Credit card security enhancements for authorizing a credit card transaction

A non-transitory computer-readable medium storing a plurality of instructions which, when executed by a processor of a server at a bank, cause the processor to perform operations for authorizing a website transaction, the operations comprising:

• receiving a request from an endpoint device of a user to generate a vendor specific personal identification number (PIN) for a credit card account issued by the bank and associated with the user;
• establishing the vendor specific PIN for each one of a plurality of different vendors, wherein the vendor specific PIN is selected by the user and is different for the each one of the plurality of different vendors, wherein the vendor specific PIN is associated with one or more parameters defined by the user comprising at least one authorized user of the credit card account and an authorized time range;
• receiving a request from a vendor to validate the website transaction with the vendor using the credit card account;
• sending a request to the user of the credit card account for the vendor specific PIN associated with the credit card account, wherein the request is sent to the endpoint device of the user via at least one of:
• an email, a text message, a push notification or a telephone call;
• receiving the vendor specific PIN via the endpoint device of the user;
• determining that the vendor specific PIN received from the endpoint device of the user matches the vendor specific PIN that was established and associated with the credit card account, that the user is one of the at least one authorized user and that the website transaction is within the authorized time range;
• and
• authorizing the website transaction with the vendor using the credit card account.