Chip and PIN

[John Brazier]

>>To take a case a colleague described last year:
>>
>>Elderly person gives card and PIN details to helpful neighbour, helpful 
>>neighbour's son finds out and spends some money on it (a phone, if 
>>memory serves).  Daughter of elderly person sees entry from electronics 
>>store statement, and asks what had happened.  Parent, not wanting to 
>>admit to admit they'd been a bit naive, denies all knowledge and 
>>daughter writes to the bank.   Bank refuses to refund the money.  What 
>>do you think happened next?  What do you think _should_ happen next?

>This is a very good example of problems often not being as simple as 
>they appear.

>>But suppose the parent hadn't backed down?  Didn't link the  nice 
>>neighbour with the mysterious entry?  It isn't fraud, as such,  but it 
>>sure as hell isn't the bank's responsibility either.

>CCTV at the ATM might resolve more of these.

Strangely, though, my experience is that CCTV is never available when it's
to the punter's benefit.

JB