IP Library Granted Patent US 11,403,639
Granted Patent B2
US 11,403,639 · App. 15/514,279 · Granted Aug 2, 2022

Method of auto-detection of an attempted piracy of an electronic payment card, corresponding card, terminal and program

Inventors: David Naccache (Paris, FR); Laurent Mayer (Courdimanche, FR)
Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDING
G06Q20/4016G06Q20/409
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Quick Facts
Patent No.
US 11,403,639
App. No.
15/514,279
Granted
Aug 2, 2022
Kind
B2
Abstract

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.

Claims (20)

1. A method for auto-detection of an attempt to hack an electronic payment card, wherein the method comprises the following acts implemented by said card:

detecting a sequence of suspect operations implemented in an interaction of a first distinct entity with said card, comprising detecting a sequence of operations that does not correspond to a sequence of operations of a fully performed bank transaction, and storing a corresponding status, called a suspect status, in the card, wherein detecting comprises detecting that not all of the operations of the fully performed bank transaction are implemented or detecting a halt in any one of the operations of the fully performed bank transaction;

interacting by said card with a second distinct entity corresponding to an electronic payment terminal, and authenticating, by said card, said second distinct entity, said act of authenticating corresponding to an act of implementing a full transaction via said electronic payment terminal; and

communicating, by said card, said stored suspect status to said authenticated second distinct entity.

2. The method of auto-detection according to claim 1 , wherein the corresponding status is stored in the card and said storage of said suspect status is done in a specific zone of the memory of said card, so that said storage is guaranteed whatever said performed operations.

3. The method of auto-detection according to claim 1 , wherein said act of communication comprises a sub-act of transmission of at least one command for displaying a warning message on a screen of said second distinct entity.

4. The method of auto-detection according to claim 1 , further comprising processing, in said second distinct entity, said suspect status communicated by said card.

5. The method of auto-detection according to claim 1 , wherein:

said electronic payment terminal is a first electronic payment terminal; and

the first distinct entity corresponds to a second electronic payment terminal.

6. An electronic payment card configured for auto-detection of a hacking attempt, wherein the electronic payment card comprises:

a non-transitory computer-readable medium comprising instructions stored thereon;

a processor configured by the instructions to perform acts comprising:

detecting a sequence of suspect operations implemented in interaction of a first distinct entity with said card, comprising detecting a sequence of operations that does not correspond to a sequence of operations of a fully performed bank transaction, and storing in said card of a corresponding status, called a suspect status, wherein detecting comprises detecting that not all of the operations of the fully performed bank transaction are implemented or detecting a halt in any one of the operations of the fully performed bank transaction;

interacting by said card with a second distinct entity corresponding to an electronic payment terminal, and authenticating said second distinct entity by said card, said act of authenticating corresponding to an act of implementing a full transaction via said electronic payment terminal; and

communicating said stored suspect status by the card to said authenticated second distinct entity.

7. A non-transitory computer-readable medium comprising program code instructions stored thereon for executing a method of auto-detection of an attempt to hack an electronic payment card when the instructions are executed on a processor of the electronic payment card, wherein the instructions configure the electronic payment card to perform acts comprising:

detecting a sequence of suspect operations implemented in interaction of a first distinct entity with said card, comprising detecting a sequence of operations that does not correspond to a sequence of operations of a fully performed bank transaction, and storing a corresponding status, called a suspect status, in the card, wherein detecting comprises detecting that that not all of the operations of the fully performed bank transaction are implemented or detecting a halt in any one of the operations of the fully performed bank transaction;

interacting by said card with a second distinct entity corresponding to an electronic payment terminal, and authenticating, by said card, said second distinct entity, said act of authenticating corresponding to an act of implementing a full transaction via said electronic payment terminal; and

communicating, by said card, said stored suspect status, to said authenticated second distinct entity.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 17, 2021
From: INGENICO GROUP
To: BANKS AND ACQUIRERS INTERNATIONAL HOLDING
Reel/Frame 058173/0055 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 21, 2017
From: NACCACHE, DAVID; MAYER, LAURENT
To: INGENICO GROUP
Reel/Frame 043618/0689 →