摘要 |
<p>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.</p> |
申请人 |
TOTAL SYSTEM SERVICES, INC.;REBIDUE, MATT;JONES II, DONNIS, R.;JAMES, JOANN;GATES, BROOKE;WEEMS, PAT |
发明人 |
REBIDUE, MATT;JONES II, DONNIS, R.;JAMES, JOANN;GATES, BROOKE;WEEMS, PAT |