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You obviously don't understand how chip cards work. Unlike mag-stripe, data elements are not accessible on the chip. The PIN check is performed on the chip car
by JimmaDaRustla 13y ago
You obviously don't understand how chip cards work.
Unlike mag-stripe, data elements are not accessible on the chip. The PIN check is performed on the chip card itself, and a PIN cryptogram returned for use in the online transaction. The PIN does not get decrypted at the ATM.
- brazzy 13y agoActually I didn't know the details but had thought that would be the safest method to deal with the PIN. But I assumed you were talking about the equivalent of the "Track 2 data", i.e. issuer ID, account number, etc. Is that also kept away from the ATM? As for the PIN - if the encryption happens in the chip card, how does it get from the PIN pad to the card in a way that cannot be intercepted? And finally, what prevents compromised ATM software from displaying "please enter PIN now" while keeping the PIN pad int the direct mode used to enter the amount?