Systems and Methods For Secure Pin-Based Transactions Via a Host Based Pin Pad
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United States of America Patent
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N/A
Issued Date -
Dec 31, 2009
app pub date -
Jun 30, 2008
filing date -
Jun 30, 2008
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A method and system for securely verifying over an open network a transaction using a payment card requiring authorization, such as a PIN, to be used. The system utilizes a secure host system to establish two lines of communication between a merchant and a consumer device used by an individual using the payment card. The secure host system provides a verification interface that is presented to the consumer device, providing a means for the individual to provide verification information. The secure host system receives verification information from the consumer device, couples the verification information with card information supplied by a merchant for verification from a third party payment provider. The transaction service provider verifies the transaction without sending the cardholder's actual PIN over the open network.
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