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The card knows this, the reader doesnt. When you put a pin in the reader talks to the microcontroller on the card to verify - which also logs the incorrect attempts. So multiple readers wont help trying to guess somebodies pin! Thats more or less the extent of my knowledge, but an overview of how it works. The underlying protocols I have no knowledge of ...


If your debit card has an EMV chip (almost all chips are based on EMV today), it very likely does know your PIN (or at least how to verify an entered PIN). Whether that capability is actually used depends on the type of transaction and terminal; if the terminal is online capable, it might as well verify the PIN directly with your bank's servers, which also ...

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