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毫无疑问,随着市场竞争的不断加大，今天国际市场上的大多数组织本质上依赖于信用卡的使用,信用卡可以说是最具战略性的资产,能最有效最大程度支持现有业务操作。

然而,信用卡欺诈和身份盗窃仍然持续困扰着银行和零售行业，目前看来，似乎并没有可行的方法解决这些犯罪行为。技术的进步已经为黑客打开了一个网关，有利于他们重组他们的攻击位置，入侵的别人的生活。

这个项目的基础是在新的芯片和销售技术的基础上介绍信用卡。我认为这是一个有趣的话题,因为这种技术的“宣传”已经得到了全世界各地的接受和关注,甚至普及到了与我们隔海相望的国家和地区,如特立尼达和多巴哥。因此,将以公共银行有限公司的一个当地银行案例作为研究对象进行深入研究和探讨。

There is no doubt that most organisations today are becoming essentially dependant on the use of credit cards, arguably its most strategic asset, is to support existing business operations.

However, credit card fraud and identity theft has continues to plague the banking and retail industries as there seems to be no feasible solution to these crimes. Advances in technology have opened a gateway for hackers to restructure their position of attack, intruding on one’s personal life.

The basis of this project is on the new Chip and PIN technology introduced on credit cards. I’ve considered this to be an interesting topic because of the ‘publicity’ this technology has been receiving across the world and it has even reached to our shores, here in Trinidad and Tobago. Hence, Republic Bank Limited one of the local banks would be the case studied in this research.

Chapter two would encompass the existing literature on credit card history and Chip and PIN. This chapter would Outline how credit cards have become ‘smart cards’ and how the Chip and PIN cards are used.

Chapter three gives the entire design of the project and the objectives to be obtained for the research. Moving to chapter four, the research framework adopted for this study on Chip and PIN and how it relates to the model undertaken in the research.

The findings from this research would be summarized version of the data collected, with the analysis of the theory and research framework the author undertook in this study.

In concluding, the author would report on the learning aspects of the research and provide an assessment of achievements, giving a position on the research question.

Literature REVIEW

This section is intended to place the scope of the project with literature surrounding the components of the research question.

The Credit Card Transaction Process Discussed

This payment mechanism was formally introduced in 1958, when the BankAmericard card, now known as Visa was franchised across the global community. By introducing an electronic authorization system, the BankAmericard was able to be used globally. Now by partnering with banks across the globe, Visa has been able to provide an international processing system for the exchange of money. The workings of a credit card transaction are such that it comprises of four main steps. These are:

Authorization

Batching

Clearing

Funding

The cardholder requests a purchase from the merchant, which is then submitted to the acquirer by the merchant. The acquirer then sends a request to the issuer to authorize the transaction. Once the authorization code is sent to the acquirer本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。