Credit card magnetic stripe security risks exist two technologies will soon be replaced
Foreign well-known technology website recently published a signed Readwrite as David • Suo Bota (DavidSobotta) article said that the current magnetic stripe technology used by credit card there is a very big security risk, it seems to come to an end vitality.
However, bankers and businessmen continue to encourage consumers to use this credit card, complete set of consumer information safety is at stake.
The following is a summary of the article:
U.S. retailer Target suffered cyber attacks last year due to a large number of customer data theft caused by the example shows us that the traditional magnetic stripe credit cards are being used more and more becoming an unsafe technology.
Smart phones are becoming the main equipment of daily pay, and we are at a major means of payment transactions on the cusp of change.
However, it is not clear is this: if our personal information will be safer.
Two technologies will replace the magnetic stripe
Stripe defects that once other people get your credit card, they have all the necessary safety information to crack this card.
Credit card number is stamped in the 16 cards in the proof, and also prepared them into the magnetic stripe.
This convenient tool for others to use the reader will be able to easily get the card number, and then carry out the card copy.
Of course, there is another credit card security features, which is printed on the back of the credit card CVC Credit Card Verification Code (CardVerification Code).
Moreover, the cashier at the time of the cardholder credit card may also be required to sign and produce their own driver's license.
Target was the exposure and network attacks revealed the existence of another problem credit card: Credit card number will send to the merchant.
We had always thought it was safe, because businesses will protect their own internal systems are not compromised.
Thanks to Target, and a decade ago the U.S. discount department store chain TJ Maxx and a series of credit card data theft incident, we now take a more in-depth understanding of this.
Currently on the market there are two main techniques can completely replace magnetic stripe technology: Chip-PIN code and proximity card communication (near-field communication, NFC) cards.
When the system of government outsourcing to Apple, I am familiar with a smart card, and chip-PIN code 卡恰恰 is this smart card successor.
This card is equipped with a new type of card can communicate or terminal processor chip.
The NFC uses short-range radio waves to communicate with the terminal, and consumers need the card near the reader can complete paid.
We will find that the application of these two new technologies in the new issue of credit cards.
Compared with magnetic stripe, chip-PIN code and NFC have a common advantage: at least in the latest issue of these credit cards, consumers are not actually a user to transfer a real credit card number, but a one-off
Mark code.
Banks and credit card companies can put the mark at the other end of the code and the cardholder's card match, and the cardholder's card in this process will not be compromised, even businesses can not see.
However, there was another problem: the use of new and more secure payment technology with magnetic stripe credit card will still function, in order to continue to support, including ATM machines, petrol stations and other upgrades costly payment instruments.
We will be more convenient to pay safely.
American Express (AmericanExpress) customer support representative told me that they would be very willing to send me a new chip-PIN codes, credit card.
However, this card will still preparing my personal information into the magnetic stripe.
They reiterate that I do not need to be responsible for the credit card fraudulent events.
However, somebody responsible for the fraudulent credit cards, and retailers are likely to become this "unfortunate."
Currently, as long as the credit card magnetic stripe card complied with the rules, retailers will be effectively protected to a large extent.
Once the chip-PIN code card is widely popular, then all of this will be changed dramatically: Banks and credit card companies will pass on the responsibility of those who are still fraudulent brush magnetic stripe credit cards allow customers to retailers.
The irony is: American Express, and many card issuers tend to "chip - Signature" payment.
In other words, the use of chip cards to make payments after the signature of the cardholder needs to be confirmed, instead of entering a PIN.
The purpose of the credit card company is not difficult to guess.
Chip - Signature Payment may be more suitable for use in the restaurant because the waiter will present the bill to the consumer.
At the same time, this approach does not require too many businesses and consumers to re-learn skills.
Should follow the example of the store to pay online payment
You may have noticed: New credit card security features make it simple, fast swipe process becomes very complicated.
However, we did not like before trust magnetic stripe technology.
Someone has been proposed to make payments using a mobile phone instead of a credit card.
However, it is also facing a very complex issue.
Google had tried to implement in retail stores GoogleWallet payment, but the result is disastrous and go.
And by the United States several large telecom operators jointly launched the Isis mobile wallet also die a natural death.
I do not think that using mobile phones to replace credit cards are a good idea.
While the phone is able to safely protect yourself from unauthorized use, but we can break the phone before anyone else remotely delete the data, but that once the phone is stolen, we will also face a potential security risk.
Ultimately, we may need is a credit card and be able to integrate the phone system.
For example, when the card payment, I can enter a one-time PIN code, and put the PIN code sent to my phone.
This is better than using the same one each time a PIN code to be more secure.
Future transactions in the store is likely to be a way to pay our way to pay the same as the Amazon and iTunes.
We click on the "Buy" button, and then on the retailer's account from our plan to go the corresponding costs, and details of personal information in the digital multi-layered security system has been shut off.
If the banks will present their plans into practice, then they will let consumers pay in a physical store becomes more complex, and does not have any upgrade of security.
This may allow a credit card magnetic stripe technology is the best way to exit the stage of history.
However, bankers and businessmen continue to encourage consumers to use this credit card, complete set of consumer information safety is at stake.
The following is a summary of the article:
U.S. retailer Target suffered cyber attacks last year due to a large number of customer data theft caused by the example shows us that the traditional magnetic stripe credit cards are being used more and more becoming an unsafe technology.
Smart phones are becoming the main equipment of daily pay, and we are at a major means of payment transactions on the cusp of change.
However, it is not clear is this: if our personal information will be safer.
Two technologies will replace the magnetic stripe
Stripe defects that once other people get your credit card, they have all the necessary safety information to crack this card.
Credit card number is stamped in the 16 cards in the proof, and also prepared them into the magnetic stripe.
This convenient tool for others to use the reader will be able to easily get the card number, and then carry out the card copy.
Of course, there is another credit card security features, which is printed on the back of the credit card CVC Credit Card Verification Code (CardVerification Code).
Moreover, the cashier at the time of the cardholder credit card may also be required to sign and produce their own driver's license.
Target was the exposure and network attacks revealed the existence of another problem credit card: Credit card number will send to the merchant.
We had always thought it was safe, because businesses will protect their own internal systems are not compromised.
Thanks to Target, and a decade ago the U.S. discount department store chain TJ Maxx and a series of credit card data theft incident, we now take a more in-depth understanding of this.
Currently on the market there are two main techniques can completely replace magnetic stripe technology: Chip-PIN code and proximity card communication (near-field communication, NFC) cards.
When the system of government outsourcing to Apple, I am familiar with a smart card, and chip-PIN code 卡恰恰 is this smart card successor.
This card is equipped with a new type of card can communicate or terminal processor chip.
The NFC uses short-range radio waves to communicate with the terminal, and consumers need the card near the reader can complete paid.
We will find that the application of these two new technologies in the new issue of credit cards.
Compared with magnetic stripe, chip-PIN code and NFC have a common advantage: at least in the latest issue of these credit cards, consumers are not actually a user to transfer a real credit card number, but a one-off
Mark code.
Banks and credit card companies can put the mark at the other end of the code and the cardholder's card match, and the cardholder's card in this process will not be compromised, even businesses can not see.
However, there was another problem: the use of new and more secure payment technology with magnetic stripe credit card will still function, in order to continue to support, including ATM machines, petrol stations and other upgrades costly payment instruments.
We will be more convenient to pay safely.
American Express (AmericanExpress) customer support representative told me that they would be very willing to send me a new chip-PIN codes, credit card.
However, this card will still preparing my personal information into the magnetic stripe.
They reiterate that I do not need to be responsible for the credit card fraudulent events.
However, somebody responsible for the fraudulent credit cards, and retailers are likely to become this "unfortunate."
Currently, as long as the credit card magnetic stripe card complied with the rules, retailers will be effectively protected to a large extent.
Once the chip-PIN code card is widely popular, then all of this will be changed dramatically: Banks and credit card companies will pass on the responsibility of those who are still fraudulent brush magnetic stripe credit cards allow customers to retailers.
The irony is: American Express, and many card issuers tend to "chip - Signature" payment.
In other words, the use of chip cards to make payments after the signature of the cardholder needs to be confirmed, instead of entering a PIN.
The purpose of the credit card company is not difficult to guess.
Chip - Signature Payment may be more suitable for use in the restaurant because the waiter will present the bill to the consumer.
At the same time, this approach does not require too many businesses and consumers to re-learn skills.
Should follow the example of the store to pay online payment
You may have noticed: New credit card security features make it simple, fast swipe process becomes very complicated.
However, we did not like before trust magnetic stripe technology.
Someone has been proposed to make payments using a mobile phone instead of a credit card.
However, it is also facing a very complex issue.
Google had tried to implement in retail stores GoogleWallet payment, but the result is disastrous and go.
And by the United States several large telecom operators jointly launched the Isis mobile wallet also die a natural death.
I do not think that using mobile phones to replace credit cards are a good idea.
While the phone is able to safely protect yourself from unauthorized use, but we can break the phone before anyone else remotely delete the data, but that once the phone is stolen, we will also face a potential security risk.
Ultimately, we may need is a credit card and be able to integrate the phone system.
For example, when the card payment, I can enter a one-time PIN code, and put the PIN code sent to my phone.
This is better than using the same one each time a PIN code to be more secure.
Future transactions in the store is likely to be a way to pay our way to pay the same as the Amazon and iTunes.
We click on the "Buy" button, and then on the retailer's account from our plan to go the corresponding costs, and details of personal information in the digital multi-layered security system has been shut off.
If the banks will present their plans into practice, then they will let consumers pay in a physical store becomes more complex, and does not have any upgrade of security.
This may allow a credit card magnetic stripe technology is the best way to exit the stage of history.
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