Secure payments with untrusted devices
US11341472B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 21, 2017 |
| Grant date | May 24, 2022 |
| Priority date | — |
| Expiry date | Jun 3, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/40
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Various embodiments of the present invention relate to a point-of-sale (POS) system, and more particularly, to systems, devices and methods of making secure payments using a mobile device in addition to a POS terminal that may be an insecure payment device exposed to various tamper attempts under certain circumstances. The mobile device is involved in a trusted transaction between a central financial entity, e.g., a bank, and the payment terminal, such that the insecure payment terminal may be further authenticated based on rolling codes, two-way or three-way authentication, or an off-line mode enabled by incorporation of the mobile device. Although either of the mobile device and the payment terminal provides limited security, a POS system incorporating both of them demonstrates an enhanced level of security.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.