Traduction de «titulaire de carte à microprocesseur » (Français → Anglais) :

It is in the interest of the consumer that for the same category of cards the payees cannot discriminate between issuers or cardholders, and payment card schemes and payment service providers can impose such an obligation on them.

In Canada, these include: Zero liability, which means that consumers do not pay for transactions they did not make; the Verified by Visa service, which, through the use of a personal password, gives consumers added protection when they shop online with participating merchants; neural networks that monitor Visa card transactions 24/7, looking for unusual purchase situations; Chip cards, which are virtually impossible to copy to another card and help protect cardholders and retailers from lost, stolen or counterfeit card fraud; the three-digit code, which is also referred to as CVV2, is used by merchants to ensure that the purchaser is ...[+++] using a genuine card; and lastly, the Account Information Security Program, commonly referred to as AIS, which is a standards-based compliance validation and education program designed to help protect data at all points in the Visa payments system.

Interchange compensates the cardholder's financial institution for the value it provides to merchants by bringing cardholders into the system and subsidizes the cost of features that attract cardholders.

Electronic money is defined in the proposals as monetary value stored on a chip card (pre-paid card or 'electronic purse') or on a computer memory (network or software money) and which is accepted as a means of payment by undertakings other than the issuer.

In spite of this recommendation, numerous problems still arise in practice for motorists with disabilities, caused mainly by : - differing formats of parking cards from one country to another; - the language barrier; - uncertainty among card holders as to whether their cards are recognised and accepted in each Member State; - a lack of awareness about the facilities granted by other Member States in relation to such cards.

The Commission notes with satisfaction that substantial agreement has already been reached on standards for cards using magnetic strips; it is important that the same success should be achieved in relation to the next generation of cards incorporating microprocessors.