System and method for requesting and processing pin data using a digit subset for subsequent pin authentication

A system for authenticating a personal identification number (PIN) associated with a payment card of a cardholder, the PIN being a code having a sequence of digits, the system comprising:

• a computer processor coupled to a physical memory, wherein the computer processor is programmed by instructions to coordinate the authenticating of the PIN by:
• presenting a PIN entry request to the cardholder including identifying a digit subset of the code, such that the digits in the digit subset is at least one digit less than the digits of the code;
• receiving the digit subset in response to the PIN entry request;
• sending an authentication request based on the digit subset;
• receiving an authentication response including response data;
• and
• presenting a response to the cardholder based on the response data, the response including information representative of whether the PIN was successfully authenticated or not using the digit subset.

A non-transitory computer readable storage medium with an executable program application stored thereon, the program application for authenticating a personal identification number (PIN) associated with a payment card of a cardholder, the PIN being a code having a sequence of digits, wherein the program application is configured to instruct a computer processor to perform the following steps of:

• presenting a PIN entry request to the cardholder including identifying a digit subset of the code, such that the digits in the digit subset is at least one digit more than the digits of the code;
• receiving the digit subset in response to the PIN entry request;
• sending an authentication request based on the digit subset;
• receiving an authentication response including response data;
• and
• presenting a response to the cardholder based on the response data, the response including information representative of whether the PIN was successfully authenticated or not using the digit subset.