Chip thiab PIN Credit Cards Txhais thiab Piav Qhia
Chip thiab PIN credit card tsis tuaj yeem txawv txav deb ntawm daim card. Koj kuj tsis pom lub tshuab hluav taws xob, uas qee zaus hauv daim card. Nws khaws cov ntawv pov thawj ntawm tus kheej (PIN). Tsis txhob swiping daim npav thiab kos npe rau ib qho yuav khoom, daim npav daim yas punches hauv tus PIN.
Chip thiab PIN cards (qee zaum hu ua "Cov Ntawv Ntsuas") yog tsim los tiv thaiv cov credit card kev dag.
Sib nqus strip ntawv ua tau "cloned" siv ib qho kev hu ua skimming. Cov neeg tuaj saib xyuas nrog rau qhov kev coj mus tshaj tawm no . Tab sis cov neeg nyob hauv cov tebchaws no kuj tau tsom. Qhov no tau ua ib qho teeb meem thoob plaws nyob rau hauv Tebchaws Europe hais tias kheev thiab PIN tshuab zoo siab txais tos.
Chip thiab PIN Credit Card Lub teb chaws
Txawm hais tias lub tshuab thawj zaug tau tuav hauv tebchaws United Kingdom, nws tau txais txij li tau txais nyob rau lwm qhov ntawm Tebchaws Europe, nrog rau Asmeskas, South America thiab North America. Canada tau tsiv mus rau ib tug nti thiab PIN system rau ob peb lub xyoo, raws li yog cov nyiaj hauv Mexico. Txog li 50 lub teb chaws ua hauj lwm nrog cov tshuab.
Cov kev sib tw tau sib txawv, tab sis kev dag tau raug tiv thaiv vim qhov kev siv tshuab tshiab. Cov ntawv teev xov qia nrog daim tawv nqaij tsis tuaj yeem ua tsis tau, xws li ntaus PIN.
Tebchaws Meskas Hloov Txoj Kev Hloov
Tebchaws Asmeskas tsis tau paub txog theem kev poob siab thiab credit card kev dag nyob hauv lwm lub teb chaws. Lub New York Times quotes Javelin Tswvyim thiab Kev Tshawb Fawb kev kwv yees ntawm $ 5.5 billion USD los hloov tag nrho cov ntawv hauv Teb Chaws Asmeskas Nws yog kwv yees ntau ntawm cov nyiaj yuav mus rau cov nyiaj them poob haujlwm tshiab.
Bank of America phaib thiab Citi Hilton HHonors Reserve cards yog xa nrog nti thiab tus PIN tshuab. Tsoom fwv cov kev sib txoos tuaj yeem sau cov kev txhawb pej xeem rau cov kev hloov uas yuav ua kom muaj kev ruaj ntseg thiab pab Americans kom tsis txhob muaj teeb meem thaum mus txawv tebchaws. Rau cov neeg uas muaj daim npav tshiab, lawv nrhiav tau ntau qhov chaw tsis muaj cov nti nyeem ntawv.
Vim li ntawd, Asmeskas cov ntawv feem ntau muaj sib txuam sib nqus thiab cov ntiv tes.
Chip thiab PIN: Feem cuam tshuam rau Nyiaj Txiag
Cov neeg tuaj ncig tebchaws Asmeskas cov neeg tuaj yeem nyob hauv cov tsev so tsib lub tsev tos qhua thiab kam nrog tib neeg cashiers ntawm qhov muag feem ntau pom tus nti thiab tus PIN yam tsawg heev. Cov teeb meem tshwm sim ntawm cov ntsiab lus ntawm qhov muag - qhov chaw cov neeg taug kev pheej yig muaj feem ntau heev.
Piv txwv li, kev thauj mus los tsuas yog siv txoj hauv kev tshav dav hlau thiab nruab nrab ntawm lub nroog . Yog tias koj yuav yuav tsheb ciav hlau los sis hauv chaw sib txawv hauv zos los ntawm lub tshuab kaw cia, nws yuav ua rau koj daim npav tsis kam. Txawm tias ib txhia neeg clerks yuav tsis kam lees daim npav, xav tias nws yuav tsis ua haujlwm.
Tab sis qhov no tsis yog qhov tseeb.
Tiv thaiv ib tus neeg nplua mam txhawm rau xa daim ntawv no. Qee cov neeg ncig tebchaws piav txog daim npav yog "swipe thiab sign" es tsis yog nti thiab tus PIN. Cov chaw ncig tebchaws tuaj ncig tebchaws uasi pom cov American qhua tuaj yeem yuav tsis muaj teeb meem ntau tshaj qhov chaw nyob deb - dua, cov chaw ntawm cov neeg ywj pheej ywj pheej pheej mus ncig xyuas.
Txoj Kev Yuav Tiv Thaiv nrog Chip thiab PIN Qhov teeb meem
- Nqa tau nyiaj ntxiv: Qhov no yog deb ntawm kev daws teebmeem. Rau kev ruaj ntseg, nws tsis yog ib lub tswv yim zoo uas taug kev nrog cov nyiaj ntau ntawm cov nyiaj. Cov neeg taug kev tuaj yeem yuav tsum tau siv cov nyiaj siv nyiaj kom tsis txhob tuaj txog ntawm cov tub sab. Qhov ntawd yog qhov tseem ceeb tshaj plaws rau koj tus kheej kev ruaj ntseg yog tias koj nqa nyiaj ntxiv.
- Txhob cia cov ntsiab lus muag ntawm qhov muag: Ib qho yooj yim hais dua li ua tiav, vim hais tias feem ntau cov neeg taug kev pheej yig nyob ntawm ATMs thiab cov neeg muag khoom muag uas siv cov credit card. Sim ua kom tau kev yuav khoom rau cov tsheb ciav hlau thiab lwm yam kev lag luam online los yog tsawg kawg yog ua ntej yog ua tau.
- Thov tus nab npawb PIN rau koj daim npav rho nyiaj: Qhov no TSIS tsim qhov tseeb chip thiab daim npav PIN, tab sis nws yuav ua kom koj daim npav pom zoo ntawm qhov chaw muag khoom nyob rau hauv ib lub teb chaws uas siv tus PIN ntau zaus. Thaum koj muaj tus leb PIN, tsuas yog thov kom daim npav ua haujlwm ntawm tes. Ib txhia yuav tawm tsam, tab sis technically, nws yog ib yam uas lawv ua tau thiab yuav tsum ua rau koj - tshwj xeeb yog lawv xav kom them nyiaj.
- Paub tias lub tsho tshaj tawm thiab tus PIN tau ua li cas rau hauv koj lub hom phiaj: Lub tebchaws United Kingdom tau ua ntau tshaj nrog nti thiab tus PIN tshuab. Nws yog siv thoob plaws. Tebchaws Canada tab tom hloov, tiam sis tus lej thiab tus npav PIN muaj tsawg dua nyob rau hauv UK Lwm lub teb chaws xws li Ltalis, Tuam Tshoj thiab Is Nrias teb kuj txav mus rau hauv nti thiab PIN kev taw qhia. Saib cov ntaub ntawv kho tshiab rau koj lub hom phiaj.