Bank cards with chips are called chip cards. What is a magnetic stripe card like? Can you send me a picture if you haven't seen it? Thank you.

1 The first card is a magnetic stripe card (with a smooth front and a dark magnetic stripe on the back) and the second card is a chip card (with a metal chip on the front).

2 For composite cards, if this field is set to 2 or 6, you need to use the chip to conduct transactions first, and only use the magnetic stripe when the chip cannot conduct transactions. This situation is also called fallback. The acquiring mechanism can know whether this card is a composite card or a single magnetic stripe card by reading the magnetic stripe data. In addition, the track information of composite cards and single magnetic stripe cards is no different-they are both easy to copy. A set of equipment, 2 minutes, as many clones as you want. The composite card is the product of the transition from a single magnetic stripe card to a single chip card: it takes a certain period for the acquiring terminal in the market to be replaced with a device that supports the chip card. The roadmap of chip card migration can be roughly expressed as follows: single magnetic stripe card-composite card can support chip transaction and downgrade transaction at the same time-composite card closes downgrade transaction and only supports chip transaction-magnetic stripe card is naturally eliminated, and composite card is issued less-and finally only supports chip card transaction. The People's Bank of China issued a notice to close the downgrade transaction of financial IC cards, marking a new stage of chip card migration. At this stage, through hard control of the transaction, the composite card is prevented from forging the magnetic stripe transaction of the card, which will greatly reduce the transaction risk of the composite card. In this case, will the composite card in the customer's hand be safe? The answer is no, let's first understand the principle of closing the downgrade transaction of composite cards. In the whole process of controlling the degraded transaction, three states are very important: terminal capability, transaction access mode and card type (from service code). Simply put, the terminal's ability can be regarded as whether the terminal supports chip card transactions (whether there is a chip card reader); The transaction access method is a credit card method, such as swiping a magnetic stripe or inserting a chip. After swiping the card, the terminal can obtain the service code from the track or chip, so as to know the type of the card (single magnetic stripe card or composite card), obtain the access mode by swiping the card, and finally send the capabilities of the machine to the acquiring bank system and finally to the issuing bank. In the whole process, there are two ways to control the downgrade transaction: 1. Direct control of terminal. The terminal can know whether the card has been downgraded by directly comparing the three states-"I support the chip card, but you brushed the magnetic stripe, no! Please read the chip. " 2. Card issuer control. The terminal gives the card issuer three states, and the card issuer knows whether the card has been downgraded according to the three states sent-"Why do you need to brush the magnetic stripe to support chip trading on the terminal? The transaction was rejected, please read the chip. " The key to the failure to completely solve the security problem of the composite card by closing the downgrade transaction lies in the two key words "People's Bank" and "Terminal Capability". First of all, the notice was issued by the Central Bank of China, which is only binding on domestic institutions. As a "universal" card in your hand, you can still brush the magnetic stripe abroad to do downgrade transactions. Secondly, the capability of the terminal is a very important indicator. If the terminal can support the chip card, it must be required to read the chip, but if the terminal does not support the chip card, the magnetic stripe transaction of the composite card can still be carried out. To sum up, don't think that after the IC card downgrade transaction is closed, the composite card in your hand is foolproof. As long as there are tracks in the card, you can't take it lightly. Don't let the card out of your sight, it's the easiest way to protect it.