您的信用卡将如何永远改变

2019-06-13 22:06:20 围观 : 67

  您的信用卡将如何永远改变

  如果您最近意外地通过邮件获得了新的信用卡或借记卡,您可能会想知道原因。可悲的是,它与更优惠的利率或激动人心的新奖励计划无关。相反,它是一种安全升级,最终将我们的旧式卡片与一些现代技术融合在一起。

                  这些新的信用卡和借记卡被称为“芯片和PIN”卡,这要归功于它们上面的微芯片,这些新的信用卡和借记卡可以使您的零售交易比您习惯使用的基于磁条的卡更加安全。 “实际上,正在发生的事情是我们从静态环境转变为动态环境”。万事达卡公司的芯片和PIN卡(也称为EMV卡)的产品交付高级副总裁Carolyn Balfany说。

                  对于美国人来说,芯片和PIN的变化早就应该了。截至去年,83%的西欧消费者拥有芯片卡,而美国购物者仅占7%。法国是第一个采用新卡的国家,它在20世纪80年代就这样做了。但这是美国开始全押的一年。根据VISA提供的信息,行业分析师估计,到今年年底,该国70%的信用卡和41%的借记卡将升级为芯片技术。

                    

                      

                  

                    

                      

                  

                  最初,新的芯片和PIN卡仍将带有磁条。这是因为并非所有零售商都准备接受芯片卡,因此旧技术将会延长一段时间。但是,通过磁性刷卡进行购买意味着您的信用卡号码,到期日期等数据会通过电话线传输到您的银行进行处理。芯片卡交易更安全,因为它们的工作方式不同。当您通过插入芯片卡进行购买时,支付终端会检查您的卡是否为正品。接下来,新类型的支付终端不会发送您的帐户信息,而是生成一次性使用代码(也称为密码),该代码会传输到您的银行以授权您购买。密码图通常包括交易金额,日期,时间,终端ID和其他信息。他们还保留所有数据加密,有助于远离潜在的欺诈者。

                  一些芯片卡还带有点击付费技术,这意味着您根本不需要插入或滑动它们来进行购买。这些非接触式卡片具有看起来像无线电波的小符号,可以像Apple Pay或Android Pay一样工作,而不是点击你的智能手机,你只需挥动你的卡。除了点击与插入之外,这些非接触式卡支付的工作方式与其他芯片和PIN交易一样。

                    

                      

                  

                  但是,看看每个零售商是如何为新的芯片卡做好准备的,当需要付款时,你应该刷卡,蘸还是点按? “技术将引导消费者,”巴尔法尼说。这意味着您仍然可以像今天一样刷卡,如果支付终端能够进行芯片交易,您将在终端上收到提示,以便插入您的卡。你应该轻轻一点,因为你的付款会更加安全。

                  “事实上,关于转型的其他一切都将像我们今天所经历的那样,”巴尔法尼说。

   因此,在付款终端收到您的卡的信息之后,有时您会被问到您的卡是否为信用卡或借记卡,有时您会被要求签名,有时需要提供个人识别码,有时候需要—如果销售是像一包口香糖那样微不足道的话 - —你不会被要求进一步。

                  随着时间的推移,你会看到周围的磁条寄存器越来越少。事实上,美国商家必须在10月之前接受芯片卡,否则他们可能要负责支付在他们的机构进行的任何欺诈性购买,这是发卡银行以前持有的一种责任。即便如此,零售商,特别是较小的零售商,可能需要一段时间才能接受升级成本。但对于购物者来说,没有任何改变—你仍然有一个争论欺诈指控的途径。无论如何,对于所有这些新技术,应该减少欺诈行为。

                    

                      

                  

                    

                      

                  

                  阅读下一篇:这里是为什么你的信用卡现在有一个芯片和你应该关心的原因

                  

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