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North American Network Operators Group

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Re: OT: Banc of America Article

  • From: David Charlap
  • Date: Wed Jan 29 17:12:39 2003

Al Rowland wrote:
The PIN is on your card ...
Not for any card I've ever owned. I've changed my PIN several times over the years, and the bank has never re-encoded my card or sent me a new card as a result of doing so.

Maybe some banks do store the PIN on the card, but I'm certain that it's in the server for ever bank I've used.

I use a not-my-bank ATM in the lobby at work and it doesn't
initiate the call (you can hear the modem dial) until you're beyond the
PIN screen and are actually requesting a transaction.
I'm not surprised. But the PIN is verified as a part of the transaction.

I've occasionally mistyped my PIN. The ATM takes the mistake and goes straight to the menu. It's only after requesting a transaction that it comes back with the "invalid PIN" message.

-- David





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