EMV Migration Forum White Paper for ATM Owners and Issuers Answers Key Questions Surrounding EMV PIN Change at the ATM

Princeton Junction, N.J., April 1, 2015 – Many U.S. issuers and acquirers currently do not offer PIN change at the ATM, and industry stakeholders often ask if an EMV migration project is a good time to implement this service to offer added convenience to cardholders. The EMV Migration Forum released today a white paper to provide guidance for ATM owners and issuers who are contemplating implementing PIN change at the ATM as part of, or subsequent to, their U.S. EMV migration.

The white paper, “Implementing EMV at the ATM: PIN Change at the ATM,” was developed by the Forum’s ATM Working Committee and can be downloaded on the EMV Connection website at www.emv-connection.com/implementing-emv-at-the-atm-pin-change-at-the-atm/.

“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, director of the EMV Migration Forum. “This white paper answers these key questions and provides guidance through the decision and implementation of PIN change at the ATM.”

While PIN change at the ATM is not mandated by any of the payment networks, it provides cardholders with the convenience of self-service, and it is important that all stakeholders consider how important it is for the consumer to have a consistent and positive experience. This service also provides a convenient way for an issuer to deliver PIN change and PIN unblock issuer scripts to a chip card.

The white paper also covers other major considerations, including:

  • PIN change in the magnetic stripe and EMV environments: where PIN change can be offered; PIN change transaction flow; cardholder verification methods (CVMs); offline PIN management; comparison of flow between magnetic stripe and chip transactions; managing offline PIN within the chip; unblocking the offline PIN
  • Current global payment network offerings supporting PIN change: American Express; Discover; MasterCard; Visa
  • Key decisions and additional considerations for ATM owners and issuers: PIN change at the ATM: yes or no; 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. This white paper provides ATM owners and issuers with a valuable reference to PIN change at the ATM,” said Ron Schnittman, co-chair of the ATM Working Committee and ATM network manager at Bank of America.

The white paper, “Implementing EMV at the ATM: PIN Change at the ATM,” was developed by the EMV Migration Forum’sATM Working Committee and led by Deborah Spidle, Paragon Application Systems, and Marc Cleven, Visa Inc. For more information on the ATM Working Committee, visit http://www.emv-connection.com/us-payments-forum/working-committees/.


About U.S. EMV Chip Migration

Commonly used globally in place of magnetic stripe, EMV chip technology helps to reduce card fraud in a face-to-face card-present environment; provides global interoperability; and enables safer transactions across contact and contactless channels. Chip implementation was initiated in the U.S. market in 2011 and 2012 when American Express, Discover, MasterCard and Visa announced their roadmaps for supporting a chip-based payments infrastructure. Acquirer processor readiness mandates to support EMV were established for 2013, with liability shifts for managing fraud risk in a face-to-face environment set for 2015.


About the EMV Migration Forum

The EMV Migration Forum is a cross-industry body focused on supporting the EMV chip implementation steps required for payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure chip technology in the United States. The focus of the Forum is to address topics that require some level of industry cooperation and/or coordination to migrate successfully to chip technology in the United States. For more information on the EMV Migration Forum, please visit http://www.emv-connection.com/us-payments-forum/.



Michael Smith
Montner Tech PR
[email protected]

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