Patent ID: 9324076
Filing Date: 2016-04-26
CPC Classification: G06Q,G07F

Claim Text:
1. A method for establishing a user-selected PIN to be associated with an identifier and to be stored at a host computer, and to be subsequently used to authenticate transactions conducted by the user, wherein the host computer includes a database that stores PINs in encrypted form, the method comprising: receiving, at the host computer, a user-selected PIN that has been captured from a user at an input device; creating and encrypting a plurality of base PINs at the host computer, each of the encrypted base PINs corresponding to one of a plurality of all possible permitted PINs for selection by the user, and each of the encrypted base PINs created using a single, same base number; selecting, from the plurality of encrypted base PINs, an encrypted base PIN at the host computer corresponding to the captured user-selected PIN; using the identifier to convert the selected encrypted base PIN to a final encrypted PIN; and storing the final encrypted PIN in the database of the host computer in association with the identifier, for subsequent use in authenticating transactions.