EMV Migration Forum publishes paper on EMV PIN change at ATM

The EMV Migration Forum’s ATM working committee  has released a white paper, “Implementing EMV at the ATM: PIN Change at the ATM,” that provides guidance for ATM deployers considering adding the facility for PIN change at their ATMs.

Although PIN change at the ATM is not mandated by any of the payment networks, it offers cardholders a convenient self-service option. It also provides a way for an issuer to deliver PIN change and PIN unblock issuer scripts to a chip card, the Forum said in a press release. However it is important for this experience to be consistent and positive for the ATM user.

“In order to make an informed decision, it is important for ATM owners and issuers to understand how this service functions in the magnetic-stripe world today, and what should be considered when deciding if, where, when and how to offer PIN change at the ATM when implementing EMV chip technology,” said Randy Vanderhoof, the EMV Migration Forum’s director. “This white paper answers these key questions and provides guidance through the decision and implementation of PIN change at the ATM.”

Besides EMV PIN change and unblock, the white paper covers:

  • PIN change in the magnetic-stripe and EMV environments (where it can be offered; transaction flow; cardholder verification methods; offline PIN management; comparison of flow between mag-stripe and chip transactions; managing offline PIN within the chip; unblocking the offline PIN);
  • current global payment network offerings supporting PIN change;
  • key decisions and additional considerations for ATM owners and issuers (card and terminal technology; tracking bad PIN tries; special scenarios).

“This PIN change resource is a direct result of the support and contributions from many Forum members who generously volunteered their time and expertise to completing this project,” said Ron Schnittman, co-chair of the ATM working committee and ATM network manager at Bank of America. “This white paper provides ATM owners and issuers with a valuable reference to PIN change at the ATM.”

The white paper was developed by the ATM working committee under the leadership of Deborah Spidle of Paragon Application Systems and Marc Cleven of Visa Inc.

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