SEB PIN-calculator - User Manual

How to use the SEB PIN-calculator
to access private and business internetbank to confi rm
1. To turn on the PIN-calculator, press the button marked with a
triangle
2. The following image will appear on the screen:
Enter the PIN-code.
The fi rst time you use the PIN-calculator the PIN-code will be:
a)  (if you are asked to enter a four-digit PIN-code)
b)  (if you are asked to enter a fi ve-digit PIN-code)
Once you have entered the PIN-code for the fi rst time you will then
have to change it (see “Changing the PIN-calculator’s PIN-code”
below).
3. After you enter the PIN-code you will be asked which programme
you wish to use.
4. In private and business internetbank you will need to use
Program .
Press on button 
5. After you have pressed button no. , a code will appear on the
PIN-calculator screen which must be entered in private and
business internetbank
6. The code is displayed for 90 seconds. After this period the PIN-
calculator automatically turns itself off . If you wish to turn it off
earlier, press the button marked with the triangle twice.

Summary

How to Use the SEB PIN-calculator

Turn On the PIN-calculator

Press the button marked with a triangle to activate the device.

Enter Initial PIN Code

Input the default PIN (1234 or 11111) when prompted. You will need to change it on first use.

Select Program for Internetbank

Choose Program 1 to access private and business internetbank.

Enter Generated Confirmation Code

Input the code displayed on the PIN-calculator into the internetbank.

Code Validity and Auto-Off

The code is displayed for 90 seconds before the calculator turns itself off.

Change PIN-Calculator PIN Code

Initiate PIN Change Process

Turn on the calculator and hold the triangle button for 2 seconds to start the change.

Enter New PIN Code

Input your desired new PIN code when prompted on the screen.

Confirm New PIN Code

Re-enter the new PIN to confirm. 'NEW PIN CONF' will appear on success.

Handle Wrong PIN Entries

Incorrect PIN Entry Alert

Displays 'FAIL' and a number indicating the count of wrong PIN attempts.

Lockout After Multiple Failures

Five incorrect PIN entries lock the calculator, requiring a bank branch visit.

Overview

1. Function Description
2. Usage Features
3. Maintenance Features

This document describes the usage and features of the SEB PIN-calculator, a device designed to provide secure access to private and business internet banking services and to confirm transactions.

Function Description

The SEB PIN-calculator serves as a security token for authenticating users and generating one-time passcodes for online banking. Its primary function is to enhance the security of internet banking by requiring a physical device to generate a unique code for each login or transaction confirmation. This two-factor authentication method helps protect users from unauthorized access to their accounts. The device operates by taking a user-entered PIN-code and, based on a selected program, generating a dynamic code that must then be entered into the internet banking platform. This ensures that only individuals possessing both the correct PIN-code and the physical PIN-calculator can access their accounts or authorize transactions.

Usage Features

The PIN-calculator is designed for straightforward use, with a clear sequence of steps for activation, PIN entry, program selection, and code generation.

• Turning On the Device: To activate the PIN-calculator, the user simply presses the button marked with a triangle. This initiates the device and prepares it for PIN entry.

• Initial PIN-Code Entry and Setup: Upon the first use, the device prompts the user to "Enter the PIN-code." The default PIN-codes are provided: "1234" for a four-digit PIN-code or "11111" for a five-digit PIN-code, depending on the specific model or configuration. After entering the default PIN for the first time, users are required to change it to a personalized PIN for enhanced security. This change process is a critical step in securing the device for individual use.

• Changing the PIN-Code: The process for changing the PIN-code is initiated by turning on the PIN-calculator and then pressing and holding the triangle button for two seconds. This action brings up a "NEW PIN" prompt on the screen, indicating that the device is ready to accept a new PIN. The user then enters their desired new PIN-code. Following this, the device will display "PIN CONF," prompting the user to re-enter the new PIN-code to confirm it. If the new PIN-code is entered identically twice, the change is successful, and the device will subsequently require the new PIN for all future uses. If the codes do not match, a "FAIL" message appears, and the user must restart the PIN-change process.

• Program Selection: After successfully entering the PIN-code, the device asks the user to select a program. For private and business internet banking, users are instructed to use "Program 1." This is selected by pressing the "1" button on the device.

• Code Generation and Display: Once "Program 1" is selected, the PIN-calculator generates a unique code, which is then displayed on its screen. This code, for example, "185383," is the one that needs to be entered into the internet banking platform to complete the login or transaction confirmation.

• Code Validity Period: The generated code is displayed for a limited time, specifically 90 seconds. This time limit is a security feature, ensuring that the code is used promptly and cannot be intercepted and used much later. After 90 seconds, the PIN-calculator automatically turns itself off.

• Turning Off the Device: If a user wishes to turn off the device before the 90-second timeout, they can do so by pressing the triangle button twice. This provides a quick way to secure the device after use.

• Error Handling for Incorrect PIN Entry: The device incorporates a system to manage incorrect PIN-code entries. If an incorrect PIN-code is entered, the screen will display a "FAIL" message along with a number, indicating how many times an incorrect code has been entered. This message will persist each time the device is turned on until the correct PIN-code is entered. Users can clear the "FAIL" message and re-enter the PIN-code by pressing the triangle button.

Maintenance Features

The PIN-calculator has built-in security and operational features that also touch upon its maintenance, primarily concerning PIN management and device security.

• PIN-Code Security and Reset: The requirement to change the default PIN-code upon first use is a crucial security measure, ensuring that each device is personalized and protected. This prevents unauthorized access even if the default PINs are known.

• Lockout Mechanism: A significant maintenance-related security feature is the lockout mechanism. If a user enters the wrong PIN-code five times consecutively, the PIN-calculator will automatically lock itself. Once locked, the device becomes unusable. This is a protective measure against brute-force attempts to guess the PIN. In such a scenario, the user cannot simply reset the device themselves. To regain access to internet banking services, the user must visit a bank branch to obtain a new PIN-calculator. This process ensures the integrity of the security system and prevents unauthorized access even if the device falls into the wrong hands.

• Automatic Shutdown: The automatic shutdown after 90 seconds of inactivity (or after the code display period) helps conserve battery life and adds a layer of security by ensuring the device is not left on and potentially accessible.

In summary, the SEB PIN-calculator is a user-friendly and secure device essential for accessing and confirming transactions within SEB's internet banking platforms. Its design emphasizes ease of use, robust security features like PIN management and lockout, and clear operational instructions to guide users through the authentication process.

SEB PIN-calculator Specifications