Weighing Down "The Unbearable Lightness of PIN Cracking"

  • Authors:
  • Mohammad Mannan;P. C. Oorschot

  • Affiliations:
  • School of Computer Science, Carleton University,;School of Computer Science, Carleton University,

  • Venue:
  • Financial Cryptography and Data Security
  • Year:
  • 2008

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Abstract

Responding to the PIN cracking attacks from Berkman and Ostrovsky (FC 2007), we outline a simple solution called salted-PIN. Instead of sending the regular user PIN, salted-PIN requires an ATM to generate a Transport Final PINfrom a user PIN, account number, and a salt value (stored on the bank card) through, e.g., a pseudo-random function. We explore different attacks on this solution, and propose a variant of salted-PIN that can significantly restrict known attacks. Salted-PIN requires modifications to service points (e.g. ATMs), issuer/verification facilities, and bank cards; however, changes to intermediate switches are not required.