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1 US2011087591A1
Personalization Data Creation or Modification Systems and Methods
Publication/Patent Number: US2011087591A1 Publication Date: 2011-04-14 Application Number: 12/575,710 Filing Date: 2009-10-08 Inventor: Barnett, Tim   Bahl, Ashish   Sheth, Nandan S.   Assignee: Barnett, Tim   Bahl, Ashish   Sheth, Nandan S.   IPC: G06Q40/00 Abstract: The present disclosure has a merchant computing device communicatively coupled to a customer computing device via a network and a transaction computing device securely coupled to the merchant computing device and coupled to a debit network. In addition, the present disclosure has logic configured to enable a user of the customer computing device to modify personalization data stored on the transaction computing device based upon an approval obtained via the debit network during a transaction with the merchant computing device. In addition, the personalization data comprises a phrase and an image and the logic is further configured to display the phrase and the image to the user when the user performs a transaction with the transaction computing device. The present disclosure has a merchant computing device communicatively coupled to a customer computing device via a network and a transaction computing device securely coupled to the merchant computing device and coupled to a debit network. In addition, the present disclosure ...More ...Less
2 US2009327114A1
Systems and Methods For Secure Pin-Based Transactions Via a Host Based Pin Pad
Publication/Patent Number: US2009327114A1 Publication Date: 2009-12-31 Application Number: 12/164,837 Filing Date: 2008-06-30 Inventor: Sheth, Nandan S.   Bahl, Ashish   Assignee: Sheth, Nandan S.   Bahl, Ashish   IPC: G06Q20/00 Abstract: A method and system for securely verifying over an open network a transaction using a payment card requiring authorization, such as a PIN, to be used. The system utilizes a secure host system to establish two lines of communication between a merchant and a consumer device used by an individual using the payment card. The secure host system provides a verification interface that is presented to the consumer device, providing a means for the individual to provide verification information. The secure host system receives verification information from the consumer device, couples the verification information with card information supplied by a merchant for verification from a third party payment provider. The transaction service provider verifies the transaction without sending the cardholder's actual PIN over the open network. A method and system for securely verifying over an open network a transaction using a payment card requiring authorization, such as a PIN, to be used. The system utilizes a secure host system to establish two lines of communication between a merchant and a consumer device used ...More ...Less