Patent application number | Description | Published |
20110078034 | Apparatus and method for point of sale terminal fraud detection - A system, apparatus, method and computer programming for monitoring security of a payment terminal is described. There is provided monitoring of one or more security parameters associated with the payment terminal; detecting any violation of any one of the security parameters; classifying the detected any violation of the one or more of the security parameters into a classification; transmitting data regarding the any violation of the one or more of the security parameters, including the classification thereof, to a centralized terminal management server. If the any detected violation of the one or more of the security parameters is classified as potential fraudulent activity, there is also provided one or more security actions in response to the any detected violation of the one or more of the security parameters. | 03-31-2011 |
20130132283 | SYSTEM AND METHOD FOR PROCESSING AN ONLINE TRANSACTION REQUEST - A method of processing an online transaction request involves a network gateway generating a revised transaction request from an incoming transaction request that is received from a client terminal. The revised transaction request includes a revised transaction message that is derived from the incoming transaction request and a revised transaction request cryptogram that is generated from the revised transaction message. The revised transaction request cryptogram is uniquely associated with an identity token that is interfaced with the client terminal. The network gateway receives a transaction authorization from an issuer server for the revised transaction request, and provides a revised transaction authorization message to the client terminal in accordance with the received transaction authorization. The revised transaction authorization message provides an indication of authorization of the revised transaction request. | 05-23-2013 |
20130254053 | SYSTEM AND METHOD FOR COMPLETING A TRANSACTION WITH A PAYMENT TERMINAL - A method of completing a transaction with a payment terminal involves the payment terminal transmitting to a network gateway via a first communications network a transaction proposal identifying a proposed transaction with a network device, and receiving from the network gateway a transaction proposal response in response to the transaction proposal. The transaction proposal response specifies a pointer to the proposed transaction. The network gateway is configured to authenticate to the network device via a second communications network that comprises the network device. The payment terminal transmits over a payment network, distinct from the communications networks, payment particulars for the proposed transaction, and receives from the payment network a payment confirmation in response to the payment particulars. In accordance with the payment confirmation, the payment terminal initiates completion of the proposed transaction by generating a transaction completion request and transmitting the transaction completion request to the network device via the network gateway. The transaction completion request is generated from the transaction pointer, and requests completion of the proposed transaction with the network device. | 09-26-2013 |
20130254116 | SYSTEM AND METHOD FOR AUTHENTICATING A PAYMENT TERMINAL - A method of authenticating a payment terminal, involves the terminal generating a terminal activation request from a private encryption key and from at least one terminal credential that is uniquely associated with the terminal. The terminal activation request includes a public encryption key. The public encryption key and the private encryption key comprise an asymmetric encryption key pair. The terminal transmits the terminal activation request to a certificate server, and receives an activation response from the certificate server in response. The activation response includes a digital authentication certificate that includes the public encryption key. The terminal authenticates to a computer server, that is distinct from the certificate server, using the digital authentication certificate. | 09-26-2013 |
20130254119 | SYSTEM AND METHOD FOR AUTHENTICATING A NETWORK GATEWAY - A method of network gateway authenticating involves a network gateway receiving an authentication request from a communications terminal. The communications terminal is in communication with an identity token. The authentication request includes a token cryptogram generated from a cryptographic key stored on the identity token. The network gateway transmits the authentication request to a communications network, and receives an authentication response from the communications network in accordance with a validity of the token cryptogram. The authentication response includes a gateway authentication certificate. The gateway authentication certificate is configured to authenticate the network gateway to a network device of the communications network. | 09-26-2013 |
20140108265 | SYSTEM AND METHOD OF AUTHENTICATING A NETWORK GATEWAY - A method of network gateway authenticating involves a network gateway receiving an authentication request from a communications terminal. The communications terminal is in communication with an identity token. The authentication request includes a token cryptogram generated from a cryptographic key stored on the identity token. The network gateway transmits the authentication request to a communications network, and receives an authentication response from the communications network in accordance with a validity of the token cryptogram. The authentication response includes a gateway authentication certificate. The gateway authentication certificate is configured to authenticate the network gateway to a network device of the communications network. | 04-17-2014 |
20140337237 | SYSTEM AND METHOD FOR AUTHENTICATING A PAYMENT TERMINAL - A method of authenticating a payment terminal to a computer server involves the terminal generating a terminal activation request from a private key uniquely associated with the terminal, and from a credential uniquely associated with the terminal. The activation request includes a public key that the payment terminal generates from the private key. The private key is both provided to and uniquely associated with the terminal by an entity other than the terminal prior to the terminal generating the activation request. The terminal transmits the activation request to a certificate server, and receives a digital certificate in response. The terminal initiates a transaction with a network client by authenticating to the computer server using the digital certificate. The computer server is in communication with the network client via a communications network. The terminal effects payment for the transaction via an acquirer network distinct from the communications network. | 11-13-2014 |
20150073995 | SYSTEM AND METHOD FOR AUTHORIZING A FINANCIAL TRANSACTION - A method of authorizing a financial transaction involves a payment terminal receiving, from a payment card interfaced with the payment terminal, application data in response to a predetermined authorization amount provided to the payment card by the payment terminal. The application data comprises an account number uniquely associated with the payment card. The payment terminal generates an adjusted authorization amount based on the account number and from a preliminary authorization amount received at the payment terminal, provides the payment card with the adjusted authorization amount, receives a cryptogram from the payment card in response, and provides notification of authorization of a financial transaction for the adjusted authorization amount in accordance with a confirmation that the cryptogram received at the payment terminal from the payment card was generated by the payment card from the adjusted authorization amount and from a cryptographic key uniquely associated with the payment card. | 03-12-2015 |