Dynamic pin pad for credit/debit/ other electronic transactions

Details Dynamic pin pad for credit/debit/ other electronic transactions Dynamic pin pad for credit/debit/ other electronic transactions

2011-08-02

2011-08-02

Dada, Beemnet W (Department: 2435)

Electrical computers and digital processing systems: support

System access control based on user identification by...

Solely password entry

Reexamination Certificate

active

07992007

ABSTRACT:
A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network. The method includes: a) establishing a connection over the network with a client being used by the cardholder to engage in a transaction on the network; b) providing over the connection to the client a web page containing a keypad (22) having a plurality 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 of the client; c) obtaining over the connection the PIN enter by the cardholder; d) determining if the obtained PIN is correct for a debit card being used by the cardholder to engage in the transaction; e) repeating step a) through d) for each transaction the cardholder engages in on the network; and, f) with respect to two transactions engaged in by the cardholder, changing at least one of a location of the keypad (22) on the web page, the geometry of the keypad (22), a size of the buttons (24) and a spacing between neighboring buttons (24).

REFERENCES:
patent: 5949348 (1999-09-01), Kapp et al.
patent: 6209104 (2001-03-01), Jalili
patent: 6434702 (2002-08-01), Maddalozzo et al.
patent: 6549194 (2003-04-01), McIntyre et al.
patent: 6718471 (2004-04-01), Kashima
patent: 6720860 (2004-04-01), Narayanaswami
patent: WO 01/18719 (2001-03-01), None
patent: WO 01/18720 (2001-03-01), None
patent: WO 0118719 (2001-03-01), None

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