Systems and methods for secure pin-based transactions via a...

Details Systems and methods for secure pin-based transactions via a... Systems and methods for secure pin-based transactions via a...

G - Physics

06

Q

G06Q 20/40 (2012.01) G07F 7/10 (2006.01) H04L 9/32 (2006.01)

Patent

CA 2670470

A method and system for securely verifying over an open network a transaction using a payment card requiring authorization, such as a PIN, to be used. The system utilizes a secure host system to establish two lines of communication between a merchant and a consumer device used by an individual using the payment card. The secure host system provides a verification interface that is presented to the consumer device, providing a means for the individual to provide verification information. The secure host system receives verification information from the consumer device, couples the verification information with card information supplied by a merchant for verification from a third party payment provider. The transaction service provider verifies the transaction without sending the cardholder's actual PIN over the open network.

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