Shamba rekadhi rechikwereti reUnited States riri kuenda kune imwe nzira yakachengeteka yekadhi rechikwereti - EMV chikwereti chekwereti, inonziwo chip-and-PIN kana chip-uye-kusina makadhi emakadhi.
Iwe unogona kunge watogamuchira kadhi kadi mutsamba inenge yakaita sekadhi yako yekare, asi ine nhare yesimbi yakatarisana nepamusoro pekadhi nhamba (izvo iwe unoona ndezvekudzivirira kwekudzivirira kwe chip).
Chii chinonzi EMV Credit Card uye Nei Chiine Chip?
IEV chip card yechikwereti - yakanzi ye Europay, MasterCard, uye Visa, iyo makambani akasika zvigaro - ndeyekwereti yakachengetedza kadhi.
Saizvozvowo kune magnetic strip pamakadhi enyu emakadhi emakadhi, chip chi pa EMV chikwereti chekwereti chinopa ruzivo rwekadhi rako rechikwereti uye rinotumira mashoko kune vatsigiri vebhadharo nenzira inonetsa kune vanopara mhosva kuti vashandise uye vashandise.
Iyo chip technology ichashandura nzira yaunoshandisa yako kadhi rechikwereti mune zvakawanda zvinotarisana nekutarisana, asi zvimwe zvose zvinoramba zvakafanana.
Mashandisiro Aungaita Evha yako EMV Credit Card
Paunenge uchitenga ne EMV kadhi rechikwereti pane imwe nzvimbo yekugonesa yakagadzirirwa EMV, pane slot iri pasi pechipikisi chenhamba apo iwe "unonyorera" yako kadhi rechikwereti. Isa kadhi rako rechikwereti mu slot uye uite zvinokurudzira pahwindo. Iwe unofanira kusiya kadhi yako ipapo kusvikira mutengesi wanyatsogadziriswa; haisi kufamba-famba-uye-kuenda sezvinoita magnetic strip.
Kuchengeta kunze kunogona kutora nguva shoma kupfuura yaunoshandiswa, kunyanya sezvo makadhi uye vashandi vanowanzoshandiswa pakuita mutsva.
Kana iwe uri pamagetsi asina EMV-akabvumira, pasinei nokuti une EMV chikwereti chekwereti kana kwete, unofanira kushandura kadhi yako mune imwe nzira yekukurumidza kuti upedze mutengesi.
Kutenga kwepaIndaneti kunoda kuti iwe uise nhamba yako yekadhi yemakadhi, nguva yekupera, kodhi yezvokuchengetedza, uye kero yekubhadhara.
Iwe Haunoda PIN, yeNhasi
A chip-na-PIN shanduro yemakadhi EMV yakashandiswa kwemakore kune dzimwe nyika. Aya makadhi anoshandisa chip teknolojia uye inoda kuti muchengeti ave nepini yekutengesa kadhi rako rechikwereti, zvakafanana nezvamunoita kana ukashandisa kadi yako yebhengi se "debit."
Shamba rekadhi rechikwereti reU.S. rinotamira kune chip-uye-signature , zvinoreva kuti iwe uchanyorera kadhi rako rechikwereti sekutenga sezvaunogara uine. Imwe nyanzvi inogona kutora chip-na-PIN yemakadhi emakwereti pane imwe nguva munguva yemberi.
Kana kadhi yako isingatauri, iwe uchaona chiratidzo chisingatauri pamberi pekadhi. Iwe unogona kungoisa kadhi rako rechikwereti pane muchengeti wekadhi rechikwereti kuti apedze mutengesi wako.
Chii Chinoita EMV Makadhi Akachengeteka?
EMV makadhi echikwereti ane kakombiyuta duku chip inoita kuti ipe code yakasiyana yekutengesa kwega kwega. Mushure memutsetse wakashandiswa, haugone kushandiswa zvakare. Saka, kana muchengeti anowana ruzivo rwekodhi iyi uye achiedza kushandisa data yekutenga kadhi rechikwereti, mutengesi waizoramba.
Chip teknolojia inoita kuti zvive zvisingabviri kuti mhombwe dzigadzire makadhi enhema nemashoko ako ekadhi rechikwereti, achifunga kuti iwe EMV nguva dzose pakutora.
Asi, Chikwereti Chekubiridzira Chine Zvigoneka Nemakadhi EEMV
Kunyange zvazvo chip technology inotarisirwa kuderedza kushandira kadhi rechikwereti munguva yakareba, kune chiitiko chekubiridzira munguva pfupi. Havasi vese vatengesi vakagadzirira kuita EMV chip credit card. Nokudaro, iwe uchafanira kushandura kadhi rako kune dzimwe nzvimbo, kunyange kana kadhi yako yakagadzirirwa chip.
Shanduro yekukwereta kadhi rechikwereti ichiri kutakura ngozi imwechete yekubiridzira. Uyezve, mbavha dzinogona kushandisa dzimba dzechikwereti zvakabiwa.
Zvivako zvegasi hazvibvumirwi kutora teknolojia kusvika muna Gumiguru 2017. Zvivako zvegasi zvakagamuchirwa nekodhadhi kadiki vanoita hazvo nokuti zviri nyore kuisa kadhi rechikwereti chekwereti . Kunyengera pamatokari emagetsi kunogona kuwedzera mumakore mashoma anotevera.
Kutengeserana kwepaIndaneti kuchiri kutakura ngozi imwechete yekunyengera. Vatengesi vanogona kunge vari nani pane phishing - vachikunyengedza kuti upe ruzivo rwekadhi rako rechikwereti nokuzvishandura sebhizimisi kana munhu waunoziva uye unovimba naye. Zvinogona kukanganisa mabhizimisi mawakachengeta nhamba yako yekadhi yemakadhi yekutengesa kamwe chete kana kutengesa zvakare. Ramba uchiita tsika dzakachengeteka iwe uri kutenga paIndaneti .
Iko Ok Kana Usina Kugamuchira Kadhi Asi
Kambani yemakadhi echikwereti inogadzirisa musi waOctober 1, 2015 musi wekutenderera kumakadhi eEVV, asi kwete vese vane kadhi rechikwereti vakatumira makadhi matsva kune avo vanoita makadhi.
Tsvakurudzo inobva kuAACI Worldwide yakaratidza kuti vatanhatu vemakadhi vadhi gumi havana kugamuchira kadhi rechikwereti uye 67% yevashandi vemakadhi havana kuwana ruzivo rwekuti EMV chikwereti makadhi anoshanda sei. Chetatu chevaya vakagamuchira makadhi matsva vanoziva nezvekutamira kuEVV uye vazhinji vanotenda kuti makadhi matsva ndiwo mhinduro yekusimudzira mumhenderekedzo yedunhu.
Iwe unogona kuramba uchishandisa kadhi yako yakare seyakasikisa kusvikira wako itsva achisvika. Kana ukangowana kadhi mutsva, kuparadza yakare.
Kana iwe usina kugamuchira kadhi kadi, zvichida nokuti kadhi yako yakabudisa haana kutumira imwe kwauri iwe zvakadaro. Zvingaita kuti kadhi rako rechikwereti risati riri kupa makadhi e EMV zvachose kana kuti kwete kupa EMV teji yekadhi rako. IEVV Migration Forum ine mutsara weUnited States makadhi ekubhadhara chikwereti ne EMV chikwereti makadhi anowanikwa. Taura nekambani yebasa rekambani yako kana iwe une mibvunzo pamusoro penguva yemazuva ekugamuchira kadhi ye EMV yekodha yako.
Kwete Vafengi Vese Vane Zvimwe Zvokushandisa
Vazhinji vatengesi vakuru vakatotora nzvimbo dzavo dzekadhi rechikwereti kuti vagamuchire EMV chikwereti makadhi, chikamu nokuti vane zvigaro zvekuita kudaro. Uyewo vatengesi vakura vanomira kuti varasikirwa nemari yakawanda kana kukanganisa kadhi rechikwereti kuchiitika uye havazi ivo EMV vanobvumirana.
Mushure mokunge musi waOctober 1, 2015, vatengesi vane kadhi rechikwereti chekare rekugadzira hutano vanogona kuve nekodzero yekukanganiswa kwekadhi rechikwereti kana kadhi ane kadhi rechikwereti rakagadzirirwa, asi mutengesi haana midziyo yekuita mutengesi.
Vaduku vashambadzi vemabhizimisi vasina kuziva nezvezvipikisi uye mari dzekubiridzira zvingatowedzera kutora teknolojia itsva. Vangasaona kuwedzera kukudzivirirwa kunokonzerwa nekuda kwehutsika hwavo hwekutengeserana kana maitiro emabhizimisi avo. Zvinosuruvarisa, kukundikana kutora EMV kunogona kuva nengozi mune dzimwe mabhizimisi maduku sekwereti yemakadhi mashekeri angashandura kutarisa kumabhizimisi asiri EMV-akagadzirira. Kuparadzana kwemashoko kunogona kuisa mutengesi muduku zvishoma kunze kwebhizimisi.
Dana Chekwereti Chako Chekwereti Kana Iwe Uchinge Uchinge Uchinyengera
Zvose zvakafanana nekuchengetedzwa kwemakadhi echikwereti zvinoshanda kune vatengi. Kadhi-kadhi yekugadzirisa mitambo, makadhi ekubhadhara makadhi, vatengesi, uye mabhengi emabhizimisi achagadzirisa kuti ndiani wavo anofanira kutora mari yekutengesa kadhi rechikwereti.
Kunyange zvazvo dhizimusi rekadhi rechikwereti raisa mvumo ye "mitemo yokuchinja" mitemo yekutengeserana kwenzira, kushanduka uku kunofanira kunge kusina kubhadhara kune vadhigiri vadhikiti. Vatori vemakadhi havasi ivo vane mhosva yekutengesa kwekutengesa yakaitwa apo kadhi ravo rechikwereti riri muiri yavo uye rinotarisana chete nemadhora makumi mashanu emadhora ekutenga kunoitwa nekarasika kana yakabiwa kadhi rechikwereti.
Kana iwe uchifungidzira unyengeri ku-akhawunti yako, tumira chikwereti chako chekwereti uchishandisa nhamba iri kumashure kwekadhi rako rechikwereti uye ivo vachakuudza iwe kuti uite sei.