System and methods for processing PIN-authenticated transactions

• US 20040044739A1
• Filed: 10/04/2002
• Published: 03/04/2004
• Est. Priority Date: 09/04/2002
• Status: Abandoned Application

• Current Assignee: Accullink Incorporated (Fiserv Incorporated)
• Original Assignee: Accullink Incorporated (Fiserv Incorporated)
• Inventors: Ziegler, Robert
• Application Number:
  US10/264,762
• Publication Number:
  US 20040044739A1
• Time in Patent Office: Days
• US Class Current: 709/213
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 7/0826 Embedded security module
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources

Abstract

A PIN authenticated transaction is performed by collecting representational data from a terminal. The representational data is then transmitted from the terminal to a PIN processor where the representational data is processed to generate a PIN. The transaction is then authenticated using the generated PIN.

Claims

1. A method of performing a PIN authenticated transaction comprising the steps of:

collecting representational data from a terminal;

transmitting the representational data from the terminal to a PIN processor;

processing the representational data to generate a PIN; and

authenticating a transaction using said PIN.

2. The method of claim 1, wherein said terminal is a computer

3. The method of claim 1, wherein said step of transmitting is performed via a network connection.

4. The method of claim 3, wherein said network connection is an open network connection.

5. The method of claim 4, wherein said open network connection is an Internet connection.

6. The method of claim 1, wherein said transaction is a financial transaction.

7. The method of claim 6, wherein said financial transaction is an ATM/Debit transaction.

8. The system of claim 1, wherein said representational data is collected using a mouse interface.

9. The system of claim 1, wherein said representational data is collected using a graphical display of a randomized keypad.

10. A system for performing PIN-authenticated transactions comprising:

a terminal;

a network communicably connected to the terminal;

a secure server communicably connected to the network;

wherein representational data is collected at the terminal, transmitted via the network to the secure server and the secure server processes the representational data to generate a PIN used to authenticate a transaction.

11. The system of claim 10, wherein said terminal is a computer.

12. The system of claim 10, wherein said network is an open network.

13. The system of claim 12, wherein said open network is the Internet.

14. The system of claim 10, wherein said transaction is a financial transaction.

15. The system of claim 14, wherein said financial transaction is an ATM/Debit transaction.

16. The system of claim 10, wherein said representational data is collected using a mouse interface.

17. The system of claim 10, wherein said representational data is collected using a graphical display of a randomized keypad.