DYNAMIC PIN PAD FOR CREDIT/DEBIT/OTHER ELECTRONIC TRANSACTIONS

摘要

A method for authenticating debit card transactions engaged in by a cardholder on a communications network includes: establishing a network connection with a client being used by the cardholder to engage in a transaction; providing to the client a web page containing a keypad (22) of buttons (24) that collectively define a geometry of the keypad (22), the keypad (22) being employed by the cardholder to enter a PIN via selection of the buttons (24) with a pointing device; obtaining the PIN enter by the cardholder; determining if the PIN is correct for a debit card being used by the cardholder; and for two transactions engaged in by the cardholder, changing a location of the keypad (22) on the web page, the geometry of the keypad (22), a size of the buttons (24) or a spacing between neighboring buttons (24).