Monday, June 22, 2009

How to create a secure, memorable PIN number

Usually people will use their existing numbers, such as telephone number, house number, birth date or social security number as their PIN number for banking. These numbers are easy to remember, nevertheless easy to be broken.

This article will give an idea on how to create a secure, but memorable PIN number.

How to create the PIN number

The technique is so simple. You need to create your own simple algorithm to generate the PIN number, based on the number that you already memorized. In case you forget the PIN number, it can always be generate easily using the algorithm.

An example of algorithm

Let say you want to generate a PIN that consists of six digits.

  1. First create the secret number. Think of a 3 digits number that you won’t forget. For example, if you are born in 1965, you can use 965 as the secret number.

  2. Use your algorithm to create the PIN number.
    Example: Add the secret number in step 1 with the number one, and multiply it back to itself.
    965 * (965 +  1) = 932190

  3. Therefore, your PIN number is 932190.

Different PIN number for different bank

Using this technique, you will have a PIN number that cannot easily be guessed by others. But, what if you want different PIN number for different bank?

You can also create different PIN number for different bank, using the same algorithm and secret number.

Just associate bank1 with 1, bank2 with 2, and bank3 with 3. Then, you can replace the number one in your algorithm with two for bank2 and three for bank3.


This article shows on how to create PIN numbers from one secret number and an algorithm. Using this technique you will only need to remember the secret number, the algorithm and the bank association number.


  1. Be a 'pulic' or 'private' citizen comes first!
    I like to identify people easily. I also prefer "people could fix my identity" easily!

    Most helping details to search "whole world citizen" is...
    Person is alive.
    A male or female.
    Age and approximate date of birth.
    Pin number that relates a birth place.

    In any one of above identifications "no generated numbers". 'One who search me' should not face least problems to locate me!In a system of public awareness 'it is a crucial decision'

    A 12-digits number will group all said information.
    It is neither a small number or a large number!

    2-6-2-2 number groups (total 12-digits) will merge as "a 12 digits number"!
    Start 2-digits is (end two digits of my own birth year)
    next 6-digits is pin code number (postal) where I was born!
    next 2 digits is month code of my birth
    next 2 digits is 'date'/'date+1' of my date of birth. Date or date +1 helps to fix 'males' by end dogits 1, 3, 5, 7 and 9 as well as 'females' by end digits 0, 2, 4, 6 and 8.

    kk raghuthaman-India and 49 680504 11 29 fixes me! It is my own number as long as I live. (In 99 years I will die)

    Each world citizan can claim own number. Computer will verify it!
    A 6-digit pin code number(postal)reasonably well fixes each citizen of a concerned country!

    Relate public awareness to a well known public knowledge!

    We can use this manner for 12 digits number for world citizen numbering as long as people live on earth!

    12 digits numbering will remain unchanged (forever)!

    You can ask people of a whole nation to claim a citizen number (with in three days) when manner to do it is simplest! Computing a pin number and a 'memorizing it' is not practical in your own case!

    However this fundamental mistake is done by most system planners, which make system worthless!

    Yet another fundamental error is Governments are least bothered of world order public awareness!A uniform 6 digits pin code number all over the world could make this a useful idea! Else it is an idea!

  2. great article, I enjoy reading it. I hope 1 day I will get the same. cheers.