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1、Citibank this week announced that it wasreplacing the debit cardsof customers whose accounts were compromised in thegreat Target Christmas hack. The names, addresses, telephone numbers and email addresses of more than 100 million Target customers got hacked but Citi delayed replacing them because it
2、 didnt want to unnecessarily disrupt Christmas shopping.花旗银行本周宣布，它正在取代客户的借记卡，其账户被泄露的伟大目标的圣诞黑客。超过100亿美元的目标客户的姓名，地址，电话号码和电子邮件地址被黑，但花旗推迟更换它们，因为它不想不必要地破坏圣诞购物。But replacing these cards with the same magnetic stripe technology is like replacing a padlock thats securing a lockbox with another padlock after
3、 someone just used a bolt cutter on it. Look at it another way: the credit card industry is still on dial-up while the thieves are using high-speed broadband. Its a losing battle and one the reasons why the U.S. retail industry is going to remain a target until it catches up with the rest of the wor
4、ld.但具有相同的磁条技术取代这些卡片就像是更换了挂锁的安全与另一挂锁锁箱后，有人只是用就可以了断线钳。看看它的另一种方式：信用卡行业仍是在拨号而盗贼是使用高速宽带。这是一场必败之仗，一个原因美国的零售行业将继续保持一个目标，直到它赶上世界其他地区。For years, consumers in Europe and many other countries have used a technology called EMV (for Europay, MasterCard and Visa), created in the mid-1990s that makes it possible f
5、or retailers to confirm payments locally instead of placing a call to your bank. Thats possible because of a chip on the card that requires you to tap in a PIN code at the point of purchase. Simple. Safe. Secure. Instead, were stuck with magnetic stripes from the 8-track cassette era, which are vuln
6、erable to hacking. With most of the planet using higher tech, hackers naturally focus on the least secure market. (Citi did not respond to request for comment.)多年来，消费者在欧洲和其他许多国家都使用所谓的EMV技术（用于Europay，万事达和维萨），在90年代中期建立的，它使零售商在本地确认，而不是发出呼叫到您的银行付款。那是因为你需要在PIN码来挖掘在购买点的卡上的芯片可能。简单。安全。安全。相反，我们坚持从8轨磁带的时代，这是容
7、易受到黑客的磁条。与大多数采用科技含量更高的星球，自然黑客专注于最不安全的市场。（花旗集团没有回复记者要求置评。）Chip and PIN is making its way into the U.S. slowly; you can get chip and PIN credit cards, which are better to use if you travel overseas. Meanwhile the credit card companies, banks and retailers have been bickering for years over adopting th
8、e technology and about whos going to pay for the infrastructure needed to install it.芯片和PIN是做它的方式进入美国慢，你可以得到芯片和PIN的信用卡，这是更好的，如果你出国旅游使用。与此同时，信用卡公司，银行和零售商已经争吵了多年了采用该技术，并了解谁去支付安装它所需的基础设施。Some companies have gone so far as to say that consumers will resist the new cards, since theyre used to signing for
9、 their purchases. Thats baloney. Given the choice of making their account information vulnerable or tapping in a PIN code at the point of purchase, people will quickly adapt the chip and PIN cards, just as they did ATM cards. Until then, hackers will make the U.S. the global center of credit and debit card fraud.一些公司已经走了这么远，说消费者会抵制新卡，因为他们已经习惯了签字为他们购买。这是胡扯。鉴于使他们的帐户信息弱势群体或在购买点攻的PIN码的选择，人们会很快适应的芯片和PIN卡，只是因为他们没有ATM卡。在此之前，黑客会令美国信用卡和借记卡欺诈的全球中心。
