该平台还能提供在线银行鉴定服务以及让消费者能够实时停用和启用信用卡的功能，在 CNP 领域采用“芯片和密码”(Chip and PIN) 的安全做法，显著减少欺诈行为以及拒付管理费用。
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塔吉特公司早些时候转向芯片和密码的努力从未取得进展。
An earlier effort by Target to move to chip and PIN never gained progress.
同样，有的自动售货亭只支持“芯片密码”类信用卡。这类售货亭在欧洲的火车站、停车场、加油站和过路收费亭很常见。
There are also automated kiosks that accept only the "chip and PIN" CARDS, particularly in European train stations, parking garages, gas stations and some tollbooths.
确定你有一张植入了芯片的卡和四位数的密码（译者注：欧洲银行卡密码是4位），这样的安全保证已经取代了磁条在美国盛行。
Make sure you have a card with an embedded microchip and a four-digit PIN, a security feature that has replaced the magnetic strip still prevalent in the U.S.
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