Text 31283, 77 rader
Skriven 2009-04-14 07:23:40 av Peter Knapper (3:772/1.0)
  Kommentar till text 31266 av Robert Bashe (2:2448/44)
Ärende: Bank Security
=====================
Hi Robert,

RB>> If you would continue "and exchange the card" I would have no
RB>> problems understanding or believing. But I have great difficulty in
RB>> believing that, for example Mastercharge and Visa (to name only two)
RB>> have totally different systems for each country: in the one, you must
RB>> exchange the card for another to change the ATM PIN, and in the
RB>> other, this is not necessary.

PK> Then believe it, because that is how it is done here.

 RB> Have you done this, or do you work for Master/Visa, 

I have done this myself and that is how it works here.


 RB> Here in Germany, we have bank cards you can use to 
 RB> withdraw money from an account (MAESTRO). AND there are 
 RB> Master/Visa cards which can be either debit or credit 
 RB> cards, not that the difference is obvious when making 
 RB> internet purchases, as the charge is never made 
 RB> immediately, only at the next invoicing.

Here I have ONE card that covers all my bank accounts as well as my VISA
account. In fact my VISA account is really treated as just another Bank
account. All my VISA statements, details, etc are sent to me by my Bank as just
another Bank account.

 RB> These are two completely different card types. But you 
 RB> can't change the ATM PIN on either.

 RB> Is NZ totally different in that respect?

It certainly seems that way. Note that I can't comment on Europe as I do not
have an account over there to compare it.


PK> Try thinking OUTSIDE your country....;-)

 RB> I am, but I _do_ know what goes on in the USA and 
 RB> Germany, to say nothing of France.

And NZ is none of those places...;-)

 RB> In fact, you MUST enter your ATM PIN in France when you 
 RB> buy gas at a filling station after hours (office 
 RB> closed, only the tank works). And there is NO way you 
 RB> can enter letters. Only numbers.

Simple, the capability of the selling terminal is determined at the time the
transaction is generated, so the appropriate PIN is requested, hence it can
expect either PIN to be used.

Another Hint... I used to work for a Bank and my Wife still does work for one,
so we have some "local inside knowledge" about this...;-)
 

 RB> I see great confusion between alphabetical mnemonics 
 RB> and the numerical PIN codes. Some people appear to 
 RB> think ATMs everywhere are the same as phones in the 
 RB> USA, where you, for example, can get a "number" from 
 RB> some dealer such as "800-BIGDEALZ". This is the same 
 RB> kind of confusion Roy is succumbing to when he claims 
 RB> you can have alphanumeric ATM PINs. They aren't, of 
 RB> course, but the letters can be translated into the 
 RB> numbers which form the real PIN.

AND be careful, because some countries translate those "alpha" phone codes
different to others, IE Alpha phone numbers do not always work outside the
country of issue. That is why I do not deal with Businesses that use Alpha only
listings (unless they also list the numeric number)...

Cheers..............pk.


--- Maximus/2 3.01
 * Origin: === Maxie BBS.  Ak, NZ +64 9 444-0989 === (3:772/1)