So if you're actually trying to break into people's accounts, it would be advantageous to know your victims' ethnicity. It's quite likely that cards stolen in Koreatown will have a different distribution of PIN numbers than those stolen in Chinatown.
You could argue one thousand four is actually easier to misinterpret because it could easily (although incorrectly) be read to mean "one thousand fours."
100 2/3 - One hundred and two-thirds.
102/3 - One hundred two over three.
100 2/3 - one hundred ... and two thirds
102/3 - one hundred and two ... thirds
Alternatively, use "plus" instead of "and" in the first case.
Just to make it worse for you: why don't people also pronounce 1492 as "one thousand and four hundred and ninety and two"?