The difference between a card with a chip and a card without a chip.

Bank cards, which are commonly called credit cards, are slowly starting to move to a new technological level. So, more and more popular are credit cards not with a magnetic strip of protection, but with chips. Is there a difference between cards with and without chips for an ordinary consumer - check with TheDifference.ru.

Definition

Card with a chip - bank plastic card, the identification data of the owner of which is sewn into the microcircuit.

Card without a chip - a bank plastic card, the identification data of the owner of which is recorded on a magnetic stripe.

Comparison

The difference between a card with a chip and a card without a chip is in data security. Bankers are quite conservative, and if they have demanded new technologies, then the reason must be very valid. She is: they steal! Rather, they cheat. Magnetic stripes have learned to counterfeit, chips, as a more complex technology, are not yet available.

For the layman, switching to a card with a chip brings both disappointments and simple joys. The chip assumes a fairly large amount of information, not just bank data. It is planned to use bank cards to store electronic tickets or other personal information to facilitate the purse in an honest manner. A driver's license, medical insurance, passport details and much more under the control of a microprocessor will save you from many problems. The disappointment lies in the fact that cards with a magnetic stripe are now accepted by any ATMs and terminals where cashless payments are generally possible. Chips, as a relatively new phenomenon, are not familiar to every technique, which can turn out to be very inconvenient.

Banks refuse to issue cards without chips. Bankers reinsure themselves by issuing cards with both chips and magnetic tape. This does not increase security, but it does not deprive it of convenience in any way. On the other hand, cards with chips are more expensive than cards without them, and often the costs are secretly passed on to the consumer: service tariffs increase.

Conclusions TheDifference.ru

  1. A bank card with a chip is safer than with a magnetic stripe.
  2. Cards without a chip will soon disappear.
  3. Chip and magnetic stripe cards do not provide adequate information security.
  4. Other personal data can be linked to the chip card.
  5. Chip cards may not be served in unprepared terminals and ATMs that are already installed.
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