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Browse Prior Art Database

Variable Personal Identification Number for Personal Banking Machine

IP.com Disclosure Number: IPCOM000036599D
Original Publication Date: 1989-Oct-01
Included in the Prior Art Database: 2005-Jan-29
Document File: 3 page(s) / 47K

Publishing Venue

IBM

Related People

Laubsch, G: AUTHOR

Abstract

Personal banking machines often have keyboards which are positioned such that an unauthorized person standing on the right or left may easily watch the entry of the personal identification number (PIN). If such a person also gets into possession of the eurocheque or credit card, he is able to withdraw cash, unless the account is blocked. There are also situations where a card is used by a thief only temporarily for the purpose of copying it and withdrawing small amounts of cash unnoticed over longer periods of time. To avoid this, many account holders/customers are reluctant to use banking machines.

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Variable Personal Identification Number for Personal Banking Machine

Personal banking machines often have keyboards which are positioned such that an unauthorized person standing on the right or left may easily watch the entry of the personal identification number (PIN). If such a person also gets into possession of the eurocheque or credit card, he is able to withdraw cash, unless the account is blocked. There are also situations where a card is used by a thief only temporarily for the purpose of copying it and withdrawing small amounts of cash unnoticed over longer periods of time. To avoid this, many account holders/customers are reluctant to use banking machines.

Existing systems have the disadvantage that the PIN is a 4-digit constant. Compared with such a constant PIN, the PIN proposed in this article is variable and changes in response to each transaction. An embodiment of a system comprising a variable PIN is described below and may be used wherever personal identification is required to access an account.

On the screen of the banking machine a 3 x 3 matrix is displayed in which each digit (1 to 9) is contained only once. This matrix is generated by a random pattern generator and changed in response to each transaction. The account holder/customer knows that a particular matrix position contains a digit which must be inserted at a particular position of his PIN. Example: The customer is assigned the following PIN 2X47 0 0 0

0 0 0

0 X 0

In response to a customer request for a cash transaction, the following matrix is displayed 1 5 2

7 4 8

3 6 9

so that in this case the correct PIN is 2647.

The probability of a eurocheque card protected by the existing 4-digit...