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只用口令系统对用户的身份进行认证已经越来越不能保证金融安全问题了。很多网上金融机构开始考虑使用包括智能卡、一次性口令等强认证技术。
Authentication of a user’s identity using only a password system has increasingly failed to guarantee financial security issues. Many online financial institutions are beginning to consider using strong authentication technologies, including smart cards, one-time passwords and more.