The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 22, 2013
Filed:
Mar. 01, 2010
Robert W. Seaton, Jr., Austin, TX (US);
Terence Spielman, Austin, TX (US);
Penny Cornwell, Austin, TX (US);
Neal Blackwood, Austin, TX (US);
Michael T. Clay, Austin, TX (US);
Robert W. Seaton, Jr., Austin, TX (US);
Terence Spielman, Austin, TX (US);
Penny Cornwell, Austin, TX (US);
Neal Blackwood, Austin, TX (US);
Michael T. Clay, Austin, TX (US);
Visa U.S.A. Inc., San Francisco, CA (US);
Abstract
A system and method configured to provide secure Personal Identification Number (PIN) based authentication is disclosed. A passcode or PIN associated with a customer value card can be securely authenticated by an issuer prior to authorizing payment. An Access Control Server (ACS) can receive the PIN or passcode from a customer via a secure connection over a public network. The ACS can generate an encrypted PIN and can communicate the encrypted PIN to a remote issuer for authentication. The ACS can use one or more hardware security modules to generate the encrypted PIN. The hardware security modules can be emulated in software or implemented in hardware. The system can be configured such that the PIN is not exposed in an unencrypted form in a communication link or in hardware other than the originating customer terminal.