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Personal Identification Number (PIN): What It Is & How It Works
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4 weeks agoon
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AdminIn the Philippines, a Personal Identification Number (PIN) is used across different government and financial systems, but the term “PIN” is more commonly associated with security codes used for financial transactions, especially in banking. Here’s an overview of the various types of PINs and related identification numbers in the Philippines:
Key Takeaways
A personal identification number (PIN) is a numerical code issued with a payment card that must be entered to perform financial transactions.
Personal identification numbers (PINs) provide an additional layer of security to electronic transactions.
The most common instance in which individuals will be required to use a personal identification number (PIN) is when they withdraw money from their bank account using a debit card.
Many other applications rely on PINs, such as home security and mobile phone security, to verify an individual’s identity.
Choosing a personal identification number (PIN) that is longer than short, hard to guess, and not associated with any personal information is recommended.
The use of a personal identification number (PIN) protects against any fraudulent activity since merchant transactions are easy.
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Understanding a Personal Identification Number (PIN)
In most cases, personal identification numbers are used with debit cards linked to a person’s bank account to increase security. A debit card holder must choose a unique personal identification number (PIN) to use whenever they withdraw money from an ATM and, often times, when making purchases at various merchant stores.
PINs are similar to passwords, so they are also used for home security and mobile phones. PINs are essentially numerical methods of verifying an individual’s identity. A user’s identification number is required to verify identity when using a credit card. To compute and compare the number with a valid identity, the system uses the Luhn algorithm.
If you are filing a paper or electronic tax return, the IRS often requires you to enter an identity protection PIN. On the IRS website, you can obtain a six-digit PIN.
Personal Identification Numbers (PINs) and Card Security
An account holder’s personal identification number (PIN) is usually between four and six digits and is generated by their bank through a coding system that ensures each PIN is unique. When opening an account in person, a PIN is typically issued to a cardholder separately from the associated card or punched in at a local branch.
When choosing a PIN, it is recommended that the account holder picks one that will be difficult to guess but also easy to remember. The use of short, basic PINs is discouraged, especially those that can easily be guessed in instances of fraud, such as birthdays, marriage anniversaries, or Social Security numbers. A person’s personal identification number should not be shared or disclosed to anyone to prevent unauthorised access to their bank accounts.
Electronic Transaction Processing and Personal Identification Numbers (PINs)
There are some differences between electronic transactions with merchants and ATM transactions. Transactions between merchants and merchant acquiring banks, processing networks, and issuing banks involve all parties involved. Therefore, requiring a PIN number from the buyer can help make transactions more secure.
A PIN is usually required as the final step in a payment, granting a merchant approval to process a card. A PIN is typically required only at the point of sale by the merchant, not when you make an online purchase. A merchant acquiring bank is notified once the card is approved for processing, which facilitates payment settlement.
When payment communication is designated to a particular processing network, the processing network can then contact the cardholder’s issuing bank. An additional security check is performed by the issuing bank to ensure the transaction is not fraudulent. The cardholder’s account must also be funded for the payment to be made.
A merchant’s transaction communication is subject to additional security precautions by the issuing bank to ensure the transaction’s security. Upon confirmation by the issuing bank, communication is sent to the merchant acquiring bank, which notifies the merchant and begins settlement.
Personal Identification Numbers (PINs) vs. Password
There are some key differences between a PIN and password, although both are critical elements of security. The PIN is typically a sequence of digits, while the password can be longer and contain letters, numbers, and symbols. As compared to a password with more characters, a PIN is usually shorter or has a more limited length.
Passwords are simply more complex due to their length and characters. A combination of upper case letters, lower case letters, numbers, or symbols is usually used. It may also be necessary to combine any of the options above. Passwords are therefore useful for securing access to devices, online accounts, or networks that need stronger security. PINs are more suitable for faster and easier access.
Passwords and PINs have potential technical differences. It is more common for PINs to be stored locally on devices with less security. Passwords can also be stored externally on a secure server. Passwords are more commonly encrypted, hashed, or require multi-factor authentication to retrieve. As a result, a password is simply an authorization tool that is more securely protected.
Tips for Setting a Strong Personal Identification Numbers (PINs)
Despite the ease of remembering a PIN, there are certain pitfalls users should avoid. You should avoid using obvious PIN combinations such as “0000”, since these are the most common and easiest to guess. If you are able to remember a random combination of numbers, but someone else is not able to remember it, consider using it. Birthdates, phone numbers, and social security numbers are all examples of personal information that can easily be guessed or obtained via personal documentation.
Depending on your PIN, you may have the option of choosing the length. You should choose a PIN that is longer than four digits if this is the case. Although it is possible to brute force guess a PIN with technology, a longer PIN will be more difficult for someone to guess. Additionally, avoid repeating digits or consecutive numbers. Avoid using “1212” or “1234”, for example. Even more security can be achieved by mixing numbers and letters. Make sure, however, that you can remember the combination easily.
Last but not least, consider changing your PIN regularly. You may not realize that someone has accessed your account if they guess your PIN. It is possible that you may prevent unknown unknown unauthorized access by changing your PIN regularly.
How Do I Find My PIN Number?
In case you forget your PIN number, you should contact your bank. A customer service representative should be able to help you reset your PIN after verifying your identity.
Do All Debit Cards Have a PIN?
All debit cards require a PIN number. You should be aware, however, that not all debit card transactions require a PIN. It is possible that the security checks implemented by the bank may be affected by the transaction itself, your recent purchase history, or the vendor from whom you purchased.
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A mandatory Conductor’s Reorientation Course (CRC) has been introduced by the Land Transportation Office (LTO) for licensed conductors with five to nine demerit points or more who are seeking to renew their conductor’s license in an effort to improve road safety and ensure the competency of public utility vehicle (PUV) conductors. It demonstrates the government’s commitment to addressing traffic-related concerns and promoting a safer and more pleasant commuting experience for everyone.
Similarly, conductors who have accumulated demerit points for violations and wish to renew their licenses must complete a Driver Reorientation Course before they can renew their licenses. Conductor’s license holders will not be able to renew their licenses without the CRC completion certificate, and may not be able to work legally in the same capacity.
Need for Conductor Reorientation
Conductors play an important role in ensuring the safety and well-being of passengers, which is why the LTO implemented a Reorientation course. An excessive number of demerit points on a conductor’s license record may indicate incompetence and a need for additional training to reinforce traffic rules, customer service, and conductor professionalism.
As conductors play a key role in the transport ecosystem, ensuring that public and private transportation services run smoothly, it is essential that they are well-trained. Passengers will also experience a positive and efficient transportation experience based on their performance. Additionally, they contribute to passenger safety, orderliness, and overall satisfaction, making them indispensable to the efficient operation of public and private transportation systems.
See Aslo: National ID Tracking Online In Philippines.
Conductor Reorientation Course Curriculum
PUV conductors can enhance their skills and knowledge by attending the LTO Conductor Reorientation Course. Among the key areas of focus are:
Traffic Rules and Regulations
In addition to reinforcing understanding and compliance with traffic laws, emphasis is placed on safe driving practices, proper signaling, and adherence to road signs.
Customer Service and Communication
Communication training is provided to ensure that passengers have a positive commute experience. Also covered are techniques for handling difficult situations and providing assistance to passengers with a variety of needs.
Vehicle Maintenance and Safety
Additionally, conductors are taught how to check and maintain their vehicles to prevent breakdowns and accidents, as well as emergency response protocols and evacuation procedures in case of an emergency.
Ethics and Professionalism
This discussion focuses on ethical conduct, courtesy, and respect for fellow road users and passengers. In addition, it ensures that conductors have a full understanding of their responsibilities beyond driving.
Benefits of Taking the Conductor Reorientation Course
It’s not that bad to take the Conductor Reorientation Course. Additionally, it offers certain benefits to the licensees who are forced to take it as a penalty for having committed certain violations.
A Conductor Reorientation Course can provide the following benefits:
Eligibility Criteria
The following requirements must be met in order to enroll in the Conductor’s Reorientation Course (CRC):
Maintain an active conductor’s license
Having a Conductor’s License that has expired for up to two (2) years
The conductor’s license will accumulate five (5) to nine (9) demerit points
Possess a conductor’s license with at least ten (10) but not more than forty (40) demerit points
If your LTO Conductor’s License has expired for more than two (2) years and/or if you have ten (10) or more but fewer than forty (40) merit points
Renewal of conductor’s license is planned
Possess sound mental and physical health
Having a history of traffic violations
Have no unresolved traffic violations
Documentary Requirements
Candidates must prepare the following documents before enrolling in the Conductor’s Reorientation Course (CRC):
Proof of payment of a fine is an Official Receipt (OR)
TOP (Pink copy) or e-TOP (electronic copy)
Affidavit of Loss in Case of Loss of TOP/e-TOP
Printout or screenshot showing the violation and demerit points from the Data Control Unit (DCU) at the LTO Central Office
Releasing Unit of the LTO Central Office apprehension details
Conductor Reorientation Course (CRC) Enrollment Procedures
Following are the steps to participate in the Conductor Reorientation Course (CRC):
Step 1. Choose from Drivers Education Centers (DECs) at LTO Regional Offices or Traffic Safety Divisions (TSDs) at the LTO Central Office.
Step 2. To present and/or submit the requirements for evaluation to the TSD/DEC Officer.
Step 3. Register on the Client’s Attendance Sheet and complete the Conductor Reorientation Course (CRC) Form once the violation records have been verified.
Step 4. Participate in the CRC facilitated by the TSD/DEC proctor.
Step 5. The TSD/DEC proctor will facilitate the examination after you have completed the course.
If passed: You will receive a CRC Certificate of Completion and a picture.
If failed: Attempt to retake the exam on the following regular working day or at a time that is convenient for you.
Step 6. The TSD/DEC Officer of the day will release your Certificate of Completion once it has been signed and uploaded to LETAS-Seminar Penalties.
Fees
Conductor Reorientation Course (CRC) is free, except for expenses related to requirements, travel, and personal needs.
Where to Avail
You can visit one of the following LTO offices:
The Drivers Education Centers (DECs) of the regional offices of the LTO
LTO Central Office’s Traffic Safety Division (TSD)
Conclusion
A proactive measure taken by the Land Transportation Office to address road safety concerns and elevate the standards of PUV conductors is the Conductor Reorientation Course. The government intends to ensure that the safety, professionalism, and positive passenger experience of these essential frontline workers are prioritized through continuous training and development.
By reorienting conductors, roads become safer and trips become more enjoyable, contributing to a more safe, efficient, and satisfying transportation system.
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