Pin protection for portable payment devices
US8620824B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | May 23, 2011 |
| Grant date | Dec 31, 2013 |
| Priority date | — |
| Expiry date | Jul 29, 2031 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L2209/80
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
A method and system of encrypting a Personal Identification Number (PIN) using a portable payment device includes a portable payment device in communication with a network and a payment processor, and may be configured to receive a first encryption key from the payment processor, to receive a PIN, to encrypt the PIN using the first key, and to provide the encrypted PIN to the payment processor in a form useable to process a payment authorization message or transaction request. The first key may be protected by cryptographic camouflaging using a password. The password may be received by the device and used to decamouflage the first key, and the decamouflaged first key may be used to encrypt the PIN. In one configuration, the first key may be a symmetric key, such that a PIN encrypted by the first key may be of a standard format usable in existing payment systems.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.