Personalization Data Creation or Modification Systems and Methods

A method, comprising:

• communicatively coupling a customer computing device to a merchant computing device via a network;
• securely coupling the merchant computing device to a transaction computing device;
• coupling the transaction computing device to a debit network;
• and
• enabling a user of the customer computing device to modify personalization data stored on the transaction computing device based upon an approval obtained via the debit network during a transaction with the merchant computing device.

A method, comprising:

• receiving commercial transaction data form a merchant computing device via a secured connection, the commercial transaction data comprising a primary account number (PAN) of a user associated with a commercial transaction;
• transmitting a request for a personal identification number (PIN) of the user in response to the commercial transaction data;
• receiving the PIN;
• transmitting a debit transaction via a debit electronic financial transaction (debit EFT) network, the debit transaction comprising the PAN and the PIN;
• receiving a response via the EFT network indicating whether the debit transaction is approved;
• authenticating the user based on the response if the response indicates that the debit transaction is approved;
• allowing, based on the authenticating, the user to define personalized data for use in future commercial transactions if the user is authenticated;
• storing the personalized data in memory;
• transmitting a request for sensitive information of the user;
• and
• correlating the request for sensitive information with the personalized data such that the personalized data is displayed to the user when the user is prompted for the sensitive information thereby assuring the user that the request for sensitive information is from a trusted source.