Not to mention having to remember your PIN so you can withdraw money from the bank machine. Authorization is the process of determining what you are allowed to access. However, you are only allowed to make deposits to and withdrawals from your own account. In other words, you are authorized to modify only your account. The true strength of authorization is in the ability to extend beyond a single account.
Many banks now offer the ability to transfer money between several accounts.
You may want the ability to transfer money from your account to a son or daughter's account while they are away at school. However, you may not want your son or daughter to be able to transfer money out of your account. Although each of you can independently authenticate to the ATM with your own card and password, you are each authorized to access different accounts. Though you have access to your son or daughter's account, your child does not have access to your account. Combining a single authentication process with a shared authorization system for access to information on our campus network is being explored.