PersonalisedPIN™

Instantly Issue and PIN Select Customer Debit / Credit Cards

Standalone Teller Integrated Remote PIN

PersonalisedPIN Features

Highest Security and first time PIN authentication
New Accounts - immediate EMV / PIN personalisation on Contact Chip / Contactless / Magnetic Strip
Chip Signature on Day 1 with migration path to "EMV PIN (PVV) on card or PIN-on-Host"
ID Vetting by Staff Securely - for re-issuing "Forgotten PINs"
Overview
PersonalisedPIN Diagram

PersonalisedPIN -

PIN Authentication Systems

Learn More

PersonalisedPIN™ - ID Management


PersonalisedPIN is an ID management solution providing Instant Issuance and PIN Selection of customer credit/debit cards for banking and financial institutions.

PersonalisedPIN has three solution versions: Standalone, Teller Integrated and Remote PIN. Be sure to look through the options available, their properties and the benefits for your bank.

If you wish to enquire about how PersonalisedPIN can work for you, or need guidance, please contact-us via our Contact Page.


Banking / Financial Institutions




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PIN Authentication


PIN Authentication Systems


The PersonalisedPIN solution options enable banks to build a specialised PIN processing environment. Careful consideration is required to select the best PIN management strategy to maintain usability and availability (both domestic and overseas) without incurring unnecessary additional processing fees.

The method of authentication is the most central decision for PersonalisedPIN's overall PINning environment, system architecture and integration. Both options offer in-branch and remote card PINning.

There two primary methods for PIN authentication:

PIN on Card / PVV on Card

The PVV data required for authentication is stored on the Magnetic Stripe and in the 'Magnetic Stripe Image' that is part of the EMV Chip data.

PIN on Host

The data required for authentication is 'off-card' and typically stored in a PVV validation file in an issuing bank’s card processing and management system. During a transaction the PVV for the entered PINs is validated server-side where it is stored. This enables flexible PIN selection options such as remote PINning.
 

Both PIN on Card (i.e. encrypted PVV) and PIN-on-Host authentication systems are valid systems with their respective positive and negative attributes. PersonalisedPIN also offers a Hybrid Authentication System which has the best aspects of both methodologies.


System Architecture
The system includes a DC420™ Controller with a patented Unified Command Structure (UCS) that integrates disparate devices into a control system environment, from which the devices can be shared.
Sharing reduces the total cost of ownership by maximising device utilisation. Whilst the DC420 controller is device agnostic, we do recommend “best of breed” secure card encoder and encrypting PCI certified PINPad equipment.
 


Encrypted PVV encoded on stripe and chip OR PIN-on-host with remote diagnostics controller/or direct to PC/Host APP.


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PersonalisedPIN Version 1

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PersonalisedPIN Version 1 - 3D

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PersonalisedPIN: PIN-ON-HOST Stand Alone System

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PersonalisedPIN: PIN-ON-HOST Teller Integrated System

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PersonalisedPIN Version 1

PersonalisedPIN Version 1

Estimated Delivery: Minimum 12 Weeks

PersonalisedPIN system summary diagram. PersonalisedPIN is a flexible but highly secure system that allows for multiple users. The System is easily integrated into existing bank computer networks.

 

PersonalisedPIN Version 1 - 3D

PersonalisedPIN Version 1 - 3D

Estimated Delivery: Minimum 12 Weeks

PersonalisedPIN system summary diagram 3D Version. PersonalisedPIN is a flexible but highly secure system that allows for multiple users. The System is easily integrated into existing bank computer networks.

 

PersonalisedPIN: PIN-ON-HOST Stand Alone System

PersonalisedPIN: PIN-ON-HOST System
Optional: PIN on Card Updates
Model: Stand-alone
Typical Bank Estimated Delivery: Minimum 12 Weeks.

PersonalisedPIN futures version. Currently in development. Features the latest versions and revisions of equipment, including the new DC420™ Version 2. The DC420 V2 utilises USB connection between the IS380 Encoder, Pre-configured HSM and Special PIN Select PINpads, simplifying the architectural layout of the system. System comes (optional) with simplified cabling arrangement with single Power Supply Unit.

 

 

PersonalisedPIN: PIN-ON-HOST Teller Integrated System

PersonalisedPIN: PIN-ON-HOST System
Optional: PIN on Card Updates
Model: Teller Integrated
Typical Bank Estimated Delivery: Minimum 12 Weeks*.

PersonalisedPIN futures version. Currently in development. Features the latest versions and revisions of equipment, including the new DC420™ Version 2. The DC420 V2 utilises USB connection between the IS380 Encoder, Pre-configured HSM and Special PIN Select PINpads, simplifying the architectural layout of the system. System comes (optional) with simplified cabling arrangement with single Power Supply Unit.

*Dependent on Bank's internal development team availability.