Patent ID: 7774076
Filing Date: 2010-08-10
Classification: G06Q,G07F

Abstract:
1. A system for validating transactions that are conducted against accounts using a presentation instrument, where a customer may be required to provide an authentication PIN in order to complete a transaction, the system comprising: a memory for storing, in relation to an account, a post-transaction PIN that is separate from the authentication PIN, wherein the post-transaction PIN was previously supplied by the customer when enrolling for a service requiring entry of the post-transaction PIN in addition to the authentication PIN, wherein the entry of the post-transaction PIN is necessitated under a certain condition where the transaction is a suspect transaction; a customer device for receiving a message requesting the customer to enter the post-transaction PIN when a previously conducted transaction has been identified as meeting the certain condition, wherein the previously conducted transaction comprises transaction details, including the authentication PIN, that were previously supplied by the customer when initiating the transaction; and a processor for receiving the post-transaction PIN entered by the customer and for receiving the post-transaction PIN stored in the database, and for determining if the entered post-transaction PIN matches the stored post-transaction PIN when the entered post-transaction PIN matches the stored post-transaction PIN; and transmitting a message indicative of the match of the entered post-transaction PIN and the stored post-transaction PIN that were supplied by the same customer.