it will be difficult for public security organs to monitor and supervise. If in the past, no card deposit was for the convenience of most people, but now people transfer money directly through the internet without bringing cash, then no card deposit itself has lost the necessity of existence, and crime prevention has become a more useful way.

The bank manager kindly reminded.

Although ICBC has cancelled most of the card-free deposit business, there is a kind reminder from the bank manager, because the more functions ATM itself has, the greater the maintenance cost. Now the online business is gradually developing. Even if there is no guidance or relevant documents to cancel this function, in fact, this business will be completely cancelled sooner or later.

You know, at present, digital currency has been piloted in many places in China. Although digital currency will be in parallel with cash for a long time to come, in the process of its development, bank cards and ATMs may become digital products, and people do not need to go to the bank to withdraw cash. Moreover, from the perspective of law enforcement and supervision, ATM machines have been difficult to adapt to the current needs, and more function cancellations in the future are completely foreseeable.

Other changes in ATM machines

Of course, it is obviously impossible for the use of cash to disappear completely in a short time, so the existence and upgrade of ATM is necessary, so the installation of face brushing function has gradually become a new function of many machines, which also does not require card operation.

In the past few years, paying by brushing face has been a hot topic. However, because the development of related technologies is mostly on mobile devices, the construction of domestic related databases has not yet been completed, and only a few banks have begun to pilot the face-brushing function. But it's different now. Information about the face can be recognized by the machine as a "biometric password". Many stations only need an ID card and a face to collect confirmation information, and even tickets are being cancelled gradually, which shows that the development of face brushing technology in China has reached a new stage. On this basis, ATM also began to progress in the direction of brushing face.

However, because it is still a new technology, there are many related cracks and problems. The comprehensive promotion and opening have to be selectively opened by individuals, which can be carried out through bank counters or mobile banking.

In addition, because some banks' ATMs can deposit and withdraw money without cards, many banks have set limits to prevent some criminals from using this function to carry out criminal activities. At present, the limit of China Construction Bank is 20,000 yuan, and that of Postal Savings Bank is 5,000 yuan. This can also be changed according to personal needs.

It is worth mentioning that in addition to brushing the face, the bank will also use the mobile phone number or ID number for auxiliary identification to avoid some unnecessary situations to the greatest extent. Moreover, in a sense, directly inserting the card may not be as safe as brushing the face, because brushing the face is not just about looking at the outline, but the system will also measure the overall shape of the face and even the pupil distance through the algorithm, so the security can be guaranteed in most cases.

But swiping a card is not necessarily the case, because some criminals will try to copy the user's bank card through some portable devices. With the development of science and technology, this kind of high-tech crime is becoming more and more frequent. The best solution is to completely cancel the card and use people as the only password, which is also the fundamental reason for the emergence of technologies including fingerprint, face brushing and pupil unlocking, which are still in the research stage.

In addition, for some elderly people, if the card is swallowed because of the wrong password, the problem will become very troublesome. There are not a few people who swallow cards every year because of various mistakes in China. It would be much more convenient if the old man could deposit and withdraw money at a glance.

Technology benefits mankind.

With the development of digital currency and card-free, people may not need ATM machines in the future, but I believe that the protection of wealth and privacy will be paid special attention by scientific and technological workers and the state, which is the need to safeguard people's basic information security. Technology itself is used to benefit mankind, not to violate laws and regulations.

Although some people are dissatisfied with the possible cancellation of cardless deposits, others are resistant to brushing their faces. However, we must know that with the corresponding means, there will inevitably be corresponding guarantees, and neither the state nor the banks will "fight an unprepared war" in this regard.

Generally speaking, it is an irresistible general trend that the development of science and technology changes society, which also puts forward high requirements for personal development. To adapt to the future society, we must keep up with the pace of the new era from now on.