To remember your ATM PIN (4298, say), imagine yourself on a sailboat (4), when a swan (2) tries to attack you.

好了，如果打算记住银行卡密码4298，想象你坐在帆船（4）上，一只天鹅（2）想啄你。

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Instead of giving your ATM card and PIN code, the card can double as a credit card with a signature authorization.

不用交出你的ATM卡和PIN密码，只需获得信用卡签名的授权，你就可以使用信用卡。

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This means they can also be used to authorise larger payments by entering PIN codes directly on the handset or topped up with stored credit from an online bank account without having to go to an ATM.

这些都意味着手机可以采用直接输入密码的方式进行更大规模的交易，还可以自网上银行为手机账户充值，而不必找自助取款机。

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Undeterred, Locker sought out Kenneth Minor who was paid some cash up front and given an ATM card with a PIN for additional payment.

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By providing the call center with a name, address, even the 9-digits of a social security number and the targeted account number, the criminal is able to reset a 4-to-6-digit ATM or Credit Card PIN.

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One call center scam involves calling the CSR to change the PIN on an ATM card.

FORBES: Cybercriminals Phone It In