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看到一篇文章 【小心！信用卡偷盗花样翻新，防不胜防】 http://www.oursteps.com.au/bbs/viewthread.php?tid=136488
谈一下Pin or Pen，
这里有一个误解，似乎使用PIN就可以保护信用卡的使用者。错！使用Pin的目的是为了方便商家（加快Check Out的速度），同时将授权验证的责任转移到使用者身上。
请参考PIN or PEN推介组织的网址FAQ：
http://www.penorpin.com.au/faqs.aspx
14.What are the advantages of using a PIN instead of a signature?
Speed is the main advantage of the introduction of PIN as it makes the process at the point of sale machine faster – there is no need for the shop assistant to check your signature.
23. Does PIN change my liability for any fraud committed on my card?
Possibly. If the fraud involved your card and PIN and you didn’t report the loss of your PIN to your financial institution, there may well be a case for liability adjustments.
If the PIN was not used as verification and the signature used at the time of the purchase has no similarity to yours, your financial institution may discuss alternatives with you.
Your financial institution can provide further details.
27. What if I have ‘suspended’ use of my card because I have entered the PIN incorrectly a number of times? Would I still be able to use my signature as another form of proof?
If your card has been ‘blocked’ as a result of you using an incorrect PIN, we recommend you contact your financial institution as soon as possible. Their telephone number is on the back of your card.
If your card doesn’t work with your PIN, you can try signing instead – remember to press the ‘credit’ button and then the ‘OK/ENTER’ button .
In many cases you may be able to sign verification, however, this is dependant on the financial institution.
36. Will I use my PIN in every shop?
Most shops in Australia will accept your PIN as verification, however, many smaller shops or those where the point of sale machine is not accessible by the customers may still ask you to sign your transactions.
从上面可以看到，使用Pin只是给商家多了一个快速验证信用卡授权的方式而已。签字还是一样可以使用的 （问题27：在尝试使用PIN失败后，还是可以通过使用签字来完成交易！）。
既然两者同时存在，那么是不是就是没有关系呢？
否。从安全角度而言，多一个授权验证方式，就是多一分泄密的机会，也就是降低了安全性。
更重要的是，这一新验证方式（PIN）的责任，完全在使用者身上，商家不承担任何责任（问题23）。不像签字，你可以同银行argue签字的不是你。
所以，个人建议：
- Pen！ No PIN。（如果有PIN，尽量不要用。）
- 签字：如果用中文签，可大大提高模仿的难度。
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