{"id":7772,"date":"2026-05-02T13:07:17","date_gmt":"2026-05-02T11:07:17","guid":{"rendered":"https:\/\/www.biznisa.com\/?p=7772"},"modified":"2026-05-01T23:17:54","modified_gmt":"2026-05-01T21:17:54","slug":"biometricke-platebni-karty-otisk-prstu","status":"publish","type":"post","link":"https:\/\/www.biznisa.com\/en\/biometricke-platebni-karty-otisk-prstu\/","title":{"rendered":"Biometrick\u00e9 platebn\u00ed karty: otisk prstu m\u00edsto PINu"},"content":{"rendered":"

Biometrick\u00e1 karta pomalu obch\u00e1z\u00ed PIN: ve Francii za 24 eur ro\u010dn\u011b, v \u010cR zat\u00edm nikde. Poj\u010fme se nejprve pod\u00edvat, co to biometrick\u00e1 karta vlastn\u011b je.<\/p>\n

Biometrick\u00e1 platebn\u00ed karta \u2014 plast, kter\u00fd m\u00e1 vestav\u011bn\u00fd miniaturn\u00ed skener otisku prstu \u2014 existuje na francouzsk\u00e9m retailov\u00e9m trhu u\u017e n\u011bkolik let a te\u010f se za\u010d\u00edn\u00e1 st\u00e1vat re\u00e1lnou alternativou k PINu i pro vy\u0161\u0161\u00ed \u010d\u00e1stky. Hlavn\u00ed vydavatel\u00e9 jsou BNP Paribas a Cr\u00e9dit Agricole<\/strong>, Soci\u00e9t\u00e9 G\u00e9n\u00e9rale<\/strong> (neboli skupina \u010desk\u00e9 Komer\u010dn\u00ed Banky) chyst\u00e1 vlastn\u00ed \u0159e\u0161en\u00ed. Mimo Francii podobn\u00e9 karty vyd\u00e1vaj\u00ed banky ve Velk\u00e9 Brit\u00e1nii, \u0160v\u00fdcarsku a \u0160v\u00e9dsku. V \u010cesku zat\u00edm \u017e\u00e1dn\u00e1 banka biometrickou kartu komer\u010dn\u011b nenab\u00edz\u00ed.<\/p>\n

Co je na tom nov\u00e9ho?<\/h3>\n

Otisk prstu se ukl\u00e1d\u00e1 p\u0159\u00edmo do karty<\/strong>, nikoliv k bance ani k obchodn\u00edkovi. Karta p\u0159i placen\u00ed porovn\u00e1 otisk lok\u00e1ln\u011b a teprve kdy\u017e se shoduje, autorizuje transakci. Klient p\u0159ilo\u017e\u00ed prst m\u00edsto aby \u0165ukal PIN, a v tu chv\u00edli odpad\u00e1 limit pro bezkontaktn\u00ed platby<\/strong> \u2014 ve Francii dnes 50 eur, v \u010cR 500 K\u010d pro bezkontaktn\u00ed platbu bez ov\u011b\u0159en\u00ed. Biometrika fakticky znamen\u00e1, \u017ee i n\u00e1kup za 5 000 K\u010d prob\u011bhne pouh\u00fdm p\u0159ilo\u017een\u00edm karty.<\/p>\n

Pro obchodn\u00edka tu je dobr\u00e1 zpr\u00e1va: v\u011bt\u0161ina dne\u0161n\u00edch bezkontaktn\u00edch termin\u00e1l\u016f je u\u017e kompatibiln\u00ed<\/strong>. Nen\u00ed tedy pot\u0159eba m\u011bnit hardware ani investovat do upgradu. Pokud klient karty sel\u017ee nebo m\u00e1 biometrick\u00fd skener probl\u00e9m (poran\u011bn\u00fd prst, \u0161pinav\u00e1 ruka), z\u016fst\u00e1v\u00e1 PIN jako z\u00e1lo\u017en\u00ed cesta.<\/p>\n

Cena pro klienta: BNP Paribas si za biometrickou variantu \u00fa\u010dtuje nav\u00edc cca 24 eur ro\u010dn\u011b<\/strong> k b\u011b\u017en\u00e9mu poplatku za kartu. Pro vydavatele to nen\u00ed zdarma \u2014 chip se skenerem je dra\u017e\u0161\u00ed ne\u017e klasick\u00fd bezkontaktn\u00ed \u010dip \u2014 a zat\u00edm to brzd\u00ed masov\u00e9 nasazen\u00ed v \u010cR, kde si banky dr\u017e\u00ed karty zdarma jako v\u00fdznamnou marketingovou polo\u017eku.<\/p>\n

Bezpe\u010dnostn\u011b je to krok vp\u0159ed. PIN lze odkoukat, uhodnout nebo zachytit phishingem. Otisk prstu se v praxi neuhodne. Plus: po pandemii roste preference pro \u201enedotykov\u00e9“ placen\u00ed i z hygienick\u00fdch d\u016fvod\u016f. Biometrika tu logicky pasuje.<\/p>\n

Trochu jin\u00e1 ot\u00e1zka je, jak biometrick\u00e1 karta soupe\u0159\u00ed s Apple Pay a Google Pay<\/strong>. Ty biometriku pou\u017e\u00edvaj\u00ed nativn\u011b a v \u010cR jsou u\u017e zdarma a b\u011b\u017en\u011b roz\u0161\u00ed\u0159en\u00e9. Biometrick\u00e1 karta se hod\u00ed klient\u016fm, kte\u0159\u00ed mobil nepou\u017e\u00edvaj\u00ed k placen\u00ed nebo jim na n\u011bm rychle doch\u00e1z\u00ed baterka.<\/p>\n

Co to znamen\u00e1 pro v\u00e1s?<\/h3>\n

Pro kamennou prodejnu (gastro, retail):<\/strong> v kr\u00e1tk\u00e9m horizontu pro v\u00e1s biometrick\u00e1 karta nen\u00ed investice \u2014 va\u0161e termin\u00e1ly ji u\u017e zvl\u00e1daj\u00ed. Trochu se zrychl\u00ed n\u00e1kupn\u00ed proces: \u017e\u00e1dn\u00e9 \u0165uk\u00e1n\u00ed PINu u n\u00e1kup\u016f nad limitem.<\/p>\n

Pro vy\u0161\u0161\u00ed segment (klenotnictv\u00ed, elektronika):<\/strong> z\u00e1kazn\u00edk s biometrickou kartou zaplat\u00ed 30 000 K\u010d jedn\u00edm p\u0159ilo\u017een\u00edm m\u00edsto PIN dialogu. Pokud m\u00e1te c\u00edlovku v zahrani\u010d\u00ed (turist\u00e9 z Francie, UK), m\u016f\u017ee to ovlivnit v\u00fd\u0161i konverze n\u00e1kupu.<\/p>\n

Dlouhodob\u011b:<\/strong> sledujte, jestli n\u011bkter\u00e1 z \u010desk\u00fdch bank biometriku ozn\u00e1m\u00ed. Zat\u00edm to vypad\u00e1, \u017ee nejd\u0159\u00edv p\u0159ijde bal\u00ed\u010dek pr\u00e9miov\u00fdch karet (Komer\u010dn\u00ed banka, \u010cSOB, Raiffeisenbank) \u2014 ne masov\u00e1 karta zdarma.<\/p>\n

Co byste si m\u011bli odn\u00e9st?<\/h3>\n
    \n
  1. Biometrick\u00e1 karta se otiskem prstu ov\u011b\u0159uje p\u0159\u00edmo na kart\u011b<\/strong>; data nejdou ven k bance ani k obchodn\u00edkovi.<\/li>\n
  2. Hlavn\u00ed v\u00fdhoda pro z\u00e1kazn\u00edka: zmiz\u00ed limit bezkontaktn\u00ed platby; jedn\u00edm p\u0159ilo\u017een\u00edm lze zaplatit i tis\u00edce korun.<\/li>\n
  3. V \u010cR ji zat\u00edm \u017e\u00e1dn\u00e1 banka nevyd\u00e1v\u00e1; ve Francii stoj\u00ed nav\u00edc cca 24 eur ro\u010dn\u011b.<\/li>\n
  4. Va\u0161e sou\u010dasn\u00e9 bezkontaktn\u00ed termin\u00e1ly ji nejsp\u00ed\u0161 u\u017e zvl\u00e1dnou \u2014 \u017e\u00e1dn\u00fd hardware nem\u011bn\u00edte.<\/li>\n
  5. Konkurence pro biometrick\u00e9 karty je prim\u00e1rn\u011b Apple Pay \/ Google Pay<\/strong>, ne klasick\u00e1 karta s PINem.<\/li>\n<\/ol>\n

    Slovn\u00ed\u010dek pojm\u016f<\/h3>\n
      \n
    • Biometrick\u00e1 karta<\/strong> \u2014 platebn\u00ed karta s integrovan\u00fdm skenerem otisku prstu pro autorizaci transakce.<\/li>\n
    • Bezkontaktn\u00ed (contactless) limit<\/strong> \u2014 \u010d\u00e1stka, do kter\u00e9 se karta na termin\u00e1lu ov\u011b\u0159\u00ed bez PINu nebo biometrie; v \u010cR 500 K\u010d, ve Francii 50 \u20ac.<\/li>\n
    • Tokenizace<\/strong> \u2014 n\u00e1hrada \u010d\u00edsla karty k\u00f3dem (tokenem) u obchodn\u00edka; mimo jin\u00e9 ji pou\u017e\u00edvaj\u00ed Apple Pay a Google Pay.<\/li>\n
    • PIN<\/strong> \u2014 Personal Identification Number, \u010dty\u0159- a\u017e \u0161esti\u010d\u00edseln\u00fd k\u00f3d pro ov\u011b\u0159en\u00ed dr\u017eitele karty.<\/li>\n
    • NFC<\/strong> \u2014 Near Field Communication, technologie pro bezdr\u00e1tov\u00fd p\u0159enos dat na kr\u00e1tkou vzd\u00e1lenost; z\u00e1klad bezkontaktn\u00edch plateb.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

      Biometrick\u00e1 karta pomalu obch\u00e1z\u00ed PIN: ve Francii za 24 eur ro\u010dn\u011b, v \u010cR zat\u00edm nikde. Poj\u010fme se nejprve pod\u00edvat, co to biometrick\u00e1 karta vlastn\u011b je. Biometrick\u00e1 platebn\u00ed karta \u2014 plast, kter\u00fd m\u00e1 vestav\u011bn\u00fd miniaturn\u00ed skener otisku prstu \u2014 existuje na francouzsk\u00e9m retailov\u00e9m trhu u\u017e n\u011bkolik let a te\u010f se za\u010d\u00edn\u00e1 st\u00e1vat re\u00e1lnou alternativou k PINu […]<\/p>\n","protected":false},"author":45,"featured_media":7783,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[53],"tags":[91,121,122],"class_list":["post-7772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-bezpecnost","tag-biometrie","tag-karty"],"acf":[],"jetpack_featured_media_url":"https:\/\/www.biznisa.com\/wp-content\/uploads\/2026\/04\/biometricke-platebni-karty-otisk-prstu.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/7772","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/users\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/comments?post=7772"}],"version-history":[{"count":3,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/7772\/revisions"}],"predecessor-version":[{"id":7795,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/7772\/revisions\/7795"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/media\/7783"}],"wp:attachment":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/media?parent=7772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/categories?post=7772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/tags?post=7772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}