Debit Cards. On April 20, 1999, while visiting her daughter and son-in-law Michael Dowdell, Carol ...

Debit cards
The steps in a debit card transaction begins with a card issuer, Auburn Bank in this case, providing cards to its customers, who use their cards to make purchases or obtain cash. A re-tailer's electronic cash register or an institution's automatic-teller-machine (ATM) records the amount and the routing number of the issuing bank. The retailer or institution then submits the recorded data to its bank. This bank forwards claims for funds to the system operator. The op-erator transmits these claims to the issuing bank. Once the issuing bank honors its obligations by debiting the card owner's checking account, the bank of the retailer or institution credits its customer's deposit account. One of the problems with debit card transactions apparent from the facts of this case is that one person can use another's card without the owner's permission, as long as the unauthorized user has the owner's personal identification number (PIN). Farrow testified at Dowdell's trial that she did not give him permission to use her debit card and that she had not told him her PIN, but that he may have overheard her tell her daughter what it was or have seen her type it into an ATM. Fortunately, the bank maintained security cameras at their ATMs and kept records of debit card transactions' times so that Farrow could check her unauthorized user's identity. There may be new technology that could be applied to further avoid unauthorized use of debit cardsretina scans, for example, or the use of code words such as a parent's maiden name rather than a PIN.

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