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System and method to protect privacy of personal- identification-number entry on consumer mobile device and computing apparatus

A technology of equipment and input terminals, applied in transmission systems, calculations, security devices, etc., can solve problems such as single attack points

Active Publication Date: 2019-08-27
斯追普公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

A disadvantage of these methods is that the PIN layout and the PIN keystroke (also known as the PIN token) occur on the same device and present a single point of attack

Method used

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  • System and method to protect privacy of personal- identification-number entry on consumer mobile device and computing apparatus
  • System and method to protect privacy of personal- identification-number entry on consumer mobile device and computing apparatus
  • System and method to protect privacy of personal- identification-number entry on consumer mobile device and computing apparatus

Examples

Experimental program
Comparison scheme
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Embodiment Construction

[0028] In an exemplary embodiment of the invention, systems and methods are included that display a random PIN layout on a first device and display a random PIN layout on a second device in such a way that the PIN layout and the PIN token never exist on the same device. accepts input from the card holder or account holder (PIN token). Embodiments of the present invention may be used by a merchant to authenticate a merchant's card reader device with a financial services provider, or by a customer to approve a financial transaction.

[0029] figure 1 Shown is the use of separate PIN layouts and PIN tokens. The first device 100 comprises a display 101 displaying a PIN layout 102 . The first device may be a dedicated device for displaying the PIN layout, or a card reader capable of displaying the PIN layout, or any device (including mobile devices) having an appropriate method (such as a special application) to display the PIN layout . The first device may belong to a merchant...

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PUM

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Abstract

A system for accepting the input of a PIN comprises a first device receiving a randomized PIN layout derived on a fourth device. The randomized PIN layout is displayed on a display of the first device. A second device comprises an input for accepting a series of key presses to produce a PIN token. The PIN token indicates each of the series of key presses. A third device is in communication with the second device. The third device derives the randomized PIN layout and receives the PIN token from the second device without the PIN token being present on the first device. The third device combinesthe PIN layout and the PIN token to produce a PIN. The PIN is used to authenticate a transaction. The fourth and third devices each store a shared secret used to independently derive the randomized PIN layout on the fourth and third devices.

Description

technical field [0001] The present invention relates to a system and method for secure PIN entry on devices with insufficient security levels, such as mobile computing devices. Background technique [0002] Electronic payments, money transfers, and banking can be done in a variety of ways. Typically, the transaction requires the use of a payment card, bank card, or virtual card on a mobile device. A user, cardholder or account holder typically interfaces the payment card with a payment terminal or ATM machine. The most common form of security is the PIN (personal identification number). A PIN is a short, numeric or alphanumeric string and is entered by the user as a security measure to verify their identity. This input is typically entered on a mechanical or touch screen keypad or keyboard on the payment terminal. The payment card can be interfaced with the card reader of the payment terminal using magnetic strips, direct electrical contacts, and by using short-range wir...

Claims

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Application Information

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IPC IPC(8): H04L29/06
CPCG07F7/1016G07F7/1041G06Q20/3223G06Q20/3226G06Q20/4012H04L63/083H04L63/0853H04W12/02H04W12/069G06Q20/206
Inventor 蔡怀烜郭慕男卢志华
Owner 斯追普公司