Ipin 1 13 – Secure Pin & Password Safe
Use them to secure the ends of clevis pins and shafts to keep components in place. Choose a pin with a lanyard to keep the pin from getting lost when removed. Zinc-plated steel pins have good strength and some corrosion resistance. 18-8 stainless steel pins offer a balance of strength and corrosion resistance. They may be mildly magnetic. You must pass the Secure Access identity verification process. Select the Tax Return Transcript and use only the “Adjusted Gross Income” line entry. Use Get Transcript by Mail or call 800-908-9946 if you cannot pass Secure Access and need to request a Tax Return Transcript. Please allow 5 to 10 days for delivery. Hi, I have set my PIN on my Windows 8.1 but it continues to prompt me on password when I sign in. I can only click the sign-in option and change to PIN in order to input PIN number.
The IRS has expanded the number of states by 10 for which residents can voluntarily apply for an Identity Protection Personal Identification Number (IP PIN). This expansion was announced by the IRS in its e-News to Tax Professionals email subscription sent out on October 4, 2019.[1]
The IP PIN program was created to combat tax-related identity theft. Originally the PINs were issued only at the IRS’s discretion to actual or suspected victims of tax-related theft. As Kay Bell notes on her website, in 2010 the IRS created a pilot program in 2010 to allow for taxpayers to voluntarily request IP PINs, limited to only the three areas that had the highest level of tax related identity theft.[2]
Last year the IRS had their first expansion of the program, offering the program to residents of 9 states and the District of Columbia.[3] During 2019 Congress mandated in the Taxpayer First Act that the program be expanded so that by July 1, 2024 all taxpayers could opt to participate in the program.[4]
For 2020 the program will be offered to those who filed a 2019 income tax return in the following states:
Arizona,
California, *
Colorado,
Connecticut,
Delaware, *
District of Columbia, *
Florida, *
Georgia, *
Illinois, *
Maryland, *
Michigan, *
Nevada, *
New Jersey,
New Mexico,
New York,
North Carolina,
Pennsylvania,
Rhode Island, *
Texas and
Washington.[5]
* States where residents were eligible to participate in the program in 2019.[6]
The IRS has been using the states with the largest number of ID thefts reported by the FTC to add to the list in the past.[7] Although the email does not indicate how the new states were selected, given the population sizes of the states being added it is likely the IRS is continuing to use the FTC list of absolute numbers of ID thefts reported to expand the program—so Wyoming residents may have a while to wait to get added to the list if for no other reason than are just far fewer people in Wyoming than most other states.
Note—as the IRS writes in its description of the program on IP PIN page, once a taxpayer opts into the program there’s no way to get out of the program. The program is described as follows:
An IP PIN is a six-digit number assigned to eligible taxpayers that helps prevent the misuse of their Social Security number on fraudulent federal income tax returns.
Requesting an IP PIN is strictly voluntary. If you choose not to participate in the program by not requesting an IP PIN, you can file your return as you would normally. If you are assigned or if you request an IP PIN, you must use it to confirm your identity on any tax returns filed electronically during the calendar year. A new IP PIN is generated for each filing season and can be retrieved starting in mid-January of each year by logging into the account you create. At this time, if you choose to receive an IP PIN, you must use your IP PIN for all future filings.[8]
The IRS web page for requesting an IP PIN had not been updated as of the morning of October 7, 2019 to provide for the new states for which an IP PIN can be requested and it’s not clear if taxpayers in the newly added states would be able to request an IP PIN right away.[9]
Taxpayers requesting an IP PIN will need to complete the IRS’s secure access identity verification process[10] in order to be admitted to the program.[11]
Should clients enter this program? There are advantages and disadvantages to the program that a taxpayer should understand before entering the program—but entering the program is something clients likely should consider.
The key advantage of entering the program is the taxpayer makes it much more difficult for a third party to use the taxpayer’s information to commit tax-related identity theft. As Kay notes in her post, acting before a problem occurs is much more effective than only taking such an action following a tax-related ID theft incident.[12] Taxpayers who have been through tax-related identity theft are aware of all of the problems triggered in such an incident, including delayed refunds and inability to get confirmation of tax numbers for lenders.
With the large number of data breaches that have been reported recently, getting an IP PIN may be the only effective way to protect the taxpayer from tax-related identity theft. Virtually all U.S. taxpayers have likely had most of their key information leaked by some organization by now.
But there are also issues with the program. First, remember that once a taxpayer enters this program there’s no way out. That makes sense—if there was a simple way out, fraudsters would simply attack that program to “free up” returns. Security concerns dictate that it should be very difficult, if not nearly impossible, to get out of the program. But since it will reduce convenience, a number of clients will likely find the program too much of a bother (after all, they haven’t had a problem yet, so…)
And that brings us to the second problem—the taxpayer must assure that they retrieve and secure the IP PIN each year. The taxpayer will be responsible for getting his/her IP PIN each year. As the IRS notes:
Getting Your IP PIN
To get your IP PIN, you must be eligible as determined in Step 1 below. Your IP PIN will be displayed to you online once we verify your identity. A new IP PIN is generated for each filing season and can be retrieved starting in mid-January of each year by logging into the account you create.[13]
If the taxpayer loses his/her IP PIN for the year and loses his/her credentials to log into the IRS website to obtain the current year IP PIN, the taxpayer must go through the process to get the IP PIN reissued.
The IRS describes that process as follows:
How to get your IP PIN reissued
If you’re unable to retrieve your IP PIN online, you may call us at 800-908-4490 for specialized assistance, Monday - Friday, 7 a.m. - 7 p.m. your local time (Alaska & Hawaii follow Pacific Time), to have your IP PIN reissued. An assistor will verify your identity and mail your IP PIN to your address of record within 21 days.
Exceptions:
If you’ve moved since January 1 of this year, or
It’s after October 14 and you haven’t filed your current or prior year Forms 1040 or 1040 PR/SS,
you’ll need to complete and mail a paper tax return without your IP PIN. We’ll review your return to confirm it’s yours but this may delay any refund you’re due.[14]
As was noted, if the taxpayer can’t get the new IP PIN issued, the only option is to paper the tax return as any electronically filed return submitted without the proper IP PIN will be rejected. As well, the paper return is going to be subjected to additional verification, delaying any refund that might be due as well as likely delaying any access by a lender to verification information for the return.[15]
Advisers with clients in the 20 states that now have the option (which cover most of the U.S. population) should consider providing information on the program to clients once it is clear that the program will now accept applicants from all affected states. Advisers should emphasize that the program is the best option to stop tax related ID theft but it will require the taxpayer to obtain and secure that IP PIN each year and if the taxpayer is not able to manage dealing with the program there’s no easy way out of the program.
Based on this adviser’s experience, taxpayers who find many online systems challenging in generally will almost certainly run into issues with this program—it can’t be “easy” in the sense of not requiring the taxpayer to be responsible for doing things like retaining passwords and keeping two factor authentication information up to date. That cautions against giving the blanket advice that all clients should enroll in the system.
[1] “IRS Makes Identity Protection PINs Available to More Taxpayers,” e-News for Tax Professionals, Issue 2019-36, October 4, 2019
[2] Kay Bell, “Taxpayers in 19 states & D.C. now can get special IRS IP PIN to fight tax identity theft,” Don’t Mess With Taxes, October 6, 2019 (retrieved October 7, 2019)
[3] Kay Bell, “Taxpayers in 19 states & D.C. now can get special IRS IP PIN to fight tax identity theft,” Don’t Mess With Taxes, October 6, 2019 (retrieved October 7, 2019)
[4] Taxpayer First Act of 2019, Act Section 2005
[5] “IRS Makes Identity Protection PINs Available to More Taxpayers,” e-News for Tax Professionals, Issue 2019-36, October 4, 2019
[6] “Get An Identity Protection PIN (IP PIN),” IRS Website, September 20, 2019 version, https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin, retrieved October 7, 2019
[7] Kay Bell, “Taxpayers in 19 states & D.C. now can get special IRS IP PIN to fight tax identity theft,” Don’t Mess With Taxes, October 6, 2019 (retrieved October 7, 2019)
[8] “Get An Identity Protection PIN (IP PIN),” IRS Website, September 20, 2019 version, https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin, retrieved October 7, 2019
[9] “Get An Identity Protection PIN (IP PIN),” IRS Website, September 20, 2019 version, https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin, retrieved October 7, 2019
[10] “Secure Access: How to Register for Certain Online Self-Help Tools,” IRS website, https://www.irs.gov/individuals/secure-access-how-to-register-for-certain-online-self-help-tools, retrieved October 7, 2019
[11] “Get An Identity Protection PIN (IP PIN),” IRS Website, September 20, 2019 version, https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin, retrieved October 7, 2019
[12] Kay Bell, “Taxpayers in 19 states & D.C. now can get special IRS IP PIN to fight tax identity theft,” Don’t Mess With Taxes, October 6, 2019 (retrieved October 7, 2019)
[13] “Get An Identity Protection PIN (IP PIN),” IRS Website, September 20, 2019 version, https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin, retrieved October 7, 2019
[14] “Retrieve Your Identity Protection PIN (IP PIN),” IRS website, https://www.irs.gov/identity-theft-fraud-scams/retrieve-your-ip-pin, retrieved October 7, 2019
[15] “Retrieve Your Identity Protection PIN (IP PIN),” IRS website, https://www.irs.gov/identity-theft-fraud-scams/retrieve-your-ip-pin, retrieved October 7, 2019
If you use Windows 10, you may have noticed that you now have the option of signing in with a personal identification number (PIN) instead of a password. The same applies to the Apple Mac as well as many brands of smartphone. Which might lead you to wonder what exactly is a PIN and how does it differ from a password?
The use of PINS has grown with the popularity of mobile devices. Entering long usernames is a pain with a touchscreen, so a PIN presents a shorter, more usable experience. But a PIN isn’t necessarily the same as a password. Depending on the scenario, it has different applications.
There are many ways to implement PINs, but the most common is to link them to a specific physical asset, such as a computer, credit card or phone. Most of us had our first encounter with PINs when we first used an ATM card. In that case, the PIN is a form of two-factor authentication. The physical card is the first factor and the PIN provides an additional level of verification that the cardholder is authorized to use it.
PINs may be stored on a server or on the device itself. In the case of Windows 10, Microsoft uses a physical chip called a Trusted Platform Module that includes multiple physical security mechanisms and cryptographic algorithms to make it nearly impossible to compromise. The PIN is only stored on the client PC. This approach is more secure than validating on the server because an attacker would have to gain access to the computer itself to steal the PIN. Similarly, the new chip credit cards that are now being broadly deployed in the U.S. store the PIN locally so that there is no chance of a large-scale compromise at the server level.
A PIN usually consists of a string of between four and eight numbers, although variations may include letters and punctuation at the security administrator’s discretion. Why is four numbers the standard for most applications? Because the man who invented the ATM back in the 1960s found that his wife couldn’t remember more than four numbers. You can look it up.
Four numbers offers only 10,000 possible permutations, which you’d think would be a snap for a password cracker to defeat. In fact, it’s not so easy.
For one thing, PINs almost always require manual data entry. Attempting a brute force attack using a keyboard would quickly frustrate most intruders, not to mention cause painful hand cramps. Most systems that use PINs also specify a maximum number of access attempts before shutting down. For example, Apple’s iPhone gives you just six chances to enter a four-digit passcode. After that, the phone is disabled. Windows permits four incorrect attempts before requiring a restart, and multiple restarts will lock the machine.
So given four attempts to authenticate against the universe of 10,000 codes, the intruder has only a .04% chance of success. That’s why some people say PIN security is actually better than password security.
Ipin 1 13 – Secure Pin & Password Safe Download
Which doesn’t mean you shouldn’t be careful. PINs demand the same level of care as passwords. Unfortunately, many people simply choose the easiest numbers that come to mind. Researchers at the data analysis firm Data Genetics found that the PINs “1234,” “1111” and “0000” accounted for nearly 20% of all the four-digit PINs they analyzed. In fact, “1234” was more popular than the least-used 4,200 codes combined. Human nature is difficult to change*.
Ipin 1 13 – Secure Pin & Password Safe Reset
Data Genetics also found that four-digit combinations starting with “19” rank above the 80th percentile in popularity. So using the year you were born is not a good idea.
Avoid easily guessed or researched PIN combinations, such as the last four digits of your Social Security number, your phone number or the day and month in which you were born. If you want to use a number that’s easy to remember, try an old phone number that can no longer be traced to you, or a combination of two numbers, such as your childhood street address and the grade on your sophomore year chemistry exam.
If the online services that you use offer the option of a PIN to complement your username and password, we recommend you use it. If the online services that you use offer the option of a PIN to complement your username and password, we recommend you use it. Device makers are also broadening the number of options to now include fingerprint recognition, facial recognition and voice recognition. These are often good alternatives to PINs, but we recommend against making them your primary form of authentication. Researchers have demonstrated ways to compromise fingerprint scans with wax molds, and face- and voice-recognition technologies are not mature enough to replace two-factor authentication on their own.
With so many large-scale password breaches in the news, it’s nice to have a second level of protection.
*The Data Genetics blog post is well worth reading for its interesting tidbits about password length. For example, the fourth most popular seven-digit password is 8675309 which will resonate with 1980s rock fans. The 17th-most popular 10-digit password is “3141592654.” Look it up.