An apparatus and method by which a user or cardholder can be given an Electronic-Commerce PIN that bears no discernible relation to the ATM PIN, but from which the ATM PIN can be cryptographically determined using the cardholder's account number and an issuer-unique “conversion” secret key. The intent...http://www.google.ca/patents/US7636694?utm_source=gb-gplus-sharePatent US7636694 - Apparatus and method for generating an electronic-commerce personal identification number cryptographically related to an ATM personal identification number
