HOUSTON (7/15/10)--PULSE has introduced Internet PIN debit, which allows financial institutions--including credit unions--to deliver personal identification number (PIN)-based online transaction verification to consumers who buy from e-commerce merchants. With PULSE Internet PIN Debit, consumers are given the option of completing an online transaction with a PIN. Consumers are then prompted to enter their PIN and complete the transaction, using a graphical, scrambling PIN pad that can be customized with the card issuers’ logo and debit card design. The cardholder clicks the mouse on a number and the PIN pad re-scrambles as each subsequent digit is elected. The PIN is not captured on the computer or transmitted over the Internet. The solution uses Acculynk’s PaySecure Internet PIN debit software. It guards against phishing because several attributes are displayed during the transaction, including merchant branding, financial institution identifiers, and the Verisign Secured Seal. Acculynk’s Internet PIN debit software service is integrated directly into the online checkout process, eliminating the need for cardholders to enroll or be redirected to another site to complete purchases, PULSE said.