Oko Kufuneka Ukwazi Nge Chip kunye ne-PIN Credit Cards

I-Chip kunye nePIN yeKhadi leNkcazo ichazwe kwaye ichazwa

I-Chip ne-PIN yamakhadi-mboleko ayibonakali ehluke kakhulu kwikhadi eliqhelekileyo. Kananjalo ungaboni ikhowudi yekhompyutheni, ngamanye amaxesha ngaphakathi kwekhadi. Igcina inombolo yesazisi yomntu (iPIN). Esikhundleni sokutshintsha ikhadi kwaye usayinise ukuthenga, umnikazi wekhadi uhlaba iPIN.

Iip Chip kunye nePIN amakhadi (ngamanye amaxesha abizwa ngokuba yi "Smart Cards") zenzelwe ukukhusela ukukhwabanisa kwekhadi lekhredithi.

Amakhadi omgca wamagnetic angaba "axhunyiwe" usebenzisa ubugcisa obubizwa ngokuba yi-skimming. Ababhenkethi bajongana nale ngxaki yohambo oluqhelekileyo. Kodwa abahlali bala mazwe bajoliswe kuzo. Le nto yayiye ingxaki exhaphakileyo eYurophu ukuba i-chip kunye nePIN iteknoloji yamukelwa ngokuvuya.

I-Chip ne-PIN yeeKhadi zeKhadi leKhadi

Nangona i-teknoloji yokuqala ibambelele e-United Kingdom, sele iyakwamkelwa kwezinye iindawo zeYurophu, kunye ne-Asia, eMzantsi Melika kunye neNyakatho Melika. IKhanada iye yahamba iya kwi-chip kunye ne-PIN inkqubo iminyaka emininzi, njengoko iibhanki zaseMexico. Amazwe angama-50 asebenza kunye nobugcisa.

Iziphumo ziyahluka, kodwa ukukhwabanisa kuye kwathintelwa ngenxa yobuchwepheshe obutsha. Amakhadi e-Cloning kunye ne-chips ayinakwenzeka, njengoko kudala iPIN.

US Switchover Progressing

I-US ayifumananga nenqanaba lokukhwabanisa kunye nokukhwabanisa kwekhadi lekhredithi kufakwe kwamanye amazwe. I- New York Times icaphuna isiCwangciso soPhando kunye noPhando lwe-Javelin i-USD 5.5 yezigidigidi ze-USD ukuguqula onke amakhadi ase-US Kucinganiselwa ukuba imali leyo iya kuhamba ngeentlawulo zokugqibela zentlawulo.

Amakhadi aseBhanki eMelika kunye namakhadi e-Citi Hilton HHonors Reserve athathwe nge-chip ne-PIN technology. Ukunyuswa kwamajelo ezentlalo kuyaqhubeka ukuqokelela inkxaso karhulumente malunga neenguqu eziza kuqinisa ukhuseleko kunye nokunceda amaMerika agweme iingxaki xa ehamba phesheya. Kwabo banamakhadi amatsha, bafumana ezininzi iindawo ezingenazo abafundi be-chip.

Ngenxa yeso sizathu, amakhadi aseMerika ahlala eneempawu eziqhelekileyo kunye ne-chip.

I-Chip ne-PIN: Impembelelo kuhambo lweBhajethi

Abahambi baseMerika abavela ngaphandle bahlala emahotele amahlanu eenkwenkwezi kwaye bajongana nabashicileli babantu kwindawo yokuthengisa badla ukufumana i-chip kunye ne-PIN impembelelo encinci. Iingxaki zenzeka kwiindawo ezizenzekelayo zokuthengiswa-abahamba ngezohlahlo lwabiwo-mali basenokuba nako ukuhamba rhoqo.

Ngokomzekelo, ukuthutha ngobuninzi ngokuqhelekileyo kuyindlela ehamba phambili yokuhamba phakathi kwamaziko eenqwelo-moya kunye neziko leedolophu . Ukuba uya kuthenga isitimela okanye ithikithi lokuthutha izitishi ukusuka kumatshini ozenzekelayo, kungenzeka ukuba ikhadi lakho liya kukhatywa. Ngaphandle nababhalisi abathile babantu baya kukwenqaba nje ikhadi, becinga ukuba akuyi kusebenza.

Kodwa loo nto ayisoloko iyinyani.

Nxusa unobhala ukuba atshintshe ikhadi ngokukhawuleza. Abanye abakhenkethi bayichaza ngokukhawuleza ikhadi "swayipha kwaye usayine" kunokuba i-chip ne-PIN. Iindawo ezihamba phambili zokutyelela ababonayo baseMerika ziza kuba yingxaki engaphezulu kweendawo ezikude - kwakhona, iintlobo zeendawo ezizimeleyo zihamba zihamba.

Iindlela zokujongana ne-Chip ne-PIN Inkinga

1. Yithatha imali eyongezelelweyo: Oku kukude kwisisombululo esihle. Ngenxa yezizathu zokhuseleko, akusiyo imbono enhle ukuhamba ngeemali ezinkulu. Abahambi mababe sele basebenzisa ibhanti yemali ukugcina imali ngaphandle kokufika kwamasela. Esi sicwangciso sibaluleke nakakhulu ukhuseleko lwakho lobuntu ukuba uthetha imali eyongezelelweyo.

1. Gwema iindawo ezithengisayo ezithengisayo: Uthobekile kunokuba wenze, kuba abaninzi abahamba ngebhajethi baxhomekeke kuma-ATM kunye nabathengisi abazenzekelayo abathetha amakhadi ekredithi. Zama ukuthenga izithuthi zokuhamba kunye nezinye izinto ezithengiswayo kwi-intanethi okanye ubuncinci kwangaphambili ukuba kunokwenzeka.
2. Cela inombolo ye-PIN kwikhadi lakho lekredithi: Oku akuyi kudala i-chip yangempela kunye nekhapini yekhadi, kodwa inokukhawuleza inkqubo yokufumana ikhadi lakho kuvunyelwe kwindawo yokuthengisa kwilizwe apho iPIN isetyenziswa ngokuqhelekileyo. Emva kokuba unayo i-PIN, vele ucele ukuba ikhadi liqhutywe ngesandla. Abanye baya kubhikisha, kodwa ngokuqinisekileyo, yinto abanokuyenza kwaye kufuneka bakuyenzele - ngakumbi ukuba bafuna ukuhlawulwa.
3. Yazi indlela i-chip kunye ne-PIN ehlala ngayo kwindawo oya kuyo: UBukumkani baseUnited Kingdom buyenze kakhulu kwi-chip kunye ne-PIN technology. Kusetyenziswa ngokubanzi. I-Canada yenza ishintsho, kodwa iip chip kunye nePIN amakhadi aphantsi kakhulu kunoko e-UK Amanye amazwe afana ne-Italia, i-China kunye ne-Indiya nazo ziyahamba kwi-chip kunye ne-PIN. Qhagamshelana nolwazi oluhlaziyiweyo lokuya kwakho.