Portable pin card

A security apparatus comprising:

• at least one first computerized information center means, first digitized data generated by said first computerized information center means, said first digitized data including an account number, first encryption parameters and first algorithm stored in protected RAM;
• means for entering a first PIN code into protected storage;
• second computerized information center means which stores, for each of said first computerized information center means, a reference PIN code, reference encryption parameters and a reference algorithm, wherein said reference encryption parameters and said reference algorithm are identical to said first encryption parameters and said first algorithm, respectively, stored in said respective first computerized information center means;
• said second computerized information center means including pseudo-random generating means;
• wherein said second computerized information center means uses said communicated account number to access and retrieve said reference PIN code and said reference encryption parameters, retrieves a pseudo-random number from said pseudo-random number to said first computerized information center means, uses said reference encryption parameters and said reference algorithm to encrypt a function of said reference PIN code and said pseudo-random number to derive a first CGIPIN;
• wherein said first computerized information center means uses said first encryption parameters and said first algorithm to encrypt a function of said pseudo-random number and said first PIN in said protected storage in order to derive a second CGIPIN;
• comparing means for comparing said first CGIPIN to said second CGIPIN, including means for alerting a user whether or not said first CGIPIN and said second CGIPIN match;
• wherein said first computerized information center means and reference encryption parameters define a matrix employed by said first computerized information center means and reference algorithms;
• wherein the matrix comprises columns of 20 numbers 0-9 in arbitrary order which is repeated after the first ten digits;
• wherein one and only one incident of each digit 0-9 is used per half column;
• one or more digits of said pseudo-random number serves as an offset into the matrix, while remaining digits serve to name the columns used to calculate said CGIPIN.

A security apparatus comprising:

• at least one first computerized information center means, without an encoded PIN number therein, for generating first digitized data, first encryption parameters and first algorithm stored in protected RAM;
• means for entering an encoded number in said first computerized information center means;
• means for entering a first PIN code into protected storage;
• a second computerized information center means which stores, for each of said first computerized information center means, a reference PIN code, reference encryption parameters and a reference algorithm, wherein said reference encryption parameters and said reference algorithm are identical to said first encryption parameters and said first algorithm, respectively, stored in said first computerized information center means;
• said second computerized information center means including pseudo-random number generating means;
• wherein said second computerized information center means uses said communicated account number to access and retrieve said reference PIN code and said reference encryption parameters, retrieves a pseudo-random number from said pseudo-random number generating means, transmits said pseudo-random number to said first computerized information center means, uses said reference encryption parameters and said reference algorithm to encrypt a function of said reference PIN code and said pseudo-random number to derive a first CGIPIN;
• wherein said first computerized information center means uses said encryption parameters and said algorithm to encrypt a function of said pseudo-random number and said first PIN in said protected storage in order to derive a second CGIPIN;
• comparing means for comparing said first CGIPIN to said second CGIPIN, including means for alerting a user whether or not said first CGIPIN and said second CGIPIN match;
• and
• wherein said first computerized information center means and reference encryption parameters define a multidimensional matrix employed by said first computerized information center means and reference algorithms wherein one or more digits of said pseudo-random number serve as an offset into said matrix.