Key Takeaways
- Magnetic stripes yuav ploj mus los ntawm Mastercard los ntawm 2033.
- Kev them xov tooj muaj kev nyab xeeb dua, yooj yim dua, thiab ntiag tug ntau dua li kev them nyiaj hauv daim npav.
- Ib hnub, koj tuaj yeem coj koj lub xov tooj ntawm lub ATM kom tau nyiaj ntsuab.
Cov kab txaij sib nqus ntawm daim npav rho nyiaj yog qhov tsis txaus ntseeg, thiab Mastercard thaum kawg tau tshem lawv.
Tshaj li 10 xyoo tom ntej los yog li ntawd, Mastercard yuav tshem tawm cov kab txaij sib nqus kom pom zoo cov chips ruaj ntseg dua thiab tsis muaj kev tiv thaiv kev them nyiaj xws li Apple Pay thiab Google Pay. Qhov no yuav pib nyob rau hauv cov teb chaws Europe, uas yog twb nyob deb ua ntej ntawm lub US nyob rau hauv kev them nyiaj tech, thiab sib nqus kab txaij yuav tag nrho erased los ntawm 2033. Thiab ib yam dab tsi zoo heev. Cov kab hlau nplaum yog cov thev naus laus zis qub uas yooj yim rau kev siv, qhov kev them nyiaj hauv xov tooj yog txoj kev nyab xeeb dua, ntau tus kheej, thiab yooj yim dua.
"Tsis zoo li cov kab hlau nplaum sib nqus, uas tsuas yog lees paub koj daim npav rho nyiaj tus lej thiab hnub tas sijhawm, EMV chips tsim tshwj xeeb, encrypted codes thaum twg koj siv koj daim npav. txo nws, " Sara Rathner, tus kws tshaj lij daim npav rho nyiaj ntawm NerdWallet hais rau Lifewire ntawm email.
Kev nyab xeeb LOL
Cov kab hlau nplaum sib nqus nyob tom qab ntawm koj daim npav rho nyiaj "yog tib yam nkaus uas cov kab xev thiab 8-kab kab xev ua haujlwm." Ruston Miles, tus tsim thiab tus kws pab tswv yim ntawm Bluefin, hais rau Lifewire ntawm email. "Cov neeg dag ntxias yuav daim npav tus lej tau los ntawm ntau daim npav ua txhaum cai ntawm lub vev xaib tsaus thiab luam tawm rau hauv daim npav sib nqus siv daim npav pheej yig thiab tshuab luam ntawv lawv yuav ntawm eBay."
…raws li peb tau pom nrog lwm hom kev them nyiaj hauv xov tooj thiab cov hnab nyiaj digital, vim tias nws muaj tsis tas txhais tau tias ntau tus neeg ua nws.
Cloning ib daim npav yog yooj yim li luam daim kab xev, nws tseem yog tus qauv hauv Teb Chaws Asmeskas. Tab sis nyob rau hauv cov teb chaws Europe, daim npav tsis tshua muaj los ntawm tus nyeem ntawv. Cov credit card terminals yuav luag txhua tus muaj cov neeg nyeem tsis paub, qhov twg koj tsuas yog yoj daim npav lossis xov tooj ntawm lub tshuab. Ua tsis tiav, koj ntxig daim npav, thiab nws nyeem cov nti.
Them nrog qee yam xws li Apple Pay yog qhov zoo dua, thiab txawm tias qee tus neeg nyiag koj lub xov tooj, lawv tseem siv tsis tau them.
"Nrog cov hnab nyiaj digital, txawm tias tus tub lag luam tsis tuaj yeem pom koj cov ntaub ntawv nyiaj txiag. Thaum koj them, tus lej 16 tus lej tshwj xeeb raug siv los hloov ib tus lej credit card uas tsis hloov pauv. PIN lossis biometric cov ntaub ntawv zoo li koj tus ntiv tes lossis lub ntsej muag, "hais tias NerdWallet's Rathner.
Nws tau zoo dua.
"Yog tias koj lub xov tooj ploj lossis raug nyiag lawm, cov tuam txhab xws li Apple, Google, thiab Samsung txhua tus tso cai rau koj los so koj cov ntaub ntawv," Nathan Grant, tus kws tshuaj ntsuam xyuas kev lag luam loj ntawm Credit Card Insider, hais rau Lifewire ntawm email.
Barriers?
Hauv Tebchaws Europe, Apple Pay uptake tau nrawm vim tias feem ntau cov neeg nyeem daim npav twb tsis muaj kev sib cuag, yog li kev them nyiaj iPhone nyuam qhuav ua haujlwm, txawm tias nyob hauv cov tebchaws uas Apple Pay tseem tsis tau raug tso tawm. Hauv Teb Chaws Asmeskas, kev hloov kho vaj tse tau qeeb.
"Kev hloov pauv yuav tsum tshwm sim nrog cov tub lag luam, ib yam nkaus. Koj tsis tuaj yeem siv txoj kev them nyiaj tshiab yog tias lub khw tsis tau hloov kho lawv cov thev naus laus zis ntawm kev sau npe, "hais Rathner.
Thaum tib neeg tau saj ntawm Apple Pay, lawv xav siv nws txhua qhov chaw. Thiab tus kab mob kis thoob qhov txhia chaw tsuas yog nce zuj zus xwb.
"Ntau tus neeg Amelikas tau pib siv kev them nyiaj hauv xov tooj rau kev tu cev (vim tias lawv ntshai tsam kov cov chaw them nyiaj uas muaj feem cuam tshuam), thiab lawv yuav lo nrog lawv vim lawv ceev, yooj yim, thiab nyab xeeb, "Ted Rossman, tus kws tshuaj ntsuam ntawm CreditCards.com, hais rau Lifewire ntawm email
"US chaw nres tsheb roj av tsis ntev los no tau pib lees txais kev them nyiaj hauv xov tooj ntawm qhov ntsuas. Lawv lag luam li tsib xyoos tom qab cov khw muag khoom Asmeskas feem ntau ua tsaug rau qhov txuas ntxiv lawv tau sib tham nrog cov tuam txhab nyiaj txiag."
Thiab tom qab ntawd muaj qhov kev txhawb siab loj tshaj plaws ntawm txhua qhov nyiaj.
"Visa yuav txhawb nqa cov tub lag luam kom txais NFC kev them nyiaj tsis sib cuag los ntawm kev muab cov nqi sib pauv qis dua (uas yog, tus nqi qiv nyiaj yuav tsum tau them) rau kev lag luam tokenized," Melissa Johnson, tus kws tshuaj ntsuam xyuas nyiaj ntawm MerchantMaverick, hais rau Lifewire ntawm email.
Lub neej tom ntej ntawm kev them nyiaj hluav taws xob
Txog tam sim no, peb tau pom tias kev them nyiaj hauv xov tooj tau ua li cas them credit card tsis tu ncua, yooj yim dua, thiab ntiag tug ntau dua. Tab sis ua li cas txog yav tom ntej? Dab tsi tshiab nta tuaj yeem them nyiaj hauv xov tooj?
…EMV chips tsim tshwj xeeb, encrypted codes thaum twg koj siv koj daim npav. Thaum qhov no tsis tas tshem tawm txoj kev pheej hmoo ntawm kev siv credit cards, nws txo nws.
Ib qho yog tias koj tuaj yeem xa nyiaj rov qab los ntawm cov phooj ywg yooj yim siv Apple Pay Cash. Lwm qhov yuav yog ATM rho tawm siv lub xov tooj tsis yog daim npav thiab tus lej.
"Ntau lub tsev txhab nyiaj twb muaj peev xwm no (piv txwv li, Chase, Bank of America thiab Wells Fargo)," hais tias Rossman. "Tab sis raws li peb tau pom nrog lwm hom kev them nyiaj mobile thiab cov hnab nyiaj digital, vim tias nws muaj tsis tas txhais tau tias ntau tus neeg ua nws."
Thaum tib neeg tau siv lawv lub xov tooj rau txhua qhov kev them nyiaj, siv daim npav rho nyiaj yuav zoo li qub. Cov xov tooj yeej zoo li yav tom ntej ntawm kev them nyiaj credit card.
