Bankkártyaalapú

Bankkártyaalapú refers to a payment method or system that relies on bank cards, such as debit cards or credit cards, for transactions. This is a common form of electronic payment allowing individuals to purchase goods and services without the need for physical cash. When a bankkártyaalapú transaction occurs, funds are transferred electronically from the cardholder's bank account to the merchant's account.

These systems typically involve a network of financial institutions, payment processors, and card networks like Visa or Mastercard. The security of bankkártyaalapú payments is a significant concern, with measures like PINs, CVV codes, and EMV chip technology employed to prevent fraud. Online transactions often utilize additional security protocols such as 3D Secure.

The adoption of bankkártyaalapú methods has significantly reduced reliance on cash in many economies, offering convenience and enabling e-commerce. However, it also carries risks such as data breaches and potential for unauthorized access to financial information. The infrastructure supporting these payments is complex and vital for modern commerce.