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芯片卡ichaiyang 2024-05-09 18:04 24
Bank magnetic stripe cards and chip cards are two different payment card types, the main differences are their data storage and security aspects.1. Data storage: The data of the ba...

What is the difference between magnetic stripe card and chip card?

Bank magnetic stripe cards and chip cards are two different payment card types, the main differences are their data storage and security aspects.

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1. Data storage: The data of the bank's magnetic stripe card is stored through the magnetic stripe, including the card number, expiration date, cardholder name, etc. Chip cards, on the other hand, store data using integrated circuit chips that can store more information and multiple applications.

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2. Security: Chip card has higher security. The data of the magnetic stripe card is easy to be deleted or read by the magnetic field, and it is easy to make fake cards and stolen brushes. Chip cards use passwords and encryption algorithms to protect data, which are relatively difficult to crack or copy, and can effectively prevent theft and fraud.

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3. Functional applications: Chip cards have more functional applications, such as storing additional personal information, electronic wallets, transportation cards, identity authentication, etc. For example, chip cards can be used in various scenarios such as public transportation payment and electronic tickets, providing more convenience and diversified services.

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4. Card reading method: Bank magnetic stripe cards need to be swiped through the magnetic stripe in the card reader, while chip cards are usually inserted into the card reader or read through wireless contact near field communication technology (such as NFC).

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It should be noted that with the advancement of technology and the increase of payment security requirements, more and more banks and institutions tend to use more secure chip cards to replace traditional magnetic stripe cards.


The differences between magnetic stripe cards and chip cards are as follows

1. Storage: The information in the chip card is stored in the card in the form of a chip, while the magnetic stripe card stores information magnetically.

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2. Storage capacity: Because the information in the chip card is stored digitally, its storage capacity is often larger than that of the magnetic stripe card.

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3. Security: Because the chip card has a security mechanism such as password and key protection, it is more difficult to steal and steal, while the magnetic stripe card is relatively insecure.

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4. Scope of use: Chip cards are mainly used in bank cards, certificate cards, access control cards and other high security fields, while magnetic stripe cards are mainly used in simple application fields such as customer cards and integral cards.

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In general, chip cards are more secure and reliable than magnetic stripe cards, but they are correspondingly more expensive.


Magnetic stripe cards and chip cards are two different kinds of bank cards, with obvious differences.
Magnetic stripe card has a magnetic strip, which stores personal information, its advantage is cheap, easy to use, but its disadvantage is low security, vulnerable to copying, theft and other attacks.
The chip card has a microprocessor chip that stores personal data and programs. It has higher security because it uses encryption algorithms for information transmission, and even if it is stolen, it cannot be easily cracked. However, its disadvantage is that the price is higher and the operation is slightly cumbersome.