Icandelo lekhadi lokuthenga ngetyala le-US lihambela kolunye uhlobo olukhuselekileyo lwekhadi lekhredithi-ikhadi le-credit card ye -EMV, elibizwa ngokuba yi-chip-and-PIN okanye amakhadi-khonkthi e-chip-and-signature.
Usenokuba sele ufumene ikhadi elitsha kwi-imeyile ekhangeleka njengekhadi lakho elidala, kodwa inesigca sesitrato ngaphambili ngaphambili kwenombolo yekhadi (oko ubona ngokwenene kukukhusela ukukhusela kwi-chip).
Yintoni i-EMV Credit Card kwaye Kutheni inayo i-Chip?
Ikhadi lekhredithi ye-EMV-ebizwa nge-Europay, MasterCard, kunye neVisa, iinkampani ezenzile umgangatho oqhelekileyo-ikariti lekhredithi elikhuselekileyo.
Ngokufana nomgca wamagneti kumakhadi akho esikwereti endala, i-chip kwikharityhulam ye-EMV ikhathalela ulwazi lwekhadi lakho lesikweletu kwaye idlulisela ulwazi kwiinkqubo zokuhlawula imali ngendlela ekhuselekileyo yezigwenxa zokudibanisa nokuzisebenzisa.
Ubuchwepheshe be-chip buya kutshintsha indlela osebenzisa ngayo ikhadi lakho lekhredithi kwiintlobo ezininzi zokuthengisana ubuso nobuso, kodwa zonke izinto zihlala zifana.
Indlela yokusebenzisa i-EMV Credit Card yakho
Xa usenza ukuthenga ngekhadi lekredithi ye-EMV kwi-terminal ye-EMV-enabled enabled, kukho i slot ngaphantsi kwekhibhodi yenombolo apho "udibanisa" ikhadi lakho lekhredithi. Beka ikhadi lakho lekredithi kwi-slot uze ulandele ukuhamba kwesikrini. Umele ushiye ikhadi lakho apho ukuthengiselana kwenziwe; akusiyo ishukumo sokuhamba-shintshana njengomqhawulo wamagnetic.
Ukuhlola ngaphandle kuthatha ixesha elincinane kunokuba usetyenzisiweyo, ngokukodwa njengabanini bamakhadi kunye nabashibi abasebenzisa inkqubo entsha.
Ukuba unesigqeba esingekho i-EMV-inikwe amandla, nokuba unayo ikhadi le-credit card ye-EMV okanye akunjalo, kufuneka uswayiphe ikhadi lakho ngokunyakaza okukhawulezayo ukugqiba ukuthengiselana.
Ukuthengwa kwe-intanethi kusasafuna ukuba ufake inombolo yakho yekhadi lesikweletu, umhla wokuphelelwa yisikhathi, ikhowudi yokukhusela, kunye nedilesi yokukhokha.
Awunayo i-PIN, ngoku
Uhlobo lwe-Chip-kunye-PIN lwekhadi le-EMV lisetyenziselwe iminyaka kwamanye amazwe. La makhadi asebenzisa ubuchwepheshe be-chip kwaye idinga ukuba umnini-mgcini angene iPIN yekhadi lakho lokuthengiswa kwekhadi lesikweletu, afana nento oyenzayo xa usebenzisa ikhadi lakho lokubambisa njenge "debit."
Icandelo lekhadi lokuthenga ngetyala le-US liya kwi- chip-and-signature , oku kuthetha ukuba uza kusayina ukuthengwa kwekhadi lakho lesikweletu njengoko uhlala unayo. IShishini lingafumana i-chip-and-PIN kumakhadi-mboleko ngexesha elizayo.
Ukuba ikhadi lakho lingaqhagamshelana nalo, uya kubona uphawu olungabonakaliyo phambi kwekhadi. Unokumane uthethe ikhadi lakho lekredithi kumfundi wekhadi lokuthenga ngetyala ukugqiba ukuthengiselana kwakho.
Yintoni eyenza ama-EMV amakhadi aphephe
I-EMV amakhadi enkredithi iqukethe iplastiki encinci eyenza ikhowudi ekhethekileyo kwintengiso nganye. Emva kokuba ikhowudi isetyenzisiwe, ayikwazi ukusetyenziswa kwakhona. Ngoko ke, ukuba umnqweno ufikelele kule khowudi kwaye uzama ukusebenzisa idatha yokuthengwa kwekhadi lesikweletu, ukuthengiswa kuya kunqatshwa.
I-teknoloji ye-Chip yenza ukuba akunakwenzeka ukuba izigebengu zidale amakhadi angamanga kunye nolwazi lwekhadi lakho lesikweletu, ucinga ukuba uhlale u-EMV xa uhlola.
Kodwa, Ukukhwabanisa ngeKhadi leKharityhi kuyenzeka ngeeKadi ze-EMV
Nangona ubuchwepheshe be-chip bukulindeleke ukunciphisa ubuqhetseba bamakhadi kwi- credit card kwixesha elide, kusekho ingozi yokukhwabanisa kwixesha elifutshane. Akunabo bonke abathengisi abakulungele ukucwangcisa amakhadi enkredithi ye-EMV. Ngoko, kuya kusadingeka uguqule ikhadi lakho kwezinye iindawo, nangona ikhadi lakho lixhotywe nge-chip.
Ukuthengwa kwekhadi lokuthenga ngetyala kuthiwa kusenomngcipheko ofanayo wokukhwabanisa. Kananjalo, amasela angasasebenzisa amakhadi ekwereta asebiwe ngokomzimba.
Izitishi zeGesi azidingeki ukuba zisebenzise iteknoloji kude kube ngo-Oktobha 2017. Izitishi zegesi ziye zaxhaswa ngabacwangcisi bekhadi lesikredithi kuba kulula ukufaka abadlali bekhadi lekhredithi . Ukukhwabanisa kwizikhululo zegesi kunokunyuka kwiminyaka emibini elandelayo.
Ukuthengiswa kwe-Intanethi kusekho ingozi efanayo yokukhwabanisa. AbaHackers bangaba ngcono kwi-phishing - bakukhohlisa ekunikezeni ulwazi lwekhadi lakho lesikweletu ngokuziguqula njengebhizinisi okanye umntu owaziyo nokwethembayo. Basenokuphulaphula amashishini apho ugcine khona inombolo yakho yekhadi lesikweletu ngokuchofoza okukodwa ukuthenga okanye ukuthenga okuphindaphindiweyo. Qhubeka uqhuba umkhuba okhuselekileyo xa uthengela i-intanethi .
Ingaba Ukuba awufumananga iKhadi kodwa
Icandelo lekhadi lokuthenga ngetyala libeka umhla woku-Oktobha 1, 2015 umhla wokutshintshela kumakhadi e-EMV, kodwa akubona bonke abakhupheli bekhadi bekhredithi bathumele amakhadi amatsha kumakhasimende abo.
Uphando oluvela kwi-ACI kwihlabathi lonke lubonakalise ukuba abanikazi bamakhadi aba-6 kwabangama-10 abazange bamkele ikhadi elitsha lekhredithi kwaye abangama-67% wabanikazi bamakhadi abazange bafumane ulwazi ngendlela ama-credit card EMV asebenza ngayo. Ingxenye yesithathu yalabo bafumene amakhadi amasha bayazi malunga nokufudukela kwi-EMV kwaye abaninzi bakholelwa ukuba amakhadi amatsha abe impendulo yokunyuka kwiilwandle zamadatha.
Ungagcina usebenzisa ikhadi lakho elidala njengento eqhelekileyo kude kube yinto yakho entsha. Xa ufumana ikhadi elitsha, utshabalalise elidala.
Ukuba awufumananga ikhadi elitsha, mhlawumbi ngenxa yokuba umnikeli wakho wekhadi akakuthumelelanga omnye kuwe. Kungenzeka ukuba umniki wekhadi lakho lekhredithi akaboneleli ngamakhadi akwa-EMV okanye anganiki i-EMV iteknoloji ekhadini lakho. I-Forum ye-EMV yokufuduka inoluhlu lwabo bonke abathumeli bamakhadi e-US abaneemodredit credit EMV. Qhagamshelana nenkonzo yamakhasimende ekhadi lakho ukuba unemibuzo malunga nexesha lokufumana i-EMV khadi kwi-akhawunti yakho.
Ababo bonke abathengisi abanakho izixhobo
Abathengisi abaninzi abaninzi baye bathatha indawo yabo yokugqibela yamakhadi ekhredithi ukuze bamkele amakhadi enkcitho ye-EMV, ngenxa yokuba banakho izixhobo zokwenza njalo. Nabathengisi abakhulu bajonge ukulahlekelwa yimali eninzi xa kwenzeka ukukhwabanisa kwekhadi lokuthenga ngetyala kwaye abayi-EMV eyanelisayo.
Emva koko ku-Oktobha 1, 2015, abathengisi abanokukhangela iteknoloji yobudala bekhadi lesikredenti banokuhlawulwa ngamatyala ekhredithi ngamakhadi ekhredithi xa umnini-khadi enekhadi lekredithi elinikeziweyo elivumelekileyo, kodwa umthengisi akanakho izixhobo zokuqhuba ukuthengiselana.
Abanikazi bamashishini abancinci abangayazi ingozi kunye neendleko zobuqhetseba banganciphisa ukufumana iteknoloji entsha. Akunakuboni ukukhuselwa okongezelelweyo okufunekayo ngenxa yexabiso labo eliphantsi okanye izinto zoshishino zabo. Ngelishwa, ukungaphumeleli ukufumana i-EMV kungaba yintlekele kwamanye amashishini amancinci njengamasela ekhadi lesikweletu angashintsha kugxininiso kumashishini angakulungeli i-EMV. Ukuphulwa kwedatha kungafaka umthengisi omncinci ngaphandle kweshishini.
Biza umnxeba weKhadi leKhadi lakho ukuba Ukhohlise
Zonke izikhuselo zekhredithi zamakhadi ezikhredithi zisasebenza kubasebenzisi. Amanethiwekhi okuchithwa kwamakhadi eemboleko, abaxhasi bekhadi lesikweletu, abarhwebi kunye neebhanki zorhwebi baya kuluhlula ukuba ngubani na omele athathe iindleko zokuthengiswa kwekhadi lekhredithi.
Nangona i-shishini lekhadi lesikweletu liye labeka "imithetho yokunyanzeliswa kwamatyala" imithetho yokuthengiselana, ukutshintshana oku kufuneka kulungelelanisi kubaphathi bekhadi lesikweletu. Abanini bamakhadi ababophelelekanga ukuthengwa kobuqhetseba okwenziweyo ngelixa ikhadi labo lekhredithi likulo kwaye lijongene nemali engaphezulu kwama-$ 50 ekuthengeni okwenziwe ngekhadi lekhredithi elahlekileyo okanye elibiweyo.
Ukuba ukrokrela ukukhwabanisa kwi-akhawunti yakho, biza umnini-mvume wakho wekhadi lokuthenga ngetyala usebenzisa inombolo emva kwekhadi lakho lesikweletu kwaye baya kukuxelela ukuba uqhubeke njani.