Thursday, September 28, 2017

Will Chip Technology Really Make Your Credit Card More Secure?



The government is promising to make your credit cards more secure. In fact they are going to require that every card have an embedded chip built-in by fall of 2015.

The goal is provide better security than the old swiping method and hopefully avoid the problems of fraud caused by hackers at Target and other retailers.

The old swipe machines will eventually be laid to rest. So sometime probably after October, 2015, retailers will be liable for fraudulent purchases as a result of using one of the older swiping devices.

Every other economic power nation uses these chip cards, the U.S. is the last to come online. Why?

Credit cards companies have fought this due to the pricier expense of card production. Payment terminals are also costly to upgrade causing retailers to turn the other cheek. The complexity of the entire U.S. credit card system is also an area of concern as the two main credit card players, Visa and Mastercard, are interfaced between retailers seeking easy transactions and banks seeking secure transactions.

While adoption of chip cards has slogged along, fraud in the U.S. has risen. Those magnetic stripe cards, in use in the U.S. since the 1970s, are easy to clone.

According to a report from BI Intelligence, The U.S. accounted for 51% of global payment fraud costs in 2013. The cost of U.S. payment card fraud grew by 29% in 2013, from $5.5 billion in 2012 to $7.1 billion last year.

Experts claim the chipped cards will make it all safer. Three firms have combined for the most widely used chipped card called "EMV", representing those that developed the technology Europay, Mastercard and Visa.

EMV cards include a microchip that creates single-use codes for every transaction instead of relying on the card number, making the data useless if it's stolen. Some experts believe these this technology could cut some form of credit card fraud in half.

Citing a United Kingdom study, a research firm, Aite Group, said following chip card adoption, counterfeit card fraud dropped in the U.K. to $67 million in 2013 from a whopping $151 million in 2004. Fraud from lost and stolen cards also dropped by a third during the same period.

So how are the chip cards used? One way is to require buyers to enter a passcode personal identification number or PIN after the chip has been read. This effectively protects them from both counterfeit cards and the use of lost and stolen cards.

The other type of transaction reads the chip, but then asks for the signature. A little like what we have today without the magnetic stripe.

It appears the chip and sign method is what the U.S. will use first. Walmart is first on-board, currently the only major retailer accepting chip cards in its stores. Square has announced they are launching new technology that will use the chip and sign methodology on mobile devices, a boost for retailers. Some however believe thieves will adjust to this quickly and fraud will occur at current levels.

Until the PIN and chip method are fully in place, don't expect to feel fully secure from credit card fraud. Experts believe it could take several years for this system to be put in place unless another major breach occurs and consumers start screaming for a major change.




George Rosenthal is a founder and partner with ThrottleNet Inc.. ThrottleNet offers an array of technology services and products to help business owners achieve their corporate goals and accelerate business growth. These include cloud computing, custom software and mobile application development, and outsourced Managed Network Services which helps companies improve their technology uptime and IT capabilities while, at the same time, reduces costs.

Tuesday, September 12, 2017

How to Repair Computer Registry

Most people will not spend their cash on things that seem to be pointless. If your computer is not learning as it used to then there is no reason of spending money when you can get free services over the internet? Many site offers free downloads of their software that are used in repairing the computer registry. These soft wares will usually give you the number and the type of problem in your computer. Some will also have the capability of fixing the problems for you.

Most of these freeware programs will not be fully functional and will have some functionality disabled for example when repairing your machine registry using these soft wares you may not be able to back up your registry entries because the back up option is disabled and can only be enabled after purchasing the software.

When planning to purchase some of the registry cleaning tools it is always advisable to download a trail first and see if the features you need are available. Many people search the World Wide Web for registry repair tools, they want to download free and view the various options that are available. This gives them the opportunity to make the right choice. By doing this one should have the right tool for repairing the computer registry.

I would recommend that one should do a little research and invest a few dollars in a registry repair tool. If you find a suitable registry tool, I will advice you to buy a license for that software. This is good as it supports the developers of that software. Once you have the full version of the software you can clean the registry whenever applicable with ease.

The author is an accomplished technology blogger, reads tech articles on various topics, from blogging, web design, internet marketing tips to many more.

All Anyone Needs To Know About Desktop Computers

Shopping for a computer is just like shopping for any expensive investment when you know more, you'll get better results. This article will give you beneficial information towards your buying process. This article has been written by experts.

Use virus protection software. Running without antivirus support can leave you vulnerable to malicious software invading your system. This software can find your personal information and cause your computer's performance to suffer. Anti-virus protection programs exist to identify and eliminate threats to your computer security. You can find some useful anti-virus programs on the Internet that are free to use, while others are available for purchase.

Try to find computers that are being given away. You may be able to get one very inexpensively because others are switching over to using laptops. It is still important to verify that fact, although in many cases, the machines are in great condition.

When you are looking at desktop computers, check out the add-ons that are included. There are many accessories that you can purchase for your new computer. Only buy those you require. In addition, shop around for the best prices because many add-ons cost less when purchased elsewhere online. Those from the manufacturer are sold at higher prices.

Take measurements of the space where the desktop will be kept. Desktops have large variations in size. Certain machines have smaller profiles, and others use lots of vertical area. Know what you can fit into the location that you are considering.

Check to see that the computers fan is legitimate. It is usually not too difficult to remove the case. Then use compressed air to remove the dust. This keeps your computer clean and allows the fan to work efficiently.

Before purchasing a computer, look online for reviews. You can easily get overwhelmed with your options when looking for a computer. If you look for quality reviews written by technical professionals, you will be able to get the one that will perform as you expect it to.

Invest in Parallels for your Mac computer. This makes it so your Mac can run PC operating systems. This means you will have the ability to run any software that was made for a PC. It will be necessary for you to buy the operating system.