Fraud reduction electronic transaction device

Patent metadata

Field	Value
Publication number	US-11514459-B2
Application number	US-202117355245-A
Country	US
Kind code	B2
Filing date	Jun 23, 2021
Priority date	Jan 26, 2016
Publication date	Nov 29, 2022
Grant date	Nov 29, 2022

Abstract

Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.

First claim

The invention claimed is:

1. A fraud reduction transaction processing device comprising:
a housing including at least a first protective layer and a second protective layer;
mounting blocks formed under a lower surface of the second protective layer and at opposite ends of the first protective layer, wherein the mounting blocks are configured to receive one or more screws to secure an electronic component to a mounting surface of a service dispensing device;
the electronic component arranged within the housing, the electronic component comprising a secure element chip storing unique information relating to the secure element chip;
wherein the electronic component is arranged between the first protective layer, the second protective layer, and the mounting blocks; and
wherein the electronic component is provisioned to receive funds.

2. The device of claim 1 , wherein the secure element chip is provided in a first region of the electronic component;
wherein a first strength adhesive is provided to secure at least a part of the secure element chip to at least a part of the first protective layer;
wherein a second strength adhesive or no adhesive is provided to secure at least a part of the first region of the secure element chip to at least a part of the second protective layer; and
wherein the electronic component is configured to detach from the device through an application of force in a direction away from the first protective layer while the secure element chip is adapted to remain attached to the first protective layer.

3. The device of claim 1 , wherein the first protective layer is secured to a surface of the service dispensing device with a first strength adhesive.

4. The device of claim 2 , wherein the second strength adhesive is provided to secure at least a part of a region outside the first region of the electronic component to the first protective layer.

5. The device of claim 4 , wherein the first strength adhesive is used to secure at least a part of the region outside the first region of the electronic component to the second protective layer.

6. The device of claim 1 , wherein a top surface of the first protective layer comprises indicia that indicates when tampering of the device has occurred.

7. The device of claim 1 , wherein the electronic component is a contactless EMV smart card.

8. The device of claim 2 , wherein the first strength adhesive is epoxy, methacrylate or contact bond adhesive, and/or the second strength adhesive is a removable adhesive.

9. A fraud reduction transaction processing device comprising:
a housing including at least a first protective layer and a second protective layer;
mounting blocks formed under a lower surface of the second protective layer and at opposite ends of the first protective layer, wherein the mounting blocks are configured to receive one or more screws to secure an electronic component to a mounting surface of a service dispensing device;
the electronic component arranged within the housing; and
wherein the electronic component is arranged between the first protective layer, the second protective layer, and the mounting blocks; and
wherein the electronic component is provisioned to receive funds.

10. The device of claim 9 , further comprising:
the one or more screws are plate screws adapted to be inserted into the mounting block.

11. The device of claim 9 , wherein an adhesive is provided between the mounting block and the mounting surface.

12. The device of claim 9 , wherein the electronic component comprises a secure element chip storing unique information relating to the secure element chip.

13. The device of claim 12 , wherein the unique information comprises one of a primary account number (PAN) associated with a payment instrument and a tokenized PAN associated with the payment instrument.

14. The device of claim 12 , further comprising:
a first strength adhesive provided on a first surface of the secure element chip; and
a second strength adhesive provided on a second surface of the secure element chip.

15. The device of claim 9 , wherein the first and second protective layers comprise at least one of polyvinyl chloride, polycarbonate, polyester, or polyethylene terephthalate.

16. The device of claim 9 , further comprising:
a first strength adhesive provided between the second protective layer and the mounting surface.

17. The device of claim 9 , further comprising:
a first strength adhesive provided between the first protective layer and the mounting block.

18. A transaction processing system comprising:
a service dispensing device; and
a transaction processing device, the transaction processing device comprising:
a housing including at least a first protective layer and a second protective layer;
mounting blocks formed under a lower surface of the second protective layer and at opposite ends of the first protective layer, wherein the mounting blocks are configured to receive one or more screws to secure an electronic component to a mounting surface of the service dispensing device; and
the electronic component arranged within the housing,
wherein the service dispensing device is configured to:
initiate an identity check when a payment instrument is brought into close proximity of the transaction processing device.

19. The system of claim 18 , wherein the service dispensing device is configured to display identity information of a registered owner of the payment instrument on a display when the payment instrument and data processing device are in close proximity.

20. The system of claim 19 , wherein the identity information includes an image of the registered owner of the payment instrument.

Assignees

• Worldpay Ltd

Inventors

• PICKERING Daren Lee
• Vokes Jonathan Stewart
• Telford-Reed Nicholas

Classifications

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/20 Primary

  Point-of-sale [POS] network systems · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/405 Primary

  Establishing or using transaction specific rules · CPC title

• G06K19/18

  Constructional details · CPC title