Differences

This shows you the differences between two versions of the page.

Link to this comparison view

madoverlord:projects-pincodes [2016/05/13 21:52]
127.0.0.1 external edit
madoverlord:projects-pincodes [2016/10/04 14:42]
Line 1: Line 1:
-==== How to remember all your PIN numbers (Projects) ==== 
- 
-// Like me, you probably have a half dozen credit, debit and bank cards in your wallet, all with different PIN numbers. Now, I have trouble remembering m // 
- 
- 
- 
-=== One PIN To Rule Them All, One PIN To Find Them, One PIN To Bring Them All And In The Memory Bind Them === 
- 
- 
- 
-Like me, you probably have a half dozen credit, debit and bank cards in your wallet, all with different PIN numbers. 
-Now, I have trouble remembering my address, not to mention my wife's birthday (07/28, dear), and the only way I 
-remember our anniversary is by scheduling my yearly checkup for same day (nothing like a prostate exam to remind you 
-it's a special day!) 
- 
- 
- 
- 
-So remembering a half-dozen different PINs is out of the question. ​ As is writing the PINs on the cards 
-themselves, which my friendly neighborhood banker frowns upon.  And yet, that's exactly what I do -- without in any way 
-compromising the security of the PIN.  In fact, all I have to do is remember one 4-digit number, my Secret PIN (or **SPIN** 
-for short). 
- 
- 
- 
- 
-It all works through the magic of modular arithmetic -- which is just like regular arithmetic, except without 
-all that annoying carrying and borrowing. 
- 
- 
- 
- 
-The first step is to decide upon, and memorize, your **SPIN** number. ​ This should be a 4 digit number 
-you will never forget, yet is hard for thieves to guess. ​ Obviously, it shouldn'​t be 0000 -- if you chose this as your **SPIN** 
-then you are **DIM**. 
- 
- 
- 
- 
-For the purposes of illustration,​ let's assume my **SPIN** is **0728** (it isn't, sorry dear...) 
- 
- 
- 
- 
-Now let's say that //​Conglomerated MegaBankCorp//​ issues you a bank card with at PIN of 1234.  What you do is modularly 
-subtract 0728 from 1234 -- with no borrows, as follows: 
- 
- 
- 
- 
-<SPAN CLASS=monolarge>​ 
-1234 PIN 
- 
- 
-0728 SPIN 
- 
- 
----- 
- 
- 
-1516 CODE 
- 
- 
- 
- 
- 
- 
-This generates the card's **CODE** (**C**ompletely **O**bfuscated **D**igits 
-of **E**ncryption -- OK, it's a lame acronym, come up with something better if you don't like it). 
- 
- 
- 
- 
-The **CODE** is what you write on the back of your card.  And then, when you drive up to the CashPoint machine, all you 
-ever have to remember is your **SPIN**. ​ You just modularly add it to the **CODE** written on the back of the card to get your PIN. 
- 
- 
- 
- 
-<SPAN CLASS=monolarge>​ 
-0 + 1 = 01 -> 1 
- 
- 
-7 + 5 = 12 -> 2 
- 
- 
-2 + 1 = 03 -> 3 
- 
- 
-8 + 6 = 14 -> 4 
- 
- 
- 
- 
- 
- 
-Why, it's so easy, even a child can do it -- in fact, both of my kids have had cash cards, and have used this system, since they were 
-pre-teens. ​ As a side note, getting your kids checking accounts with cash cards is an excellent way to introduce them to financial matters. ​ You 
-just fund them with their allowance once a quarter, and if they blow it the first week buying //Super Smash Mario Brothers World of Warcraft//, 
-that's their problem. ​ It also completely eliminates the dreaded &​ldquo;​Daddy,​ buy it for me!&​rdquo;​ -- it's amazing how that wonderful and 
-expensive toy isn't so wonderful when it's their money that pays for it.  And finally, it makes holiday season a lot simpler, because all they'​ll 
-ever want for Xmas is cold, hard cash -- both my kids are trying to get their overseas relatives to do wire transfers this year, to minimize 
-the currency exchange losses... 
- 
- 
- 
- 
-Finally, it is, of course, asking way far much of our //Hallowed Financial Institutions//​ to publicize this simple technique, and to program 
-their systems to sound the alarm and let loose the hounds when some moron thief gets hold of your card, sees the number on the back, and 
-enters it, thinking it's your PIN -- home alarm systems have panic codes, why not bank cards? ​ Not to mention that if a lot of people did 
-this, slightly less moronic thieves would be less likely to risk trying out a card with a "​PIN"​ on it, which would confer some herd 
-immunity onto the legions of people who, unable to remember 6 different PIN numbers, just write them down on the backs of the cards, or 
-on a handy slip of paper they keep in their wallets... 
- 
- 
- 
- 
-Comments and Suggestions <A HREF="​mailto:​[email protected]?​SUBJECT=SPIN%20Number%20Comments">​here</​A>​. 
- 
- 
- 
- 
- 
- 
- 
- 
- 
-