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Chip and PIN

In the UK by 2005 most credit and debit card transactions will require the customer to input a 4 digit personal identification number (PIN) at point of sale rather than authorising by signing a paper receipt.

The process will be:

  • The shop assistant will input the amount to be paid.
  • The customer will hand their card to the assistant, or insert it themselves in the terminal.
  • The customer will then check the amount on a visual display.
  • The customer will input their PIN on a numeric keypad. This keypad will be on a flexible lead of sufficient length that it can be operated from a wheelchair.
  • The terminal will print a receipt so that the customer has a record of the transaction.

In a restaurant, the system will be the same except that the waiter or waitress will have a portable terminal which he or she will hand to the customer for the PIN to be keyed in.

Guidelines for the design of accessible privacy shields are also available on this website.

Relevant standards

  • ISO 9564-1 (2002) Banking - Personal Identification Number management and security, Part 1: PIN protection principles and techniques for online PIN verification in ATM and POS systems, Informative Annex E Additional guidelines for the design of a PIN entry device.
  • EN 1332-3 (1999) Idenitification card systems - Man-machine interface. Part 3 Keypads.
  • ANSI NCITS 118-1998.
  • ITU E161 (1995) Arrangements of digits, letters and symbols on telephones.
  • CSA B651.1-1 Barrier-free design for automated banking machines.

Further information


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