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Topic: Chip and PIN

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	Chip and Pin - What is Chip and PIN ? - Box Technologies, UK.
		Chip and PIN is the new, more secure way to pay with credit or debit cards in the UK.
		Since its introduction chip and PIN has already had an impact on card fraud with lost and stolen and counterfeit card fraud down by almost a third in the first half of 2005.
		After 14 February 2006 all chip and PIN cardholders must use their PIN to be sure they can pay, they will no longer be able to over ride the PIN prompt and sign for their goods.
	www.boxtechnologies.com /chipandpin/chip-pin.html (197 words)

	Halifax - Chip and PIN Common enquiries
		Chip and PIN is a secure card payment system that is being introduced to help prevent fraud.
		A PIN (Personal Identification Number) is a 4-digit code either assigned to, or chosen by a cardholder to help prove that they are the authorised owner of a card when making a chip and PIN based transaction.
		Chip and PIN cards have been working successfully in France for the last 10 years and have help to significantly reduce fraud.
	www.halifax.co.uk /creditcards/chipandpinfaqs.asp (1018 words)

	Chip and PIN - Wikipedia, the free encyclopedia
		Chip and PIN is the name of a government-backed initiative in the United Kingdom to implement the EMV standard for secure payments.
		Chip and PIN is the name given to the initiative in the UK but countries worldwide are launching their own initiatives based on the EMV standard, which is a group effort between Europay, MasterCard and VISA.
		Chip and PIN was trialled in Northampton from May 2003, and as a result was rolled out nationwide in 2004 with advertisements in the press and national television touting the Safety in Numbers slogan.
	en.wikipedia.org /wiki/Chip_and_PIN (1396 words)

	Liberty Opening Hours (Site not responding. Last check: )
		Chip and Pin’s appearance is a direct reaction to increasing card fraud - up 30% annually in the UK - amounting to £120 million a year in Greater London alone.
		Aside from counterfeit and lost and stolen cards, Chip and Pin also prevents the problem of card skimming, where your card is swiped on a separate device and all of your data taken from it.
		Chip and Pin prevents this because key pads will be positioned at tills or hand held devices will be brought to restaurant tables.
	www.liberty.co.uk /store_info/chip_and_pin.asp (443 words)

	first direct chip and pin
		The new chip and PIN system will be fully implemented as a more secure way to pay for goods and services.
		If you enter your PIN incorrectly in three attempts, your PIN will then become 'locked' and you will be unable to use it again at a till point until it is 'unlocked' and will have to find an alternative way to pay.
		Chip and PIN is being introduced in several countries at the moment.
	www.firstdirect.com /creditcards/chip_and_pin.shtml (532 words)

	Chip and PIN - Home
		Chip and PIN is a more secure way to make card payments which is designed to protect cardholders from the risk and inconvenience of card fraud.
		Chip and PIN technology is part of a Government backed initiative which is being fully funded by banks, retailers and card issuers.
		Known as PIN Protected cards or chip and PIN cards, the combination of a chip and PIN has been proven to be highly effective in combating card fraud.
	www.rbsgchipandpin.com (156 words)

	Chip & Pin - Important Information
		This means that until Valentine's Day, when a cardholder cannot remember their PIN, the retailer will be prompted by the Chip & PIN terminal to check online with the card issuer and they can choose to accept a signature.
		The decision to move to Chip & PIN functionality was primarily based on fraud prevention, as the Chip cannot be easily copied.
		The PIN is securely encrypted (held in a secure memory) within the Chip, which means that it is extremely difficult and time consuming for a criminal to access the PIN if your card is lost or stolen - they would be likely to destroy the card in the process.
	www.if.com /chipandpin.html (1188 words)

	Chip and PIN Frequently Asked Questions
		The UK's chip and PIN programme is an initiative launched by the government and the banking industry to crack down on card fraud.
		Changing to chip and pin is an enormous task involving large scale technical changes, training for the 1.5 million retail staff and education for the 42 million card holders.
		Because there are currently no chip and PIN cards in circulation, but there are approximately 50 million chip only cards, it is rumoured that the UK is moving first to chip and then to chip and PIN.
	www.tridentdisplays.co.uk /card_readers_writers/chip_pin.html (5963 words)

	Chip & Pin - Important Information
		This means that when a cardholder cannot remember their PIN, the retailer will be prompted by the Chip & PIN terminal to check online with the card issuer and they can choose to accept a signature.
		In stores that have upgraded to Chip & PIN, the terminals will read your cards, and if they are Chip & PIN cards, you will be asked to enter your PIN, if they are old style cards, you will be asked for a signature.
		This PIN is the same 4-digit number that you currently use to withdraw money at a cash machine.
	www.if.com /chipandpin_cc.html (1130 words)

	Streamline - News - Chip and PIN
		Chip and PIN is now the most secure and favoured method of making a face-to-face card payment transaction.
		The option to by-pass PIN was withdrawn by most card issuers in February 2006 but due to the nationwide publicity given, the public readily accepted this without the need to force the change.
		Some chip and signature cards have been issued by banks specifically because cardholders are unable to use PIN, and cards issuers overseas, particularly North America, have not yet deployed chip and PIN.
	www.streamline.com /Already_a_customer/Additional_products_&_services/Chip_&_PIN/default.htm (358 words)

	Chip and PIN users offered memory tricks \| OnWindows.com
		Chip and PIN, the UK operation to introduce chip and PIN technology to the nation, has unveiled a campaign to help people memorise their PINs as the new, more secure technology rolls out across the UK.
		But to help those who do struggle with their four-digit PINs, a guide featuring hints, tips and memory tricks is now available from the chip and PIN Web site.
		With chip and PIN, credit and debit card holders will need to remember their four-digit PIN – the same number they would use to withdraw money at a cash machine – to verify purchases at the point-of-sale.
	www.onwindows.com /Articles/redirected/386/Default.aspx (621 words)

	Chip and PIN - Home
		The Chip and PIN Program issues final advice for changeover at midnight on 14 February (PDF)
		If you use a credit or debit card, find out here what chip and PIN means for you.
		outside the UK Information and advice for individuals and organisations overseas who are interested in how chip and PIN has worked in the UK, and how it will impact visitors to the UK.
	www.chipandpin.co.uk (187 words)

	Chip og PIN
		Chip og PIN reduserer svindel og omstridte transaksjoner, slik at du sparer tid og penger på konfliktløsning.
		Med chip og PIN er det ikke behov for å kontrollere signatur, og noen betalinger kan autoriseres uten å være tilkoblet, noe som sparer tid og reduserer kostnadene til telekommunikasjon.
		Når en chip ikke virker, kan det skyldes en feil med kortet eller terminalen.
	www.visa.no /blibrukersted/chipkort/chipogpin.jsp?src=home_page (537 words)

	Chip & Pin
		This will be replaced with a smart chip and by 2005 all card holders will be required to verify their PIN details.
		From 1st of January 2005, retailers who have not upgraded to Chip and PIN technology will be Liable for any credit and debit card fraud which takes place within their business premises.
		The purpose of the implementation of Chip and PIN technology at Point of Sale is that of providing a more secure system with considerable reduction of fraudulent transactions.
	www.nrsltd.com /chippin/chippin.html (163 words)

	Chip and PIN Solutions - Chip and PIN
		Chip and PIN is a new payment system that introduces a more secure way for people in the UK to use their credit and debit cards.
		Chip and PIN technology vastly reduces the level of credit and debit card fraud.
		Currently, this type of fraud is costing the UK over £400 million a year and without chip and PIN estimates suggest it would have risen considerably higher.
	www.chipandpinsolutions.com /index.php?view=85 (180 words)

	BBC NEWS \| Programmes \| Newsnight \| Is Chip and Pin really secure?
		But these Chip and PIN machines are different, they've been prised open to reveal their insides.
		Chip and PIN was supposed to help protect us all from card fraud.
		At the very least, the onus is shifted to the banks to come up with the evidence to show that these people are lying, and it's not their own Chip and PIN systems that are at fault.
	news.bbc.co.uk /1/hi/programmes/newsnight/7265437.stm (1154 words)

	ePaynews.com - Resources for Chip and PIN
		The decision to move to chip and PIN is driven by fraud.
		PIN security is a critical issue but at this moment UK security and certification requirements for PIN are still to be finalised.
		A PIN pad that features an integral card reader offers a good solution for both cashier and customer card handling, particularly where the card reader is vertical so that the card can be inserted easily from both sides of the till.
	www.epaynews.com /resources/chip_and_PIN_in_UK.html (820 words)

	Richard Newman » holygoat.co.uk » blog » Chip and PIN
		Chip and PIN removes some of this threat — the retailer is (in principle) not supposed to touch the card, reducing our* opportunities to swipe magnetic strips, and we cannot obtain signatures.
		Chip and PIN raises the bar from copying a magstripe and trivially obtaining a signature to theft (or difficult copying) and very time-dependent shoulder surfing (the PIN is encrypted at point-of-entry, unlike a paper signature, and cannot be extracted later).
		By introducing Chip and PIN, they limit the possibility of fraud by the retailers, while increasing the threat from members of the public.
	www.holygoat.co.uk /blog/entry/2004-12-19-1 (514 words)

	Computer Laboratory Security Group: Chip & PIN (EMV) relay attacks
		Chip and PIN currently does not defend against this attack, despite assertions from the banking community that customers must be liable for frauds in which the PIN was used.
		Chip and PIN is intended to reduce fraud by requiring the genuine card and matching PIN be presented for a successful transaction.
		Unbeknownst to her, Bob, the crook waiter, presents her with a terminal which looks and behaves like a real Chip and PIN terminal, but is secretly relaying a transaction with Alice's card to Bob's partner in crime – Carol.
	www.cl.cam.ac.uk /research/security/banking/relay (2648 words)

	chipandpin.org
		The chip is significantly more complex than the magnetic stripe, and criminals will find it uneconomic to copy.
		The chip allows PIN to be used everywhere: signature checking at the point of sale will disappear.
		Together, chip and PIN are expected to reduce UK card fraud by more than half.
	www.chipandpin.org /pages/a1.htm (253 words)

	Fighting Credit Card Fraud: Chip and PIN \| Ireland \| MBNA
		If you shop at a retailer that does not have a PIN pad attached to the terminal, or if you have yet to receive your Chip and PIN card, you will be required to sign as you always have done.
		You are allocated a PIN by us when you get your card, but you can change it at most cash machines to one you'll more easily remember (but we won't allow patterns such as 1234 or 7777).
		If you forget your PIN and enter it incorrectly four consecutive times, the PIN becomes locked and you'll need to sign a paper receipt to confirm that you're the cardholder; to unlock it again, call 1800 409 511 and speak to an adviser.
	www.mbna.com /ireland/creditcards/chip_pin.html (313 words)

	Chip and Pin
		The new "Chip and Pin" credit and debit card system will mean that instead of signing a receipt to say that you have paid for your goods with your credit card you will instead enter a four digit Personal Identification Number (PIN).
		Chip and Pin will help the credit card industry reduce fraud in the medium term and the chip has enough memory capacity to contain other biometric identifiers which could be added at a later date.
		Although the UK is the first to change to chip and pin all other European countries are going to make the change.
	www.whatprice.co.uk /financial/chip-and-pin-credit-card.html (969 words)

	Chip and PIN - Consumer Information
		Chip and PIN couldn't be easier to use.
		After 14 February 2006 things got tougher for the fraudsters, as everyone using chip and PIN cards now has to use their PIN to be sure they can pay.
		Thanks to chip and PIN, in 2005, there was a reduction of nearly £60m in counterfeit and fraud on lost and stolen cards when compared to 2004.
	www.chipandpin.co.uk /consumer (223 words)

	Goldfish : Main : Chip and PIN (Site not responding. Last check: )
		Chip and PIN credit cards are designed to be more secure.
		All you have to do is enter your PIN into a hand-sized 'PIN pad' instead of signing a receipt.
		By now you should be able to use your Chip and PIN card virtually everywhere.
	www.goldfish.com /chipandpin/index.html (222 words)

	Chip and PIN - Reference library
		Chip and PIN Countdown, issue 5, January 2005 (PDF)
		Chip and PIN Countdown, issue 4, December 2004 (PDF)
		Chip and PIN Countdown, issue 1, June 2004 (PDF)
	www.chipandpin.co.uk /info/reference.html (1003 words)

	Light Blue Touchpaper » Chip and skim 2
		The 12:30 ITN news on ITV1 today featured a segment (video) on Chip and PIN, and should also be shown at 19:00 and 22:30.
		The fact that the chip also includes the magstripe details is not strictly necessary, since a skimmer could also read this, but the design of some Chip and PIN terminals, which only cover the chip, make this difficult.
		Their solution was to put the onus on securing the PEDs to prevent PIN capture via intercepting card communication (which of course also conveniently transfers the security cost to the retailer).
	www.lightbluetouchpaper.org /2006/06/12/chip-and-skim-2 (3255 words)

	BBC NEWS \| Business \| Q&A: Chip and pin
		Most of the major UK High Street banks have virtually completed their chip and pin roll-out but issuers such as American Express and Morgan Stanley have been a little slower to act.
		During the introductory period of the chip and pin system, if cardholders did not know their pin number, retailers have been able to accept a signature after first checking with the card issuer.
		In countries which operate the chip and pin system customers will be expected to verify purchases using their pin.
	news.bbc.co.uk /2/hi/business/4705842.stm (954 words)

	Chip and PIN - Site terms and conditions
		By submitting data on the chip and PIN website, the visitor is providing explicit consent to transmission of data collected on the website to the above recipients and to countries outside the European Union (EU)(which may not provide the same level of protection as within the EU) for the fulfilment of their voluntary requests.
		Mailing list information, discussion posts and email will be kept for the duration of the UK Chip and PIN Programme that is a period of time considered to be appropriate.
		The UK Chip and PIN programme sites covered by this privacy statement are not intentionally designed for or directed at children 13 years of age or younger.
	www.chipandpin.co.uk /info/tc.html (1631 words)

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