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Натискът върху банките в САЩ да възприемат "чип + пин" се увеличава

Експерти: няма честно обяснение от страна на банките да отказват на американците същото ниво на сигурност на кредитните карти, което се предлага в Канада и Европа

22 януари 2016, 3675 прочитания

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Адвокатски колегии на осем щата и окръг Колумбия са изпратили съвместно писмо до компаниите, настоявайки те да възприемат технологията "чип + пин" като начин за намаление на кражбите на данни и карти. 

Bank of America

Прочетете още: Eлектронните разплащания – пазар с голям потенциал

Банките в Америка са издали милиони карти с чип през изминалата година, наваксвайки по този начин изоставането си от по-голямата част от останалия свят, но за разлика от другите държави, които преминаха към PIN идентификация на собственика на картата, в САЩ продължава да се изисква подпис като втора форма на удостоверяване. 

Новите карти изпращат електронно еднократни кодове вместо номера на картите, когато клиентите плащат. Това елиминира риска от кражба на данни чрез зловреден код в системата на магазина, като например тези, който поразиха милиони клиенти в Target и Home Depot, но не може да спре измамите при транзакциите на място в магазина. 

"Няма съмнение, че това е един по-слабо защитен стандарт, тъй като полагането на подписа може да бъде лесно забравено, копирано или дори пренебрегнато на мястото на продажбата, - пише в писмото на адвокатите. - С цел по-добра защита на потребителите трябва да бъде наложено като задължително условие при картите с чип в тази страна де се изисква потребителите да въвеждат PIN, за да потвърдят транзакцията."

Писмото е адресирано до главните изпълнителни директори на Bank of America, JP Morgan Chase, Citigroup, Capital One, Visa, Mastercard, American Express и Discover, като инициативата е дело на адвокати основно от Кънектикът, окръг Колумбия, Илинойс, Мейн, Масачузетс, Ню Йорк, Роуд Айлънд, Върмонт и Вашингтон.

Адвокатите в САЩ много често са наемани в случаи на кражба на данни, откъдето идва и тяхното желание да се намалят злоупотребите с финансови карти. 

Зад нежеланието на издателите на карти да въведат използването на PIN идентификация е силно конкурентният пазар на финансови услуги в САЩ. Нито една банка не желае да бъде първата, преминала към този начин на удостоверяване, поради страха, че потребителят в нежеланието си да помни PIN кодове лесно би заменил тази карта в портфейла си с друга, която все още не изисква PIN, а позволява удостоверяване само чрез подпис. 

Търговците, които са инвестирали милиони долари в терминали за новите начини на разплащане, призовават за използване на PIN от няколко месеца. Ръководството на Асоциацията на търговците на дребно в САЩ аплодира бурно писмото на адвокатите, наричайки "чип + пин" стандарта "златен стандарт" за картовата сигурност. 

"Просто няма честно обяснение от страна на банките да отказват на американците същото ниво на сигурност на кредитните карти, което се предлага в Канада и Европа", коментират от Асоциацията. 

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21:21, 09 август 2017 # 23
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11:08, 11 август 2017 # 24
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09:22, 14 август 2017 # 25
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