EMV je skraćenica za Europay , Mastercard i VISA . EMV kartice zajednički su napor ove tri tvrtke za stvaranje boljih kartica za sigurnost vlasnika kartica. Dok obične debitne kartice imaju magnetsku traku koja sadrži sve podatke o računu vlasnika kartice, EMV kartice umjesto toga imaju čip. Čipove je teže klonirati i stoga je zaštita kartica bolja u usporedbi s karticama s magnetskom trakom. Ovaj članak se bavi EVM karticama koje su dvije vrste: kartice s čipom^(Chip) i PIN -om i kartice s čipom^(Chip) i potpisom^(Signature) .

Što su EMV kreditne kartice

Dok ostatak svijeta već dulje vrijeme koristi EMV kartice, SAD kasni s usvajanjem kartica – zbog troškova koji su povezani s promjenom terminala koji mogu čitati EMV kartice. Podatke na karticama s magnetskim karticama lako mogu ukrasti prevaranti koji ih kasnije koriste za vlastitu korist kupujući ili prodajući podatke na darknetu.

Promjena na EMV kreditne kartice događa se prvenstveno zbog masivnog curenja podataka uočenog kod velikih fizičkih i online trgovaca. Čip^(Chip) kartice učinit će gotovo nemogućim bilo što učiniti s nezakonito stečenim brojevima kreditnih kartica zbog povećanih sigurnosnih protokola.

Pročitajte naš članak o skimmingu kreditnih kartica^{(Credit Card skimming)} da biste saznali kako prevaranti kradu podatke s kartica s magnetskom trakom.

EMV kartice^{(EMV cards)} su također poznate kao IC (integrirani krugovi) kartice^{(IC (Integrated circuits) cards)} jer je čip u osnovi čip tipa firmvera koji sadrži informacije potrebne za obavljanje debitnih i kreditnih transakcija. Od sada sljedeće tvrtke pružaju i podržavaju EMV kartice:

1. Mastercard (uključuje EuroPay)
2. VISA
3. JCB
4. American Express
5. China UnionPay i
6. Otkriti

Uz toliko tvrtki koje nude kompatibilnost s EMV^(EMVs) -ovima , kartice mogu biti korisne bilo gdje u svijetu. Tek nedavno su SAD zatražile od institucija da svojim korisnicima osiguraju kartice temeljene na čipu. Neke takve institucije su American Express , Bank of America , Barclay Card , Capital One , JP Morgan , Citibank i Discover , među ostalima. Možete zamijeniti svoju magnetnu karticu ili dobiti jednu EMV karticu kao dodatak postojećoj kartici, ovisno o vašim potrebama.

EMV kartice su dvije vrste:

1. Čip i PIN
2. Čip i potpis

Čip i PIN kartice

Kako bi se suprotstavili nezakonitoj upotrebi kartica, svaka transakcija mora biti praćena nekom aktivnošću vlasnika kartice. Ova aktivnost može biti unos PIN -a sličnog PIN-ovima debitne kartice ili^(PINs) može biti potpis vlasnika kartice. Na temelju onoga što treba popratiti, EMV kartice se kategoriziraju u kartice s čipom^(Chip) i PIN -om ili kartice s čipom^(Chip) i potpisom^(Signature) .

Čip i PIN kartica zahtijeva od vlasnika kartice da ^(PIN)unese^(Chip) četveroznamenkasti PIN sličan onima koji se koriste u bankomatima^(ATM) s debitnim karticama. Međutim, ne prihvaćaju sve institucije CHIP i PIN kartice. Bolje ih je koristiti na bespilotnim terminalima kao što su parkirališna mjesta, automatsko izdavanje karata itd. Vlasnik kartice samo prevuče karticu i unese ispis.

Čip i PIN kartice su korisne kada na transakcijskim terminalima nema prisutnih pratitelja. Većina ostalih trgovaca preferira potpis vlasnika kartica.

Pročitajte^(Read) : Kako se zaštititi od prijevare s Carding kreditnom karticom^{(Carding credit card fraud)} ?

ČIP i kartice s potpisom

Kao što je vidljivo iz naziva, kartice s čipom^(Chip) i potpisom^(Signature) zahtijevaju od vlasnika kartica da se potpišu na komad papira koji se pojavljuje nakon što stroj pročita čip kartice. Većina trgovaca preferira potpis nego PIN jer bi potpis značio bolje jamstvo za kartice protiv krađe. Tamo gdje postoje službenici kao što su supermarketi, više se koriste čip i ^(Chip)EMV kartice s potpisom .

Većina banaka nudi vam karticu s čipom^(Chip) i potpisom^(Signature) jer su sigurnije u usporedbi s čipom^(Chip) i PIN -om . Čak su i čip^(Chip) i PIN sigurni jer se podaci brišu iz čitača kartica čim se transakcija dovrši.

I kartice "Chip and PIN" i "Chip and Signature" povećavaju razinu sigurnosti u odnosu na obične kartice s magnetskim trakama. S EVM karticama ne morate brinuti o krađi podataka.

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.

Misli?

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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