Okudingeka Ukwazi Nge-chip ne-PIN Credit Cards

I-Chip ne-PIN Amakhadi Kesikweletu Achazwe Futhi Achazwa

I-chip ne-PIN amakhadi esikweletu awabonakali ahluke kakhulu kwikhadi elijwayelekile. Ungase futhi ungaboni ikhodi yekhompiyutha, ngezinye izikhathi ngaphakathi kwekhadi. Igcina inombolo yomuntu siqu (PIN). Esikhundleni sokuswayipha ikhadi bese usayina ukuthenga, umnikazi wekhadi uphonsa iPIN.

I-chip kanye ne-PIN amakhadi (ngezinye izikhathi abizwa ngokuthi "ama-Smart Cards") aklanyelwe ukuvimbela ukukhwabanisa ngekhadi lesikweletu.

Amakhadi omgqa wamaginethi angahle a "cloned" esebenzisa inqubo ebizwa nge-skimming. Abavakashele babhekene nalesi sigameko esivamile sokuhamba . Kodwa izakhamizi zala mazwe nazo zihloselwe. Lokhu kwaba yinkinga enkulu kangaka eYurophu ukuthi i-chip ne-PIN ubuchwepheshe bamukeleka ngenjabulo.

I-Chip ne-PIN Amakhadi Ekhadi Lesikweletu

Yize ubuchwepheshe buqala kuqala e-United Kingdom, bulokhu buvunyelwe kwezinye izingxenye zaseYurophu, kanye nase-Asia, eNingizimu Melika naseNyakatho Melika. I-Canada ibilokhu ihambela ohlelweni lwe-chip ne-PIN iminyaka eminingana, njengamabhange aseMexico. Amazwe angaba ngu-50 asebenza nobuchwepheshe.

Imiphumela iyahluka, kodwa ukukhwabanisa kuvinjelwe ngenxa yobuchwepheshe obusha. Amakhadi e-Cloning ane-chips ayinakwenzeka, njengokufaka i-PIN.

Ukuthuthukiswa kwe-US Switchover

I-US ayizange ibone izinga lokukhwabanisa nokukhwabanisa kwekhadi lesikweletu elitholakala kwamanye amazwe. I- New York Times icaphuna isamba se-Javelin Strategy and Research esilinganiselwa ku-$ 5.5 billion USD ukuze kuguqulwe wonke amakhadi ase-US Kulinganiselwa ukuthi imali eningi izohamba ngezinkampani ezintsha zokukhokha.

Amakhadi e-Bank of America namakhadi e-Citi Hilton HHonors Reserve akhishwa nge-chip ne-PIN technology. Ukunyakaza kwezokuxhumana kwezenhlalakahle kuqhubeka ukuqoqa ukusekelwa komphakathi kwezinguquko ezizoqinisa ukuphepha nokusiza abaseMelika bagweme izinkinga lapho behamba phesheya. Kulabo abanamakhadi amasha, bathola izindawo eziningi abanalo abafundi be-chip.

Ngenxa yalesi sizathu, amakhadi aseMelika ahlale enomshini wamagnetic kanye ne-chip.

I-Chip nePIN: Impembelelo ku-Travel Budget

Abahambi baseMelika abahlala phesheya abahlala emahoreni amahlanu ezinkanyezi futhi babhekane nabakhiqizi babantu ekuthengiseni ngokuvamile bathola ukuthi i-chip ne-PIN nomthelela omncane. Izinkinga zenzeka kumaphoyinti okuzenzekelayo okuthengiswayo - izindawo ezihamba ngebhajethi ezihamba phambili zivame ukuhamba njalo.

Isibonelo, ukuhamba ngamanzi ngokuvamile kuyindlela ehamba phambili kakhulu yokuhamba phakathi kwezindiza zezindiza kanye nendawo yedolobha . Uma uzobe uthenga isitimela noma amathikithi omphakathi wendawo yokuhamba ukusuka kumshini ozenzakalelayo, kungenzeka ukuthi ikhadi lakho lizonqatshwa. Ngisho namabhalane abanye abantu abomane abenqabe ikhadi, becabanga ukuthi ngeke lisebenze.

Kodwa lokho akulona iqiniso ngaso sonke isikhathi.

Nxusa umabhalane ukuba aswayiphe ikhadi. Abanye abahambayo bawachazela nje ikhadi "swayipha futhi usayine" esikhundleni se-chip ne-PIN. Izindawo zokuvakashelwa ezidumile ezibona izivakashi zaseMelika zizoba nenkinga encane kunezindawo ezikude - futhi, izinhlobo zezivakashi ezizimele zivame ukuvakashela.

Izindlela Zokubhekana Ne-Chip ne-PIN Inkinga

1. Thatha imali eyengeziwe: Lokhu akude nesisombululo esihle. Ngezizathu zokuphepha, akuwona umqondo omuhle ukuhamba ngemali eningi yemali. Abahambi kufanele basebenzise kakade ibhande lemali ukugcina imali ngaphandle kokufika kwamasela. Leyo ndlela ibaluleke nakakhulu ekuvikelekeni kwakho siqu uma uphatha imali eyengeziwe.

1. Gwema amaphuzu okuzenzekelayo okudayiswa: Okulula kunokuba kwenziwe, ngoba abaningi abahamba ngebhajethi bathembele kuma-ATM kanye nabathengisi abazenzekelayo abathatha amakhadi esikweletu. Zama ukuthenga ukuhamba kwezitimela kanye nezinye izinto zokuthengiselana ku-intanethi noma okungenani kusengaphambili uma kunokwenzeka.
2. Cela inombolo ye-PIN yekhadi lakho lesikweletu: Lokhu akufaki i-chip yangempela nekhadi lephini, kodwa kungasheshisa inqubo yokuthola ikhadi lakho kuvunyelwe endaweni yokuthengisa ezweni lapho iPIN isetshenziswa kakhulu. Uma unayo i-PIN, vele ucele ukuthi ikhadi lihlolwe ngesandla. Abanye bayobhikisha, kodwa ngokweqiniso, kuyinto abangayenza futhi okufanele bakwenzele - ikakhulukazi uma befuna ukukhokhwa.
3. Yazi ukuthi i-chip nePIN evelele kangakanani lapho uya khona: I-United Kingdom yenza okuningi nge-tech ne-PIN technology. Kusetshenziswa kabanzi. I-Canada yenza ushintsho, kepha i-chip ne-PIN amakhadi ayanda kakhulu kunalokho e-UK Amanye amazwe afana ne-Italy, i-China ne-India nawo ayahamba ngaphakathi kwe-Chip ne-PIN. Bheka ulwazi olusha olwakho lokuya khona.