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Password protection method for internet banking and ATM,...,etc Disclosure Number: IPCOM000021134D
Original Publication Date: 2003-Dec-26
Included in the Prior Art Database: 2003-Dec-26
Document File: 2 page(s) / 18K

Publishing Venue



Internet banking, ATM, whenever you enter your account name in these system, you are prompted to insert password, mostly 4 digit numbers. It is very easy to steal the account name and password in such usage and the crimes associated with this are reported on media frequently. This invention discloses the way to prevent password from being stolen easily. Everytime an end-user enters the account number, the main bank computer responds and gives some digits and instruction about how these digits are to be typed and mixed with password. The instruction and digits are different at every access. So, even if the history of the typing is stolen by some mean, it is hard to steal password because the meaningless numbers are included in the history.

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Password protection method for internet banking and ATM,...,etc

The figure below explains how this invention is used. ATM, PC are connected to a computer in BANK via network. As soon as an end-user enters an account, he/she receives instruction and some digits which are to be typed in along with password following the instruction. Here is the detailed description. As indicated in fugure 1, main computer in bank, using random number generator, sends information to end user, which contains how to enter the password and random number.. In figure 1, main bank computer instructs to type 4 digits password at 2,3,8 and 9th column. Other column, 1,4,5,6,7 are "dummy column". There is 2 options on what digits are typed in these 1,4,5,6,7 columns.
(1) Main bank computer gives the digits for these column. End-user has to type in these digits.
(2) End-user can type any number in these "dummy column".

With this way of interaction between customer and BANK, even if the typing history is stolen, it is difficult to find out
what digits the password is..


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Main computer in bank headquarter




Fig.1 Redundant random digits are mixed with password at ATM, PC


2,3,8,9 column expect password to be typed. Any key to be typed in other column.

1 2 3 4 5 6 7 8 9

3 917


2,3,8,9 column expect password to be typed. Any key can be typed in other column.

Instruction is displayed

1 2 3 4 5 6 7 8 9

Display the redundant digits and password

Display both password an...