SMART CARD PIN MANAGEMENT VIA AN UNCONNECTED READER
First Claim
1. A personal identification number (PIN) management system operable to change the PIN for a smart card associated with a user, the PIN management system comprising:
- a portal interface, the portal interface in communication with a user, user computer and/or user telephone, the portal interface operable to receive a PIN change request message initiated by the user in conjunction with a smart card and smart card reader, the portal interface operable to receive and send the PIN change request and an associated PIN change response;
a message processor in communication with the portal interface, the message processor operable to interpret and re-build the authorization message as the PIN change request, the message processor further operable to generate the PIN change request; and
a PIN engine in communication with the message processor, the PIN engine operable to receive PIN change information from the PIN change request, the PIN engine further operable to change the PIN and communicate a new PIN to the message processor to generate the PIN command.
4 Assignments
0 Petitions
Accused Products
Abstract
A system of changing the PIN associated with a smart card is described. A user can initiate the PIN change using a personal unwired smart card reader, rather than using a system, such as an ATM machine. The smart card reader, loaded with the smart card provides a cryptogram code, which can contain the user'"'"'s requested new PIN or it can be provided to the issuer via alternative methods. Via various methods the cryptogram code is delivered to the card issuer'"'"'s PIN change management system, including the user transposing the code from smart card reader screen to the card issuer'"'"'s web site or audio DTMF transmission from the smart card reader speaker to the card issuer IVR system. Returned from the issuer, via a similar path, will be a command code that when processed by the smart card reader will result in a PIN change on the smart card.
27 Citations
14 Claims
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1. A personal identification number (PIN) management system operable to change the PIN for a smart card associated with a user, the PIN management system comprising:
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a portal interface, the portal interface in communication with a user, user computer and/or user telephone, the portal interface operable to receive a PIN change request message initiated by the user in conjunction with a smart card and smart card reader, the portal interface operable to receive and send the PIN change request and an associated PIN change response; a message processor in communication with the portal interface, the message processor operable to interpret and re-build the authorization message as the PIN change request, the message processor further operable to generate the PIN change request; and a PIN engine in communication with the message processor, the PIN engine operable to receive PIN change information from the PIN change request, the PIN engine further operable to change the PIN and communicate a new PIN to the message processor to generate the PIN command. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for changing a PIN associated with a smart card, the method comprising:
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a smart card reader receiving a request to change a PIN associated with a smart card; the smart card reader receiving a new PIN; the smart card reader acquiring information from the smart card; the smart card reader creating a payment authorization cryptogram, at least in part, from the information acquired from the smart card and the new PIN, wherein the payment authorization cryptogram is an encoded PIN; the smart card reader sending the payment authorization request to the user in a compacted form; sending the payment authorization request to a PIN management system though a web page; in response to sending the payment authorization request, receiving a compacted PIN change response; sending the PIN change to the smart card reader; the smart card reader interpreting the PIN change response into smart card commands; and the smart card reader commanding the smart card to change the PIN based, at least in part, on information in the PIN change response.
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10. A computer program stored on a computer-readable medium, the computer program embodied in one or more instructions for changing a PIN associated with a smart card, the computer program comprising:
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instructions to receive a payment authorization request from a user, wherein a smart card reader creates the payment authorization request for the user; instructions to authenticate a user associated with the smart card; instructions to extract a new PIN from an amount field of the payment authorization request; instructions to change the PIN associated with the smart card; instructions to generate a PIN change command; and instructions to send the PIN change to the user for communication to the smart card reader. - View Dependent Claims (11, 12, 13, 14)
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Specification