A system and method configured to provide secure Personal Identification Number (PIN) based authentication is disclosed. A passcode or PIN associated with a customer value card can be securely authenticated by an issuer prior to authorizing payment. An Access Control Server (ACS) can receive the PIN...http://www.google.co.uk/patents/US20050036611?utm_source=gb-gplus-sharePatent US20050036611 - Method and system for secure authentication
