Abstract: A security architecture for a retail environment providing both on-line and off-line personal identification number (PIN) validation for a smart card transaction using a reduced number of secure access modules (SAMs). In one embodiment, the retail environment includes and security module and numerous fuel dispensers each including a controller and one or more PINpads and card readers. The security module includes one or more SAMs for off-line PIN validation. Each of the PINpads communicates with the security module, and the security module performs either on-line or off-line PIN validation for every PINpad in the retail environment. Accordingly, the security module uses one set of SAMs for off-line validation for every PINpad in the retail environment.

Abstract: Methods and systems for preventing fraudulent acquisition of private transaction information associated with customer input at a fuel dispenser are disclosed. According to one embodiment, a fuel dispenser includes a hose and nozzle combination that receives fuel to dispense to the customer's vehicle. The fuel dispenser includes a user interface having a display and a virtual keypad that is adapted to receive customer input associated with a transaction at the fuel dispenser. The fuel dispenser also includes a control system coupled to the user interface and adapted to determine when customer input is required for the transaction, activate the virtual keypad to facilitate entry of the customer input, receive the customer input from the virtual keypad, deactivate the virtual keypad after the customer input is received, and process the transaction based upon the received customer input.

Abstract: A security architecture for a retail environment providing both on-line and off-line personal identification number (PIN) validation for a smart card transaction using a reduced number of secure access modules (SAMs). In one embodiment, the retail environment includes and security module and numerous fuel dispensers each including a controller and one or more PINpads and card readers. The security module includes one or more SAMs for off-line PIN validation. Each of the PINpads communicates with the security module, and the security module performs either on-line or off-line PIN validation for every PINpad in the retail environment. Accordingly, the security module uses one set of SAMs for off-line validation for every PINpad in the retail environment.

Abstract: A card reader is equipped with an encryption module that encrypts account information derived from a customer's card. The encrypted account information may be sent over unprotected wires to a site controller and a security module. In this manner, the account information is protected from fraudulent interception while minimizing the cost of system installation. The card reader may be a magnetic card reader or a smart card reader.