Iyini i-Chip ne-PIN Credit Card?
Amazwe amaningi, kuhlanganise neningi lasentshonalanga yeYurophu, eJapane, eMexico naseBrazil, asemukele ubuchwepheshe bekhredithi namakhadi wekhadi lesikweletu , okuthiwa uvikeleke kakhulu kunezobuchwepheshe bomdabu wamagnetic. I-chip ne-PIN yekhadi lesikweletu, ngezinye izikhathi elibizwa ngokuthi "i-smart" credit card, lifaka i-microchip ehlanganisiwe edinga inombolo yokuhlonza yomuntu siqu, noma iphinikhodi, ukuze isetshenziswe esikhundleni sesignesha.
I-chip ne-PIN amakhadi wesikweletu nawo anemigqa yamagnetic ukuze asetshenziswe e-US nakwamanye amazwe angazange aguqule abacwaningi bekhadi labo lesikweletu kanye nama-ATM ukwamukela ukufakelwa kwama-PINs amakhasimende.
Ingabe i-My Magnetic Stripe Credit Card isebenza nge-Chip ne-PIN Country?
I-Visa ne-MasterCard idinga abathengisi ku-chip nakwamanye amazwe we-PIN ukuthi nabo bayamukele inkokhelo yamakhadi esikweletu semikhakha, okusho ukuthi akufanele ube nenkinga usebenzisa umugqa wamagnetic noma i-chip kanye nekhadi lesikweletu lesiginali emahhotela nakwezokudlela.
Izinkinga zingase zenzeke uma uzama ukusebenzisa umshini wamagnetic noma i-chip namakhadi esikweletu esignesha ezindaweni ezingakhokhwanga, njengezitokisi zamathikithi ezitimela, ukupaka izimoto, iziteshi zokuqashisa ngebhayisikili nama-tollbooths. Ngaphandle komuntu esiteshini ukucubungula ukukhokhelwa kwekhadi lakho lesikweletu semakethe, ngeke ukwazi ukusebenzisa ikhadi lakho lesikweletu.
Ingabe Yimuphi Amabhange ase-US anikeza i-Chip ne-PIN amakhadi esikweletu?
Ngo-2015, abanikezeli bekhadi lesikweletu baqala ukuhlinzeka ngamakhadi namakhadi we-PIN kumakhasimende abo ase-US.
Ngaphambi kwaleyo nkathi, izinyunyana zabaningi zezinkampani zase-US namabhange aqala ukuhlola chip kanye nokusetshenziswa kwekhadi lesikweletu se-PIN namaqembu akhethiwe amakhasimende. Kodwa-ke, njengale mibhalo, iningi lama-chip ne-PIN amakhadi ase-US awakhishwa nge-PIN; kufanele ucele kusuka ebhange lakho noma inkampani yekhadi lesikweletu. Lokhu kusho ukuthi lezi zakhadi namakhadi we-PIN asetshenziswa njengama-chip namakhadi wesignesha.
Uma uhlela ukuhamba ngaphandle kwe-US, xhumana nomklomelo wakho wekhadi lesikweletu bese ucela i-PIN yamadijithi amane. Uma lokhu kukhethwa kuyatholakala ngomklomelo wakho wekhadi lesikweletu, kuzokukhokhela izinga eliphakeme lokuvikela ukukhwabanisa.
Kuthiwani Ngamakhadi Nezinhlamvu?
Amakhadi esikweletu we-Chip ne-signature avikelwe yi-microchip ubuchwepheshe, kepha namanje zidinga isignesha yamakhasimende. Imibiko ye-Anecdotal ikhombisa ukuthi abasebenzisi bahlangabezane nezinkinga ezizama ukukhokha nge-chip kanye namakhadi wesignesha ezindaweni ezingakhokhisiwe zokukhokha eYurophu. Emahoreni nasezindaweni zokudlela, amakhadi we-chip nesignesha avunyelwe kalula.
Ingabe i-Chip ne-PIN Credit Cards iphephile kuneMagnetic Stripe Cards?
Iphoyinti elikhulu lokuthengisa le-chip ne-PIN technology yi-ukukhushulwa okukhudlwana ngokukhwabanisa okuhlinzekwa yi-microchip yekhadi. Ngo-Ephreli 2010, abacwaningi baseCambridge uRoss Anderson, uSteven Murdoch, uSaar Drimer noMike Bond bamemezele ukuthi i-Chip ne-PIN credit card ine-flaw yokuphepha engavumela isigebengu se-savvy ukukhohlisa umfundi wekhadi ekucabangeni iPIN evumelekile, uma Iqiniso, alinalo.
Uma inombolo yakho yekhadi lesikweletu lisetshenzisiwe ngaphandle kwemvume yakho, imithetho yokuvikela abathengi yezwe lakho inganciphisa umthwalo wakho. Isibonelo, e-US, uMthethonqubo E uvikela abathengi ukuthi bangaba ukweba nge-elekthronikhi kuma-akhawuntini abo asebhange, ukukhawulela ukukhokha ku-$ 50 uma ukweba kubikwe ezinsukwini ezimbili zebhizinisi.
E-UK, amabhange kumele abuyisele amakhasimende ngokuthengiswa kwemikhuba yokukhwabanisa, kodwa umyalelo ovumela amabhange ukuba agweme ukubuyisela uma "ukunganaki okujulile" kungase kutholakale ukuthi kusetshenziselwa inzuzo yebhange, ngokusho kwewebhusayithi yezimali yase-UK Le Mali.
Zikhona yini izindlela ezihlukile zokufaka i-Chip ne-PIN Credit Cards?
Uma uhamba endaweni ye-chip ne-PIN futhi ungenayo i-chip ne-PIN yekhadi lesikweletu, usengathenga izimpahla namasevisi. Kuzodingeka uhlele phambili futhi ulungele ukusebenzisa enye yalezi zindlela zokukhokha:
Cash, ongayithola kusuka kumshini wokutshela okuzenzakalelayo usebenzisa ikhadi lakho lokukhipha imali;
Amakhadi wemali ekhokhelwa ngaphambilini, njenge-Travelex Multi-Currency Cash Passport;
Amakhadi ase-American Express, awaziwa ukuthi asebenza kuma-kiosks aqashisayo okuqashisayo nezinye iziteshi zokukhokha ezingalindelekile eYurophu;
Mahhala Oku-odwe ngaphambilini amathikithi isitimela, Metro kudlula, amathikithi Museum, kanye namakhadi. Ungalawula eziningi zalezi zinto ekhaya ngaphambi kokuba ushiye ohambweni lwakho.
Ingabe i-My Chip nePIN Credit Card Work ku-Country Magnetic Stripe?
Kufanele, nakuba ungase ubhekane nezinkinga emaphoyiseni e-gas station kanye nezinye izindawo ezingalindelwe ukuthi zifake ikhodi ye-ZIP ye-US ukuqedela ukuthengiselana kwakho. Kwezinye izindawo, ungangena "99999" esikhundleni sekhodi yangempela ye-ZIP, futhi ukuthengiselana kwakho kuzoqhubeka. Kwabanye, kuzodingeka ucele isisebenzi ukucubungula inkokhelo yakho.