Question

an elderly person withdraws money from an atm at a bus terminal. they are speaking on their cell phone and overlook retrieving the bank card from the card reader. a malicious actor is watching and steals the card. unfortunately, the card has a small piece of tape with the pin. the attacker waits a couple of hours after the elderly person has boarded a bus and goes to the atm to withdraw money. even though the elderly person has not yet realized their card is missing, the attacker is unsuccessful. which of the following most likely thwarted the attackers intent?
o a. geolocation
o b. face recognition
o c incorrect pin
o d. an incorrect quick - response otp

Explanation:

When withdrawing money from an ATM, in addition to the PIN, many ATMs now use OTP (One - Time Password) as an extra layer of security. If the attacker only has the PIN (from the tape on the card) but not the OTP (which is usually sent to the account holder's mobile phone and is a time - sensitive code), they won't be able to complete the transaction. Geolocation (a) is not relevant here as the attacker is at the same ATM location as the elderly person. Face recognition (b) is not mentioned in the context of this ATM transaction. A correct PIN (c) would help the attacker if there was no additional security, but since OTP is a common additional security measure, an incorrect quick - response OTP (d) (assuming the OTP is required and the attacker doesn't have it) would thwart the attacker.

Answer:

d. an incorrect quick - response OTP