This section provides an overview for pin pads as well as their applications and principles. Also, please take a look at the list of 10 pin pad manufacturers and their company rankings.
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A PIN pad (PIN pad=personal identification number pad) is a terminal where a customer enters the PIN number of an IC card that he/she has decided in advance when using an IC card-enabled cash card or credit card at a storefront or financial institution. First, the customer inserts the IC card into the terminal.
First, the IC card is inserted into the terminal, and the terminal checks whether or not the IC card itself presented by the cardholder is a genuine card distributed by the financial institution. The PIN entered by the customer is then recognized by the terminal, and whether or not the PIN matches the data (reference PIN data) registered with the financial institution by the subject person is confirmed.
PIN pads are mainly used at financial institutions and point-of-sale stores as a means of identification when a customer uses a credit card or cash card that is compatible with IC cards.
Until now, cash cards have long used magnetic stripes and PINs (personal identification numbers).
However, it has become relatively easy for criminals to obtain readers and writers that can read and even write the information (PIN, name, account number, etc.) recorded on the magnetic stripe, and as a result, it has become easy to obtain and use counterfeit cards that can be misidentified by financial institution terminals as "legitimate cash cards issued by financial institutions". As a result, there have been many cases of fraudulent withdrawals using counterfeit cards.
On the other hand, credit cards used to be authenticated by the handwriting of the signature of the cardholder.
However, the verification of the authenticity of the signature was time-consuming and difficult, and the identity of the cardholder could not be confirmed promptly, which was one of the reasons why credit card payments were not widely used except in high-end stores such as department stores.
In order to solve these problems, the use of PIN pads and IC cards has been introduced to verify the identity of the customer through knowledge authentication.
Knowledge authentication using IC cards and PINs (personal identification numbers) means checking on the spot whether or not the PIN entered by the customer at the terminal matches the database (reference PIN data), which is a set of data registered in advance with the financial institution by the person to be authenticated.
Authentication by PIN can be classified according to what stores the reference PIN data and what performs the authentication process.
ISO 9564, the international standard for PINs and related devices among standards dealing with financial transactions, specifies that the authentication process is performed by terminals, IC cards, hosts (computer systems located within financial institutions that provide various applications via networks), and others. The ISO 9564 also stipulates that the authentication process is performed at the terminal, IC card, host (a computer system located within a financial institution and providing various applications via a network), and others.
It also specifies that reference PIN data is stored in terminals, IC cards, and hosts.
The form of knowledge authentication using only IC cards or terminals, without using a host, is called offline PIN authentication.
On the other hand, the form in which a host is used to check whether the PIN entered online is correct is called online PIN authentication.
*Including some distributors, etc.
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