Your PIN number doesn't want to be broken into? Watch this

  There are many reviews regarding personal data theft techniques through phishing methods that are rife in the community. The most important thing to avoid online break-ins and theft of personal data is to always be vigilant and maintain your username, password, PIN and OTP code well.

Questioning the secret code or personal identification number (PIN), this article will discuss tips on making a secure PIN to avoid cyber crime mode.

Why is a PIN important? If you are careless and do not maintain the confidentiality of the PIN and do not have a strong PIN, you can become a victim of phishing or other cyber crimes. 

Moreover, one of the most common modes of the crime of losing money in the account is due to improper pin management. For example, a combination of an easy-to-guess PIN, insecure PIN number storage, and some other habits that allow ATM cards and credit cards to be easily 'hijacked' are stolen.

The money you have and stored in a bank account must be maintained security, for example not making ATM PIN / CREDIT CARD PIN carelessly, do not create a pin and password internet banking carelessly so that account balances, digital wallets and credit cards remain safe.

Let's see the full description of the tips on safely creating and maintaining the following debit, credit card or paylater PIN codes.

Generic Data Methods for PIN Combination Analysis

 

The combination of ATM PIN numbers becomes something interesting to analyze. Even a company engaged in generic data released findings about the tendency of natural people to make PIN combinations. They analyze the potential risks and security levels of the PIN associated with a number of data breaches / data theft.

If you look at, generally the standard PIN is made in the form of 4 digit number data. With this 4-digit combination, there are 10,000 possible combinations of numbers 0-9. Nick Berry, one of the analysts from the generic data company analyzed various methods of combination of numbers to determine the most difficult and most predictable combinations.

There are some interesting analyses related to the combination of PIN numbers that you need to know, including: the most popular PIN codes used by bank customers, common and basic errors that often occur in creating and managing PIN, pin codes that are most difficult to guess, even up to the results of surveys on customer behavior in using and caring for their ATM PIN.

Findings of PIN Code Combination Based on Generic Data Analysis

 

Based on research and surveys on PIN combinations for ATMs conducted by the company, found interesting information that needs to concern all of us:

• A person who uses a 4-digit password for an online account or website, will likely use the same code for their bank's ATM PIN.
• About 10.71% of the 3.4 million four-digit passwords it analyzed were: 1234. The second-placed password was 1111 (6%), followed by 0000 (1.88%).
• The results of an earlier survey contained a list of the most frequently used passwords and it turned out: 123456 is the choice of the most users in the world.
• About 26.83% of passwords can be guessed by trying 20 possibilities only. It is quite surprising how easy it is to guess the passwords. We sometimes don't bother to remember and no one thinks that (one day) someone will steal the money in our account.
  

Based on the results of the survey above, you can start learning how to make a good PIN code combination. Customer habits in general in using an

The Most Popular and Most Commonly Used PIN Codes

Maybe someone thinks that their account balance is not much so why the hell is it difficult to make a PIN combination. After all, a complicated PIN that will actually make you often forget and even trouble yourself later. This kind of perception is clearly inappropriate and endangers your account's personal security system.

This misperception has prompted some of the following actions:

• The most popular PIN code '1234' is still more commonly used than the combined 4,200 least popular PIN codes combined. It seemed like people were so lazy to create secret codes. 28% chose pin code: 12345.
• For 7-number code combinations, the most popular codes in the fourth position are: 8675309.
• There is a tendency for people to like the use of paired numbers for PIN: 4545, 1313 etc. Surprisingly, they don't like the use of far-fluy numbers. The combination of the numbers 45 and 67 is more commonly used than 29 or 37.
• Another surprising finding is the use of a PIN: 2580. This PIN occupies the 22nd position as the most frequently used PIN. Although this PIN seems random, if you look at the phone plane button or ATM button, it will be seen that these four numbers form a straight line pattern in the middle row. One more proof, how lazy we are in creating a PIN that is not easy to guess.

 Sequential number PIN codes, such as 1234, or intersormed hose numbers such as 4545 are the most popular to use but at the same time most prone to being broken into or hacked by people.

Now, try to check your ATM PIN, does it fall into the vulnerable category? If so fix it immediately, and don't forget to learn about other common errors in managing the PIN.

 Avoid Using Dates, Months and Years as PINs

To avoid forgetting pin codes, many of us use dates or letters that are easy for us to remember. Actually it is recommended, but the problem is that the code is often equated with important dates that are also known by many others such as date of birth, wedding date, etc.

 In fact, when using the year, starting with 19__, it can help to remember our secret code, but it is obviously very predictable.

The use of a PIN code with a date of birth in the ID becomes increasingly dangerous when there is a fatal error because if you lose your wallet, driver's license and ID card is also in it.

If someone finds your wallet, they can certainly also know your date of birth. If you want to use your date of birth as a PIN code, you should at least use someone else's birth date, such as your parents. So, it is clear that PIN codes that use birth dates are at great risk. To avoid that it's a good thing you learn the most difficult PIN code to guess.

Tips for Creating a Hard-to-Guess PIN Code

Actually to create a PIN code that is difficult to guess, there is no standard formula. As of July 1, 2020, transactions with credit cards are also required to use a PIN.

You can create a new PIN at an ATM machine or via online (mobile / internet banking). If it has to be done directly in front of the ATM machine, make sure there is no one around you when making a PIN. Now, pins can be in the form of "numbers" either 4 digits or 6 digits, as well as a combination of numbers and letters.

For the security of your financial transactions, here are practical and easy tips to create a debit card PIN / credit card or PIN paylater / digital wallet that is important to listen to.

1. Avoid using sequences of numbers such as 1234, 5678, or 123456 and so on.
2. Avoid repetition of numbers. For example, 123123 or 000000.
3. Avoid making debit card PIN the same as credit card, paylater and others as such.
4. Avoid creating the same PIN as someone else's PIN. For example, a husband's PIN is made equal to a wife's PIN.
5. Avoid using DDMMYY (Day/Month/Year) pattern.
6. Avoid creating PINs with numbers that describe the date, month, and day of our birth, our families, or perhaps our lovers because these numbers are so easily guessed by malicious people.
7. Avoid creating a PIN that concerns the house number / RT / RW of residence. These numbers turn out to be easy for cybercriminals to guess.
8. Avoid PINs related to mobile phone numbers/landlines/office extensions.
9. Use the numbers 0 to 9 randomly and hard to guess by others, including by those closest to you.
10. Keep your PIN secret and don't inform anyone (including your own family).
11. Please memorize your own PIN.
12. If the PIN is a combination of letters with numbers, avoid creating a PIN that uses the real name / nickname / surname / name of the girlfriend to the office name. It could be easily guessed.
13. Get used to checking back and take your debit card after the transaction at the ATM machine. Do not forget to check the log-out after opening internet / mobile banking.
14. Never share the PIN and Authentication Code (OTP) you receive via SMS. There are many online scams, reward offer modes or bank/digital wallet/e-commerce officers. Be careful!

Don't Make Common Mistakes Managing PINs

Errors in managing are often not only caused by easy-to-guess PIN combinations, but also result from improper storage. Some mistakes that often occur for example:

• Write the PIN on his ATM card.
• Store a PIN number in your wallet, a mobile number, in a phone record with a very clear title.
• Tell people to get money at the ATM by telling them their PIN number.
• Leaking PIN to parties claiming to be from banks or other companies. 
• Lazy to update or change the PIN periodically, which is a minimum of once every 6 months. 
• Easily trust with others so do not keep a secret of the PIN owned. 
• Always remember yes, laziness or the attitude of emblazoning something can sometimes be fatal.
  

Update your PIN immediately

Indeed, many customers do not realize that PIN, password, OTP code is important to keep and confidential. Therefore, it's good if you start maintaining and managing the ATM PIN well. Let's start replacing and updating your PIN with the tips above to make it safer.