System and method to enhance pin security by adding hidden factors

A system to enhance Personal Identification Number (PIN) security with hidden factors, the system comprising:

• one or more processors and memory operatively coupled to the one or more processors, wherein the memory includes computer instructions which when executed by the one or more processors causes the one or more processors to implement:
• a client agent for a touchscreen or keypad that handles display layout, detects and tracks a finger movement on the touchscreen, and collects an input entry of a PIN from the finger movement based on the hidden factors that configure use of the touchscreen or keypad, where the input entry consists of the PIN that was entered, and information on how the PIN was entered, and
• a server agent communicatively coupled to the client agent that receives the input entry for the PIN, and validates the PIN that was entered in view of the information on how the PIN was entered based on a policy configuration for the hidden factors for the input entry on said touchscreen or keypad,
• wherein the server agent
• revises a determination of the PIN that was entered in view of the information on how the PIN was entered according to the policy for the hidden factors to produce a revised PIN;
• presents the revised PIN as an actual PIN, and validates the actual PIN in place of the PIN that was entered,
• whereby previously captured user interaction of the hidden factors establishes how the user enters characters of the PIN within personalization bounds.