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Re:Ask HN: Why are credit card chip readers so slow? by amluto on Monday June 26, 2017 @02:00PM (#14638873)
You set up an secure session (e.g. TLS, but you wouldn't do it that way) and send the 4 digit number over it. Or you use any standard cryptosystem with appropriate security guarantees (RSA-OAEP, AES-GCM, you name it).

What you don't do is shove the 4 digit number straight into an ECB mode cipher.

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