Limited use pin system and method

Details Limited use pin system and method Limited use pin system and method

2007-07-13

2008-11-11

Frech, Karl D (Department: 2887)

Registers

Systems controlled by data bearing records

Credit or identification card systems

C235S379000, C235S381000, C235S382000

Reexamination Certificate

active

07448538

ABSTRACT:
The present invention facilitates transactions by providing a limited use PIN that is associated with a primary account and/or PIN number, wherein the limited use PIN is presented to the merchant to initiate a transaction. More particularly, the system involves the process of registering a user (if not already pre-registered) to participate in a transaction system; generating a limited use PIN and issuing this number to the user, where the user presents this number to a merchant to complete a sales transaction; the merchant processing this limited use PIN, where the number is typically presented to the credit issuer to facilitate authorization. Additionally, the limited use PIN may also carry with it certain limitations-on-use conditions, where the transaction is not authorized unless these conditions are met. In generating a limited use PIN, the issuer generates a random number and associates this number with the user's primary charge account.

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