Re: [新聞] 首刷就被詐22萬!發卡銀行:客戶自行提供卡號及驗證碼
個人小小看法:
現代的詐騙手法日新月異,
刷卡的3D驗證(OTP驗證)已經算是一個不夠安全、嚴謹的驗證方式了
(假網站、木馬截簡訊、盜EMAIL...)
怎麼不是由一個政府官方單位出來主導,從刷卡驗證方式下去做革新呢?
例如換用FIDO驗證 :
(FIDO,Fast Identity Online,是一種快速認證身分的機制,最常見的是利用生物辨識
來認證,包括指紋、臉部識別、虹膜、甚至是聲音,都是 FIDO 身分驗證的範疇。)
政府單位官方出個 FIDO App,
專做各銀行刷卡、綁卡時的身分認證,取代掉3D OTP簡訊驗證流程。
註冊流程:
持卡人透過銀行提供的行動銀行App內,進行將卡號註冊進FIDO App;或進線客服,由客
服核身後協助客戶註冊。
刷卡流程:
本應進行3D OTP驗證的交易,改由FIDO App手機推播,持卡人使用生物辨識登入FIDO App
後,可檢視交易內容,然後才點選承認交易。
(因為有生物辨識的驗證登入成功,所以交易一樣有不可否認性)
這樣應該可以根除手機簡訊驗證的各種問題....吧?
以上,
什麼時候可以去數發部報到?
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