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  6. Security Aspects: Protection of People i ...

Journal of Security and Sustainability Issues

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Security Aspects: Protection of People in Connection with the Use of Personal Identification Numbers
Volume 8, Issue 3 (2019), pp. 319–330
Antonín Korauš   Ján Dobrovič   Jozef Polák   Stanislav Backa  

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https://doi.org/10.9770/jssi.2019.8.3(3)
Pub. online: 30 March 2019      Type: Article      Open accessOpen Access

Published
30 March 2019

Abstract

User identifiers for financial transactions are widely used for personal identification numbers (PINs). PIN numbers are deposited at ATMs, card payments at POS terminals and electronic banking services. Bank card (ATM) credit card fraud has dramatically increased over the last decade. When analyzing the most common attacks and the reasons for successful frauds, it is clear that the main problem is PIN authentication, which itself does not produce any security features (except for the use of stars). This means that security is based solely on user behaviour. Research has focused on areas where personal protection and security is most failing, and that’s where the user is carrying a PIN along with a credit card, whether he or she changed the PIN on the payment card, and whether the PIN does not specify the date or year of his birth.

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Keywords
personal identification number security PIN payment card credit card fraud ATM electronic banking services

JEL
F5 F52 K42 K24

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Generolo Jono Žemaičio Lietuvos karo akademija Šilo g. 5A., LT-10322 Vilnius, el.p: lka@mil.lt

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