DK9200057U3

DK9200057U3 - Pin-code-remember

Info

Publication number: DK9200057U3
Application number: DK9200057U
Authority: DK
Inventors: Jan Hayden-Jensen
Original assignee: Pbs
Priority date: 1992-07-28
Filing date: 1992-07-28
Publication date: 1993-02-12

Description

2 2DK 92 00057 032 2DK 92 00057 03

Det tekniske problem, der løsesThe technical problem that is solved

Behovet for en autoriseret måde at opbevare PIN-koden på er i de seneste år blevet stadigt stigende, idet den enkelte kortindehaver ofte er i besiddelse af flere kort med PIN-koder, ofte op til 4-5 stykker.In recent years, the need for an authorized way of storing the PIN code has been steadily increasing, with each card holder often holding several cards with PIN codes, often up to 4-5 pieces.

De uautoriserede metoder, kortindehaverne hidtil har benyttet sig af, har givet problemer i relation til ansvarsbestemmelserne i §21 i lov om betalingskort. Ved at benytte PIN-kode-huskeren vil kortindehaver ikke kunne undgå at skulle betale den såkaldte selvrisiko på kr. 1.200, hvis en uberettiget misbruger kortet og den tilhørende PIN-kode. Kortindehavere vil dog ved at bruge PIN-kode-huskeren i størsteparten af tilfældene kunne undgå at skulle hæfte for op til kr. 8.000, jf. betalingskortlovens §21, stk. 3.The unauthorized methods used to date by the cardholders have caused problems in relation to the liability provisions in section 21 of the Payment Card Act. By using the PIN code reminder, the cardholder will not be able to avoid having to pay the so-called deductible of DKK 1,200 if an unjustified person misuses the card and the associated PIN code. However, card holders will be able to avoid having to pay up to DKK 8,000 by using the PIN code remover in most cases, cf. section 21 (1) of the Payment Card Act. Third

Den nye teknikThe new technique

Det nye ved frembringelsen udgøres af, at kortindehaveren i stedet for at skulle huske én eller flere PIN-koder nu blot skal huske et mønster, han selv har valgt.The new thing about the creation is that instead of having to remember one or more PINs, the cardholder simply has to remember a pattern of his choice.

PIN-kode-huskeren er et lille papkort på størrelse med et betalingskort. PIN-kode-huskeren består af 40 felter i 4 forskellige farver, nemlig grøn, blå, rød og gul.The PIN code reminder is a small card-sized card with a debit card. The PIN code reminder consists of 40 fields in 4 different colors, namely green, blue, red and yellow.

Kortindehaver udvælger 4 af de farvede felter i et mønster, som han altid kan huske, og skriver sin PIN-kode i de 4 pågældende felter. Resten af de farvede felter skal udfyldes med vilkårlige tal fra 0-9. Dette bevirker, at PIN-koden kamoufleres, så det kun er kortindehaver, som ved, hvilke 4 felter hans PIN-kode står i. Alle tal fra 0-9 skal optræde 4 gange på kortet, når kortindehaver er færdig med at udfylde dette. Alle tal skal skrives ens og med samme pen, og felterne, hvor PIN-koden står, må aldrig markeres.The cardholder selects 4 of the colored fields in a pattern that he can always remember, and writes his PIN in the 4 fields concerned. The rest of the colored fields must be filled in with random numbers from 0-9. This causes the PIN to be camouflaged so that only the cardholder knows which 4 fields his PIN is in. All numbers from 0-9 must appear 4 times on the card when the cardholder has completed this. All numbers must be written in the same pen with the same pen, and the fields where the PIN code is located must never be marked.

Claims

DK 92 00057 U3 The security consists in the fact that only the cardholder knows what pattern the PIN code is in. The technical effect / figure list The cardholder can keep the PIN-codeholder near his payment card, typically in the wallet, so he can always resort to PIN code reminder if it is difficult to remember the PIN code. ./. An image of the PIN code reminder and instructions for using it are given in the enclosed appendix. Both sides of the PIN code reminder can be used. Embodiment Examples As shown in the appendix, the colored fields are distributed in such a way that there is no obvious pattern to enter the PIN code. The risk of an abuser guessing the code is extremely minimal, provided that the PIN -code-reminder is filled in correctly. The generation relates to a PIN code reminder used by cardholders to store PINs for all types of debit cards. To date, the banking sector has been unable to refer cardholders who could not remember their PIN to an authorized storage method. DK 92 00057 03 The creation is new in that, instead of having to remember one or more PINs, the cardholder now simply has to remember a pattern he has chosen himself. The PIN code is thus hidden from anyone other than the cardholder, who is the only one who knows the pattern.