Systems and methods for use of capacitive member to prevent chip fraud

Patent metadata

Field	Value
Publication number	US-2024256818-A1
Application number	US-202418635108-A
Country	US
Kind code	A1
Filing date	Apr 15, 2024
Priority date	Dec 20, 2019
Publication date	Aug 1, 2024
Grant date	—

Abstract

Example embodiments of systems and methods for preventing chip fraud are provided. A chip fraud prevention system may comprise a device including a chip, wherein the chip is at least partially encompassed in a chip pocket. One or more connections may be communicatively coupled to one or more surfaces of the chip, and a capacitance member may be coupled to a surface of the chip. The capacitance member may comprise a known capacitance value and the chip may comprise a memory containing an applet, wherein the applet is configured to measure the capacitance value of the capacitance member.

First claim

1 - 62 . (canceled)

63 . A method of preventing chip fraud, the method comprising the steps of:
measuring, by an applet in the memory of a chip installed in smart card, an initial capacitance value from the smart card; measuring, by the applet in the memory of the chip installed in the smart card, a subsequent capacitance value from the smart card; and comparing the initial capacitance value against the subsequent capacitance value.

64 . The method of claim 63 further comprising, issuing a fraud alert based on the comparison resulting in a difference between the initial capacitance value and the subsequent capacitance value.

65 . The method of claim 63 wherein the measuring of the subsequent capacitance value is triggered by a transaction request.

66 . The method of claim 65 further comprising, denying the transaction request based on the comparison resulting in a difference between the initial capacitance value and the subsequent capacitance value.

67 . The method of claim 63 further comprising, updating the initial capacitance value based on a determination that a change in the initial capacitance value over time is a result of normal wear-and-tear of the smart card.

68 . The method of claim 64 wherein the fraud alert is issued only when the difference between the initial capacitance value and the subsequent capacitance value exceeds a predetermined range.

69 . The method of claim 66 wherein the transaction request is denied only when the difference between the initial capacitance value and the subsequent capacitance value exceeds a predetermined range.

70 . The method of claim 63 wherein the capacitance value from the smart card is generated by a metallic feature of the smart card.

71 . The method of claim 70 wherein the metallic feature comprises a capacitance member attached to the smart card.

72 . The method of claim 71 wherein the capacitance member comprises one or more of a wire, a coil, a plate, a disc, a particle, and a flake.

73 . A chip fraud prevention system comprising:
a chip installed in a smart card, the chip comprising a memory containing an applet configured to:
measure an initial capacitance value from the smart card;
measure a subsequent capacitance value from the smart card; and
compare the initial capacitance value against the subsequent capacitance value.

74 . The system of claim 73 wherein the applet is further configured to issue a fraud alert based on the comparison resulting in a difference between the initial capacitance value and the subsequent capacitance value.

75 . The system of claim 73 wherein the measuring of the subsequent capacitance value is triggered by a transaction request.

76 . The system of claim 75 wherein the applet is further configured to deny the transaction request based on the comparison resulting in a difference between the initial capacitance value and the subsequent capacitance value.

77 . The system of claim 73 wherein the applet is further configured to update the initial capacitance value based on a determination that a change in the initial capacitance value over time is a result of normal wear-and-tear of the smart card.

78 . The system of claim 74 wherein the fraud alert is issued only when the difference between the initial capacitance value and the subsequent capacitance value exceeds a predetermined range.

79 . The system of claim 76 wherein the transaction request is denied only when the difference between the initial capacitance value and the subsequent capacitance value exceeds a predetermined range.

80 . The system of claim 73 wherein the capacitance value from the smart card is generated by a metallic feature of the smart card.

81 . The system of claim 80 wherein the metallic feature comprises a capacitance member attached to the smart card.

82 . A smart card comprising:
a chip embedded in the smart card, the chip comprising a memory containing an applet configured to:
measure an initial capacitance value from the smart card;
measure a subsequent capacitance value from the smart card; and
compare the initial capacitance value against the subsequent capacitance value.

Assignees

• Capital One Services Llc

Inventors

• Herrington Daniel
• Schneider Stephen
• Maiman Tyler

Classifications

• H10W42/40

  protecting against tampering, e.g. unauthorised inspection or reverse engineering · CPC title

• G06K19/07372

  by detecting tampering with the circuit · CPC title

• G06K19/07318 Primary

  by hindering electromagnetic reading or writing (jamming of communication, counter-measures H04K3/00; secret communication H04K1/00) · CPC title

• G06K19/073 Primary

  Special arrangements for circuits, e.g. for protecting identification code in memory (protection against unauthorised use of computer memory G06F12/14) · CPC title

• H01L23/573

  Electricity · mapped topic