Security :
|| Registered mail
Here's how I was delivered a mail today. Once the delivery man has handed me the papers, he sends a confirmation to the courier service. The courier service's server sends me a SMS containing a code. The delivery man has to collect the code from me and punch it in his phone. On acceptance it's recorded as delivered. No signing required.
This sounds best way to deliver registered mail. No way he can not deliver it and fake the papers as delivered.
|| Credit Card
As soon as I handed over my card the sales man told me to punch in my 4 digit PIN. This should ring a thousand alarm. He can just clone my card, take this PIN and withdraw money from ATM.
This has happened previously. In Shawpno Banani sales center. Where the sales man was wearing a card reader as bracelet on his hand. And then watched the buyer punching in the number.
Was my Bank stupid? or is this sales man faking?
Then noticed this new card I had wasn't a standard magnetic card that can be cloned. Rather it's one of those microchip card which can't be cloned. He can take my PIN but then he has to fight and take the card from me too. In Swapno's case, the bank was using standard magnetic card and still prompting the user to punch in the 4 digit PIN in open. That was a no-no.
So has security increased or decreased?
Increased I guess. Previously whenever I lost a card, was always scared that someone might be using it to purchase something expensive on my name. Because there weren't any other security in place other than being the card holder.
Now it's two factor. You need to know the number too.
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