PINSchutz

PINSchutz is a term used to describe mechanisms that protect authentication by requiring a personal identification number (PIN). In practice, PINSchutz covers hardware and software implementations across payment cards, SIM cards, mobile devices, and computer systems. The common principle is to add a knowledge factor to the authentication process, reducing the risk of unauthorized use if a credential is stolen.

Implementation and operation: On smart cards and payment terminals, PIN verification typically occurs inside a secure element or trusted execution environment. The PIN is not stored in plaintext; instead, verification uses cryptographic procedures and protected data. After a number of incorrect attempts, access is blocked or the card is retained. On consumer devices, PINSchutz is used to unlock the device or apps; verification occurs within the device's secure store or OS.

Standards and variants: ISO/IEC 7816 governs PIN verification for smart cards; EMV specifies PIN-based cardholder verification in payments; mobile devices may implement PIN by hardware-backed keystores. Some systems use offline PIN verification, while others perform online verification against an issuer. PIN length typically ranges from 4 to 6 digits; longer PINs may be supported where hardware allows.

Security considerations: PINs should be 4 to 6 digits and not easily guessable; implement rate limiting and lockouts; protect PIN entry from observation; ensure PIN handling occurs in secure components rather than exposed memory; be aware of phishing risks when PINs serve as MFA.

See also: Personal identification number, Password, MFA, EMV, ISO/IEC 7816, Secure element.