純磁條信用卡 將走進歷史 - 信用卡
By Caitlin
at 2018-08-28T07:28
at 2018-08-28T07:28
Table of Contents
圖片:https://imgur.com/Ni1O1H5.jpg
純磁條信用卡恐將在台灣絕跡,兩大國際信用卡組織威士
(VISA)與萬事達卡(MasterCard)均要求發卡銀行,未來新
發卡片必須晶片、感應、磁條三種功能兼具,單純的磁條卡不
宜再發,目前流通約百萬張的純磁條卡,將逐步淘汰。
國內行動支付在國際三大行動支付Apple Pay、Samsung Pay
、Android Pay與社群軟體LINE Pay陸續登台後,使用人口逐
漸增加,威士與萬事達卡為了進一步養成持卡人使用感應交易
卡片的習慣,發函各發卡行,要求發新卡必須為晶片加感應卡
片,並訂下時間表。
威士要求自今年10月1日起,萬事達卡則是要求明年4月12
日開始,全面升級新發卡。至於沒有附晶片、單純的磁條卡,
兩大國際組織則是希望,各發卡行別再發磁條卡,除非還有庫
存卡片。
目前台灣市場有約4,500萬張流通卡片,根據兩大國際卡
組織概估,純磁條卡大約剩下不到5%,可能在約百萬張左右。
許多大型發卡行已經不再發行純磁條卡,發卡量相對較小
的銀行,發磁條卡的比率相對較高,這些銀行在收到兩大組織
通知後,也擬定因應規劃,準備在第4季到明年上半年,全面
改發晶片加感應卡片。
銀行信用卡部門主管指出,兩大國際卡組織相關要求雖沒
罰則,但考量銀行不定時會有促刷案與卡組織合作,需要卡組
織的資源與支持,因此既然兩大卡組織要求升級新發卡片,銀
行就只好配合,以利後續行銷。
萬事達卡台灣總經理陳懿文指出,銀行並沒有統計磁條卡
與其他晶片感應卡片的張數,但確實還有銀行在發單純的磁條
卡,但是單純的磁條卡較容易遭到側錄盜刷,即使不從行動支
付、感應交易普及的角度考量,單就安全性來看,磁條卡都遠
不如晶片卡與感應卡。
威士卡台灣區總經理麻少華並表示,威士卡也同步更新店
家端末刷卡機設備,要求商家更換刷卡機要同時擁有刷磁條、
讀晶片與感應交易三合一的刷卡機,配合卡片升級與行動支付
普及率攀高。
來源:
2018-08-28 00:27經濟日報 記者夏淑賢/台北報導
https://money.udn.com/money/story/5613/3333878
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