[Gllug] [ot] borked net transaction

[t.clarke]

I naively assumed that what was held on a Visa Card was a 'hashed' version of
the PIN - in some fashion similar to that used to hold a password in Linux;
ie a value that would compute FROM the PIN but could not be used to compute the
PIN itself.  Holding the PIN value itself within the card/chip itself would seem
to be barmy, even if the chip is designed to that the value held cannot be
'read'!

Tim
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