PERSONAL IDENTIFICATION NUMBER CHANGING SYSTEM AND METHOD
First Claim
1. A chip card interface device (CCID) configured for communicating with a chip card issued by an issuing bank and having an embedded processing device connected with an embedded memory device and carried by a cardholder, the chip card interface device configured for authenticating and changing a personal identification number (PIN) stored in the memory device of the chip card, the chip card interface device comprising:
- a PIN entry device (PED) configured for receiving a cardholder current PIN and a cardholder desired new PIN;
a chip card input/output device configured for communicating a verify command to the chip card including data corresponding to the received cardholder current PIN, the chip card input/output device also configured for receiving a verification message from the chip card indicating that authentication of the cardholder current PIN was successful; and
a network communication device configured for communicating the cardholder desired new PIN to a host and across a network to a backend system maintained by the issuing bank and configured for receiving a PIN change script from the backend system and forwarding the PIN change script to the chip card.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are provided for enabling a cardholder to authenticate and change a current PIN associated with a chip card using a chip card interface device (CCID) having a chip card input/output device configured for interacting with the chip card. A PIN entry device receives from the cardholder a current PIN, which is communicated to the chip card along with a verify command. The chip card compares the current PIN input by the cardholder with the PIN stored on the chip card. If the cardholder input is verified, the cardholder can input a desired new PIN. The CCID then communicates a locked PIN through a host to the issuing bank'"'"'s backend system, which unlocks the PIN and stores the desired PIN. The backend system then creates a PIN change script including the new PIN and communicates the script to the chip card over the network. The chip card runs the script, which instructs the chip card to store the new PIN in place of the previous PIN.
26 Citations
38 Claims
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1. A chip card interface device (CCID) configured for communicating with a chip card issued by an issuing bank and having an embedded processing device connected with an embedded memory device and carried by a cardholder, the chip card interface device configured for authenticating and changing a personal identification number (PIN) stored in the memory device of the chip card, the chip card interface device comprising:
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a PIN entry device (PED) configured for receiving a cardholder current PIN and a cardholder desired new PIN; a chip card input/output device configured for communicating a verify command to the chip card including data corresponding to the received cardholder current PIN, the chip card input/output device also configured for receiving a verification message from the chip card indicating that authentication of the cardholder current PIN was successful; and a network communication device configured for communicating the cardholder desired new PIN to a host and across a network to a backend system maintained by the issuing bank and configured for receiving a PIN change script from the backend system and forwarding the PIN change script to the chip card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for communicating with a chip card issued by an issuing bank, associated with an account, and having an embedded processing device and an embedded memory device and carried by a cardholder, the method also for authenticating and changing a personal identification number (PIN) stored in the memory device of the chip card using a chip card interface device (CCID), the method comprising:
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receiving a cardholder current PIN and a cardholder desired PIN; communicating the cardholder current PIN to the chip card along with a command to verify the authenticity of the cardholder current PIN; communicating the cardholder desired PIN to a backend system maintained by the issuing bank; and receiving and forwarding a PIN change script from the backend system to the chip card. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. An apparatus for communicating with a chip card issued by an issuing bank, associated with an account, and having an embedded processing device and an embedded memory device and carried by a cardholder and also for authenticating and changing a personal identification number (PIN) stored in the memory device of the chip card, the apparatus comprising:
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means for receiving a cardholder current PIN and a cardholder desired PIN; means for communicating the cardholder current PIN to the chip card along with a command to verify the authenticity of the cardholder current PIN; means for communicating the cardholder desired PIN to a backend system maintained by the issuing bank; and means for receiving and forwarding a PIN change script from the backend system to the chip card.
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25. A computer program product comprising a non-transitory computer-readable medium comprising computer-readable instructions for execution by a chip card interface device (CCID), the instructions for communicating with a chip card having an embedded processing device and an embedded memory device and carried by a cardholder, the instructions for authenticating and changing a personal identification number (PIN) stored in the memory device of the chip card, the instructions comprising:
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instructions for receiving a cardholder current PIN and a cardholder desired PIN; instructions for communicating the cardholder current PIN to the chip card along with a command to verify the authenticity of the cardholder current PIN; instructions for communicating the cardholder desired PIN to a backend system maintained by the issuing bank; and instructions for receiving and forwarding a PIN change script from the backend system to the chip card. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35)
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36. A system configured for communicating with a chip card issued by an issuing bank, the chip card having an embedded processing device connected with an embedded memory device and carried by a cardholder, the system configured for authenticating and changing a personal identification number (PIN) stored in the memory device of the chip card, the system comprising:
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a host configured for interacting with the cardholder and communicating across a network; a chip card interface device configured for communicating with the host and the chip card, the chip card interface device comprising; a PIN entry device (PED) configured for receiving a cardholder current PIN and a cardholder desired new PIN; a chip card input/output device configured for communicating a verify command to the chip card including data corresponding to the received cardholder current PIN, the chip card input/output device also configured for receiving a verification message from the chip card indicating that authentication of the cardholder current PIN was successful; and a network communication device configured for communicating the cardholder desired new PIN to the host and across the network. - View Dependent Claims (37, 38)
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Specification