Billions of PIN activated transactions are switched through ATM networks each year. Each of these transactions is originated using a card and Personal Identification Number. With each transaction, the security of the member’s PIN must rely on the security procedures and controls of the various processing entities and use certified devices. The most common standard used to evaluate organizations is the Technical Guide TR-39.
A TR-39 audit validates that policies and procedures surrounding PIN encryption and key management are compliant with Visa PIN and/or TR-39 standards. During the audit, noncompliant areas will be identified so corrective actions can be taken to correct issues. In the end, this helps to safeguard debit and ATM PINs that pass through the system to protect your member’s finances and privacy. Finally, failing an audit could impact the credit union’s ability process debit card transactions.
All financial institutions that own, operate or sponsor ATMs on the PULSE®, STAR®, NYCE®, CO-OP®, Accel/Exchange®, and VISA® Plus® MasterCard® Maestro® networks have certain requirements to complete a TR-39 audit bi-annually—every even numbered year by Dec.31. See the flow chart on the reverse for specific details.
With certified CTGA auditors, Resources can help you comply with the stricter rules on PIN security. As an added benefit Resources can help you avoid fines for non-compliance and the other costs incurred to manage fraudulent incidents.
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800-442-5762, Ext. 6464
4455 LBJ Freeway
Dallas, Texas 75244-5998
Phone: (469) 385-6400
Toll Free: (800) 442-5762