Dab tsi yog Chip thiab PIN Credit Card?
Muaj ntau lub teb chaws, suav nrog feem ntau ntawm cov tebchaws Europe, Nyiv, Mexico thiab Brazil, tau siv chip thiab pin credit card technology , uas tau hais tias yuav tsum muaj kev ruaj ntseg ntau dua cov khoom siv hlau nplaum sib txuas. Ib lub nti thiab PIN daim credit card, qee zaum hu ua "credit card", muaj ib lub microchip embedded uas yuav tsum muaj tus cim tus kheej, lossis PIN, rau kev siv kos npe.
Chip thiab PIN cov credit card kuj muaj cov khoom sib nqus hlau siv rau hauv Tebchaws Meskas thiab lwm lub tebchaws uas tsis tau hloov lawv cov credit card processors thiab ATMs los txais cov tswv yim ntawm cov neeg PINs.
Yuav Kuv Cov Hlau Sib Thoob Credit Card Ua Haujlwm Hauv Ib Chip thiab PIN Lub Tebchaws?
Visa thiab MasterCard xav tau cov tub lag luam hauv chip thiab PIN lub teb chaws los tseem lees txais nyiaj ntau daim credit card, uas txhais tau hais tias koj yuav tsum tsis txhob muaj teeb meem siv ib lub tshuab nqus hlau nplaum lossis nti thiab kos npe credit card ntawm cov chaw ntiav pw thiab cov khw.
Tej teeb meem yuav tshwm sim thaum koj sim siv cov khoom sib nqus nplhaib los yog nti thiab daim npav kos npe ntawm cov chaw them nyiaj tsis muaj kev sib tham, xws li tsheb thauj khoom kiosks, chaw nres tsheb, chaw nres tsheb kauj vab thiab tollbooths. Yog tias tsis muaj ib tug neeg nyob hauv tsev los ua koj daim npav nyiaj xuab zeb, koj yuav siv tsis tau koj daim credit card txhua qhov.
Puas muaj Cov Neeg Asmeskas Cov Nyiaj Them Nqi Them thiab PIN Credit Card?
Nyob rau 2015, credit card issuers pib muab nti thiab npib PIN rau lawv cov neeg hauv Teb Chaws Asmeskas.
Ua ntej lub sijhawm ntawd, qee cov koomhaum Asmeskas cov tsev koom nyiaj thiab lub tsev txhab nyiaj tau pib xeem tus lej thiab PIN credit card nrog cov pawg neeg xaiv. Txawm li cas los xij, raws li kev sau ntawv no, feem coob ntawm Teb Chip thiab PIN npav tsis tau muab rau PIN; koj yuav tsum thov nws los ntawm koj lub tsev txhab nyiaj lossis tuam txhab credit card. Qhov no txhais tau hais tias cov ntawv ntim thiab cim PIN yog siv los ua tus lej thiab cov ntawv kos npe.
Yog tias koj npaj yuav taug kev tawm sab nraum Teb Chaws Asmeskas, tiv tauj koj tus neeg ua lag luam (credit card issuer) thiab thov kom muaj plaub tug lej PIN. Yog tias txoj kev xaiv no muaj nyob hauv koj daim yuaj credit card, nws yuav them taus rau koj qib kev tiv thaiv kev dag.
Hais txog Chip thiab Xee Daim Ntawv Xee npe?
Chip thiab kos npe credit card yog tiv thaiv los ntawm microchip technology, tab sis tseem xav tau ib tus neeg kos npe. Anecdotal cov ntaub ntawv qhia tau hais tias cov neeg siv tau ntsib teeb meem sim them nrog nti thiab kos npe cov npe ntawm cov chaw them tsis muaj neeg nyob hauv Europe. Thaum cov chaw ntiav pw thiab cov khw noj mov, cov ntawv ntiav thiab kos npe kos npe yeej tau txais.
Yog Chip thiab PIN Credit Cards Safer Than Magnetic Stripe Cards?
Qhov loj muag khoom rau nti thiab tus PIN tshuab yog ntxiv kev tiv thaiv kev dag tau los ntawm daim card microchip. Nyob rau lub Ob Hlis 2010, Cambridge soj ntsuam ntawm Ross Anderson, Steven Murdoch, Saar Drimer thiab Mike Bond tau tshaj tawm tias cov ntiv taw thiab PIN credit card muaj kev ywjpheej nyab xeeb uas muaj peev xwm tso cai rau tus neeg ua txhaum uas yog tus neeg nyeem ntawv ua tus xav PIN siv tau, thaum qhov tseeb, nws tsis tau.
Yog tias koj daim npav rho nyiaj siv tsis tau koj kev tso cai, koj lub teb chaws cov cai tiv thaiv kev tiv thaiv neeg tuaj yeem txwv koj txoj cai. Piv txwv li, hauv Teb Chaws Asmeskas, Txoj Cai Tswjfwm E tivthaiv cov neeg tau txais kev pabcuam los ntawm kev siv foob rau hauv lawv cov account hauv txhab nyiaj, txo qiv nyiaj rau $ 50 yog tias tus tub sab yuav raug qhia tsis pub dhau ob hnub ua haujlwm.
Nyob rau hauv UK, lub tsev txhab nyiaj yuav tsum them nyiaj rov qab rau cov neeg tau txais txiaj ntsig, tab sis ib lub chaw nyob hauv kev cai lij choj uas tso cai rau cov tsev txhab nyiaj kom tsis txhob them nyiaj rov qab yog tias "lub luag haujlwm tsis zoo" yuav raug siv rau lub tsev txhab nyiaj kom zoo,
Puas Muaj Kev Xaiv Los rau Chip thiab PIN Credit Card?
Yog tias koj tab tom mus rau ib lub chaw ntiv taw thiab tus PIN thiab tsis muaj ib lub ntiv tes thiab PIN credit card, koj tseem tuaj yeem yuav cov khoom muag thiab cov kev pabcuam. Koj yuav tsum tau npaj ua ntej thiab npaj tau los siv ib qho ntawm txoj kev them nyiaj:
Nyiaj ntsuab, uas koj tuaj yeem tau los ntawm ib lub cav siv lub tshuab ntaus ntawv siv koj daim debit card;
Cov ntawv them ua ntej, xws li Travelex Multi-Currency Nyiaj Passport;
American Express cards, uas tau raug ua hauj lwm hauv tsheb kauj vab xos kiosks thiab lwm cov chaw them nyiaj hauv cov tebchaws Europe;
Npaj kom muaj tsheb npav thauj, Daim pib caij tsheb, daim pib kos duab, thiab cov npav tooj hu. Koj tuaj yeem hais ntau yam ntawm cov khoom no hauv tsev ua ntej koj tawm ntawm koj qhov kev mus ncig.
Yuav Ua Rau Kuv Chip thiab PIN Credit Card Ua Hauj Lwm Hauv Lub Nruab Nrab Sib Ntaus?
Nws yuav tsum, txawm tias koj tuaj yeem ntsib teeb meem ntawm cov chaw muag khoom roj tsheb thiab lwm cov chaw tsis muaj neeg uas xav kom koj nkag mus rau hauv Teb Chaws Asmeskas ZIP code kom tiav koj cov nqi. Nyob rau qee qhov chaw, koj tuaj yeem nkag mus "99999" rau ntawm lub ZIP code tiag tiag, thiab koj cov nqi yuav mus los. Ntawm lwm tus, koj yuav tsum tau nug tus neeg ua haujlwm kom ua koj cov nyiaj.