[問題] 請問OTP的好處?
小弟我對於OTP的理解是這樣
OTP的功能要啟用,要同時滿足2的條件
1.有向發卡銀行申請OTP(或是銀行強制使用)
2.刷卡的商家有提供刷卡驗證服務
對於商家和銀行來說,OTP的好處是交易有不可否認性
但是對於持卡人來說,又帶來什麼好處呢?
如果我的信用卡資料外洩了
有心人只要到沒有配合OTP驗證的商家刷卡
我的卡片還是一樣會被盜刷
對於持卡人來說,就是自己在使用時多了一道驗證手續
這樣只有扣分阿
請問有其他加分項目嗎?
如果我有理解錯誤請指證
感謝
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感謝你的回答
剛剛又google了各家銀行對OTP的介紹,都有強調安全性
但總覺得無法想像阿,會被盜的還是逃不了
除非所有線上商家都被要求提供驗證服務
否則這項功能還是很讓人疑惑呢
※ 編輯: ifdef (114.39.209.31), 10/18/2015 01:51:07
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