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    當前位置首頁 » 新聞資訊 » 新聞資訊 » 常見問題解答 » 銀行芯片ic卡有什么好處?

    銀行芯片ic卡有什么好處?

    返回列表 來源:建和智能卡 瀏覽:- 發布日期:2015-10-17 15:17:00【

    如今銀行卡、信用卡由磁條卡換成芯片ic卡已成定局。還沒更換芯片ic卡的客戶請盡早更換。芯片ic卡好處有哪些:

    (1)卡片有效期不同,原磁條卡卡片有效期為3年,IC卡有效期為10年。

    (2)交易時讀取的方式不同,磁條卡是用刷卡的方式讀取磁條信息,IC卡是用插入芯片的方式讀取芯片信息,故在使用IC卡時,請留意操作人員的讀取方式,盡量要求操作人員用插入芯片的方式使用卡片,以防范磁條信息被側錄的風險。

    (3)賬戶結構不同,磁條卡的賬戶結構為貸記主賬戶,即記錄卡內透支余額或溢繳款的賬戶;IC卡的賬戶結構為:貸記主賬戶+電子現金賬戶。

    (4)安全性不同,磁條卡存在易被不法分子側錄、刻錄,從而被偽冒盜刷的風險;IC卡的芯片信息不易被不法分子盜取,目前被公認為安全系數最高的信用卡。

    乐汇彩
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