VISA Chip & PIN Technology Chip, VISA, PIN, Technology, amp

Littleprince

Visa 最近推出 Chip & Pin Technology﹐ 信中話對我們比較有保障窩。。。

我就看不出保障在哪兒

我用開的卡不嬲都有 CHIP 的﹐我覺得 CHIP + 簽名已經好好﹐因為無咩人冒得到我的簽名﹐若是商戶不對簽名該是他們負責損失才對。。。

要在別人面前按密碼已使密碼給人看見的機會增多﹐何況人家若窺見你的密碼﹐馬上隨後拿了你的信用卡去拿錢﹐損失咪仲大﹖我張卡一向不 SET 密碼的﹐我當然知道 DEFRAULT 左同 DEBIT CARD 一樣 (若你同時擁有銀行戶口)﹐但起碼不需要時時在人面前按﹐減低被人看見的風險。。。

我不明白保障了甚麼﹐有人知道嗎﹖

我看是保障 VISA 自己多一點吧﹖

加拿大商戶從不對簽名的﹐我覺得這是商戶需要負的責任﹐若現在有了 PIN 改為不需要簽名﹐將來被盜用信用卡就水洗都唔清﹐好難拗得甩﹐我考慮緊取消呢張卡了。。。

大家呢﹖覺得呢個 Technology 係好定壞呢﹖

Manlau

I agreed, the cards company simply want to pass the responsibility and loss to the users. I prefer signing to PIN too.

news

原帖由 chrichri 於 2009-2-19 16:17 發表


it is very unusual that they ask sin number for verification cuz most of the time when you apply for visa, it is optional for you to provide a sin number.
Next time when you comes across that kind o ...

yeah very true...i worked in a financial instituion...so i found it very odd when littleprince got asked sin number for verification..haha

ricrick

chrichri, your info is very useful. thxthx

chrichri

原帖由 minimeanie 於 2009-2-19 00:22 發表
got my new visa 2 weeks ago w/ the chip....purposely went to change my PIN to a longer pin...haha...makes me feel safe d...in case ppl look over my shoulder...since i rarely use my debit card before.. ...

for a lot of places outside of canada and US, they don't take more than 4 digits pin number. it will show as error and lock your card after entering 3 times.

chrichri

原帖由 Littleprince 於 2009-2-19 10:01 發表

他們核對我的身份丫嘛。。。

我無問點解呀。。。

it is very unusual that they ask sin number for verification cuz most of the time when you apply for visa, it is optional for you to provide a sin number.
Next time when you comes across that kind of problem, speak to a supervisor.

they normally only need to ask you 3-4 questions if you can answer all the questions correctly. If you answered 1 question wrong, they will ask you more questions, but will not tell you that you provide a wrong answer.

i know sometimes they ask a lot of difficult questions or personal questions, but they are just trying to protect your privacy...
so before you call them... have the necessary information ready...
e.g. what is your credit limit
e.g what is your last purchase/ payment amount or date of last purchase.
e.g is your credit card joint
e.g what is your date of birth?
e.g what is your home phone number?

chrichri

visa chip and pin technology started in europe first.

I think it is more secured than traditional visa card.

1) They will lock your card if you enter the pin number 3 times in error, like debit card. If someone steal your card, they won't be able to use your card after entering 3 times in error.
It is recommended not to use your personal information, like date of birth, phone number... for selecting pin #.

2) To enter some of your guys questions regarding someone might use ur card at atm and withdraw money. Each visa card has a daily cash withdrawal limit at ATM. It doesn't matter how much credit limit you have.
Even though you have 35000 limit, normally you can only take out 1000 per day at atm machine.  Similar to DEBIT CARD.

3) some people would say it is inconvenient to enter pin # at cashier when you go out for fine dining. A lot of restaurants and places are getting wireless terminal machine.

4)  visa pin# Exposure---- It is safer to kinda cover the pin pad when you enter pin# in front of others.

The reason banks migrate the cards to chip cards:
Save money for fraud and lost- also save our time when we don't have to go through fraud on our cards.
It has been significantly reduced numbers of fraud and lost
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Traditional visas are too easy to use... if you cards got stolen, a lot of thieves can easily use cards by forging signatures. They can compromise your cards in a very short period.

Also if you are traveling to other countries, some cashier might not be able to read your signatures in chinese or english. it is so easy for experienced thieves to copy your signatures and make tons of purchases with your card.

Anyway, visa chip card and pin technology will be the trend.

Littleprince

原帖由 news 於 2009-2-19 09:08 發表

huh? how ceom they ask for your sin number? i called several times for trips and stuff and they never asked me for the sin number ga wor..haha..did u ask them why they need the sin number?

他們核對我的身份丫嘛。。。

我無問點解呀。。。

news

原帖由 Littleprince 於 2009-2-18 15:20 發表

係喇﹐VISA 的 SECURITY DEPT 當晒個個都係賊﹐問野問到人好討厭。。。

有次我只係打去叫他們登記低資料﹐因為我就快去旅行﹐唔想將卡碌唔到﹐足足響電話搞左半個鐘﹐問呢問路﹐煩到想收線﹐語氣又差﹐又要等﹐仲有﹐他問 SIN 唔好答 ...

huh? how ceom they ask for your sin number? i called several times for trips and stuff and they never asked me for the sin number ga wor..haha..did u ask them why they need the sin number?

minimeanie

got my new visa 2 weeks ago w/ the chip....purposely went to change my PIN to a longer pin...haha...makes me feel safe d...in case ppl look over my shoulder...since i rarely use my debit card before....