3 ms·
When I enquired my bank about my EMV card, they informed it that it preferred Chip+Signature, but that it also supported online (aka "realtime") Chip+Pin author
by terinjokes 12y ago
When I enquired my bank about my EMV card, they informed it that it preferred Chip+Signature, but that it also supported online (aka "realtime") Chip+Pin authorization. It is not configured to support offline Chip+Pin like many european cards.
- JimmaDaRustla 12y agoPIN verification is performed against the chip first, not online. Although Chip+Signature is possible, it really doesn't make sense. Edit: Chip cards provide a Cardholder Verification Method List (CVML) to the terminal. The terminal then decides what method it'd like to use. Options are PIN online, PIN offline plain text, PIN offline enciphered, Signature, or No Authentication.