System and method for acquisition and encoding of ATM card data

US5132521A · kind A · utility

Inventors

• Charles M. Smith · Lombard, US
• DeWitt A. Bennett · Franklin, US
• Brenda J. Johnson · Nashville, US
• Edward A. Rappuhn · Nashville, US
• William S. Dinker · Franklin, US

Key dates

• Filing date: Sep 15, 1989
• Grant date: Jul 21, 1992
• Expiry date: Sep 15, 2009

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/10
• WIPO field: Control
• WIPO sector: Instruments

Abstract

A system and method which allows an individual customer to select his or her own personal identification number for an ATM card through use of a telephone line. The system generally comprises a voice response unit linked to both existing telephone networks and a card encoding/embossing unit. The voice response unit is interactive to allow the acquisition and storage of data to be encoded. The system voice prompts, stores, and voice confirms the client identification data and transaction order number to the customer representative. The system then voice prompts, stores, and voice confirms to the customer his or her chosen PIN outside the range of perception of the customer representative. The system receives the requested PIN and combines it with the existing client data base. The system generates the initial encoding data and enters the data into the database. The appropriate transaction order number in the voice response unit is located, and the selected PIN is accessed. The PIN is incorporated into the encoding database using the existing client PIN encryption algorithm to calculate the PIN offset. The encoding data base is transmitted to the card embossing the encoding machine f…