Let's talk about the case where you only need to sign and don't need to enter a password. At present, the credit card swiping environment in Heyuan is relatively relaxed, and when cardholders swipe their cards, most cashiers will not carefully check their signatures. That is to say, it is actually not feasible to regard signatures as the most important barrier to authentication. As a cashier, when checking the signature, it is limited to "formal" verification, that is, if the name on the card is "Zhang San", as long as the customer signs "Zhang San" (not "Li Si"), the cashier will recognize this signature. Because Chinese signatures are easy to imitate, and cashiers do not have the professional skills of handwriting identification, their obligation is only to check whether the fonts of signatures are "obviously different", which has been confirmed by judicial organs in the trial of several credit card embezzlement cases in China.
First of all, if you have to enter a password for pen consumption, it will be very inconvenient to operate in practice. If the place where you spend money and the place where you check out are not in the same place (sometimes it may be far apart), then the customer must personally enter the password to realize the transaction, which is often time-consuming and laborious. Secondly, all kinds of fraudulent activities involving bank cards have been endless, and many cardholders have suffered losses because of the leakage of card passwords. If the password is leaked, there is naturally no security. To ensure the security of using the card, we must first ensure the security of the password itself. If the key is given to that person, no matter how strong the lock is, it is useless.
Therefore, both signature and password have certain risks, and they are not foolproof.