Patents Assigned to BANKS AND ACQUIRERS INTERNATIONAL HOLDING
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Patent number: 11625713Abstract: A method for securing the processing of transactional data is disclosed. The method is implemented within a communications terminal comprising a transactional data processing module. The method has: a step for the detection, by the processing module, of a display of at least one entry area relating to a piece of payment means data; a step for the activation, by the processing module, of a contactless data reading module; a step for the obtaining, by the contactless data reading module, of at least one piece of payment means data coming from a payment means; and a step for the furnishing, at said at least one entry area, of at least one piece of payment means data previously obtained.Type: GrantFiled: October 27, 2016Date of Patent: April 11, 2023Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Remi Geraud, Hiba Koudoussi
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Patent number: 11620646Abstract: A method for processing a transaction of a communications terminal, asking a server, through a communications network, for processing of a transaction involving the use of payment data. The method is implemented within the communications terminal. The method includes: transmitting a request for obtaining a certification code to the payment method whose data is used for the transaction; receiving the certification code coming from the payment method; inserting the certification code into a transaction data structure; transmitting the transaction data structure to the server; and when the certification code received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.Type: GrantFiled: May 17, 2019Date of Patent: April 4, 2023Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Pierre Quentin
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Patent number: 11580525Abstract: A device for transmitting/receiving a wireless radio signal. Such a device includes: a first interface for transmitting/receiving a radio signal according to a first transmission technology; a second interface for transmitting/receiving a radio signal according to a second transmission technology; and an adaptation stage (such as a chip), which extracts data from signals coming from the first interface and/or the second interface.Type: GrantFiled: September 28, 2018Date of Patent: February 14, 2023Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Laurent Mege
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Patent number: 11551220Abstract: A method for processing transaction data, implemented by a communications terminal having a touch screen. The method includes: detecting a necessity of entering a piece of personal identification data; transmitting to a card reader connected to the communications terminal a request for supporting a display of a virtual keypad, the request comprising a piece of data representing a passage of the communications terminal from a “master” mode to a “slave” mode of operation, the slave mode leading to implementation of the method for processing transaction data under the exclusive control of the card reader; of entry, by the user on the virtual keypad, of the piece of personal identification data; and receiving, from the card reader, the piece of personal identification data.Type: GrantFiled: November 15, 2017Date of Patent: January 10, 2023Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Pierre Quentin, Christopher Rotsaert
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Patent number: 11544705Abstract: A method for encrypting a piece of payment means data is disclosed. This method is implemented by a payment means having a data processor. Such a method has at least one iteration of the following steps: obtaining a current piece of payment means data from a memory of the payment means; generating a following piece of payment means data as a function of the current piece of payment means data and as a function of an encryption key of the payment means; replacing the current piece of payment means data by the following piece of payment means data within the memory of the payment means.Type: GrantFiled: November 10, 2016Date of Patent: January 3, 2023Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: David Naccache, Remi Geraud, Hiba Koudoussi
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Patent number: 11536785Abstract: A magnetic card reader comprising a groove for shifting of a magnetic card and a magnetic read head mounted on a first printed-circuit board so as to enable reading of a magnetic stripe of the magnetic card. The magnetic read head has a tunnel magnetoresistance sensor called a TMR magnetic sensor positioned in a recess of a side wall of the groove.Type: GrantFiled: January 11, 2019Date of Patent: December 27, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Alain Soubirane, André Carabelli, Thierry Marsaud, Alain Coussieu, Stéphane Pavageau
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Patent number: 11507268Abstract: A method for validating at least one datum entered on a terminal. Such a method includes: detecting at least one contact on a touch entry element of the terminal, the at least one contact defining: the at least one datum entered on said terminal; and a contact area on the touch entry element; detecting, after the detection of at least one contact, at least one displacement movement of another contact on the touch entry element, the at least one displacement movement defining an erasure area on the touch entry element; and validating the at least one entered datum when the erasure area at least partially covers the contact area.Type: GrantFiled: February 4, 2020Date of Patent: November 22, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Stephane Pavageau, Jerome Andre
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Patent number: 11455605Abstract: The invention relates to a method for processing transactional data representing a payment between a user (U) and a merchant (M), the method being implemented by an electronic device for processing transactions situated within a communications network. Such a method comprises: a step (100) for receiving a request for processing a transaction (ReqTT) coming from a merchant server (SerMar); a step (110) for obtaining a piece of data representing a payment parameter (ParPai) associated with said merchant server (SerMar); a step (140) for transmitting a request for processing payment (ReqTrtPai) to a payment server (SerPai).Type: GrantFiled: July 4, 2016Date of Patent: September 27, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Pierre Quentin, Michel Leger
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Patent number: 11443031Abstract: A method for determining validity of a code of an application. The method is implemented within an electronic device having a processor, a non-secure memory and a secure memory. The method includes at least one iteration of: loading the application in the non-secure memory, delivering a current application code; determining a current footprint of the current application code; obtaining, within the secure memory, a reference footprint associated with the application; comparing the current footprint with the reference footprint; and when the current footprint is identical to the reference footprint, validating the current application code, including: executing an optimization process of the current application code, delivering an optimized application code; determining a post-optimization footprint of the optimized application code; and recording the post-optimization footprint in the secure memory as a new reference footprint associated with the application.Type: GrantFiled: June 28, 2019Date of Patent: September 13, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Christian Rolin, Maxime Bernelas
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Patent number: 11416690Abstract: A memory card reader body includes proposed, on an internal face, a receiving recess to receive a memory card connector. The receiving recess has electrically conductive tracks forming a protective mesh for the memory card connector. The conductive tracks are such that they also extend on an external face of the memory card reader body through vias passing through the internal and external faces.Type: GrantFiled: November 3, 2016Date of Patent: August 16, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Stephane Pavageau, Jean-Jacques Delorme, Johann Jadeau
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Patent number: 11403639Abstract: A method of auto-detection of attempted piracy of an electronic payment card. The method includes the following acts implemented by the card: detection of a sequence of suspect operations implemented in interaction with the card, and storing in the card a corresponding suspect status; interaction of the card with a distinct entity and authentication, by the card, of the distinct entity; and communication, by the card, of the stored suspect status to the authenticated distinct entity.Type: GrantFiled: September 24, 2015Date of Patent: August 2, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: David Naccache, Laurent Mayer
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Patent number: 11386242Abstract: A security device for an electronic payment terminal having at least one printed circuit. The security device includes at least one deformable security element designed to be inserted in a housing of the printed circuit. The printed circuit has at least one security circuit including at least one conducting track internal to the printed circuit and interrupted at the housing. Furthermore, the at least one deformable element has at least one conducting surface configured to close the at least one internal conducting track when the deformable element is deformed in the housing.Type: GrantFiled: April 8, 2019Date of Patent: July 12, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Vincent Hernandez
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Patent number: 11308473Abstract: A device and a method for determining a transactional device used for a transaction. More particularly, the device includes a data processor, a memory, an optical sensor, and a set of transactional interfaces. The method includes: obtaining at least one recording coming from the optical sensor), the recording being obtained when a user holds the transactional device in hand; determining at least one confidence score, the at least one confidence score being associated with at least one corresponding input of a structure of data for activating transactional interfaces present within the electronic device; and activating at least one transactional interface associated with the at least one input as a function of the at least one confidence score.Type: GrantFiled: April 11, 2019Date of Patent: April 19, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Thierry Marsaud
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Patent number: 11295038Abstract: A method for securing entry of sensitive data, the method being implemented by a communications terminal having a processor, an entry touchpad screen on which the entry of sensitive data is carried out. Such a method includes: displaying a random keypad for the entry of a confidential code; receiving, by the processor, a reference pad display signal; and displaying the reference keypad, the reference keypad being inactive.Type: GrantFiled: November 27, 2017Date of Patent: April 5, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventor: Jerome Marcon
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Patent number: 11227054Abstract: A method for controlling access to preliminarily identified computer resources is disclosed. The access is controlled so as to prevent the circumventing, by malicious applications, of barriers set up to prevent them from communicating when they are executed on one or more processors of an electronic device The method is implemented by an electronic device having access to the resources to be controlled. The method includes: receiving a request, coming from a program, for access to a current resource; obtaining at least one access parameter for access to the current resource within a resource-characterizing data structure; and modulating access to the current resource as a function of the at least one access parameter.Type: GrantFiled: February 21, 2017Date of Patent: January 18, 2022Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Remi Geraud, David Naccache
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Patent number: 10672569Abstract: A keypad for an electronic data-entry device. The keypad includes: a plurality of keys defining a layer of keys; a connection printed-circuit board having a key-press detection portion having an external face oriented towards the layer of keys and an internal face opposite the external face; for each key of the layer of keys, an interconnection element and at least one pair of contacts on the connection printed-circuit board, the interconnection element being intended for making the electrical connection of the contacts of the pair of contacts when the associated key is pressed. The connection printed-circuit board is a flexible printed-circuit board further including a connecting portion forming a fold beneath the internal face of the key-press detection portion, and the pair of contacts is disposed on the internal face.Type: GrantFiled: March 22, 2018Date of Patent: June 2, 2020Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDINGInventors: Andre Carabelli, Stephane Pavageau