**BUK**RG A cash withdrawal card allows its owner to withdraw money from a savings or call money account on a national or even global ATM network. This is made possible through a network of bank-owned ATMs. In general, this ability is integrated in an ordinary bank card. In some cases, a cash withdrawal using an ATM card can also be done outside the respective ATM network, but this is usually associated with substantial costs. The implementation of banking transactions are programmed so that cardholders can easily operate without the help of bank staff and still achieve the desired results. Contrary to debit card consumer transactions, refunds using an ATM card is carried out only in person due to the need for authentication via a personal identification number (PIN). The cards can afford the holder the ability to implement transactions using telephone or online banking which does not necessitate physical presence. And such transactions include account balance inquiries and electronic bill payments. In some jurisdictions, the functions of ATM cards and debit cards are merged, which adds convenience to the consumer through the use of a single card commonly known as a bank card. Such cards are in a position to handle ordinary banking functions at ATMs as well as engaging in point-of-sale transactions. The password authentication scheme is intended that the information itself is independent of an individual PIN, account holder's negligence, or through social leakage, which may be passed on to third parties. It is used in biometric authentication information derived from the physical characteristics of the person, and is expected to become effective, ready to prevent third parties from fraudently exploiting someone else' card. In Japan and other countries such as the United States, different magnetic encoding schemes are used. The JIS X 6302, magnetic stripe card (JIS I type (back) and (JIS II type (front)) are specified for encoding. JIS I type scheme which fall under the ISO 7811, are frequently used by IATA member airlines. JIS II scheme for the standard type is unique to Japan, and has been adopted for Japan's ATM cards. With the magnetic information contained on the ATM cards, it is possible for card readers to read other cards, and to record information about financial transactions. Thus identify authentic and counterfeit ATM cards. It is possible to detect magnetic stripe cloning through the application of magnetic card reader heads capable of deciphering a signature embedded in all cards. This signature called a "MagnePrint" or "BluPrint" works with two factor authentication systems generally employed in prepaid cards, ATM, debit/retail point-of-sale applications.
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