بانک مرکزی در روزهای اخیر اعلام کرده بود که رمز دوم پویا از طریق پیامک از روز گذشته (سهشنبه) اجرایی میشود و بر همین اساس بررسی ایسنا نشان میدهد که این طرح در حال حاضر برای برخی از درگاههای پرداخت عملیاتی شده است.
پیشتر بانک مرکزی اعلام کرده بود که مشتریان بانکی در زمان انجام پرداختها و خریدهای اینترنتی، میتوانند درخواست خود را برای دریافت پیامکی رمز پویا به بانک صادرکننده کارت خود ارسال کنند.
بر اساس آنچه اعلام شده این طرح به صورت مرحلهای اجرا شده و در هر مرحله تعدادی از بانکها و موسسات اعتباری تا پایان دیماه جاری به طرح اضافه میشوند.
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4xIqEiLUG2jQ5Y0RluE2vrNBkegdsjGNR6HMnxXVg3krS65kKVpLwHIplQqL9VcgzI9JaU0xrHER6it51N1mTd2zaRZBkRne/WRkRHa464szZMUqK7ESgiUQAAFskAAAAAAAAAAAAABW6AAAF0AAALoAAAXQAAAugAABdAAAC6AAAF0AAALoAAAXQAAAugAABdAAAC6B2jsYL/AJlif4/2mOP2jsYL/mWJ/j/aY2lSf1GR/wAofijGpv8ALzPc/gWWAAPoY4M5s6odzVOnwya0u61rRpadtHRQaurx9Q4GN2XpFQNhhBuOrpMskJT1md2xIqlAi1BlDMtpS0pWTiVJWpCkqLqMlJMjI/uHzgUiFClrlMJfU+tBNm68+46rRI72I1mdizEGm/r1E4I0t6OLLxFP0l830metBRFaBuwHk/8ASP7iMyI9HI7na3VmOnQ6hMnuS1PRXY7CDQTBuMqbWrwCNdyV2Hlfq+8dkBIjarLEjIAAqUK0xn/Msv8AwftIccuodjGf8yy/8H7SHHLqHzzXf9Rn/wDKL4s7yhfy8v3L4FkYI/lmL/j/AHmO0Q4uCP5Zi/4/3mO0Q9yqX+myP+MPwRxVM/mI/e/iPEIvjQ6kgoKYjs5hklrW49EZN1ZLSj6tJoLrQo+vK2RFle4lHiMOsbNq1FmF2O0gr06rxFznFwZzM2YiIslR4a3koyInbGRGV055H+okeGXJz1NWuat5VnnCaceZ1bi27+CpSbFY/wAC+4dgBRLfaVcVqsAAAkRIvyi/wdn+uX7ViBp6hPOUX+Dsf1y/asQNPUPFvTj+pv3I66pP5b8TIAA466bcAABdAETjYKODMqD1HxTXaWxNlqluRWCjONpdX9s0a1lRkRnna9rmYlgDKo9KmUe92f8A9fj8S3HLhj4kJnRmsFrlYokIxTi2oyiaiGTEdp59tojWZEhttLaCRczMzte5kOXh7AsmpR5NWrBz6BU3K+/VofcrzS3oyVtk0SF3JbZ3QVzLMs+vrFldX4DHWQz4a4mwS3dX3ov/AK9WFnCz8C06Mnx4fX7EYjYNbLFFOxDUsQVmrS6c263EKSUdCEawiJarNNN3yLx3EVxiwqjV/FEir4TruJKHiRuK2pNHb1rjZttrSpC0ktCyLIj0yyztkfXaNsyGS8YjR61mQTb8xXlZZy7rbd1nDfvEUhXfu8fpfArXDOC6lUoBv1qZX6S9DrLkyi62emTLiMG2TerWpesQZH4R6B6diMiv9obJcldORVW6qzibEaJpS1TnHDdYcS7IMlJ1ptrZNsjJK9EtBJEREWVyuLA8XWHjP9BcmV9TIonFC7Lfqzfb/wC7+JGGhy7LHv8Ar55Fbv8AJDAfQtJ4wxW2tU12cbrL0Zp3XulZwycSySyJRZGRHb1DtUbAcWnSqM69XKxUGaIg0U+M/wBzttM3b1d7NNINZki5Fcz6zEvAQmV3TpsNyKPwRLRJVtthHaTSo+C8BKptJbky2qZGdWwh1RG46ZaS7GZERZmduoQvDeDIeL8OUjGtZrtRq1dcS3OiS47yEtwXMj1cdlRG0WaCQemkzMyMzO/VapFYzMQSsckHJzVqu5VJuGGDlLVpKUy+8ykz7dBtZFftO2Yv1fWUMu+5kbhjidtqSb9a3tbn379/emW50i8koUml3Ph3e/gakR53C71QxROoWO65UJbcaOvSahvPE34ZklDccyIiSZnpnbrWWZ5jxh3AsqpR5NVrBz6BU3a+/VoXcrzS3oyVtk0SF3JbZ3QVzLMs+vrFkERlczMZ9YhHXU2yKKXCoYou/wBS7rOFhJUVcG7V+5wcN4YZo9VqFXdqtSqtQnoabdfmKbuSG76CEIbShBF4Rn1dZjvgA1M+fMnzO0mGRLlqBWIAACzdJgAALoAAAXQAAAugAFwuLgABcLgAAXC4AAFwuAABcLgAAXC4AAFwuAABcLgAAXC4AAFwuAABcLgAAXC4AAFwuAA2KbLXCmtymyJSkH1H4/EY17jFxKVNjkxqZA7Gt6IRwKZDdiJj03P0b7//APAx04V6NLff5RENINIdGvS+uOr4Q+RgaoonL4vzJf04V6NLff5Q6cK9Glvv8oiGkGkG19cdXwh8hqiicvi/Ml/ThXo0t9/lDpwr0aW+/wAoiGkGkG19cdXwh8hqiicvi/Ml/ThXo0t9/lGem5+jff8A/wCBD9ININr646vhD5DVFE5fF+ZsVGWubMdlOERKWfUXi8RDXGLjNxzk2bHOjcyN2t72Z8EMMuG7Cd6hYmdp0AohxUvJSo9Ezc0TK+fYY6JY3V6OK39b/KIfpesL28Y3lH9KK0o0tSpc3cty3L90YUdWUWZE4nDvfvJh04V6NLff5Q6cK9Glvv8AKIhpBpC/tfXHV8IfIjqiicvi/Ml/ThXo0t9/lDpwr0aW+/yiIaQaQbX1x1fCHyGqKJy+L8yX9OFejS33+UOm6vRpb7/KIhpBpBtfXHV8IfIaoonL4vzOzX8QOVZlDPc5MtpXpW0tIzP/AOGOMRWDSGLjR0ymz6bNc6e7YmZkiRBJguS1YjIBcLjFLwALhcVAALhcAAC4XAAAuFwAALhcAAC4XFAAC4XAAAuFxUAAuFwAALhcAAC4XAAAuFwAALgAPID1ohogDyA9aIaIA8gPWiGiAPID1ohogDyA9aIaIA8gPWiGiAPID1ohYAeb9oFn1COVvFkeFLODCjOVGUR2W20diL8bGNRjGimpBIq1Hk05tXU4Zmsv/QhlKhTnDakXYaPMatS+vdxJg0hTrqW0FdajIiLtMxIE4Pqikko3Yxeo1Hl+g4eGpEeVU4jkZ5DqSktkZoO5dZH/AOhkLcT9kjHYeino9RqylTI6RbuaWBz1a06dR5ihgK8ewjVm2lrQTDykpMyQhw7qPsK5EV/vMh4cwxUkm6htyK9Jab1imEO/WGR6Vusitc0qIjOxZGJ7PSaoLxEy87pNqLQZd0HFZHklV02PsO5Z+MhxcQ11uJLdpbcWfVJciMSkQaa0ZPpSZrI1qeNaW2SURHoGtTdzbXoGtWRdY/QmrMHmatVvSn3ojjmGKiWtQ25FekNN6xUdDv1hkelbrIrXNJkRnYsjGHcMVFButtuRXpDTesVHQ79YZHpW6yK1zSZEZ2LIxpY05S5eDnEM40pcFMac0aGo1CqTkqckkpcW4+aDbaNLCW0GZuJO6DLx38HvYN5QMM4+j1ZWFqk9Vo8NpCHm2Yr8ZwlrJeSHHNAjNREVtEy0OszzK0di6rweZPWdLStt3HPdwvUkm6ht2K9Jab1io6HfrDI9K3WRWuaTIjOxZGDuF6ik3UNuxXpDTesVHQ79YZHpW6yK1zSZEZ2LIxJcS4hoNIORGrVfpsPWRrtRnJqIz6/tkZpUpxPXkRHlYyPwuzlYo5QMJUugqq8mutTqXJQtpjmolyHXFoQ+tyy2TPRLRYd8LwCQbS7r8mr9C6rweZRVtSsfA57uF6inWttuRXpDTesVHQ79YZHpW6yK1zSZEZ2LIxh3DFQSbrbbkV6Q03rFR0O/WGR6Vusitc0mRGdiyMRmo/2gsLt9xNS8P4wJqq09UthtFO1LqWS09Y7p60tJBNkTmm3ckpz0r5JtKZWaYujTaiqqRHaYmnlKNbElKDJk0rPXa3TIkoUReCu6SLRM9LyaQ+hlVvgnmVdZ0uHiyJuYZqBG6hpyK9Iab1hsId+sMj0rdZFa5pMiM7FkYy5heopN1DTkV6Q03rFR0O/WGR6Vusitc0mRGdiyMcyNy78l1XddhxcUOyNewZIZap0phxNiWa1m6pKSbSSS0jWo0E2STWpRFmXUx5UuUxeKnaPhGjUKTSU0Zb78iZNU08chZuIbbRq1aaPskq5pIlWUROIMrg/Quq8HmFWdLTse73mHcMVJJuttuRXpLTesVHQ79YZHpW6yK1zSZEZ2LIx7ThScb645SYRuoQSlo1h3Ij0rGZW6jsfsMRPkQ5VqzjOt4jwri2LTmK5CZcWUKlE826jVOrYkNKWpZo1iF6qy0OWMnSsfgqtc7Tl5z7PdDKjS2hepIvrEXNfhHn9k7WLIvsqzPxVh9Cqrfc8yMVbUqHdaiElg2qn/ANrE/OrgORV6XKpbqW5GgemV0qSdyMWsIbyk/ahfc5/yjTekPorQaFV8c+TbarO/FpfuZNX1nPmz1Lj4MhwkDOEqm60hZnHRpFfRUo7l7CHAsLhK1iv+A0vojUdGrNze3t+7Zw9dvkZta0yZRrvZ99pAehtV87E/OrgHQ2q+difnVwE/sFh2uxFV4PM0+uKViiAdDar52J+dXAOhtV87E/OrgJ/YLBsRVeDzGuKViiAdDar52J+dXAOhtV87E/OrgJ/YLBsRVeDzGuKViiAdDar52J+dXAOhtV87E/OrgJ/YLBsRVeDzGuKViiAdDar52J+dXAOhtV87E/OrgJ/YLBsRVeDzGuKViiAdDar52J+dXAOhtV87E/OrgJ/YLBsRVeDzGuKViir6xRZlLSlcjVqQo7EpB3K/ZmOYJ5yi/wAIZ/rl+1YghJ6x5x6S1ZKq6muTJ4WJ7zoaspMdIkXo+JgB60Q0Rz5sDyA9aIaIA8gPWiGiAPID1ohogDyA9aIaIA8gPWiGiAPIDXqc1unU92Y81KdbaK5tx46nnDztklBGZ/gQ80yczPbdWyzLZJp9bJlIjLZMzLxkSyK6OwyyMXOxmdnfu/dIXlbYbQDXgzGJjkhplElBxnTaXrozjRGf/gNZESy9aLl6xwsYYvhUPCM/EEPueqpgyER3GmZRZOG6hs0GZEdjLTzK3iFyVRZ0yNS4Yd7sWfAo5kEKtbJKAw6tDTa3HVpQhBXWpZ2Ii7THMXX4C8KuYipxu1SEUY5LZQiJxbxEV7IK5XPK1u3IRgo8yZ/DD6id9LcdQBFeTXEFZxVR26/Mp9NhUuawlyE2xMOQ7fSXp6w9EkF/cyK5kd7n4ilZFcSpVEmUWbFKj4ohKmKYry4GAHrRDRGOXDyA9aIaIA8gPWiGiA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در این طرح با اضافه شدن دکمه "درخواست رمز پویا" به درگاههای پرداخت اینترنتی و برنامکهای پرداخت، این امکان فراهم شده که مشتریان، رمز دوم پویای خود را از طریق پیامک دریافت کنند.
البته با توجه به اینکه دریافت رمز پویا از طریق پیامک منوط به ارائه تائیدیه شماره تلفن همراه به بانک مربوطه است، مشتریان بانکها باید برای اطلاع از نحوه ارائه این تائیدیه، از سه راه خودپرداز، اینترنت بانک یا مراجعه به شعبه اقدام کنند.
مکانیزم عمل رمز دوم پیامکی به این صورت است که مشتریان بانکی پس از ورود به درگاه پرداخت اینترنتی روی دکمه درخواست رمز پویا کلیک میکنند و با این اقدام رمز دوم پویا از سوی بانک صادرکننده کارت آنها، به شماره خطی که از قبل توسط مشتری تایید شده، ارسال میشود.
رمزهای پویا دارای ۱۲۰ ثانیه اعتبار و یک بار مصرف هستند و در صورت یک بار استفاده از آنها باطل میشوند.
ایسنا