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Tarjetas con chip: más seguridad contra fraudes y falsificación

La tecnología de chip ofrece el más alto grado de protección contra fraude o falsificación. Por ello, MasterCard trabaja con los bancos a nivel mundial para migrar las tarjetas a esta tecnología. Para finales del 2013, se contaba con 725,1 millones de tarjetas migradas, 22 millones de terminales punto de venta y 748.000 ATM’s a nivel mundial. En Centroamérica ya hay emisores locales entregando plásticos a sus tarjetahabientes con esta tecnología. Y en Europa, la migración ya supera más del 80% del mercado de tarjetas.

Por cada transacción que se haga con este sistema, hay una verificación mediante llaves de seguridad. El sistema ha incursionado en diferentes industrias como transporte público, programas de salud, telefonía móvil, identificación y por supuesto la industria de medios de pago.

El chip es una pequeña computadora que contiene un microprocesador, que le permite almacenar información de manera segura y manejar diferentes aplicaciones en una sola tarjeta. Cuando la tarjeta se inserta en un lector, los contactos proporcionan energía al microprocesador situado en la tarjeta, que contiene claves criptográficas, algoritmos para proporcionar firmas digitales y la información básica del titular de la cuenta que se utiliza en algunos países para las transacciones fuera de línea.

Desde 1994 se iniciaron trabajos para el desarrollo de una aplicación común y estándar a nivel mundial para integrar aplicaciones de crédito y débito en un chip, ofreciendo diferentes ventajas para todos los participantes:

  • Instituciones financieras: transacciones más seguras, incorporación de nuevos productos y servicios en una sola tarjeta y la reducción en el número de aclaraciones por parte de los clientes.
  • Establecimientos comerciales: mayor seguridad en el proceso de transacciones electrónicas y mayor eficiencia en el proceso de compra.
  • Tarjetahabientes: mayor seguridad en la información contenida en el chip de la tarjeta ya que disminuye la posibilidad de falsificaciones mediante la clonación de la banda magnética.

En la medida que los tarjetahabientes conozcan las ventajas de la tecnología CHIP, se eliminaran las creencias que complican el uso del producto y veremos muy normal el tener plásticos con esta tecnología, a partir de este momento, los bancos podrán acelerar la entrega y a su vez la adopción de la tecnología, resultando en transacciones de pago más ágiles, mejor servicio al cliente y más seguridad.


Gabriel Pascual 
Director de MasterCard para Costa Rica,
Guatemala y Honduras

157 Replies to “Tarjetas con chip: más seguridad contra fraudes y falsificación

  1. Ya a mi me cambiaron la tarjeta a chip y es una maravilla.

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