大通銀行推出無卡ATM機:逐漸實現機器化

JPMorgan Chase will install new ATMs later this year that will allow customers to withdraw cash or initiate other transactions using their cellphone rather than a card.

摩根大通將在今年晚些時候安裝新型ATM自動取款機，允許消費者不使用實體卡而是通過手機進行取款以及其他交易

The move will include new cash machines that don't require a card and upgrades to existing machines that will allow customers to withdraw more money and in different denominations, said Chase spokesman Michael Fusco. The withdrawal limit will also be substantially higher, up to $3,000 during branch hours.

大通銀行發言人邁克爾·富斯科表示，這一措施和新的機器除了不需要實體卡之外，還將會對現有機器進行升級，提供更多面值以供顧客選擇。此外，大通銀行還將提高ATM機每日取款上限金額至3000美元。

The first generation of these new ATMs will allow customers to access the machine by inputting a code found on their Chase mobile app, Fusco said. Future upgrades of machines will allow customers to use their cell phone's near-field wireless communication feature to access their accounts.

富斯科還表示，第一代新型ATM機將會需要顧客輸入手機銀行客戶端上出現的密碼。之後的升級版機器將會允許顧客使用自己手機的近場無線通信功能來進入他們的賬戶。

Customers will still be able to use their ATM cards if they want to, Fusco said. The cell phone technology will just be an option.

富斯科說道，如果顧客需要的話，他們依然可以使用自己的實體卡。這項手機技術只是一個選項而已。

Chase and other banks have been rolling out new and upgraded ATMs in a continuing effort to replace the fleets of bank tellers at each branch once needed to handle routine customer transactions. Fusco said Chase now does more transactions each month via ATMs than with tellers.

目前，摩根大通銀行和其他銀行已經擴大應用新型升級的ATM機了。這些銀行正在不斷嘗試用這些機器替代原本需要處理日常客戶交易的銀行櫃員。富斯科表示，摩根大通銀行現在每月的ATM機上執行的交易數量已超過了櫃員執行的數量。