Secure PIN character retrieval and setting using PIN offset masking
US8312288B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Mar 11, 2010 |
| Grant date | Nov 13, 2012 |
| Priority date | — |
| Expiry date | Feb 1, 2031 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F7/1091
- WIPO fieldControl
- WIPO sectorInstruments
Abstract
Securely disclosing a personal identification number (“PIN”) associated with a financial account to an account holder and receiving a new PIN from the account holder. A PIN reveal application can interact with a hardware security module (“HSM”) using a PIN offset masking process and randomly generated account data to reveal the PIN to the account holder one or more PIN characters at a time. A PIN set application also can interact the HSM using a PIN offset masking process and randomly generated account data to receive a new PIN for the account one or more PIN characters at a time. In each of the PIN reveal and PIN setting processes, less than the entirety of the PIN is stored in an unencrypted format outside of the HSM only.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.