ATM SafetyPIN software

ATM SafetyPIN software is a proposed software application that would allow users of automated teller machines (ATMs) to alert the police of a forced cash withdrawal by entering their personal identification number (PIN) in reverse order. [ [http://www.zicubedatm.com/ ZICUBED ATM SAFETYPIN] ATM Safety PIN aka Reverse PIN Web Site.] The system was invented and patented by Illinois lawyer Joseph Zingher (US patent|5731575). As of 2008, the system has not been implemented by banks.

History

The concept of an alternative emergency PIN system, or duress code, for ATM systems has been around since at least July 30, 1986, when Representative Mario Biaggi, a former police officer, proposed it in the U.S. Congressional Record, pp. 18232 et seq. Biaggi then proposed House Resolution 785 in 1987 which would have had the FBI track the problem of express kidnappings and evaluate the idea of an emergency PIN system. HR785 died in committee without debate.

Zingher has not been successful in marketing his invention. [ [http://money.cnn.com/magazines/fsb/fsb_archive/2006/02/01/8368177/index.htm Why Great Ideas Get Shot Down] CNNMoney.com, 01-27-2006] Police in New York, New Jersey, Ohio, Illinois, and Kansas have supported the concept. [Asbury Park Press, January 25th, 2006] [ [http://www.wlwt.com/news/2896611/detail.html Are Local Banks Doing All They Can To Protect ATM Users?] Jesse Jones, WLWT. March 3, 2004] [St.Louis Post Dispatch, March 27th, 2005] ["Wichita Eagle" April 19, 2001] Police support prompted the Illinois legislature to pass a law making it mandatory on all ATMs in Illinois. The law was changed shortly after it was passed by a "follow-on" bill that changed the meaning to the exact opposite of what they were seeking. [St. Louis Post Dispatch, March 27, 2005] [ [http://ilga.gov/legislation/publicacts/93/093-0898.htm Public Act 093-0898] Illinois General Assembly] [ [http://ilga.gov/legislation/ilcs/ilcs3.asp?ActID=1192&ChapAct=205%26nbsp%3BILCS%26nbsp%3B616%2F&ChapterID=20&ChapterName=FINANCIAL+REGULATION&ActName=Electronic+Fund+Transfer+Act%2E FINANCIAL REGULATION (205 ILCS 616/) Electronic Fund Transfer Act] Illinois General Assembly] [ [http://www.msnbc.msn.com/id/4086277/ Banking on ATM Safety] "Forbes", 01-28-2004]

In 2006, an e-mail chain letter hoax circulated that claimed a reverse PIN duress code system is in place universally. [ [http://www.diebold.com/atmsecurity/securityupdate.htm Security Update - Reverse PIN Hoax] Diebold, Inc.] "American Banker" reported on January 2, 2007 that no PIN-reversal duress code is used on any ATM as of that date. In July 2008 the hoax was still circulating in Australia with the text "If you should ever be forced by a robber to withdraw money from an ATM, you can notify the police by entering your PIN in reverse. For example if your PIN is 1234 then you would put in 4321. The ATM recognizes that your PIN is backwards from the ATM card you placed in the machine. The machine will still give you the money you requested, but unknown to the robber, the police will be immediately dispatched to help you. This information was recently broadcasted (sic) on TV and it states that it is seldom used because people don't know it exists. Please pass this along to everyone possible. Australian Federal Police. AFP Web site: http://www.afp.gov.au".

Diebold, a manufacturer of ATMs, states on their website that no such emergency alerting system is currently in use. They cite an article in the St. Louis Post-Dispatch which claims bankers oppose the reverse-PIN system out of concerns that "ATM users might hesitate or fumble while trying to enter their PINs backwards under duress, possibly increasing the chances of violence." Diebold further states that they would be willing to support such technology if their customers (presumably banks) request it. [http://www.diebold.com/atmsecurity/securityupdate.htm]

References

Links

*http://www.snopes.com/business/bank/pinalert.asp
*http://urbanlegends.about.com/library/bl_reverse_pin.htm
*http://www.hoax-slayer.com/reverse-pin-ATM.shtml
*http://www.outlookexpresstips.com/atm-pin-number-reverse-r16.htm