In the United States, the National Bank of Cities offers a new way to use smart phone apps instead of a cash withdrawal from an ATM.
To reduce card skimming and fraud, Global Banking Technology Corporation, in partnership with US financial middlemen, has launched its cardless cash access: an application that allows you to withdraw money from your ATM using your smartphone instead of A piece.
Here's how it works: Customers sign up for their phones and then use a password to access the app and then let them find an ATM near them. When they arrived next to the ATM, they chose the "Mobile cash withdrawal" option on the ATM to scan the QR code that appeared on the screen at one time. At this time, cash machines will immediately distribute cash, and withdrawal notices will be sent to their mobile phones.
However, if the customer’s lost phone situation happens frequently, according to the financial middleman, the customer does not need to worry, this will not be a problem, because the application is not accessible without a password, it and all account information is stored in a secure The cloud server makes it less secure than any one banking application.
Consumers continue to look for new ways to innovate, and they need additional security while maintaining their information security through mobile devices and their financial institutions, said Doug Brown, senior vice president of FIS. The information without card cash access remains in the cloud, so if the consumer's mobile phone is lost or stolen, the data on the card cannot be accessed, which is a faster and more secure way to withdraw funds.
Beginning in May 2013, the system has successfully experienced a 37-person trial in Chicago. It will now be launched in Los Angeles, New York City and San Francisco.
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