Patent ID: 7636694

Claim:
A method for generating identification data comprising: selecting by a first computer an ATM PIN from a plurality of ATM PINs; selecting by the first computer an account number corresponding to the selected ATM PIN; selecting by the first computer a BIN corresponding to the selected account number; selecting by the first computer a key corresponding to the BIN; generating by the first computer an electronic commerce PIN using the selected key, the ATM PIN and the account number; receiving the electronic commerce PIN and transaction information corresponding to the electronic commerce PIN from a second computer; selecting a conversion key by the first computer based on said transaction information; deriving the ATM PIN by the first computer using the conversion key, the electronic commerce PIN and the account number; verifying the ATM PIN by the first computer; encrypting the derived ATM PIN by the first computer and transmitting the encrypted ATM PIN and the transaction information to a third computer specific to the selected BIN.