2017年7月23日 星期日

VTM ;ATM machine turns to gold , An ATM skimming device, Let us separate matters.

時至今日ATM服務深入民眾生活,尤其在台灣ATM更是遍地開花,金管會統計,截5月底全台共有2.74萬台ATM,等於每840人就擁有1台ATM,密度堪稱世界第一。
ATM近年已悄悄進化變身為VTM (Virtual Teller Machine,遠程視訊櫃員機),歐美甚至中國、香港都在這2、3年廣設這種結合真人服務機台......
儘管國人對ATM耳熟能詳,但說起VTM很多人應該很陌生,VTM的概念是Video加上ATM。有別於傳統ATM只能單向操作,民眾透過螢幕與遠端銀行員雙向溝通,讓預約開戶、掛失金融卡、申辦信用卡、舊貸戶對保、財富管理KYC(認識你的客戶)等,一機搞定。
一銀、華南銀和玉山銀都設有VTM,一銀在北中南選定20家分行設VTM,除舊貸戶的簽約對保到下午5點外,其餘服務是採24小時,半夜也能申請信用卡;華南銀則有5台服務時間到晚上9點。
玉山銀在北中南共3台VTM,視訊服務從早上9點至下午5點半,也是目前國內市場唯一結合領取現金服務的機台。VTM廠商表示,每家銀行考量不同,一銀機器沒有結合領取現鈔,主要考量諮詢服務所花費的時間較久,會耽誤其他客戶提領現鈔,若是分為兩台機器,可以服務更多客戶。
玉山銀行個人金融事業處資深經理蔡宗樺表示,玉山銀首創愛心手語客服諮詢,雖非大眾客群,但自2月中旬上線以來,3台設備共使用68次。
VTM與ATM除可取代銀行據點不足外,也可紓解銀行臨櫃人潮。以一銀為例,永春分行緊鄰捷運站,許多上班族會利用下班時間主動使用;而大安分行只要大廳有較多人排隊等開戶,就會請客戶直接使用VTM。
一銀主管表示,民眾選擇與VTM真人客服對談時,預約開戶會先掃描身分證,機器自動將資料帶入,缺的資訊比如電話會由客服幫忙填寫,填寫完基本資訊再到櫃台領取存摺與金融卡。若是申請信用卡,機器會印出填寫完的申請表,民眾簽名後由機器吸回即可。 



被ATM改变的世界
50年前,自动提款机问世。这项发明不仅开创了“全天候在线”文化,还重塑了我们与现金、信用和风险的关系。
Five decades since it heralded a transformation in the way people obtained and used cash, the world's first ATM was turned into gold for celebrations of its fiftieth anniversary.


Five decades since it heralded a transformation in the way people obtained and used cash, the world's first ATM was turned into gold for celebrations of its fiftieth anniversary.

The brainchild of Scottish inventor Shepherd-Barron, the first ATM (automated teller machine) was opened on June 27, 1967 at a branch of Barclays bank in Enfield, north London, the first of six cash dispensers commissioned by the bank.
An ATM skimming device was recently discovered attached to a machine at a local convenience store in Cambridge.


A skimming device—hardware that reads and stores a person’s credit or debit card information at an ATM—was recently discovered attached to a...
THECRIMSON.COM






THE TELEGRAPH · 153 次分享


automatic teller  1971( machine )
automated teller  1974 
n. (Abbr. ATM)

An unattended electronic machine in a public place, connected to a data system and related equipment and activated by a bank customer to obtain cash withdrawals and other banking services. Also called automatic teller machine, cash machine; Also called money machine.

Clinton has promised to orchestrate a meeting between her fund-raisers and Obama, But whether operations at the two camps can be united remains an open proposition, and likely depends on how Clinton handles her concession Saturday.


free range
adj.
Of, relating to, or produced by animals, especially poultry, that range freely for food, rather than being confined in an enclosure: free-range chickens.


matter
A subject or situation under consideration:
a great deal of work was done on this matterfinancial matters
2.1Law Something which is to be tried or proved in court; a case.
2.2(matters) The present state of affairs:we can do nothing to change matters
2.3The substance or content of a text as distinct from its style or form.
2.4Logic The particular content of a proposition, as distinct from its form.



skim
informal Steal or embezzle (money), especially in small amounts over a period of time:she was skimming money from the household kitty

1.3(often as noun skimming) Fraudulently copy (credit or debit card details) with a card swipe or other device.

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