Originally Posted by
D582
It is an easier first step to issue EMV cards without a PIN because when you issue PIN cards, you need to set up infrastructure to manage and to allow cardholders to change their PINs as well.
Politically it's also ideal for consumers. We can allow the upgrade to EMV/sign, but then later reject the banks attempt to downgrade to chip-pin. The banks would still try to sell PIN use as a convenience, but it would be obvious to more consumers that it's an attempt to shift legal protection.
Originally Posted by
D582
The only situations they will not solve is if the terminal is programmed to only accept PIN authentication and nothing else - then the card cannot be used.
I thought this is what the earlier poster was talking about when entering all 0's? Why would a terminal that is EMV-sign-aware even ask for a PIN in the first place?