nanog mailing list archives
Re: Banc of America Article
From: "David Howe" <DaveHowe () gmx co uk>
Date: Thu, 30 Jan 2003 12:22:16 -0000
at Wednesday, January 29, 2003 6:35 PM, Al Rowland <alan_r1 () corp earthlink net> was seen to say:
The PIN is on your card, likely encrypted
IIRC, the actual answer is a bit simpler - an initial pin is *calculated* from your account number (which *is* stored on the card) and an offset (also on the card) is applied to give the pin you actually type.
Just conjecture, no way to know how this specifically works without looking at the BoA specific ATM code but I'd be willing to bet the code errs on the side of customer convenience over absolute security.
Possibly. unfortunately (here in the uk at least) "the system" also defaults to believing that only the registered owner could possibly use the card - hence lots of cases over "phantom withdrawls" that the bank refuses to refund. So customer convenience is ok provided it comes free for the bank :)
Current thread:
- RE: Banc of America Article, (continued)
- RE: Banc of America Article Daniel Senie (Jan 29)
- OT: Banc of America Article Al Rowland (Jan 29)
- OT: Banc of America Article Al Rowland (Jan 29)
- RE: Banc of America Article Charles Sprickman (Jan 29)
- OT: Banc of America Article Al Rowland (Jan 29)
- Re: OT: Banc of America Article Brett Frankenberger (Jan 29)
- Re: OT: Banc of America Article Sharif Torpis (Jan 29)
- Re: OT: Banc of America Article David Charlap (Jan 29)
- Re: OT: Banc of America Article Krzysztof Adamski (Jan 30)
- Re: OT: Banc of America Article Paul Timmins (Jan 30)
- Re: Banc of America Article David Howe (Jan 30)
- Re: Banc of America Article Joel Baker (Jan 29)
- Re: Banc of America Article Mike Nice (Jan 26)
- Re: Banc of America Article alex (Jan 27)
- RE: Banc of America Article Alex Rubenstein (Jan 26)
- Re: Banc of America Article Jack Bates (Jan 26)
- RE: Banc of America Article alex (Jan 27)
- Re: Banc of America Article Mike Nice (Jan 26)