PIN API

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Give members quick, easy options for changing and managing their personal identification number (PIN). By accelerating processes for PIN change โ€“ a critical cardholder moment โ€“ your credit union promotes activation, personalization, and security, which ultimately boosts usage. Integrate PIN related functions into member-facing interfaces such as IVRs or mobile and online banking apps.

API usage requirements include:

  • Separate PIN API usage agreement.
  • HSM (Hardware Security Module) sponsored by the client or third-party vendor is required for the Omaha platform.
  • HSM (Hardware Security Module) sponsored by the client or third-party vendor may be required when using the โ€œPIN Offset Changeโ€ endpoint on the Connex platform. This is not required when using the โ€œPIN Change In The Clearโ€ endpoint
  • On the Connex platform, PIN Validation is performed using the Authorization Process file (not the track of the card).

The following endpoints are consumable with this API:

  • /connex/pin-offset-change: Change the PIN offset of a card account on the Connex platform.
  • /connex/pin-change: Change a PIN for a card on the Connex platform.
  • /connex/pin-change/wrap-key.get: The 256-bit key used to encrypt the symmetric PIN value and return a wrapped version used for PIN Change on the Connex platform.
  • /omaha/emv-pin-change: Change a PIN for an EMV chip card on the Omaha platform.

resources/PIN-Change-API_Mockup_r-f37a2880-e395-4b36-b4c7-0e8be15c76d2.png

Use Case Examples:

  • Make it easy for your members to manage their PIN through their credit union online or mobile banking applications.
  • Integrate PIN management functions into a credit union IVR for simplified member support.
  • Establish a member selected PIN during instant issuance of a debit or credit card.

Sequence Diagram:

resources/PinChange_CONNEX_FlowChart_999x760-662dd69b-16d7-4529-95e2-19ba5987b0c7.png

resources/PIN_OffsetChange-CONNEX_FlwChrt_112519_1000x645-9f761435-546c-45e2-8d7c-5dcd59eeab27.png

resources/PIN_Change-OMAHA_FlwChrt_112519_1000x645-b282822f-725a-4624-9c92-cc99e81e4956.png


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