但据我所知，没有商家实施了上述方案：他们改为采用交换机。
However, as far as I know, no vendors implement the above scheme; they assume the presence of switches instead.
因为大多数美国的商家没有 EMV 终端，它实际上是个依然只有磁条的混合体。
It's actually a hybrid that will still have a magstripe, since most U.S.merchants don't have EMV terminals.
没有哪家正规商家会用邮件问你的信用卡信息或者密码。
No legitimate business asks for your credit card information or passwords by email.
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