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Huh? I'm confused, I live in the midwest and chip and pin is everywhere. Do stores not use it in other places?
by gagege 9y ago
Huh? I'm confused, I live in the midwest and chip and pin is everywhere. Do stores not use it in other places?
- upvotinglurker 9y agoWhere I live (also US midwest, rural area), about 2/3 of locations where I regularly shop have the "chip" part implemented, zero have the "pin" part. (Chip and pin = having to type a pin each time you use the card in the chip reader.)
- pwthornton 9y agoIt's all chip and signature here.
- gagege 9y agoApparently not where I live, in South Dakota. The machines ask for my pin every time. Edit: I just figured out why. My bank is apparently providing the chip and pin functionality.
- drewg123 9y agoWhat bank do you use? I've tried several times to get any of my cards switch from signature to pin with nothing but confusion from my banks. "But a pin is only for debit cards" is the typical response.
- paulmd 9y agoThe US doesn't have chip-and-pin, we have chip-and-sign. Chip-and-pin provides effective two-factor authentication (something you have, something you know) while chip-and-sign is only single-factor authentication. There is no way to check signatures in real-time (or even at all, really).
- gagege 9y agoPretty much every store I go to, I use the chip and then enter my pin. I haven't had to sign in over a year. I'm in South Dakota. Edit: I just figured out why. My bank is apparently providing the chip and pin functionality.
- paulmd 9y agoLucky you. Not having the chip severely reduces security (it can no longer prevent card theft, only cloning). Frankly it also precludes the idea of a "duress pin" that calls the cops, which should be a thing if it isn't.