PAYMENT APPLICATION PIN DATA SELF-ENCRYPTION

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United States of America Patent

SERIAL NO

12576900

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Abstract

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A system to support the secure transportation a PIN value protected by the cryptographic features inherent in smart payment application, such as those found in EMV smart cards is described. A user can initiate the protection of the PIN using a personal unwired smart card reader, rather than using a system, such as an ATM machine, a utilize the same a smart device when then payment application is based on a smart device. The payment application, provides a cryptogram code, which can contain the user's selected PIN. The cryptogram code is delivered to the card issuer's PIN management system via various methods, including the user transposing the code from payment application host device's screen to the card issuer's website or audio DTMF transmission from the payment application host device's speaker to the card issuer IVR system, or direct communications through the payment application host device.

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Patent Owner(s)

Patent OwnerAddress
DATACARD CORPORATION11111 BREN ROAD WEST MINNEAPOLIS MN 55440

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Maddocks, Ian Milton Keynes, GB 9 65

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