METHODS AND SYSTEMS FOR IMPROVING THE SECURITY OF SECRET AUTHENTICATION DATA DURING AUTHENTICATION TRANSACTIONS

摘要

A method for improving the security of secret authentication data during authentication transactions is provided that includes converting the secret authentication data of a user into scrambled secret authentication data by associating a different text-string with each item of information included in the secret authentication data. The method also includes capturing the scrambled secret authentication data with a communications device, and conducting an authentication transaction with the captured authentication data.