Physical and logical detections for fraud and tampering

US10475034B2 · kind B2 · utility

Assignee

• INC SQUARE, CO., LTD · JP

Inventors

• Max Guise · San Francisco, US
• Andrew John Leiserson · San Francisco, US
• Dino Dai Zovi · San Francisco, US

Key dates

• Filing date: Feb 12, 2016
• Grant date: Nov 12, 2019
• Expiry date: Oct 14, 2036

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W12/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A payment terminal may include payment interfaces to receive payment information from payment devices such as chip cards and NFC payment devices. Monitoring components may monitor these payment interfaces. In addition, test requests may be transmitted to a payment device in order to elicit responses. The monitored information and the responses may be used by the payment terminal to determine whether a transaction is fraudulent or if a tamper attempt is ongoing, based on local test criteria. In addition, the monitored information and responses may be provided to a server, which may store the monitored information and responses, test for fraudulent transactions and tamper attempts based on server test criteria, and determine updates to the local test criteria.