Patent ID: 8255335

Claim:
A system for selecting a personal identification number (PIN) for a financial account card, the system comprising at least one subsystem to: engage in a remote session with a customer processing device through a network, the customer processing device including an electronic device of a customer; receive a selection of creation of a new financial account through the network from the customer processing device during the remote session, the new financial account being associated with a financial account card provided by a membership organization, wherein the customer is a member of the membership organization; transmit a pin selection prompt to the customer processing device through the network to select a PIN to associate with the financial account card during the remote session; receive a pin association request through the network from the customer processing device in response to transmission of the pin selection prompt, the PIN from the customer during the remote session pin association request including the PIN, and a direction to associate the PIN with the financial account card and the new financial account; and transmit the PIN from the membership organization to a third party, wherein the third party authorizes a customer transaction on behalf of the membership organization, the third party transfers funds associated with the customer transaction on behalf of the membership organization, and the customer transaction utilizes the financial account card provided by the membership organization, wherein the provider has not sent the financial account card to the customer.