PIN Security at Your ATMs

Article contributor / Jacob Karr / Client Learning Consultant

In the world we live in, security is the name of the game. We update our phones, use passwords only a quantum computer could fathom, and monitor our information like a hawk. It’s no different in the financial world. Staying one step ahead of trouble and keeping those that trust us with their financial security protected is paramount.

To maintain that security, all players in the processing sphere agree to a certain set of standards. The Payment Card Industry Security Standards Council drives those standards around the world. Starting in 2019, they put a three-phase initiative in place to require the use of key blocks. A key block is an extra layer of security around your PIN encryption keys. Phase 1 and 2 have been completed to implement key block support for internal connections and between networks, respectively

Phase 3 will go into effect Jan. 1, 2025. This phase will implement key blocks for ATMs, protecting information as it’s passed from the ATM to its destination.

In July, SHAZAM^® sent out communications based on the type of ATM. The information included details on whether the terminal or keypad needed replacement as well as what software version the terminals needed to be running. We then communicated when we were ready to take projects and gave detailed instructions on how to complete these actions.

If you’ve already worked with your ATM vendor or confirmed what your terminals require — that’s great! Just ensure that any changes have been relayed to SHAZAM so projects can be started, and you’re all set.

If you still need to make decisions or confirm your readiness, now is the time. Communications NLNTHRCCC, NSCSHRCSR and NONRHRHHR are going to be your best references. Time is growing short and not every change is a quick one.

Changes like these safeguard us all and help us maintain trust in the payments ecosystem so many people rely on.