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System and method for protecting the privacy of personal identification number entry on consumer mobile devices and computing devices

A device and input technology, applied in the field of PIN input, which can solve problems such as a single attack point

Active Publication Date: 2022-08-05
STRIPE INC
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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 for protecting the privacy of personal identification number entry on consumer mobile devices and computing devices
  • System and method for protecting the privacy of personal identification number entry on consumer mobile devices and computing devices
  • System and method for protecting the privacy of personal identification number entry on consumer mobile devices and computing devices

Examples

Experimental program
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Embodiment Construction

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

[0029] figure 1 The use of separate PIN layouts and PIN tokens is shown. The first device 100 includes 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 that can display the PIN layout, or any device (including mobile devices) that has a suitable method (eg a special application) to display the PIN layout . The first device may belong to a merchant or an account holder. The second dev...

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PUM

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Abstract

A system for receiving PIN input, which includes the first device, which receives the random PIN layout exported on the fourth device.The random PIN layout is displayed on the display of the first device.The second device includes the input terminal to accept a series of keys to generate the PIN token.The PIN token indicates every series of key presses.The third device communicates with the second device.The third device exports the random PIN layout and receives the PIN token card from the second device, which does not exist on the first device.The PIN layout and the PIN token card of the third device portfolio are generated to generate PIN.PIN is used to verify transactions.Each storage sharing secret in the fourth device and the third device. The sharing secret is used to independently guide the random PIN layout on the fourth device and the third device.

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, transfers and banking can be done in various ways. Often, transactions require the use of payment cards, bank cards, or virtual cards on mobile devices. The user, card holder or account holder typically interfaces the payment card with a payment terminal or ATM machine. The most common form of security is a PIN (personal identification number). A PIN is a short, numeric or alpha numeric string and is entered by the user as a security measure to verify their identity. This input is typically entered into a mechanical or touch screen keypad or keyboard on the payment terminal. The payment card can be interfaced with the reader of the payment terminal using magnetic strips, direct electrical contacts, and by using short-range wireless protocols such ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04L9/40H04W12/02H04W12/069G06Q20/40G06Q20/32G07F7/10
CPCG07F7/1016G07F7/1041G06Q20/3223G06Q20/3226G06Q20/4012H04L63/083H04L63/0853H04W12/02H04W12/069G06Q20/206
Inventor 蔡怀烜郭慕男卢志华
Owner STRIPE INC