Yintoni i-Chip ne-PIN Credit Card?
Amazwe amaninzi, kuquka ininzi yeNtshona Yurophu, iJapan, iMexico neBrazil, iye yamkela i- chip kwaye ityekhnoloji yekharityhulam yekhredithi , ekuthiwa ikhuselekile ngakumbi kunezobuchwepheshe zobuchwephesha bemveli. I-chip kunye ne-PIN yekhadi lesikweletu, ngezinye ixesha elibizwa ngokuba yi-"smart" kwikhadi lesikweleti, libonisa i-microchip edibeneyo efuna inombolo yesazisi, okanye iPIN, ukuze isetyenziswe endaweni yesayineli.
I-Chip kunye nekhadi le-PIN yamakhadi ane-stripe magnetic ekusebenziseni e-US nakwamanye amazwe angazange aguqulwe abaprojekthi zabo bekhadi zekhredithi kunye nama-ATM ukuze bamkele igalelo le-PINs yabathengi.
Ngaba I-Magnetic My Stripe Credit Card isebenza kwi-Chip ne-PIN Country?
I-Visa ne-MasterCard zidinga abathengisi kwi-chip kunye ne-PIN amazwe ukuba bamkele iintlawulo zekhadi zekhredithi zamagneti, oku kuthetha ukuba akufanele ube neengxaki usebenzisa umgca wamagnetic okanye i-chip kunye nekhadi lekredithi yesayinithi kwiehotele nakwiivenkile.
Iingxaki ziyakwenzeka xa uzama ukusebenzisa umgca wamagnetic okanye i-chip kunye namakhadi e-credit signature kwiindawo ezingahlawulwanga, ezifana neendawo zokupaka ithikithi, indawo yokupaka, izitishi zokuqashisa ngebhayisikili kunye nama-tobobhothi. Ngaphandle komntu kwisayithi ukulungiselela ukuhlawulwa kwekhadi lakho lokuthenga ngetyala, awuyi kukwazi ukusebenzisa ikhadi lakho lesikweletu.
Ngaba nawaphi na amabhanki e-US anika iSip kunye ne-PIN amakhadi eKhariti?
Ngo-2015, abakhupheli bekhadi lesikweletu baqala ukubonelela amakhadi kunye nePIN kumakhasimende abo ase-US.
Ngaphambi kwelo xesha, iimanyano zeentengo zemali ze-US kunye neebhanki zaqala ukuhlola i-chip kunye ne-PIN yokusetyenziswa kwekhadi lokuthenga ngetyala ngamacandelo akhethiweyo abathengi. Nangona kunjalo, njengale mibhalo, ininzi ye-chip kunye nePIN amakhadi ayikhutshwe nge-PIN; kufuneka ucele kwi-bhanki yakho okanye kwikhadi lekhadi lesikweletu. Oku kuthetha ukuba la makhadi kunye ne-PIN asetyenziswa njengeakha kunye namakhadi atyikityo.
Ukuba uceba ukuhamba ngaphandle kwe-US, qhagamshelana nomniki wekhadi lakho lesikweletu kwaye ucele i-PIN eneenombolo ezine. Ukuba olu khetho lufumaneka ngekhredithi yakho yamakhadi wesikweletu, kuya kukunika inqanaba eliphezulu lokukhusela ubuqhetseba.
Kuthiwani NgamaCop kunye neeCart signards?
I-Chip kunye namakhadi e-credit card asayinwa yi-microchip teknoloji, kodwa isadinga isignesha yomthengi. Iingxelo ze-Anecdotal zibonisa ukuba abasebenzisi baye bahlangabezana neengxaki ezizama ukuhlawula nge-chip kunye namakhadi atyikityo kwiindawo zokuhlawula ezingalindelekanga eYurophu. Kwiehotele kunye neendawo zokutyela, amakhadi enkqubo kunye namasayine avunywa ngokulula.
Ngaba i-Chip nee-PIN zeCredit Credit zikhuselekile kuneCard Magnetic Cripe Cards?
Ingongoma enkulu yokuthengisa ye-chip kunye ne-PIN iteknoloji yokhuselo olwandisiweyo malunga nokukhwabanisa olunikezwa yi-microchip yekhadi. NgoFebruwari 2010, abaphandi bakaCambridge uRoss Anderson, uSteven Murdoch, uSaar Drimer noMike Bond bamemezele ukuba iip chip kunye ne-PIN zamakhadi zesikhwama zinokukhuseleka kokukhusela ukukhusela umfundi wekhadi ekucingeni ukuba umfundi wekhadi ukucinga ukuba i-PIN evumelekileyo inikwe, xa Enyanisweni, ayikho.
Ukuba inani lakho lekhadi lesitaliti lisetyenzisiwe ngaphandle kwemvume yakho, imithetho yokukhusela abathengi yelizwe lakho inokuthi unciphise uxanduva lwakho. Ngokomzekelo, e-US, iMiselo E ikhusela abathengi kwiimbopheleleko zobusela be-elektroniki kwi-akhawunti yabo yasebhanki, ukukhawulela umthwalo kwi-$ 50 ukuba ubusela bubikwe kwiintsuku ezimbini zoshishino.
E-UK, amabhanki kufuneka abuyisele abathengi ngemisebenzi yokukhwabanisa, kodwa umgaqo ovumela iibhanki ukuba ziphephe ukubuyisela ukuba "ukunganaki" kungabonakaliswa kusetyenziswe ukuxhamla kweebhanki, ngokwe-website ye-UK yemali. Le yimali.
Ngaba zikhona iindlela ezingasetyenziswayo kwiChip kunye ne-PIN Credit Cards?
Ukuba uhamba kwi-chip kunye ne-PIN ilizwe kwaye ungenayo i-chip ne-PIN yekhadi lesikweletu, unokungathenga izinto kunye neenkonzo. Uya kufuneka uhlele phambili kwaye ulungele ukusebenzisa enye yezi ndlela zokuhlawula:
Imali, ongayifumana kumatshini ochazelayo usebenzisa i-debit card;
Amakhadi eemali ezihlawulwa ngaphambili, njenge-Travelex Multi-Currency Cash Passport;
Amakhadi ase-American Express, awaziwayo ukuba asebenze kwii-kiosk zokuqashisa ngebhayisikili nezinye izitishi zokuhlawula ezingalindelekanga eYurophu;
Uku-odwe ngaphambilini i-tikiti zokuqeqesha, ukuhamba kweMetro, amathikithi omyuziyam, kunye namakhadi okuhlawula. Unokuyalela ezininzi zezi zinto ekhaya ngaphambi kokuba ushiye ehambo lwakho.
Ngaba i-My Chip kunye nePIN yeKhadi leKhadi leKhadi leKhaya eliMagnetti?
Kufuneka, nangona unokujamelana neengxaki kwiipompo zepetroli kunye nezinye indawo ezingalindelekanga ukuba ufake ikhowudi ye-ZIP ye-US ukugqiba ukuthengiselana kwakho. Kwezinye iindawo, ungangena "99999" esikhundleni sekhowudi yangempela ye-ZIP, kwaye ukuthengiselana kwakho kuya kuhamba. Kwabanye, kuya kufuneka ucele umqeshwa ukuba acwangcise inkokhelo yakho.