Chip a me nā Kāleka Kāleka PIN i hoʻokaʻawaleʻia a weheweheʻia
ʻAʻole iʻikeʻia nā kāleka kāki Chip a me PIN i ka mea likeʻole mai kahi kāleka maʻamau. ʻAʻole pahaʻoe eʻike i ka'ōpili rorohiko, i kekahi manawa i loko o ka kāleka. Hoʻomanaʻo ia i kahi helu helu pilikino (PIN). Ma kahi o ke kilihiʻana i ke kāleka a me ke kau inoaʻana no kahi kūʻai, hoʻopaʻa ka mea hoʻopaʻa pepa i ke PIN.
ʻO nā kāpili Chip a me nā PIN (i kapaʻia kekahi manawa "Kālepa maikaʻi") i mea e pale ai i ka'ai'ē kāleka hōʻai'ē.
Hiki iā 'oe ke' 'ulana' ia nā kāleka 'āpanaʻena me ka hoʻohana' ana i ke kiʻina i kapa 'ia he skimming. Ua kipa aku nā poʻe malihini i kēia mau huakaʻi hele maʻamau. Akā,ʻo nā poʻe noho ma kēia mau'āina ua hoʻokahoʻia nō hoʻi. Ua lilo kēia i mea koʻikoʻi nui maʻEulopa eʻoluʻoluʻia keʻaeʻana i kaʻili a me ka PIN.
ʻO Chip a me ka Credit Card PIN Nā'āina
ʻOiai ua paʻa mua kaʻenehana i ka United Kingdom, ua'āponoʻia ma nā wahi'ē aʻe o'Europa,ʻo Asia,ʻAmelika Hema, a meʻAmelika Hema. Ke neʻe neiʻo Canada i kahi pūnaewele a me ke kōnae PIN no nā makahiki he nui, e like me nā 'āpana ma Mexico. ʻO kahi 50 mau'āina e hana nei me kaʻenehana.
Uaʻokoʻa nā hualoaʻa, akā, ua kāohiʻia ka'āpuka ma muli o keʻenehana hou. ʻAʻole hiki ke hoʻohanaʻia nā kāleka kālena me nā'āpana, e like me ke kūkuluʻana i kahi PIN.
US Switchover Ke holomua
ʻAʻoleʻike ka US i ke kiʻekiʻe o ka maʻalahi a me ke kāleka kāleka i loaʻa ma nā'āina'ē aʻe. Ke hōʻike nei ka New York Times i kahi Strategic Javelin a me ka palena noiʻi no $ 5.5 piliona pilikino e hoʻololi i nā kāleka a pau ma ka US. Ua manaʻoʻia ka nui o kēlā kālā no nā hōʻai'ē hou hou.
Ke hāʻawiʻia nei nā kāleka Bank of America a me Citi Hilton HHonors Palapala Kāleka me kaʻenehana PIN a me ka PIN. Hoʻomaka ka neʻeʻana o nā'enekala pāʻoihana e hōʻiliʻili i ke kākoʻo o ka lehulehu no nā loli e mālama ai i ka palekana a kōkua i nāʻAmelika e pale i nā pilikia ma ka heleʻana i nā'āina'ē. No nā poʻe i loaʻa nā kāleka hou,ʻike lākou i nā wahi he nuiʻole i ka poʻe heluhelu.
No kēlā kumu, ua loaʻa pinepine nā kālekaʻAmelika i ka pāpale kila a me ka puʻupuʻu.
Chip a me PIN: Impact ma ka Hōʻiliʻili Huakaʻi
ʻO nā poʻe malihini'ē aʻeʻAmelika e noho ana i nā hōkele o nā hōkū healima a me ka hanaʻana i nā kālā kālā kanaka ma kahi o ka kūʻai kūʻai pinepine eʻike i ka liʻiliʻi a me ka helu PIN. Hanaʻia nā hopena ma nā kumukūʻai kūpono o ke kūʻai - hiki i kahi o nā meaʻeleʻele kālā e hele pinepine.
ʻO kahi laʻana,ʻo ka lawe waʻa nui kaʻoihanaʻoi loa e hele ai ma waena o nā mokulele a me ke kikowaena o ke kūlanakauhale . Inā e kūʻaiʻoe i nā bila mai kahi mīkini i kālepaʻia, a laila paha e hōʻoleʻia kāu kāleka. ʻO kekahi mau kākau lima kanaka e hōʻole i ka kāleka, me ka manaʻoʻaʻole e hana.
Akā,ʻaʻole kēlāʻoiaʻiʻo.
Kāhea i kahi kākau'ōlelo e hōʻailona i ke kāleka. ʻO kekahi poʻe huakaʻi e wehewehe ana i ke kāleka e "swipe a hōʻailona" ma mua o ka'ōpili a me ka PIN. ʻO nā wahi kūkaʻikaʻi nui e nānā i ka poʻe malihiniʻAmelika e emi mai ka pilikia ma mua o nā wahi mamao loa -ʻoiai,ʻo nā wahi o nā wahi kaʻahele kūʻokoʻa pinepine e kipa aku ai.
Nā Kū'ē e Kū'ē me ka Chip a me ka pilikia PIN
- E hōʻiliʻili kālā hou: Ua mamao kēia mai kahi hopena kūpono. No nā kumu palekana,ʻaʻole maikaʻi he heleʻana me nā hōʻai'ē nui. Pono nā mākaʻikaʻi e hoʻohana i kahi kāwili kālā e mālama i nā kālā mai kahi hikiʻole o nāʻaihue pilahi. Eʻoi aku ka waiwai nui o ia papahana no kāu palekana pono'ī ināʻoe e lawe i ke kālā hou.
- E pale i nā hua kiko'ī o ka kūʻai: Uaʻoi aku ka maʻalahi ma mua o ka hanaʻana, no ka mea,ʻoi ka nui o nā mea kūʻai kālā e pili ana i nā ATM a me nā mea kūʻai kiko'ī e lawe i nā kāleka kāleka. E ho'āʻo e hana i nā kūʻai no nā kaʻa hele kaʻa a me nā hana'ē aʻe like pūnaewele a iʻole ma mua paha inā hiki.
- E noi i kahi helu PIN no kāu kelepila: ʻAʻole e hana kēia kāpili'ōpili a me ka pine, akā hiki ke hoʻopanee i ka hana o ka loaʻaʻana o kāu kāleka i'āponoʻia ma kahi o ke kūʻai aku i kahi'āina kahi i hoʻohanaʻia ai ke PIN. Inā loaʻa iāʻoe ka PIN, e noi waleʻoe e hana maʻamauʻia ka kāleka. Na kekahi e kū'ē, akā i keʻano, he mea hiki iā lākou ke hana iāʻoe - keʻole lākou e makemake e uku.
- ʻIke i keʻano o ka moku a me ka PIN i lilo i kāu huakaʻi: Ua hanaʻo United United Kingdom i kaʻoi aku me ka'eneki a me kaʻenehana PIN. Loaʻa i ka hoʻohanaʻia. Ke hana neiʻo Kanada i ka hoʻololiʻana, akā,ʻaʻole iʻoi aku ka nui o nā kelepili a me nā PIN iʻoi aku ma kahi'ē aʻe ma mua o UK. Nā'āina'ē aʻe e like me Italia, Kina a me India ke neʻe nei i ka'ōmole a me ke kuhikuhiʻana o PIN. Eʻike i nā mea i hoʻohoho houʻia no kāu huakaʻi.