[access-uk] Re: Fw: Disabled People and Chip and Pin
- From: "Derek Hornby" <derek.hornby_uk@xxxxxxxxxxxxxxx>
- To: <access-uk@xxxxxxxxxxxxx>
- Date: Wed, 29 Mar 2006 20:44:25 +0100
Hi Trace
You said:
"according to what I've heard shoulder surfing is a brilliant way
of getting your pin."
Yes and that's a risk only for those that use the ATM so not a risk
for the chip and PIN key pads in the shops!
You also said:
"also consider this, as you say, someone gets your details by opening your
card, imagine that they then intercept your pin number, they could do that
but not necessarily intercept your signature as you wouldn't have
signed the card at that point."
The PIN is only of use if the correct card is used..
If you knew my PIN you can't use it unless you also have my card!
However, if you opened my post, and there was my new card, you could
use it, if it wasn't a chip and PIN card.
All you would need to do is sign it (with my name) then in the shop,
sign the same way as you signed the card.
So basically a dishonest post man could only use a chip and PIN card
only if he stole both the person's PIN, and their card.
But the same dishonest postman could use a chip and signature card
easily
just by stealing the new card.
Remember, new card has no signature, so when the thief signs that new card,
when the thief signs again in the shops, the card signature will obviously
match and they get away with it until the card is reported as stolen or
lost.
That is one reason why chip and PIN has cut down on fraud.
Regards,
Derek
e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx
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