Techniques for processing pin-inclusive transactions in connection with an electronic device
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United States of America Patent
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Jul 21, 2020
Grant Date -
May 14, 2015
app pub date -
Sep 9, 2014
filing date -
Sep 9, 2013
priority date (Note) -
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Abstract
Certain exemplary embodiments relate to techniques for processing PIN-inclusive transactions in connection with an electronic device or terminal, e.g., where PIN code encryption keys are not necessarily stored on the electronic device or terminal, and/or where payment instrument data is maintained in a separate system from PIN code data at least until certain elements are combined in a highly secure system for submission to an electronic funds transfer network. One or more separate or physically separated systems may be used in this regard, e.g., taking advantage of more prevalent computer networks such as the Internet. Similarly, the ability to provide less expensive terminals or electronic devices at a point-of-sale, point-of-purchase, etc., may be advantageous. The interchange rate is not necessarily driven up in certain example instances.
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