The trick is in the PIN. It is surprising that the idea of providing the consumer with a means of identifying themselves has not been widely developed. CNWB addresses this issue by providing the card holder with a simple PIN code. When you sign up for a CNWB card you are asked to select a PIN code. This PIN code functions exactly like your ATM PIN code. Without this unique number transactions against your account are absolutely impossible. You will be asked for your pin each and every time you attempt to make a purchase using the CNWB card. Am I safe from malicious merchants? Commonly, during the payment process, a customer is asked for personal information to complete a transaction. This information can be stored by the merchant in any form. Were this information to be compromised, it could be used to initiate charges on the customer’s credit cards. With CNWB the merchant does not have access to any information that would help hackers or malicious employees to do harm to the customer's account. You identify yourself to CNWB. CNWB verifies your PIN code and then informs the merchant of your status without providing any additional information. Customer information is stored and protected by CNWB. How is my information secured at CNWB? CNWB stores your PIN codes as encrypted. That means that anyone directly accessing those numbers will see your PIN as absolute gibberish and unusable to them. Even our customer service agents do not have access to your PIN information. Their access to the database does not grant them this view. No one has access to this ID information but you.