System and method for conducting secure PIN debit transactions
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United States of America Patent
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Aug 28, 2012
Grant Date -
Aug 25, 2011
app pub date -
Nov 24, 2010
filing date -
Nov 24, 2009
priority date (Note) -
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status (Latency Note)
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Abstract
The invention relates to a system for secure multi-factor authentication using dynamic data, the system including a card reader, and a computer having a display, wherein the card reader is configured to read card information from a data card, provide a scramble code to the computer, receive user input data indicative of user input responsive to a graphical numeric display based on the scramble code, generate PIN data based on the user input data, generate a PIN block including the PIN data and the card information, and transmit the PIN block for authentication.
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