Patents Assigned to BANKS AND ACQUIRERS INTERNATIONAL HOLDING
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Patent number: 11978327Abstract: An electronic payment terminal including a box having a housing inside which a first removable module for storing data related to at least one transaction carried out via the terminal is arranged, the terminal also having removable features for blocking access to the first storage module and an authenticity device covering at least one portion of the removable features for blocking access to the first storage module.Type: GrantFiled: April 1, 2021Date of Patent: May 7, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Maxime Goulon, Jérôme Andre, Alain Soubirane
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Patent number: 11973276Abstract: A flexible printed circuit including at least two conductive tracks extending along the length of the flexible printed circuit. The conductive tracks form at least two antenna loops. The at least two conductive tracks are substantially parallel to one another. A contact zone located at a first end of the flexible printed circuit is configured to contact a predetermined portion of the flexible printed circuit so that a first track of the flexible printed circuit is connected with a second track of the flexible printed circuit when the first end is placed in contact with the predetermined portion.Type: GrantFiled: January 28, 2020Date of Patent: April 30, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Vincent Hernandez, Jérôme Andre
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Patent number: 11972419Abstract: A method for authenticating at least one piece of data during a payment transaction taking place between a merchant's communications terminal and a user device of the type including transmission, by the communications terminal, of at least one piece of data to be signed, to the user device by using a near field communications wireless data link. The method includes: obtaining the piece of data to be signed; obtaining an identifier of the communications terminal; signing, within a secured processing unit of the communications terminal, by using a key of the communications terminal, the piece of data to be signed and the identifier of the communications terminal, delivering signed pieces of data; transmission of the signed pieces of data to the user device; and reception, from the user device, of a piece of encrypted data establishing the authentication of the signed pieces of data.Type: GrantFiled: June 30, 2017Date of Patent: April 30, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Remi Geraud
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Patent number: 11974395Abstract: A security element intended to be electrically connected to an electronic card. The security element includes: a metal portion, called a dome; a conductive assembly including conductive tracks which are not connected to each other including an outer track and a central track, each having a conductive tab intended to connect them to the electronic card; and a non-conductive support having lumens via which the conductive tabs extend from the conductive tracks to the electronic card. The ends of the conductive tabs are intended to be in contact with the electronic card and do not extend beyond the non-conductive assembly such that the connections between the tracks and the electronic card are located under a lower face of the non-conductive assembly.Type: GrantFiled: December 3, 2021Date of Patent: April 30, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Stéphane Pavageau, Eric Bonnet
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Patent number: 11934906Abstract: A hybrid transaction card reader system includes a hybrid transaction card reader and a device for protecting the hybrid reader. The hybrid transaction card reader includes a magnetic strip reader and a chip reader. The device for protecting the hybrid reader includes an upper protective printed circuit and a lower protective printed circuit. The hybrid reader further includes a lateral protective printed circuit which includes a superposition of unitary printed circuits, the plane of superposition of the unitary printed circuits being parallel to the plane of the upper protective printed circuit and to the plane of the lower protective printed circuit.Type: GrantFiled: June 19, 2020Date of Patent: March 19, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Florence Panetta, Olivier Fabregoule, Roger Devornique, Pierre Morel, Richard Allirot
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Patent number: 11907918Abstract: A method is provided for carrying out a financial transaction. The method is implemented within a terminal of a user wishing to carry out a transaction with a merchant. The method includes: receiving a merchant's identifier; receiving a piece of data representing a transaction amount; generating a transaction by using the user's terminal to the benefit of the merchant; and transmitting the transaction to a transaction management server.Type: GrantFiled: July 11, 2014Date of Patent: February 20, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Michel Leger
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Publication number: 20240046257Abstract: A method for configuring a payment terminal. The method includes a step of loading, within a secure memory of the payment terminal, a firmware comprising a plurality of distinct cryptographic methods, each cryptographic method of the plurality being intended to allow the subsequent implementation, by a third party having the cryptographic material adapted to the considered method, of operations for verifying the authenticity and the integrity of at least one application installed on the payment terminal.Type: ApplicationFiled: November 24, 2021Publication date: February 8, 2024Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Francis BERTHIER
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Patent number: 11880840Abstract: A method for processing a transaction of a communications terminal, requesting a server, through a communications network, for implementing a transaction involving the use of payment data. The method is implemented by the communications terminal and includes: obtaining a user identification certificate, the user identification certificate being formed out of an identity document in the possession of a user making the transaction; inserting the user identification certificate into a transaction data structure; transmitting the transaction data structure to the server; and, when the user identification certificate received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.Type: GrantFiled: June 28, 2019Date of Patent: January 23, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Pierre Quentin
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Patent number: 11878544Abstract: A security element, called a security dome, intended to be glued onto an electronic board. The security element includes at least: a metal part intended to be in contact with at least one electrical circuit of the electronic board; and a protective part covering the metal part and having a first face comprising an adhesive portion intended to ensure the gluing of the security element on the electronic board by an automatic assembly method having at least one reflow step. The metal part and protective part are resistant to temperatures used during the reflow step.Type: GrantFiled: January 28, 2021Date of Patent: January 23, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Xavier Lambert, Bertrand Dajon-Lamare
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Publication number: 20240022569Abstract: A method for processing a transaction using a transaction device of a user, carried out within an electronic transaction terminal called a transaction terminal, and includes at least one connection interface for connecting to at least one communication network.Type: ApplicationFiled: November 12, 2021Publication date: January 18, 2024Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Jean-Bernard BLANCHET
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Publication number: 20240012952Abstract: A secure module of an electronic payment terminal including a housing, including first and second printed circuits each having an inner side located facing each other with electronic components, and a flexible printed circuit extending from the first to second printed circuit on part of their perimeter and forming, with the printed circuits, a secure enclosure for the components, the secure module including a secure element extending from the first or second printed circuit, on which it is connected to a circuit for detecting opening of the housing, to the second printed circuit respectively the first printed circuit, facing a slot passing through the second printed circuit, respectively the first printed circuit, via which a secure element comes into contact with the upper or lower cover of the closed housing.Type: ApplicationFiled: November 2, 2021Publication date: January 11, 2024Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Yann GRANDDIDIER, Jérôme ANDRE
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Patent number: 11868992Abstract: A method for transmitting data, implemented within a secured execution environment of an electronic device, called a trusted component, which is coupled to a cash register. The method includes transmitting, by using a payment terminal, a piece of data intended for cash register. The method includes, prior to transmitting the data: receiving, from the cash register, a first request for setting up a first secured communications channel with the trusted component; setting up the first secured communications channel by using at least one piece of data contained in the first request; receiving, from the payment terminal, a second request for setting up a second secured communications channel with the trusted component; and setting up the second secured communications channel with the payment terminal by using at least one piece of data of the second request.Type: GrantFiled: January 27, 2017Date of Patent: January 9, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Pierre Quentin, Jerome Marcon
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Patent number: 11861991Abstract: A piece of electronic equipment including a first subsystem such as a touch-sensitive tablet and a second subsystem such as a payment terminal. The first sub-system embeds a first operating system for managing the power consumption of the first subsystem. The second subsystem embeds a specific and secure operating system capable of executing payment transactions. Since the two subsystems execute two different operating systems, an operating state of one of the subsystems may not allow the required service to be implemented if this requires the use of resources implemented by both of the two subsystems. Thus the first and second subsystems exchange data relating to their respective operating state and, where appropriate, change their current operating state as a function of the data relating to an operating state of the other subsystem thus exchanged.Type: GrantFiled: November 25, 2020Date of Patent: January 2, 2024Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Benoît Pouhaer, Bernard Schang, Dominique Cazou, Christophe Auffray
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Publication number: 20230419325Abstract: A method for processing data from an input on a touch screen of an electronic terminal including an intermediate transactional server connection module, said method including: —receiving a random variable, from the intermediate transactional server via a secure link; —receiving, from a touch panel controller, coordinates of pressure on the touch panel; —transforming, via a transformation function fTs, the coordinates of pressure on the touch panel using the at least one datum representative of a random variable, thereby delivering a random character datum; —transmitting the datum representative of a random character to a verification terminal.Type: ApplicationFiled: November 29, 2021Publication date: December 28, 2023Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Nicolas CHRUPALLA, Nabil HAMZI
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Publication number: 20230411918Abstract: A memory card reader body includes an upper face consisting of a cover and a lower face consisting of a base in which there is made a through-orifice for receiving a memory card connector, wherein: —said base is a metal component including first means of assembly with said cover, which means are each positioned on at least two opposing sides of said base, —said cover is a metal component including second means of assembly with said base, which means are each positioned on at least two opposing sides of said cover, wherein said first means of assembly are intended to plug together with the second means of assembly to form two lateral walls of said memory card reader body, said lateral walls having the overall shape of a rectangular parallelepiped and extending substantially perpendicular to the lower face of said memory card reader.Type: ApplicationFiled: October 29, 2021Publication date: December 21, 2023Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Jérôme ANDRÉ, Yann GRANDDIDIER
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Publication number: 20230411824Abstract: A system including a structural part of an internal architecture of an electronic terminal, constituted by a rigid material and a radio communications antenna. According to the invention, the system wherein the radio communications antenna is constituted by a previously bent rigid metal wire forming at least one turn around the structural part; and in that the internal structural part includes, on its periphery, means for gripping and guiding the rigid metal wire constituting the radio communications antenna.Type: ApplicationFiled: November 12, 2021Publication date: December 21, 2023Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Vincent HERNANDEZ, Régis BAPTISTE
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Publication number: 20230400940Abstract: A data input device intended to be affixed to a capacitive touch screen of a terminal includes: a substantially parallelepipedal plate including a lower surface, which is substantially planar, for affixing the device to the touch screen, and an upper surface including an array of input zones that form a keyboard and are configured to enable a finger of a user to be detected by the touch screen when the device is affixed thereto; and at least two contact pads, which are electrically conductive and arranged on the lower surface, and each electrically connected to means for discharging, towards the outside of the touch screen, electric charges concentrated at the contact pads when the device is affixed to and held on the touch screen.Type: ApplicationFiled: October 29, 2021Publication date: December 14, 2023Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Stéphane PAVAGEAU, Alain COUSSIEU, Olivier BLANC
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Publication number: 20230396004Abstract: A connector for connecting an electrical termination to a printed circuit. The connector has the shape of a metal plate including: a peripheral area for fastening the connector on the printed circuit; a central orifice for inserting the electrical termination; retaining tabs for retaining the electrical termination, each retaining tab extending from the peripheral area towards the central orifice, and includes an elastically deformable portion attaching the retaining tab to the peripheral area and a free end forming an edge of the central orifice, the free end comprising a curve and a sharp edge, the curve and the sharp edge being respectively positioned opposite to each other so that the curve is oriented towards a first face, called removable assembly face, of the metal plate, and that the sharp edge is oriented towards a second face, called permanent assembly face, of the metal plate, opposite to the first face.Type: ApplicationFiled: October 14, 2021Publication date: December 7, 2023Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Régis BAPTISTE
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Patent number: 11710116Abstract: In the field of payment terminals, a new generation of modular, function-rich payment terminals is appearing. Such smart payment terminals transmit, equally well, data relative to payment transactions and, for example, data relative to software updates. However, at present, a smart payment terminal in incapable of transmitting different data in accordance with their respective transmission constraints. This can represent a considerable cost for the merchant. A communications device is therefore provided to set up two connections simultaneously with two different gateways and thus be capable of exchanging data associated with different transmission parameters. Thus, the communications device can simultaneously transmit data relative to different types of services having distinct transmission parameters.Type: GrantFiled: July 24, 2019Date of Patent: July 25, 2023Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Sylvain De Sa Costa, Michaël Menardais, Mickael Bouyaud
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Patent number: 11704643Abstract: A module for detecting presence of an electronic payment terminal on a receiving dock having a connector intended to co-operate with a complementary connector of the electronic payment terminal. The connector of the receiving dock includes at least one series transmission pin intended for transmitting signals from the electronic payment terminal to the receiving dock. The module is configured to drive at least one module for signaling a presence of the electronic payment terminal on the receiving dock as a function of the voltage on the series transmission pin.Type: GrantFiled: June 17, 2019Date of Patent: July 18, 2023Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Maxime Goulon, Etienne Lebonnois