Originally Posted by
rgAAFT
I hate to duplicate a post but somebody up the thread posted a link to the Barclay card travel community in which a manager details the technical aspects of being able to change emv offline chip pin any time anywhere
http://www.barclaycardtravel.com/t5/...737134#U737134
I thought it was really interesting and I don't understand why other US issuers don't do something similar and stop using "pin change" difficulty as an excuse not to go chip and pin. I read a while back that this is how pin changes are handled in the UK as well
PIN changes in the UK work like this - and it's the same process for Mastercard, VISA, AMEX or any banks debit card.
When you get a new card, you get sent the card in one envelope and a random PIN in a second envelope. The PIN envelope has security features and you usually have to peel a secure flap open and put the flap over a white surface to reveal the PIN. Tamper proof etc.
You then go to any ATM and change the PIN on the card to one you prefer. This PIN is written to the local chip by the ATM.
For each card type (debit, credit, charge) the ATM PIN and purchase PIN are always the same i.e. you can withdraw cash from an ATM with an AMEX card and use the same PIN to charge goods to the card in a store.
If you want to change the PIN at a a later date, again, go to any ATM, enter your current PIN, select 'Change PIN' and enter new PIN. That's it.