EMV waxay u taagan tahay Europay , Mastercard , iyo VISA . Kaararka EMV^(EMV) waa dadaal wadajir ah oo ay sameeyeen saddexdan shirkadood si ay u abuuraan kaarar wanaagsan oo loogu talagalay badbaadada dadka kaararka haysta. Iyadoo kaararka deynta caadiga ah ay leeyihiin xariijin birlab ah oo ay ku jiraan dhammaan macluumaadka akoontiga qofka kaarka heysta, kaararka EMV waxay leeyihiin jajab. Chips-yadu way adagtahay in la isku xidho oo markaa ilaalinta kaadhadhku way ka fiican tahay marka la barbardhigo kaararka magnetka. Maqaalkani waxa uu eegayaa kaararka EVM ee ka kooban laba nooc: Chip & PIN iyo Chip & Signature Card.

Waa maxay Kaararka deynta EMV

Iyadoo aduunka intiisa kale ay isticmaalayeen kaararka EMV muddo dheer hadda, Maraykanku wuu ka daahay qaadashada kaararka - sababtoo ah kharashyada ku lug leh beddelka terminalka ee akhrin kara kaararka EMV . Xogta ku jirta kaadhadhka magnet-ka ah waxa si fudud u xadi kara khayaanada oo hadhow xogta u isticmaala faa’iido u gaar ah iyaga oo wax ka iibsanaya ama iibinaya macluumaadka ku jira shabakada mugdiga ah.

Isbeddelka kaararka deynta EMV wuxuu u dhacayaa ugu horreyn sababtoo ah xogta weyn ee daadsan ee lagu arkay leben-iyo-hoobiye iyo dukaamada online-ka ah. Kaararka Chip^(Chip) -ka waxay ka dhigi doonaan wax aan suurtagal ahayn in lagu sameeyo lambarrada kaararka deynta ee sida sharci-darrada ah loo helay sababtoo ah borotokoolka ammaanka oo kordhay.

Akhri maqaalkeena ku saabsan skimming Card Credit^{(Credit Card skimming)} si aad u ogaato sida khiyaanada ay u xadaan macluumaadka kaararka birta birta ah.

Kaararka EMV^{(EMV cards)} waxaa sidoo kale loo yaqaan kaararka IC (Integrated circuits)^{(IC (Integrated circuits) cards)} maadaama chip-ku asal ahaan yahay chip nooca firmware ka kooban macluumaadka loo baahan yahay si loo sameeyo xawaalad debit iyo credit. Ilaa hadda, shirkadaha soo socdaa waxay bixiyaan oo taageeraan kaararka EMV :

1. Mastercard (waxaa ku jira EuroPay)
2. VISA
3. JCB
4. American Express
5. China UnionPay iyo
6. Soo ogow

Iyadoo shirkado badan oo bixiya waafaqsanaanta EMVs , kaararku waxay noqon karaan kuwo waxtar leh meel kasta oo adduunka ah. Dhawaan ayuu Maraykanku ka codsaday machadyada in ay siiyaan isticmaaleyaashooda kaarar ku salaysan chip-ka. Qaar ka mid ah machadyadan oo kale waa American Express , Bank of America , Barclay Card , Capital One , JP Morgan , Citibank , iyo Discover iyo kuwo kale. Waxaad heli kartaa beddelka kaadhka birlabeedka ama waxaad heli kartaa hal kaar EMV si loogu daro kaarka jira, iyadoo ku xidhan baahidaada.

Kaararka EMV waa laba nooc:

1. Chip iyo PIN
2. Chip iyo Saxiixa

Kaararka Chip iyo PIN

Si looga hortago isticmaalka sharci darrada ah ee kaadhadhka, wax kala iibsi kasta waa in uu la socdaa hawlo uu sameeyo qofka kaadhka haysta. Hawshani waxa ay gelaysaa PIN la mid ah ^(PIN)PIN^(PINs) -ka kaadhka deynta ama waxa ay noqon kartaa saxeexa kaarka. Iyada oo ku saleysan waxa loo baahan yahay in lala socdo, kaararka EMV waxaa loo kala saaray ^(EMV)Chip iyo PIN ama Chip iyo kaararka Saxiixa .^(Signature)

Kaarka Chip iyo PIN wuxuu u baahan yahay qofka kaarka haysta inuu galo PIN afar-god ah oo la mid ah kuwa ATM- ka lagu isticmaalo ee leh kaararka deynta. Si kastaba ha ahaatee, machad kastaa ma aqbalo kaararka CHIP iyo PIN . Waxay si fiican ugu adeegsadaan meelaha aan cidi wadin sida meelaha baabuurta la dhigto, tigidhada tooska ah, iwm. Kaarka haystaha uun buu kaarka garaacayaa oo galaa daabac.

Kaararka Chip iyo PIN -ka ayaa faa'iido leh marka aysan jirin adeegayaal jooga goobta wax kala iibsiga. Inta badan ganacsatada kale waxay door bidaan saxiixa kaadhadhka.

Akhri^(Read) : Sideed uga ilaalin kartaa naftaada khayaanada kaadhka deynta ee Carding^{(Carding credit card fraud)} ?

CHIP iyo Kaararka Saxiixa

Sida magaca ka muuqata, kaadhka Chip iyo Saxiixa^(Signature) waxay u baahan yihiin dadka haysta kaadhka inay ku saxeexaan warqad soo baxaysa ka dib marka mishiinku akhriyo chip-ka kaadhka. Ganacsatada intooda badani waxay door bidaan saxeexa PIN sababtoo ah saxeexu wuxuu ka dhigan yahay dammaanad ka fiican kaararka tuugada. Meesha ay joogaan adeegayaal sida dukaamada waaweyn, Chip iyo kaararka ^(Chip)EMV ee saxeexa ayaa aad loo isticmaalaa.

Inta badan bangiyada waxay ku siinayaan kaarka Chip iyo Saxiixa maadaama ay aad uga badbaadsan yihiin ^(Signature)Chip iyo PIN . Xitaa Chip iyo PIN waa ammaan maadaama xogta laga tirtirayo akhristayaasha kaararka isla marka macaamilku dhammaado.

Kaararka "Chip iyo PIN" iyo "Chip and Signature" labaduba waxay kordhiyaan heerka amniga ee kaararka caadiga ah ee leh xariijimaha birlabeedka. Kaararka EVM^(EVM) , qofku uma baahna inuu ka welwelo xogta la xado.

Merchants need to upgrade their point-of-sale (POS) terminals and ATMs. The new cards and card readers require the use of a PIN or signature. But some terminals only allow PIN authentication, rather than a signature. These sorts of terminals are common in kiosks in Europe and may grow in popularity. And it’s these terminals that won’t be able to process cards without PINs—such as our current magnetic stripe cards, says Microsoft.

Fikradaha?

What are 'Chip and PIN' or EMV Credit Cards

EMV stands for Europay, Mastercard, and VISA. EMV cards are a joint effort by these three companies to create better cards for the safety of cardholders. While the regular debit cards have a magnetic stripe containing all the account information of the cardholder, the EMV cards have a chip instead. The chips are harder to clone and hence the protection of cards is better when compared to magnetic strip cards. This article looks at EVM cards that are of two types: Chip & PIN and Chip & Signature cards.

What Are EMV Credit Cards

While the rest of the world has been using EMV cards for a long time now, the US has been late to adopt the cards – due to costs involved in changing the terminals that can read EMV cards. The information in cards with magnetic cards can easily be stolen by fraudsters who later use the information for their own benefit by shopping or selling off the information on the darknet.

The change to EMV credit cards is happening primarily because of the massive data leaks seen at large brick-and-mortar and online retailers. Chip cards will make it nearly impossible to do anything with illegally acquired credit card numbers because of the increased security protocols.

Read our article on Credit Card skimming to know how fraudsters steal information from magnetic stripe cards.

EMV cards are also known as IC (Integrated circuits) cards as the chip is basically a firmware type chip containing the information required to conduct debit and credit transactions. As of now, the following companies provide and support EMV cards:

1. Mastercard (includes EuroPay)
2. VISA
3. JCB
4. American Express
5. China UnionPay and
6. Discover

With so many companies offering compatibility with the EMVs, the cards can be useful anywhere in the world. Only recently did the US ask institutions to provide chip-based cards to their users. Some such institutions are American Express, Bank of America, Barclay Card, Capital One, JP Morgan, Citibank, and Discover among others. You can get your magnetic card replaced or get one EMV card as an addition to the existing card, depending upon your needs.

The EMV Cards are of two types:

1. Chip and PIN
2. Chip and Signature

Chip and PIN Cards

To counter the illegal use of cards, each transaction must be followed by some activity by the cardholder. This activity could be entering a PIN similar to the debit card PINs or can be the card holder’s signature. Based on what needs to be accompanied, EMV cards are categorized into Chip and PIN or Chip and Signature cards.

A Chip and PIN card requires the cardholder to enter a four-digit PIN similar to the ones used in ATM with debit cards. However, not every institution accepts CHIP and PIN cards. They are better used at unmanned terminals such as parking places, automatic ticketing, etc. The cardholder just swipes the card and enters a print.

Chip and PIN cards are useful when there are no attendants present at the transaction terminals. The majority of other traders prefer cardholders’ signature.

Read: How do you protect yourself against Carding credit card fraud?

CHIP and Signature Cards

As evident from the name, Chip and Signature cards require the cardholders to sign on a piece of paper that comes up after a machine reads the card’s chip. Most traders prefer a signature to a PIN because a signature would mean a better guarantee of anti-theft cards. Where there are attendants such as the supermarkets, Chip and signature EMV cards are used more.

Most of the banks offer you the Chip and Signature card as they are more secure compared to Chip and PIN. Even Chip and PIN are secure as the data is erased from card readers as soon as the transaction is complete.

Both “Chip and PIN” and “Chip and Signature” cards increase the level of security over regular cards with magnetic strips. With EVM cards, one need not worry about data being stolen.

Merchants need to upgrade their point-of-sale (POS) terminals and ATMs. The new cards and card readers require the use of a PIN or signature. But some terminals only allow PIN authentication, rather than a signature. These sorts of terminals are common in kiosks in Europe and may grow in popularity. And it’s these terminals that won’t be able to process cards without PINs—such as our current magnetic stripe cards, says Microsoft.

Thoughts?

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