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1. (WO2017139633) PHYSICAL AND LOGICAL DETECTIONS FOR FRAUD AND TAMPERING
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2017/139633 International Application No.: PCT/US2017/017453
Publication Date: 17.08.2017 International Filing Date: 10.02.2017
IPC:
H04W 12/12 (2009.01) ,H04W 4/00 (2009.01) ,G06Q 20/00 (2012.01)
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
W
WIRELESS COMMUNICATION NETWORKS
12
Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity
12
Fraud detection
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
W
WIRELESS COMMUNICATION NETWORKS
4
Services or facilities specially adapted for wireless communication networks
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
Applicants:
SQUARE, INC. [US/US]; 1455 Market Street Suite 600 San Francisco, CA 94103, US
Inventors:
GUISE, Max; US
LEISERSON, Andrew, J.; US
DAI ZOVI, Dino; US
Agent:
VAN HOVEN, Joshua; US
SATTIZAHN, Brian, T.; US
BROWNING, Brandon; US
DODD, Curtis, W.; US
LETSON, Ryan, J.; US
Priority Data:
15/043,23312.02.2016US
Title (EN) PHYSICAL AND LOGICAL DETECTIONS FOR FRAUD AND TAMPERING
(FR) DÉTECTIONS PHYSIQUES ET LOGIQUES DE FRAUDE ET DE FALSIFICATION
Abstract:
(EN) 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.
(FR) Selon l'invention, un terminal de paiement peut comprendre des interfaces de paiement servant à recevoir des informations de paiement de dispositifs de paiement tels que des cartes à puce et des dispositifs de paiement NFC. Des composants de surveillance peuvent surveiller ces interfaces de paiement. En outre, des demandes de test peuvent être transmises à un dispositif de paiement afin de provoquer des réponses. Les informations surveillées et les réponses peuvent être utilisées par le terminal de paiement pour déterminer si une transaction est frauduleuse ou si une tentative de falsification est en cours, en fonction de critères de test locaux. De plus, les informations surveillées et les réponses peuvent être fournies à un serveur, qui peut stocker les informations surveillées et les réponses, effectuer des tests pour identifier des transactions frauduleuses et des tentatives de falsification en fonction de critères de test de serveur, et déterminer des mises à jour des critères de test locaux.
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
EP3414930