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Authorizing Card Payments with PINs
February 2008 (vol. 41 no. 2)
pp. 64-68
V?clav (Vashek) Maty?š, Masaryk University
Dan Cvrcek, Brno University of Technology
Jan Krhovj?, Masaryk University
Marek Kumpost, Masaryk University
Chip and PIN technology was introduced as a means of decreasing payment-card fraud. However, according to results of a two-phase experiment, the technology makes it easier for thieves to obtain PINs and more difficult for customers to defend against counterfeiting.

1. B. Adida et al., "Phish and Chips—Traditional and New Recipes for Attacking EMV," Proc. 2006 Int'l Workshop Security Protocols, to appear in LNCS, Springer-Verlag.
2. D. Cvrcek, J. Krhovják, and V. Matyáš, "PIN (and Chip) or Signature—Beating the Cheating?" Proc. 2005 Int'l Workshop Security Protocols, LNCS 4631, Springer-Verlag, 2007, pp. 69–75.
3. R. Anderson and M. Bond, "The Man-in-the-Middle Defence," Proc. 2006 Int'l Workshop Security Protocols, to appear in LNCS, Springer-Verlag; .

Index Terms:
Chip and PIN technology, e-commerce, PIN pads
V?clav (Vashek) Maty?š, Dan Cvrcek, Jan Krhovj?, Marek Kumpost, "Authorizing Card Payments with PINs," Computer, vol. 41, no. 2, pp. 64-68, Feb. 2008, doi:10.1109/MC.2008.40
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