| Class / Patent application number | Description | Number of patent applications / Date published |
|---|
| 705073000 | Terminal detail (e.g., initializing) | 21 |
| 20090089214 | CONDUCTING FUEL DISPENSING TRANSACTIONS - Fuel dispensing transactions may be accomplished by a variety of systems and techniques. A fuel dispensing device may include a payment module, a data entry device, and a customer display. The payment module may receive a first communication from a point of sale device requesting an encrypted response and receive a second communication from the point of sale device requesting an unencrypted response. The module may match the first communication to a first corresponding library entry, match the second communication to a second corresponding library entry, determine a user response based on one of the first corresponding library entry or the second corresponding library entry, where the user response defines one of the encrypted response based on the first corresponding library entry or the unencrypted response based on the second corresponding library entry, and use the corresponding library entry to generate a visual customer display requesting the user response. | 04-02-2009 |
| 20110093398 | System and method for a private and secure payment system between two parties using a central system - A private and secure payment system has a portable wireless device belonging to party A with a payment function and a central system that is used to effect a private and secure payment transaction to a party B. At time of payment transaction from party A to party B, a party B identification and a payment amount is entered into the wireless device, a data record including at-least the party B's identification, the payment amount and the wireless device identification is transferred over the global network to the central system. The central system assembles payment transaction records from the party A pre-stored bank account data, to a central system bank and from the central system bank to a party B's bank account identification for submission to an automated clearing house and receives a payment approval record and sends a notification to the party A and party B's e-mail addresses. | 04-21-2011 |
| 20120310840 | AUTHENTICATION METHOD, PAYMENT AUTHORISATION METHOD AND CORRESPONDING ELECTRONIC EQUIPMENTS - The authentication method is based on the exchange of text messages between an User electronic equipment, in the form of a mobile phone terminal, and an Intermediary electronic equipment, and between a Manager electronic equipment and an Intermediary electronic equipment; upon a request of authentication of a User by a Manager to an Intermediary, the Intermediary electronic equipment sends to the mobile phone terminal an authentication key by means of an encrypted text message; the mobile phone terminal decrypts the encrypted text message via a cryptography key, the cryptography key has been previously encrypted via a PIN and stored inside the mobile phone terminal; if the mobile phone terminal correctly replies to the encrypted text message by sending to the Intermediary electronic equipment an appropriate encrypted text message, authentication is successful; typically, SMS or MMS and asymmetric encryption are used for implementing this method. The payment authorisation method is based on such authentication method and may involve also a Payer electronic equipment. | 12-06-2012 |
| 20130013515 | Secure Payment Device with Separable Display - A secure terminal, such as one used for point-of-sale debit card transactions, has a secure enclosure containing some or all of the terminal components, and is configured to send sensitive and non-sensitive data to a display located outside of the secure enclosure. The terminal includes a source chip that protects data sent from the terminal to the display. The source chip protects the data by detecting that the display is connected, authenticating the display as a device that is authorized to receive the data, and encrypting the data before transmission. Preferably, the display is a commercially-available consumer electronic device, such as a television or computer monitor. The source chip communicates with a receiver chip on the display to perform the detection, authentication, and encryption methods of the invention. | 01-10-2013 |
| 20130124424 | SYSTEM AND METHOD FOR POINT-TO-POINT ENCRYPTION WITH ADJUNCT TERMINAL - A system for point-to-point encryption is provided. A card reader system reads unencrypted card data stored on a magnetic stripe of a card and encrypts the card data, the card reader system being contained in a first housing. A point of sale device coupled to the card reader system and contained in a second housing separate from the first housing has a user interface for obtaining a transaction amount. A transaction request system transmits the transaction amount and the encrypted card data to an authorization gateway, wherein the unencrypted card data is prevented from being processed by the point of sale device. | 05-16-2013 |
| 20130185213 | NEAR-FIELD COMMUNICATION (NFC) SYSTEM AND METHOD FOR PRIVATE NEAR-FIELD COMMUNICATION - Embodiments of a near-field communication (NFC) system and method for private near-field communication are generally described herein. In some embodiments, a resonance-coupled channel is masked with a random channel-masking signal. The channel-masking signal may be scaled based on near-field channel conditions. Signals received through the channel may be unmasked with the scaled channel-masking signal to determine data that may have been conveyed by an NFC transmitting device by affecting the impedance of the resonance-coupled channel. In some embodiments, a reference signal may be scrambled with a mask to generate the channel-masking signal. The mask may include at least one of a random symbol mask, an amplitude mask and a phase mask. For additional privacy, the mask may include a random symbol mask and at least one of an amplitude mask and a phase mask. | 07-18-2013 |
| 20130238507 | APPARATUS AND METHOD FOR ENCRYPTING DATA IN A MAGNETIC STRIPE READER - A magnetic stripe reader assembly for a point of sale terminal is provided. The magnetic stripe reader reads the account data from a card and may encrypt it within the magnetic head. An encrypted representation of the account data may be provided to a host processor in the terminal for carrying out a financial transaction, such as a payment for goods or services. The account data is typically recorded on the magnetic stripe on the card in a magnetic flux pattern that is sensed and then converted to an analog signal. Such sensing and conversion and other processing of the account data to produce the encrypted representation of the account data typically involves one or more parameters, and may include at least one parameter that is adjustable. | 09-12-2013 |
| 20140149295 | UNIVERSAL SECURE REGISTRY - In one embodiment, a user device is configured to allow a user to select any one of a plurality of accounts associated with the user to employ in a financial transaction. In one embodiment, the user device includes a biometric sensor configured to receive a biometric input provided by the user, a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts. In a further embodiment, the user device includes a communication link configured to communicate with a secure registry, and a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface, and the communication link. According to one embodiment, the processor is configured to generate a non-predictable value and to generate encrypted authentication information from the non-predictable value, the identifying information, and at least one of the information concerning the biometric input and the secret information, and to communicate the encrypted authentication information via the communication link to the secure registry. | 05-29-2014 |
| 20140188738 | MOBILE BANKING SYSTEM WITH CRYPTOGRAPHIC EXPANSION DEVICE - A mobile banking system that uses a cryptographic expansion device attached to a communication component of a mobile device and a secure gateway device to enable end-to-end secure communications between the mobile device and a payment processing network is disclosed. The cryptographic expansion device enables the mobile device to perform cryptographic operations on communications sent to and from the mobile device. The secure gateway device prevents unauthorized accesses to the payment processing network. | 07-03-2014 |
| 20150039520 | PERSONAL SECURE INFORMATION DEVICE (PSID) - A secure data transmission device: employs a proprietary arrangement of individualized encodable micro-machined electromagnets embedded in a compact, plastic (or apt substrate) which insulates each electromagnet from one another. The electromagnets mimic the magnetic strip on a credit card, but have the capability to temporarily capture data, and then transmit said data to be read by a magstripe terminal. The electromagnetic device can receive, and momentarily capture a variety of data, depending on which digital data is chosen by user. It then converts that data it to an analog signal, and then by using such components as microphone amplifier, a digital-to-analog converter, and microprocessor in the mobile device, transmits that data to the secure information device, which can write that data to a magnetic card terminal. The secure transmission device can be rewritten over and over again each time the user has a separate transaction, using different transaction data. | 02-05-2015 |
| 20150120572 | LOCATION BASED MOBILE DEPOSIT SECURITY FEATURE - A mobile deposit application including a remotely accessible bank administrative interface module for setting a plurality of geographic-based security rules, a rules module communicative coupled to the bank administrative interface module, the rules module comprising bank-definable location parameters for enabling mobile deposit based on the geographic location of a mobile device, a geolocation module communicatively coupled to the rules module, the geolocation module receives coordinates of the mobile device and applies said coordinates to the rules module to determine if mobile deposit features are enabled or disabled and an exception presentation module communicatively coupled to the rules module, the exception presentation module displaying notifications to the mobile device responsive to a disabling of the mobile deposit features responsive to the geolocation module reporting the mobile device falls outside the bank-definable location parameters. | 04-30-2015 |
| 20150120573 | INFORMATION PROCESSING METHOD, DEVICE AND SYSTEM - The present application discloses methods, devices and systems for information processing, and in particular for financial transactions. In some embodiments, a check-out terminal acquires and decrypts an encrypted image displayed by or sent from a paying terminal associated with a user. The encrypted image encodes information such as account identifiers and a payment amount. Then, the check-out terminal sends a payment request to a server so that the server can respond with a message that prompts the user to provide verification information. In some embodiments, the prompting message is displayed by the check-out terminal and the verification information includes biometric information of the user. The verification information is transferred from the check-out terminal to the server to be used by the server to verify the payment request. If the verification is successful, the server generates processing results for the payment request and sends the results to the check-out terminal. | 04-30-2015 |
| 20160012400 | SYSTEMS AND METHODS FOR MAKING A PAYMENT USING A WIRELESS DEVICE | 01-14-2016 |
| 20160019512 | TRANSACTION FACILITATION METHODS AND APPARATUSES - Devices and systems using Bluetooth Low Energy (BLE) to facilitate sale transactions are disclosed. The devices can be in the form of a credit card, debit card, smart phone, wearable device such as a watch or glasses. A virtual payment card can store information relevant to a plurality of preexisting accounts and can provide outputs that include wirelessly communicating account information to a wireless device such as the emulation device, programming a dynamically alterable magnetic strip to include magnetized sectors that are magnetized in a fashion that reflects account information, and a visual output of the transaction card whose relevant card information has been communicated wirelessly or to the magnetic strip. Bluetooth-enabled electronic devices are configured to alternately scan and operate as beacons and employ various technologies to detect the signal strengths of other Bluetooth devices, and such signal strength values are wirelessly communicated to a server that resolves the various signal strength values into relative locations of each of the Bluetooth electronic devices. | 01-21-2016 |
| 20160027010 | METHODS AND SYSTEMS FOR AUTHENTICATING A TRANSACTION WITH THE USE OF A PORTABLE ELECTRONIC DEVICE - Methods and systems for secure transaction authentication. The card is read in a POS reader, data is sent to a remote server after being encrypted, a code is then sent from the remote server to a unique identifier provided as a proof of authentication, thereafter the code is provided to authenticate the transaction. The methods and systems may include obtaining a unique identifier from the user, such as a mobile telephone number. In some configurations, the data of the mobile telephone number can be compared to patterns of activity related to usage of the mobile telephone number. The methods and systems may include sending a code that is provided by during the transaction and verifying that the code provided matches with the code sent by the remote server. | 01-28-2016 |
| 20160071089 | SECURE NFC FORWARDING FROM A MOBILE TERMINAL THROUGH AN ELECTRONIC ACCESSORY - A mobile terminal that includes a processor, a NFC circuit, a wireless network circuit. The processor executes a payment application in a memory to generate transaction data relating to a financial transaction. The NFC circuit receives the transaction data and encrypts the transaction data to output NFC encrypted transaction data. The wireless network circuit establishes a wireless network link with an accessory device that is separate from the mobile terminal, encrypts the NFC encrypted transaction data to output combined wireless network+NFC encrypted transaction data, and transmits the combined wireless network+NFC encrypted transaction data through the Bluetooth link to the accessory device for relay to a financial transaction terminal. Related accessory devices are disclosed for proxy encrypted data between the mobile terminal and a financial transaction terminal. | 03-10-2016 |
| 20160104142 | SYSTEM FOR INTERFACING A CLIENT DEVICE WITH A POINT OF SALE SYSTEM - An information technology system taking the form of a management console, central server, point of sale system, software running on a point of sale system and software running on a customer's mobile phone. The software on the customer's mobile phone lets a customer interact with the point of sale system, allowing the customer to view a pending economic transaction, optionally add or remove items to the transaction, and pay for the transaction using payment information stored on the mobile phone. | 04-14-2016 |
| 20160125381 | Secure Wireless Network-Based Activation for Table-Side Information and Point-of-Sale Devices - A new terminal is seamlessly and securely integrated to an existing (primary) Wi-Fi network within an operating environment at a restaurant location. The location includes a data management server (DMS) for managing the local operations of devices operating there. The device being installed at the location is auto-configured into the primary Wi-Fi network by being provided with a default Wi-Fi profile that only enables the device to be activated on an activation Wi-Fi network also available at the location. Once the device activates to the Wi-Fi activation network, it requests activation onto the primary Wi-Fi network from a cloud-based data center. The data center requests an activation password from the local DMS. The local DMS generates an activation bundle, which is then returned and eventually instantiated on the device to complete the activation. Once activated, the device updates its Wi-Fi profile to now executed on the primary Wi-Fi network. | 05-05-2016 |
| 20160125388 | OFF-LINE GUIDING AND CONFIRMATION DEVICE AND METHOD FOR SUPPORTING MOBILE PAYMENT - The present invention discloses an offline payment guidance and confirmation device for supporting mobile payments, comprising: a display module, a storage module, a keyboard module, one or more encryption/decryption module(s), a power module, an input/output module, a main panel and a battery module, all connecting to an information processing module, wherein said one or more encryption/decryption modules can be exchangeable, and wherein said input/output module can be connected to any of the following peripheral devices by means of wired and/or wireless connections: a Quick-Response (QR) barcode reading device, a barcode reading device, a printing device, a voice recognition device, and an NFC recognition device. The present invention also discloses an offline payment guidance and confirmation method for supporting mobile payments. The present invention solves a deficiency of must maintaining both parties' devices online in the traditional dealing process, and the invention is low cost, safe and easy to use. | 05-05-2016 |
| 20160140539 | RELAY ATTACK DEFENSE SUPPORT SYSTEM - In some examples, a method to defend against relay attacks includes recording a first representation of a motion signal associated with a mobile device. The first representation of the motion signal is obtained by remotely sensing the motion of the mobile device. The method also includes receiving data indicative of a second representation of the motion signal associated with the mobile device. The second representation of the motion signal is obtained by sensing the motion of the mobile device in-situ. The method also includes comparing the first representation of the motion signal with the second representation of the motion signal and verifying, based on the results of the comparison, that a relay attack is not present when the first representation of the motion signal is substantially similar to the second representation of the motion signal. | 05-19-2016 |
| 20160148183 | SYSTEM AND METHOD FOR LINKING POINT OF SALE DEVICES WITHIN A VIRTUAL NETWORK - A system and method for interconnecting multiple point of sale devices creating a mesh-like network structure which reduces connectivity costs while providing greater reliability due to multiple network paths is disclosed. By linking point of sale devices within a virtual network, the need for individual connections to a point of sale controller is eliminated and alternative network paths are provided, thereby ensuring maximum up-time and optimal connection speeds. | 05-26-2016 |
