公开(公告)号：US20090055323A1

公开(公告)日：2009-02-26

申请号：US11894896

申请日：2007-08-22

申请人： Matt Rebidue ,  Pat Weems ,  JoAnn James ,  Donnis Jones ,  Brooke Gates

发明人： Matt Rebidue ,  Pat Weems ,  JoAnn James ,  Donnis Jones ,  Brooke Gates

IPC分类号： G06Q30/00

CPC分类号： G07F7/1008 ,  G06Q20/105 ,  G06Q20/3552 ,  G06Q20/3672 ,  G06Q20/40 ,  G07F7/088 ,  G07F7/1025

摘要： Allowing an account holder for a newly-established financial card account to establish a PIN at the time the financial card account is opened and use that PIN to authenticate transactions at the time the account is opened. The systems and methods may include a POS device that securely captures and encrypts a custom PIN, that is, a PIN supplied by the customer for a new financial card account. The systems and methods would also include a transaction processing system that receives an encrypted PIN, along with customer information about a new financial card account, and processes that information and encrypted PIN to establish a new account. As a result of this processing, an authorization platform would receive information necessary to authenticate a user and authorize a transaction. Through these systems and methods, a customer would be able to use the custom PIN to authenticate a transaction at the time the new account is opened.

摘要翻译： 允许新成立的金融卡账户的账户持有人在开立金融卡账户时建立PIN，并在账户开立时使用该PIN进行身份验证。 系统和方法可以包括安全地捕获和加密自定义PIN的POS设备，即客户为新的金融卡帐户提供的PIN。 这些系统和方法还将包括一个交易处理系统，它接收加密的PIN以及关于新的金融卡账户的客户信息，并且处理该信息和加密的PIN以建立新的账户。 作为该处理的结果，授权平台将接收认证用户并授权交易所需的信息。 通过这些系统和方法，客户将能够使用自定义PIN码在新帐户打开时验证交易。