Patent ID: 7992007
Filing Date: 2011-08-02
Classification: G06Q,G07F

Abstract:
1. A method of authenticating debit card transactions engaged in by a cardholder with a merchant on a communications network, said method comprising: a) establishing a connection over the network to a server of the merchant with a client being used by the cardholder to engage in a transaction on the network; b) providing over the connection to the client a web page containing a program operative to dynamically generate a keypad having a plurality of buttons that collectively define a geometry of the keypad, said plurality of buttons being dynamically generated and said keypad being employed by the cardholder to enter a personal identification number (PIN) via selection of the buttons with a pointing device of the client; c) obtaining over the connection the PIN entered by the cardholder; d) determining if the obtained PIN is correct for a debit card being used by the cardholder to engage in the transaction; e) repeating step a) through d) for each transaction the cardholder engages in on the network; and, f) with respect to two transactions engaged in by the cardholder, changing at least one of a size of at least one of the buttons and a spacing between at least two neighboring buttons by: