In which of the following ways is the processing of PIN debit cards different from that of signature debit cards? 1. PIN debit uses a different method to verify the cardholder's identity at the point of sale. 2. PIN debit uses a singlemessaging system in which the clearing information is sent to the issuing bank along with the authorization request. 3. Settlement of PIN debit transactions involves a transfer of funds from the cardholder's bank to the merchant's bank. 2 only 1 and 2 1,2, and 3 1 only