System and method to establish a pin

• US 8,620,825 B1
• Filed: 08/28/2012
• Issued: 12/31/2013
• Est. Priority Date: 04/11/2007
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Barth, Ryan R., Tavares, Felicia
• Primary Examiner(s): Reagan, James A
• Application Number:
  US13/596,845
• Time in Patent Office: 490 Days
• Field of Search: 705/72
• US Class Current: 705/72
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.

Claims

1. A system for selecting a personal identification number (PIN), the system comprising at least one subsystem to:

receive, during a remote session, an indication from a customer of an organization to create a new financial account associated with a financial account card;

receive a PIN from the customer during the remote session, the PIN being associated with the financial account card; and

transmit the PIN from the organization to a third party to authorize a customer transaction and to transfer funds associated with the customer transaction, wherein the customer transaction utilizes the financial account card.

2. The system of claim 1, further comprising at least one subsystem to:

prompt the customer for verification information.

3. The system of claim 2, wherein the verification information includes a customer number.

4. The system of claim 3, wherein the customer number includes a name of the customer.

5. The system of claim 3, wherein the customer number includes a social security number of the customer.

6. The system of claim 1, further comprising at least one subsystem to:

prompt the customer for a password.

7. The system of claim 6, wherein the organization the password has a compulsory change schedule.

8. A computer-readable storage medium having instructions stored thereon that are executed by a processor to:

receive, during a remote session, an indication from a customer of an organization to create a new financial account associated with a financial account card;

receive a PIN from the customer during the remote session, the PIN being associated with the financial account card; and

transmit the PIN from the organization to a third party to authorize a customer transaction that utilizes the financial account card, wherein the financial account card has not been sent to the customer.

9. The computer-readable medium of claim 8, wherein the remote session utilizes a web site.

10. The computer-readable medium of claim 8, including instructions stored thereon that are executed by a processor to provide an account summary to the customer.

11. The computer-readable medium of claim 8, including instructions stored thereon that are executed by a processor to prompt the customer to select a type of financial account to be created.

12. The computer-readable medium of claim 11, wherein the type of financial account to be created is selected from the group consisting of a saving account, a checking account, and a credit card account.

13. The computer-readable medium of claim 8, wherein the type of financial account to be created is associated with a customer rewards program.

14. The computer-readable medium of claim 8, including instructions stored thereon that are executed by a processor to prompt the customer to establish the PIN at enrollment or at activation of the financial account card.

15. A method comprising:

receiving, during a remote session, an indication from a customer of an organization to create a new financial account associated with a financial account card;

receiving a PIN from the customer during the remote session, the PIN being associated with the financial account card; and

transmitting the PIN from the organization to a third party to authorize a customer transaction and to transfer funds associated with the customer transaction, wherein the customer transaction utilizes the financial account card and the financial account card has not been sent to the customer.

16. The method of claim 15, further comprising providing a field to confirm the PIN.

17. The method of claim 16, further comprising receiving a confirmation of the PIN.

18. The method of claim 15, further comprising providing the customer with an expected delivery time of the financial account card.

19. The method of claim 15, further comprising storing the PIN in a PIN database.

20. The method of claim 15, further comprising providing the financial account card to the customer.