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by rswail
1144 days ago
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Not entirely true. I've done a contactless payment that was interrupted at the reader and my PIN requested before the transaction was processed. I didn't need to re-present the card to the reader. It processed the rest of the transaction after the PIN was entered. |
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Yeah that's an online PIN, it's sent to your bank for verification, not the card (which has already done its part of the transaction).
(If you want to be pedantic, yes, you're quite right! The EMV transaction process is still going on at that point, between the terminal and the bank, and it has indeed paused to allow the user to enter a PIN. The process between the terminal and the card has completed though, so offline PIN can't be done, because in the offline PIN process the card performs the verification.