Chimene Mukuyenera Kudziwa pa Chip ndi PIN Makhadi

Chip ndi PIN Zokongoletsera Zofotokozedwa ndi Kufotokozedwa

Chip ndi PIN za makadi a ngongole sizimawoneka kuti n'zosiyana kwambiri ndi khadi labwino. Inunso simungakhoze kuwona chipangizo cha makompyuta, chomwe nthawi zina chiri mkati mwa khadi. Zimasunga nambala yodziwika (PIN). M'malo mozembera khadi ndi kulemba kugula, cholembera cha khadi chimamenyera mu PIN.

Zipangizo za Chip ndi PIN (zomwe nthawi zina zimatchedwa "Makhadi Okhwima") zimapangidwira kuteteza chinyengo cha khadi la ngongole.

Makhadi opanga maginito akhoza "kuikidwa" pogwiritsa ntchito njira yotchedwa skimming. Alendo ankayendayenda ndi zovuta zowendayenda . Koma anthu okhala m'mayikowa adalangizidwa. Izi zinali zovuta kwambiri ku Ulaya kuti chipangizo cha Chip ndi PIN chinalandiridwa mokondwera.

Chip ndi Makhalidwe a Makhalidwe a PIN

Ngakhale kuti teknolojiyi inayamba kugwira ntchito ku United Kingdom, idakonzedwanso m'madera ena a ku Ulaya, komanso Asia, South America ndi North America. Canada wakhala akusunthira ku chip ndi PIN dongosolo kwa zaka zingapo, monga mabanki ku Mexico. Mayiko pafupifupi 50 akugwira ntchito ndi luso.

Zotsatira zimasiyana, koma chinyengo chaletsedwa chifukwa cha teknoloji yatsopano. Makhadi okhomerera ndi chips ndizosatheka, monga kukhazikitsa PIN.

US Switchover Kupititsa patsogolo

A US sanaonepo mlingo wachinyengo ndi makhadi a ngongole omwe amapezeka m'mayiko ena. Nyuzipepala ya New York Times inalongosola za Strategic and Research Research (Javelin Strategy and Research) yomwe ikuwerengera $ 5.5 biliyoni USD kuti mutembenuze makhadi onse ku US. Zikuwerengedwa kuti ndalama zambiri zikanatha kumaliza malipiro atsopano.

Makhadi a Bank of America ndi makadi a Citi Hilton HHonors Reserve amaperekedwa ndi chipangizo cha Chip ndi PIN. Mapulogalamu othandizira anthu akuthandizira kuthandizira anthu kuti azitha kusintha zomwe zidzalimbitsa chitetezo ndikuthandiza Amerika kupeŵa mavuto pamene akuyenda kunja. Kwa iwo omwe ali ndi makadi atsopano, iwo amapeza malo ambiri alibe owerenga chip.

Pa chifukwa chimenechi, makadi a ku America nthawi zambiri amakhala ndi maginito komanso chip.

Chip ndi PIN: Zotsatira pa Kuyenda kwa Ndalama

Ambiri ochokera ku America omwe amakhala ku hotelo za nyenyezi zisanu ndipo amakumana ndi anthu ogulitsa zinthu pamsika amagula chipangizo ndi chipangizo cha PIN chochepa. Mavuto amapezeka pazinthu zogulitsidwa - malo omwe anthu oyendetsa bajeti amawonekera nthawi zambiri.

Mwachitsanzo, kayendetsedwe kazitali ndi njira yabwino kwambiri yoyenderera pakati pa ndege ndi pakati pa mzinda . Ngati mutakhala ndikugula sitima kapena matikiti amtundu wochokera ku makina osinthika, ndizotheka khadi lanu lidzakanidwa. Ngakhale makalata ena aumunthu adzakana chabe khadi, poganiza kuti sichitha kugwira ntchito.

Koma izi siziri zoona nthawi zonse.

Mulimbikitseni mlaliki kuti aziwombera khadi. Omwe amangowafotokozera chabe khadi ndi "kusinthana ndi kusayina" osati chip ndi PIN. Madera otchuka omwe amawona alendo a ku America adzakhala opanda vuto kusiyana ndi malo akutali - kachiwiri, malo amodzi omwe amalendayenda okhaokha amayendera.

Njira Zothana ndi Chip ndi PIN Vuto

1. Tengani ndalama zowonjezera: Izi siziri njira yabwino yothetsera. Chifukwa cha chitetezo, sikuli bwino kuyenda ndi ndalama zambiri. Oyendayenda ayenera kale kugwiritsira ntchito lamba la ndalama kuti asawononge ndalama zowonongeka ndi mbala. Njira imeneyi ndi yofunika kwambiri pa chitetezo chanu ngati mutanyamula ndalama zina.

1. Pewani malonda ogulitsa: Zowonjezera zomwe sizinapangidwe, chifukwa ambiri omwe amayenda bajeti amadalira ATM ndi ogulitsa okha omwe amatenga ngongole. Yesetsani kugula zinthu zapamtunda ndi zina zoterezi pa intaneti kapena pasadakhale ngati n'kotheka.
2. Funsani nambala ya PIN pa khadi lanu la ngongole: Izi sizimapanga chipangizo chowonadi ndi pinipi, koma zikhoza kufulumira njira yovomerezera khadi lanu pa malo ogulitsidwa m'dziko limene PIN imagwiritsidwa ntchito. Mukangokhala ndi PIN, pemphani kuti khadi likonzedwe. Ena amatsutsa, koma kwenikweni, ndizo zomwe angathe komanso ayenera kukuchitirani - makamaka ngati akufuna kulipira.
3. Dziwani momwe chipangizo ndi chipangizo cha PIN zakhala zikuwonekera pamene mukupita: United Kingdom yathandiza kwambiri chipangizo cha Chip ndi PIN. Ndigwiritsidwe ntchito mofala. Canada ikupanga kusintha, koma Chip ndi PIN makadi ndi zochepa kwambiri kumeneko kuposa ku UK Maiko ena monga Italy, China ndi India akusunthira mu Chip ndi PIN direction. Fufuzani zambiri zatsopano zomwe mukupita.