Banks and Acquirers International Holding

France

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Date
2025 September 2
2025 July 4
2025 (YTD) 27
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IPC Class
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices 60
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists 46
G06Q 20/20 - Point-of-sale [POS] network systems 44
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card 35
G06Q 20/38 - Payment protocolsDetails thereof 29
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NICE Class
09 - Scientific and electric apparatus and instruments 26
36 - Financial, insurance and real estate services 21
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1.

METHOD FOR IMPLEMENTING A TRANSACTION ON AN ELECTRONIC PAYMENT TERMINAL OF A MERCHANT

      
Application Number EP2025057643
Publication Number 2025/196188
Status In Force
Filing Date 2025-03-20
Publication Date 2025-09-25
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Feuillette, Rémi
  • Grandemenge, Jérome

Abstract

The present invention relates to a method for implementing a transaction, on an electronic payment terminal (2) of a merchant, requiring a bank domiciliation card storing information for identifying the merchant, the method being characterised in that it comprises implementing, using data processing means (31) of a server (3) which comprises data storage means (32) storing the merchant identification information associated with a mobile terminal (1) of the merchant and which is connected via a communication network (20) to the electronic payment terminal (2) and to the mobile terminal (1), the steps of: (a) receiving, from the electronic payment terminal (2), a request to authorise the transaction; (b) transmitting an authentication token to the electronic payment terminal (2); (c) receiving the authentication token from the mobile terminal (1); (d) if the authentication token received from the mobile terminal (1) matches the authentication token transmitted to the electronic payment terminal (2), transmitting an authorisation to the electronic payment terminal (2) to implement the transaction; wherein step (c) comprises the prior transmission of a message containing the authentication token from the electronic payment terminal (2) to the mobile terminal (1), via a proximity communication channel.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

2.

METHOD FOR INITIALISING AN ELECTRONIC PAYMENT TERMINAL OF A MERCHANT

      
Application Number EP2025057641
Publication Number 2025/196187
Status In Force
Filing Date 2025-03-20
Publication Date 2025-09-25
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Feuillette, Rémi
  • Grandemenge, Jérome

Abstract

The present invention relates to a method for initialising an electronic payment terminal (2) of a merchant, which method requires a 'domiciliation' (direct debit) card storing the merchant's identification information, the method being characterised in that it comprises the steps of: (a) receiving, by a server (3) comprising data storage means (32) storing the merchant's identification information uniquely associated with a mobile terminal (1) of the merchant, which server is connected, via a communication network (20), to the electronic payment terminal (2) and to the mobile terminal (1), a request to initialise the electronic payment terminal (2); (b) transmitting data required to initialise the electronic payment terminal (2) to the mobile terminal (1); (c) transmitting a message containing the data required to initialise the electronic payment terminal (2), from the mobile terminal (1) to the electronic payment terminal (2) via a proximity communication channel; (d) initialising the electronic payment terminal (2) using the received data.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

3.

MECHANISM, AND USE OF THE MECHANISM, FOR PLACING, ON A WALL OF A DEVICE, AN ASSEMBLY COMPRISING THE MECHANISM, AND THE ASSEMBLY

      
Application Number EP2025050367
Publication Number 2025/149538
Status In Force
Filing Date 2025-01-08
Publication Date 2025-07-17
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Yernaux, Olivier

Abstract

The invention relates to a mechanism (1) for placing, on a target location (15) on a wall (16) of a device, an assembly (10) comprising a support (11) and a surface-mounted component (13), the mechanism (1) comprising at least one resilient tab (2, 3) which is attached to the wall (16) and comprises another, free portion (2'',3''), the at least one tab (2, 3) being configured to be tensioned when it is positioned at a distance from the wall (16), in order to insert the assembly (10) in an insertion direction (DI), the mechanism further comprising at least one clearance face (4, 5) protruding from the wall (16) such that at least part of the support (11) bears against the at least one clearance face (4, 5) during the insertion of the assembly (10), the protrusion determining a spacing between the support (11) and the wall (16) to allow the surface-mounted component (13) to pass, without making contact with the wall (16) during the insertion of the assembly (10), the at least one clearance face (4, 5) also being positioned on the wall (16) and dimensioned such that, when the surface-mounted component (13) on the support faces the target location (15), an expansion of the at least one resilient tab (2, 3) has the effect of pressing the support (11) against the wall (16), the surface-mounted component (13) on the support being pressed against the target location (15).

IPC Classes  ?

  • H04M 1/03 - Constructional features of telephone transmitters or receivers, e.g. telephone hand-sets
  • H04R 1/04 - Structural association of microphone with electric circuitry therefor
  • H05K 7/14 - Mounting supporting structure in casing or on frame or rack

4.

DEVICE COMPRISING AN ASSEMBLY OF SEVERAL COMPONENTS WITH A FIBROUS-MATERIAL COMPONENT

      
Application Number FR2025050020
Publication Number 2025/149728
Status In Force
Filing Date 2025-01-08
Publication Date 2025-07-17
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Yernaux, Olivier

Abstract

A device (10) comprising an assembly of at least three components, the at least three components comprising a first component (11), a second component (12), and a fibrous-material component (13), the first component (11) and the second component (12) bearing against the fibrous-material component (13), one on each side of the fibrous-material component (13), such that the fibrous-material component (13) is clamped between the first component (11) and the second component (12).

IPC Classes  ?

  • G06F 1/16 - Constructional details or arrangements

5.

IMPACT TEST DEVICE AND METHOD FOR CARRYING OUT AN IMPACT TEST

      
Application Number EP2024085770
Publication Number 2025/140858
Status In Force
Filing Date 2024-12-11
Publication Date 2025-07-03
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Bal, Nicolas
  • Laurent, Yoan
  • Nalbant, Herman

Abstract

The invention relates to an impact test device (1) comprising: - a projectile guide (10) capable of guiding the translation of a projectile (60) between at least a first projectile position and a second projectile position corresponding to an impact position; - a detector (80) capable of determining that the projectile (60) occupies the second projectile position and of generating an impact datum representative of a determination by the detector that the projectile (60) occupies the second projectile position; - an immobilisation system (20) capable of immobilising the projectile (60) in a third projectile position offset with respect to the second projectile position, the third position corresponding to a projectile immobilisation position; - a control unit (90) capable of receiving, from the detector (80), the impact datum generated by the detector (80), the control unit (90) also being capable of sending, to the immobilisation system (20) and upon receiving the impact datum, a control datum in order to cause the immobilisation system (20) to immobilise the projectile (60) in the third projectile position.

IPC Classes  ?

6.

TOUCH-SENSITIVE TERMINAL AND SECURITY SYSTEM

      
Application Number EP2024085874
Publication Number 2025/140861
Status In Force
Filing Date 2024-12-12
Publication Date 2025-07-03
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Panetta, Florence
  • Quenet, Alexandre
  • Morel, Pierre
  • Cochet, Damein
  • Guillet, Antoine

Abstract

The invention relates to an electronic terminal (10, 10') comprising a touch-sensitive display device (20, 20'), an electronic board (30, 30'), a protective housing (40, 40') within which the electronic board (30, 30') can be arranged and at least one security system configured to detect an attempt to open the protective housing (40, 40') and to disconnect the touch-sensitive display device (20, 20'), the at least one security system comprising a first security system element (70, 70', 90) housed in the protective housing (40, 40') and comprising at least one conductive element and a second security system element (80, 80', 80'', 80''') comprising a flexible printed circuit connected to the touch-sensitive display device (20, 20') and comprising at least two separate conductive tracks, the at least one conductive element of the first security system element (70, 70', 90) being able to establish an electrical junction of the at least two separate conductive tracks of the second security system element (80, 80', 80'', 80''').

IPC Classes  ?

  • G06F 1/18 - Packaging or power distribution
  • G06F 21/82 - Protecting input, output or interconnection devices
  • G06F 21/86 - Secure or tamper-resistant housings
  • G06F 3/041 - Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means

7.

Code shield for an electronic payment terminal and corresponding electronic payment terminal

      
Application Number 19076258
Status Pending
Filing Date 2025-03-11
First Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Hernandez, Vincent

Abstract

A removable code shield intended to be assembled to an electronic payment terminal in a reversible manner, thanks to first and second reversible attachments located on the outer face of at least one of the lateral walls of the cache code. The first reversible attachment is formed by at least one excrescence extending obliquely in relation to a plane of the outer face of the lateral wall.

IPC Classes  ?

  • G06F 21/83 - Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
  • F16B 21/09 - Releasable fastening devices with a stud engaging a keyhole slot
  • G06F 3/02 - Input arrangements using manually operated switches, e.g. using keyboards or dials
  • G06F 21/31 - User authentication
  • G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
  • G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal

8.

BIOMETRIC ENROLMENT HOLOGRAPHIC STATION

      
Application Number EP2024085240
Publication Number 2025/131814
Status In Force
Filing Date 2024-12-09
Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Schadkowski, Maxime
  • Dubreuil, Arnaud
  • Quentin, Pierre
  • Colnet, Romain

Abstract

The invention is a biometric enrolment station (1) comprising: - a medium (9) for a light image (11), the light image forming a source image (11); - a holographic pane (13) configured to project the source image (11), the projected source image forming a hologram (15), the hologram (15) being the result of an orthogonal symmetry of the source image (11) about a plane of the pane (13); - a sensor (25) for sensing biometric data of a hand (27) of a user (3); the source image (11), the pane (13) and the sensor (25) being arranged with respect to one another such that the hologram (15) defines an optimal position for capturing biometric data of a hand (27) of a user (3) by way of the sensor (25).

IPC Classes  ?

  • G06V 40/145 - Sensors therefor
  • G06V 40/50 - Maintenance of biometric data or enrolment thereof
  • G06V 40/60 - Static or dynamic means for assisting the user to position a body part for biometric acquisition

9.

AUGMENTED REALITY BIOMETRIC ENROLMENT METHOD

      
Application Number EP2024086296
Publication Number 2025/132100
Status In Force
Filing Date 2024-12-13
Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Schadkowski, Maxime

Abstract

The invention relates to a biometric enrolment method comprising the implementation of the following steps: - obtaining a video stream showing the vicinity of a capture device (2) for capturing biometric data from a hand (3); - when a user (4) displays their hand to the capture device (2), obtaining a virtual mask of the hand (3) from the video stream; - generating a virtual hand (13) from the virtual mask; - integrating the generated virtual hand (13) into the video stream in a position indicating an optimal theoretical position of the hand (3) of the user (4); - displaying the video stream comprising the integrated virtual hand (13) on a screen (7) visible to the user (4); - once the position of the hand (3) of the user (4) has been validated, capturing the biometric data from the hand of the user.

IPC Classes  ?

  • G06V 40/50 - Maintenance of biometric data or enrolment thereof
  • G06V 40/60 - Static or dynamic means for assisting the user to position a body part for biometric acquisition
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06V 40/14 - Vascular patterns
  • G06V 20/20 - ScenesScene-specific elements in augmented reality scenes

10.

METHOD FOR ENTERING A CODE ON A TOUCH SURFACE OF AN ELECTRONIC PAYMENT TERMINAL

      
Application Number EP2024087209
Publication Number 2025/132647
Status In Force
Filing Date 2024-12-18
Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Pavageau, Stéphane
  • Moreno, Yanis
  • Blanc, Olivier

Abstract

The invention relates to a method for entering, on a touch surface (12), a code comprising a first number of characters, the method comprising: a) detecting contact exerted by a user on the touch surface (12); b) emitting, by the touch surface (12), a series of at least one counting vibration (26, 28, 30, 32) that can go up to a second number of vibrations; c) detecting the cessation of contact after a third number of vibrations, which is included between 1 and the second number; d) recording the third number of vibrations, which corresponds to a character of the code; e) repeating steps a) to d) until a number of characters equal to the first number is recorded, wherein, when the series of at least one counting vibration comprises two counting vibrations (26, 28, 30, 32), two consecutive counting vibrations are separated by a time interval (D1, D2, D3), the duration of which is random.

IPC Classes  ?

  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
  • G06F 3/023 - Arrangements for converting discrete items of information into a coded form, e.g. arrangements for interpreting keyboard generated codes as alphanumeric codes, operand codes or instruction codes
  • G06F 3/0354 - Pointing devices displaced or positioned by the userAccessories therefor with detection of 2D relative movements between the device, or an operating part thereof, and a plane or surface, e.g. 2D mice, trackballs, pens or pucks
  • G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
  • G06F 21/31 - User authentication
  • G06F 21/83 - Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
  • G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
  • G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • G09B 21/00 - Teaching, or communicating with, the blind, deaf or mute
  • H04M 1/72481 - User interfaces specially adapted for cordless or mobile telephones specially adapted for disabled users for visually impaired users
  • G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text

11.

METHOD FOR OBTAINING A CANDIDATE BIOMETRIC DATA ITEM OF AN INDIVIDUAL FOR AUTHENTICATING THAT INDIVIDUAL

      
Application Number EP2024087905
Publication Number 2025/133118
Status In Force
Filing Date 2024-12-20
Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Quentin, Pierre

Abstract

The present invention relates to a method for obtaining a candidate biometric data item of an individual for authenticating that individual, the method comprising carrying out, using data processing means of a terminal (1), the steps of: (a) displaying an interface requesting the acquisition of the candidate biometric data item, which acquisition is carried out using a sensor (13) of the terminal (1), from a biometric trait of the individual; (b) transmitting a request to verify the authenticity of the interface to an authentication server (2), the request uniquely identifying the individual; (c) receiving, in response, from the authentication server (2), a graphic customisation element associated with the individual; (d) displaying the graphic customisation element in a manner associated with the interface; (e) acquiring the candidate biometric data item, using the sensor (13), from the biometric trait of the individual.

IPC Classes  ?

  • G06V 40/50 - Maintenance of biometric data or enrolment thereof
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06V 40/12 - Fingerprints or palmprints
  • G06V 40/16 - Human faces, e.g. facial parts, sketches or expressions
  • H04L 9/40 - Network security protocols

12.

TRANSACTION METHOD WITH ADVERTISEMENT DISPLAY AND TRACKING

      
Application Number EP2024085717
Publication Number 2025/131934
Status In Force
Filing Date 2024-12-11
Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Quentin, Pierre
  • Espoir, Laurent

Abstract

The invention relates to a method for tracking the routes taken by customers between merchants, wherein the method comprises the steps of: during a first transaction between a customer and a first merchant (ML1), acquiring, via a payment terminal (TP1), an identifier (CI1) of a payment device (CPi) of the customer, and presenting to the customer, on a display screen, a document associated with an identifier (ID2) of a second merchant (ML2); storing the data relating to the first transaction in a database (CB); during a second transaction between the customer and the second merchant, acquiring, via a payment terminal (TP2), the identifier of the payment device; storing, in the database, the data relating to the second transaction; and determining, using the database, that the customer viewed the document at the first merchant and made a purchase at the second merchant.

IPC Classes  ?

13.

IMPROVED KEYPAD DATA INPUT DEVICE FORMING IN PARTICULAR A PAYMENT TERMINAL

      
Application Number EP2024086281
Publication Number 2025/132094
Status In Force
Filing Date 2024-12-13
Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Pavageau, Stéphane
  • Yernaux, Olivier

Abstract

The invention relates to a data input device (14) comprising: - a keypad (20) in which different so-called activatable zones (Z) are defined that a user can selectively activate using a finger, - means (30) for identifying each activatable zone (Z) which is activated by a user, referred to as activated zone identification means (30). The data input device (14) further comprises: - a haptic actuator (24) coupled to the keypad (20), and - means for controlling the haptic actuator (24), which means are electrically connected to the activated zone identification means (30) so as to allow data to be transmitted between the activated zone identification means (30) and the means for controlling the haptic actuator (24). The means for controlling the haptic actuator (24) are configured such that the haptic actuator (24) outputs, to the keypad (20), a haptic effect specific to each activatable zone (Z), the activation of which is detected by the activated zone identification means (30).

IPC Classes  ?

  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
  • G06F 3/04886 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures by partitioning the display area of the touch-screen or the surface of the digitising tablet into independently controllable areas, e.g. virtual keyboards or menus
  • G06F 3/0354 - Pointing devices displaced or positioned by the userAccessories therefor with detection of 2D relative movements between the device, or an operating part thereof, and a plane or surface, e.g. 2D mice, trackballs, pens or pucks
  • G06F 3/044 - Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means by capacitive means

14.

METHOD FOR DEMATERIALISING A TRANSACTION TICKET FOLLOWING THE EXECUTION OF A TRANSACTION BETWEEN A MERCHANT AND A USER

      
Application Number EP2024086946
Publication Number 2025/132468
Status In Force
Filing Date 2024-12-17
Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Quentin, Pierre

Abstract

The present invention relates to a method for dematerialising a transaction ticket following the execution of a transaction between a merchant and a user, wherein the method is characterised in that it comprises the implementation, by data processing means (31) of a mobile terminal (3) of the user, of the steps of: (a) receiving a data set provided by the merchant, containing a link to a web application and first data representative of the transaction; (b) invoking the link so as to implement the web application; (c) transmitting, to a server (2), a request for a dematerialised transaction ticket, generated according to the first data representative of the transaction; (d) receiving, by the web application, the dematerialised transaction ticket in return.

IPC Classes  ?

15.

TRANSACTION METHOD WITH MULTIMEDIA DATA DISPLAY

      
Application Number EP2024087048
Publication Number 2025/132543
Status In Force
Filing Date 2024-12-18
Publication Date 2025-06-26
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Quentin, Pierre
  • Espoir, Laurent

Abstract

The invention relates to a transaction method, comprising the steps of: during a payment transaction between a client and a merchant (ML1), establishing a communication link between a payment terminal (TP1) of the merchant and a mobile terminal (MT1) of the client; the payment terminal (TP1) acquiring a payment device identifier (CI1); transmitting transaction data to a server (PSRV); the server transmitting to the client terminal an access link (PNLK) to access an application (WP); upon activation of the access link, the mobile terminal transmitting to the server a request to access the application containing the access link and the payment device identifier; upon receiving the access request, the server generating and transmitting a progressive web application to the mobile terminal; and the mobile terminal receiving and executing the application.

IPC Classes  ?

16.

METHOD FOR AUTHENTICATING AN INDIVIDUAL FOR THE EXECUTION OF A TRANSACTION ON A MERCHANT TERMINAL

      
Application Number EP2024086204
Publication Number 2025/125562
Status In Force
Filing Date 2024-12-13
Publication Date 2025-06-19
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Schadkowski, Maxime

Abstract

The present invention relates to a method for authenticating an individual for the execution of a transaction on a merchant terminal (2) connected, via a network (20), to a transaction validation server (3), wherein the method is characterised in that it comprises carrying out, by data processing means (12) for processing the data of a customer terminal (1) of the individual, also connected to the server (3) via the network (20), the steps of: (c) receiving an authentication request to authenticate the individual, transmitted by the merchant terminal (2) via a proximity communication channel between the customer terminal (1) and the merchant terminal (2), wherein the authentication request to authenticate the individual contains a secret key of the server (3); (d) establishing a secure communication channel between the customer terminal (1) and the server (3), referred to as the second secure channel, using the secret key of the server (3); (e) transmitting authentication data for the individual to the server (3), via the second secure channel, in response to the authentication request.

IPC Classes  ?

  • G06F 21/31 - User authentication
  • G06F 21/42 - User authentication using separate channels for security data
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • H04L 9/40 - Network security protocols
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/38 - Payment protocolsDetails thereof
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
  • G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal

17.

"HANDS-FREE" TRANSACTION METHOD USING A MOBILE TERMINAL

      
Application Number EP2024086294
Publication Number 2025/125604
Status In Force
Filing Date 2024-12-13
Publication Date 2025-06-19
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Quentin, Pierre
  • Vanophalvens, Mark
  • Pavageau, Stéphane
  • Marsaud, Thierry

Abstract

The invention relates to a transaction method that comprises the steps of: sending, by a first communication interface of first and second access points (EB, PB), a request to activate a second communication interface; receiving, by the first interface of the access point (EB, PB), a user identifier (UID), sent by a user terminal (UT1-UT3); determining a distance between the user terminal and the access point, according to transmission times of messages exchanged between the second interface of the access point and the user terminal; when the distance with the first access point is less than a first threshold, obtaining payment data of the user from a remote server (GSRV); and, when the distance with the second access point is less than a second threshold, sending, by a transaction terminal (RT), a request containing the payment data and the transaction data.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

18.

METHOD FOR RECORDING A DIGITAL TICKET RELATING TO A TRANSACTION

      
Application Number EP2024084719
Publication Number 2025/119997
Status In Force
Filing Date 2024-12-04
Publication Date 2025-06-12
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Candel, Gaëlle

Abstract

The invention is a method for recording a digital ticket relating to a transaction, the method being implemented by computer and characterised in that it comprises the following steps: - generating a digital ticket (14) relating to a transaction; - timestamping the digital ticket (14); - transmitting a transaction identifier (7) from a payment device (2) used for the transaction to a payment terminal (3) used for the transaction; - generating a digital ticket identifier (18) on the basis of the transaction identifier (7); - transmitting the digital ticket (14), the digital ticket identifier (18), and the digital ticket timestamp (15), associated with one another, to a digital ticket database (5).

IPC Classes  ?

19.

METHOD FOR IMPLEMENTING A TRANSACTION

      
Application Number EP2024084953
Publication Number 2025/120101
Status In Force
Filing Date 2024-12-05
Publication Date 2025-06-12
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Schadkowski, Maxime

Abstract

The invention relates to a method (100, 200) for implementing a transaction comprising the following steps, which are executed by a computer server (15) of a transaction service: receiving (Ers) an identification datum for a user of a first communication device (11) and/or of an identification datum for a user of a second communication device (12), a voice communication session (Scom) between the first communication device (11) and the second communication device (12) having been previously established; identifying a first user of the transaction service on the basis of the identification datum of the user of the first communication device (11) and/or identifying a second user of the transaction service on the basis of the identification datum of the user of the second communication device (12); receiving (Ern, E'm) at least one item of transaction information and/or a transaction validation; carrying out (Ereatra, E'reatra) a transaction on the basis of the at least one item of transaction information and/or the transaction validation.

IPC Classes  ?

  • G06Q 20/16 - Payments settled via telecommunication systems
  • G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

20.

PROTECTION DEVICE FOR AN INTEGRATED CIRCUIT AND METHOD FOR MANUFACTURING SUCH A MODULE

      
Application Number EP2024085133
Publication Number 2025/120188
Status In Force
Filing Date 2024-12-06
Publication Date 2025-06-12
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Allirot, Richard
  • Wolff, Caroline
  • Blanc, Hugo
  • Vassy, Lilian

Abstract

The invention relates to a device for protecting against an attack against an electronic component (IC) installed on a printed circuit block (BD), the protection device (PM) comprising: a multilayer printed circuit board comprising upper layers and lower layers, the lower layers being machined to form two pillars (S1, S2) of a bridge, the pillars defining therebetween and with a lower face (LF) of the upper layers, a volume that is configured to house the component, the pillars having a height that allows the lower face to define an empty space with an upper face of the component when the component and the protection device arranged above the component are attached to the printed circuit block (BD), and conductive tracks formed in the upper and lower layers and connecting together connecting elements of the protection device that are formed in a lower conductive layer of each of the pillars.

IPC Classes  ?

  • H05K 5/02 - Casings, cabinets or drawers for electric apparatus Details

21.

DENIABLE PROTOCOL WITH ZERO KNOWLEDGE INPUT

      
Application Number EP2024079259
Publication Number 2025/083096
Status In Force
Filing Date 2024-10-16
Publication Date 2025-04-24
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Naccache, David

Abstract

The present invention relates to a method for executing a transaction between a first device (1), referred to as the proof device, and a second device (2), referred to as the verification device, comprising the steps of: (a) generating, by data processing means (11) of the first device (1), the general parameters and the public and private keys for a Σ-protocol zero-knowledge proof protocol, which are linked to the transaction, and transmitting the general parameters and the public key, but not the private key, to the second device (2); (b) verifying, by data processing means (21) of the second device (2), the knowledge of the private key by the first device (1) according to the general parameters and the public key, wherein the verification step comprises the steps (b2, b3, b4) of executing the Σ-protocol. (c) If the knowledge of the private key by the first device (1) is verified, the transaction is carried out by the second device (2); the method being characterised in that the step (b) comprises, before the steps (b2, b3, b4) of executing the Σ-protocol, the prior step of transmitting (b1), to the first device (1) an engagement value of a challenge value of the Σ-protocol.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
  • H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols

22.

DATA INPUT DEVICE COMPRISING MEANS FOR DETECTING A SPY DEVICE, AND CORRESPONDING DETECTION METHOD AND COMPUTER PROGRAM

      
Application Number 18716577
Status Pending
Filing Date 2022-11-23
First Publication Date 2025-02-13
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Goulon, Maxime
  • Michiel, Gregory
  • Testu, Dominique

Abstract

A data input device including a keypad. The data input device includes at least one proximity sensor positioned within a housing formed in an element of the device forming a projection in the vicinity of the keypad, the proximity sensor being oriented toward the keypad, the proximity sensor delivering measurements; and a program for analysing the measurements, delivering information representative of the presumed presence of a spy device on the keypad when the measurements are higher than a predetermined threshold for a predetermined time period.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal

23.

Method and Device for Protecting Data Entered by Means of a Non-Secure User Interface

      
Application Number 18917218
Status Pending
Filing Date 2024-10-16
First Publication Date 2025-02-06
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Géraud, Rémi
  • Quentin, Pierre
  • Sylla, Mamoudou

Abstract

In the field of payment terminals, a new generation of feature-rich payment terminals is emerging. These payment terminals are mass-produced and the level of security provided for data entry operations is low because the primary function of these communication terminals is not the entry of sensitive data. As a result, the data relating to payment transactions entered via these payment terminals are entered with a level of security that is not adequate as regards the sensitivity of the data entered. Accordingly, a communication terminal is provided, which secures data entered via a user interface of a communication terminal, by transmitting them among a stream of dummy data, and by encrypting all data, those actually entered by a user and the dummy data, before the transmission thereof to a secure data processing device.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

24.

METHOD FOR REMOTELY TAKING CONTROL OF A PAYMENT TERMINAL OR SIMILAR, AND ASSOCIATED PAYMENT TERMINAL

      
Application Number 18712992
Status Pending
Filing Date 2022-11-23
First Publication Date 2025-01-16
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Reiffsteck, Laurent
  • Mourand, Olivier

Abstract

A method for remotely taking control of a payment terminal. The method, implemented by a payment terminal software module, includes the steps of implementation of security measures restricting take-over of control, including at least a step of deactivation, within the payment terminal, of the reading means of a payment device; exchange of signalling data with a connection server, including the transmission of signalling data associated with the payment terminal and the receipt of signalling data associated with a potential remote terminal for the take-over of control; establishment of a point-to-point connection between the remote terminal and the payment terminal, the connection including at least one continuous video broadcast stream of information displayed on a screen of the payment terminal and one stream for the receipt of at least one command from the remote terminal.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • G06Q 20/38 - Payment protocolsDetails thereof
  • H04N 21/414 - Specialised client platforms, e.g. receiver in car or embedded in a mobile appliance

25.

Payment terminal

      
Application Number 35518593
Grant Number D1057815
Status In Force
Filing Date 2022-10-11
First Publication Date 2025-01-14
Grant Date 2025-01-14
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Blanc, Olivier

26.

METHOD FOR IDENTIFYING A PHYSICAL PERSON

      
Application Number EP2024068431
Publication Number 2025/003510
Status In Force
Filing Date 2024-07-01
Publication Date 2025-01-02
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Candel, Gaëlle

Abstract

The invention relates to a method (200) for identifying a physical person, the method being computer-implemented and comprising a step of generating (207) a link value, a step of obtaining (211) a verification value, associated with a corresponding link value in an identity database, and a step of obtaining (212), from the identity database, a personal identifier that is associated, in the identity database, with the link value.

IPC Classes  ?

  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06F 21/31 - User authentication
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

27.

ANTENNA FOR ELECTRONIC PAYMENT TERMINAL

      
Application Number EP2024068397
Publication Number 2025/003497
Status In Force
Filing Date 2024-06-28
Publication Date 2025-01-02
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Hernandez, Vincent

Abstract

The invention relates to an antenna for an electronic payment terminal (2), which includes: - a support member (4) comprising a plurality of support elements (10), in the general shape of a straight cylinder with a concave base, articulated pairwise at axial ends about pivot connections (12) having parallel axes of rotation, each support element (10) having a receiving cavity; and - an electrically conductive member (6) configured to be accommodated in the receiving cavities.

IPC Classes  ?

  • H01Q 1/22 - SupportsMounting means by structural association with other equipment or articles
  • H01Q 1/12 - SupportsMounting means
  • H01Q 7/00 - Loop antennas with a substantially uniform current distribution around the loop and having a directional radiation pattern in a plane perpendicular to the plane of the loop

28.

METHOD FOR IMPLEMENTING A TRANSACTION ON A TERMINAL

      
Application Number EP2024062564
Publication Number 2024/235743
Status In Force
Filing Date 2024-05-07
Publication Date 2024-11-21
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Blanc, Olivier
  • Feuillette, Rémi

Abstract

The present invention relates to a method for implementing a transaction on a terminal (1) comprising data processing means (11) and display means (13), characterized in that it comprises the data processing means (11) implementing steps of: (a) displaying, on said display means (13), a global interface zone (ZG) of an application for implementing said transaction; (b) displaying, on said display means (13), at least a first intermediate interface zone (ZI1) corresponding to one operating mode of said application selected from among a plurality of possible operating modes of said application, the first intermediate interface zone (ZI1) being strictly contained within the global interface zone (ZG); (c) displaying, on said display means (13), an action zone (ZA) depending on said selected operating mode, the action zone (Z3) being strictly contained within the first intermediate interface zone (ZI1); (d) implementing said transaction using said action zone (ZA).

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06F 3/04886 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures by partitioning the display area of the touch-screen or the surface of the digitising tablet into independently controllable areas, e.g. virtual keyboards or menus
  • G06Q 20/20 - Point-of-sale [POS] network systems

29.

INGENICO MANAGE 360

      
Application Number 1821717
Status Registered
Filing Date 2024-08-30
Registration Date 2024-08-30
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

Software; software packages; recorded software; recorded computer programs; recorded or downloadable software platforms; downloadable computer programs; management software; software for processing payments, fund transfers, monetary and financial transactions; software applications for mobile apparatus for payments, fund transfers, monetary and financial transactions; downloadable software applications; e-commerce and electronic payment software; systems for secure payment transactions; downloadable data files; electronic payment instruments and apparatus; point-of-sale terminals; credit card terminals; cryptographic and biometric payment apparatus and devices; operating systems for payment terminals and point-of-sale terminals; interfaces [for computers]; mechanisms for coin-operated apparatus; cash registers. Financial, monetary and banking services; financial affairs; monetary affairs; electronic payment via terminals; processing services for payments, monetary and financial transactions, fund transfers; financial management; electronic transfer of funds. Software as a Service [SaaS]; computer Platform as a Service [PaaS]; user authentication services using technology for e-commerce transactions; user authentication services using single sign-on technology for online software applications; data encryption services; computer technology consulting services; consultation with respect to software; software development in the framework of software publishing; design and development of computer hardware and software; development of computer platforms; surveying [engineering work]; software installation; updating of software; software maintenance; provision of online non-downloadable software; software rental; rental of payment terminals; off-site data backup; electronic data storage; remote monitoring of the operation of point-of-sale terminals and electronic payment apparatus and instruments.

30.

METHOD FOR CONTACTLESS INTERACTIONS WITH A PAYMENT TERMINAL, CORRESPONDING PAYMENT TERMINAL AND COMPUTER PROGRAM

      
Application Number 18254652
Status Pending
Filing Date 2021-11-29
First Publication Date 2024-10-24
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Mege, Laurent

Abstract

A method for processing modulations of an electromagnetic field of a contactless payment terminal. Said contactless payment terminal emits an electromagnetic field to establish a near-field communication (NFC) with a user's payment device. In particular, the method includes the following steps, which are carried out inside the payment terminal: —detecting, by means of the payment terminal, at least one modulation of the emitted electromagnetic field, the at least one modulation resulting from at least one touch of the payment device on the payment terminal, —determining a modulation frequency N of the electromagnetic field emitted by the payment terminal, said frequency N being a number greater than or equal to 1 and corresponding to N touches of the payment device on the payment terminal, —selecting at least one function on the payment terminal according to the modulation frequency N of the determined electromagnetic field.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

31.

METHOD FOR LISTENING TO A MULTIPOINT-TYPE BUS (MDB)

      
Application Number FR2024050296
Publication Number 2024/189289
Status In Force
Filing Date 2024-03-12
Publication Date 2024-09-19
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Moreno, Yanis
  • Fabregoule, Olivier

Abstract

The invention relates to a method for listening to data transmitted by a multipoint-type bus (MDB), the method comprising the steps of: connecting a terminal (MT) to a first link (L3) to be observed of the MDB bus (B2); transmitting a data signal emitted by a slave device (SL1, SL2) to a master device (MS1); interposing a matching circuit (ACT) on the first link to be observed; receiving a data signal transmitted by the slave device; transforming the received data signal by increasing a voltage gap between a high state and a low state of the data signal, and reducing a transition time between the high state and the low state; transmitting the transformed data signal to the master device and to the terminal; and acquiring, by the terminal and the master device, data transmitted by the transformed data signal, to the connection point of the master device and the terminal.

IPC Classes  ?

32.

INGENICO MANAGE 360

      
Application Number 236198200
Status Pending
Filing Date 2024-08-30
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

(1) Logiciels; progiciels; logiciels enregistrés; programmes informatiques enregistrés; plateformes logicielles, enregistrées ou téléchargeables; programmes informatiques téléchargeables; logiciels de gestion; logiciels pour le traitement de paiements, de transferts de fonds, de transaction monétaires et financières; applications logicielles pour appareils mobiles de paiements, de transferts de fonds, de transaction monétaires et financières; applications logicielles téléchargeables; logiciels de commerce électronique et de paiement électronique; systèmes de transactions de paiements sécurisées; fichiers de données téléchargeables; appareils et instruments de paiement électronique; terminaux de point de vente; terminaux pour cartes de crédit; appareils et dispositifs cryptographiques et biométriques de paiement; systèmes d'exploitation pour terminaux de paiement et terminaux de points de vente; interfaces [informatique]; mécanismes pour appareils à prépaiement; caisses enregistreuses. (1) Services financiers, monétaires et bancaires; affaires financières; affaires monétaires; paiement électronique par le biais de terminaux; services de traitement de paiements, de transactions monétaires et financières, de transfert de fonds; gestion financière; transfert électronique de fonds. (2) Logiciels en tant que service [SaaS]; plateforme informatique en tant que service [PaaS]; services d'authentification d'utilisateur par voie technologique pour transactions de commerce électronique; services d'authentification d'utilisateur au moyen de la technologie d'authentification unique pour applications logicielles en ligne; services de chiffrement de données; services de conseils en technologies informatiques; consultation en matière de logiciels; développement de logiciels dans le cadre de l'édition de logiciels; conception et développement de matériel informatique et de logiciels; développement de plateformes informatiques; expertises [travaux d'ingénieurs]; installation de logiciels; mise à jour de logiciels; maintenance de logiciels; fourniture de logiciels non téléchargeables en ligne; location de logiciels; location de terminaux de paiement; sauvegarde externe de données; stockage électronique de données; télésurveillance du fonctionnement des terminaux de point de vente et appareils et instruments de paiement électronique.

33.

INGENICO MANAGE 360

      
Serial Number 79409387
Status Pending
Filing Date 2024-08-30
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

Downloadable or recorded software for providing integration and control of services enabling customers to access to a wide range of payment and commerce solutions for their merchants and providing the management, control, and maintenance of their business relating to electronic payment and financial transaction terminals and groups of terminals; recorded or downloadable software platforms for providing integration and control of services enabling customers to access to a wide range of payment and commerce solutions for their merchants and providing the management, control, and maintenance of their business relating to electronic payment and financial transaction terminals and groups of terminals; downloadable or recorded software for managing and processing payments, fund transfers, and secure monetary and financial transactions, and for payment device asset tracking; downloadable data files featuring secure financial information; electronic payment instruments and apparatus in the nature of point-of sale terminals, credit card terminals, card readers, computer tablets and smartphones; cryptographic and biometric payment apparatus and devices in the nature of fund transfer transaction terminals and point of sale terminals; downloadable or recorded operating systems software for payment terminals and point-of-sale terminals and payment device asset tracking; interfaces for computers; mechanisms for coin operated apparatus; cash registers. Financial services, namely, processing of electronic payment via terminals and via mobile electronic devices, namely hand held card readers, computer tablets and smartphones; processing of ACH, credit and debit card payments, electronic checks; electronic monetary and financial transactions in the nature of payments and refunds and fund transfers; financial management; electronic transfer of funds. Software as a Service (SaaS) featuring software for use in database management and for providing integration and control of services enabling customers to access a wide range of payment and commerce solutions for their merchants and providing the management, control, and maintenance of their business relating to electronic payment and financial transaction terminals or groups of terminals; computer Platform as a Service (PaaS) featuring computer software platforms for use in database management, and for providing integration and control of services enabling customers to access a wide range of payment and commerce solutions for their merchants and providing the management, control, and maintenance of their electronic payment and financial transaction terminals and groups of terminals; user authentication services using technology for e-commerce transactions; user authentication services using single sign-on technology for online software applications; data encryption services; computer technology consulting services; consultation with respect to software; software development in the framework of software publishing; design and development of computer hardware and software; development of computer platforms; surveying; software installation; updating of software; software maintenance; provision of online non-downloadable software for management, control, and maintenance of electronic payment and financial transaction terminals and devices; software rental for management, control, and maintenance of electronic payment and financial transaction terminals and devices; rental of electronic payment terminals and electronic point-of-sale terminals and devices for making contactless payments; off-site data backup; electronic data storage; remote monitoring of the operation of point-of-sale terminals and electronic payment apparatus and instrumentsfor quality control, to collect data, and to ensure proper functioning

34.

METHOD FOR AUTHENTICATING A USER VIA AN AUTHENTICATION DEVICE UNIQUELY ASSOCIATED WITH THE USER

      
Application Number FR2024050189
Publication Number 2024/170851
Status In Force
Filing Date 2024-02-12
Publication Date 2024-08-22
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Quentin, Pierre
  • Marcon, Jérôme
  • Castinel, Audrey
  • Lijour, Tristan-Aurélien
  • Cormier, Julien
  • Noizet, Loïc

Abstract

The present invention relates to a method for authenticating a user, the method being characterised in that it involves carrying out, using data processing means (21) of a server (2), the following steps: (a) obtaining, from an authentication device (10) uniquely associated with the user and connected to said server (2), data representative of a sequence of rotational gestures performed by the user on said authentication device (10), each rotational gesture being defined by an initial angular position, a final angular position, and a direction of rotation; (b) verifying said data representative of said sequence of rotational gestures performed by the user on said authentication device (10).

IPC Classes  ?

  • G06F 21/30 - Authentication, i.e. establishing the identity or authorisation of security principals
  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
  • H04L 9/40 - Network security protocols
  • H04W 12/06 - Authentication

35.

METHOD FOR AUTHENTICATING A USER

      
Application Number FR2024050190
Publication Number 2024/170852
Status In Force
Filing Date 2024-02-12
Publication Date 2024-08-22
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Quentin, Pierre
  • Marcon, Jérôme
  • Castinel, Audrey
  • Lijour, Tristan-Aurélien
  • Cormier, Julien
  • Noizet, Loïc

Abstract

The present invention relates to a device (10) for authenticating a user, which device is uniquely associated with the user, characterized in that it comprises a circular touch surface (100) for detecting rotational gestures, and is configured to transmit data representative of a sequence of rotational gestures performed by the user on said circular touch surface (100), each rotational gesture being defined by an initial angular position, a final angular position, and a direction of rotation.

IPC Classes  ?

  • G06F 21/30 - Authentication, i.e. establishing the identity or authorisation of security principals
  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
  • H04L 9/40 - Network security protocols
  • H04W 12/06 - Authentication

36.

METHOD FOR PROCESSING A TRANSACTION, DEVICE AND CORRESPONDING PROGRAM

      
Application Number 18566755
Status Pending
Filing Date 2022-06-03
First Publication Date 2024-08-15
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Quentin, Pierre
  • Dubreuil, Arnaud

Abstract

A method for executing a transaction between a transaction implementation terminal (TProf) and a communication device (Dton) which is located near the transaction implementation terminal (TProf). Such a method includes a step of preparing the transaction to be executed within the transaction implementation terminal (TProf), thereby outputting a set of intermediate transaction execution data; a step of transmitting the intermediate transaction execution data to the communication device (Dton); and a step of executing the transaction by the communication device (Dton) using the at least one item of intermediate transaction execution data and at least one item of personal data (Sgn, PIN) of the user who holds the communication device (Dton), such execution thereby outputting an execution result that is transmitted to the transaction implementation terminal (TProf).

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

37.

ANTENNA SYSTEM AND ELECTRONIC PAYMENT TERMINAL COMPRISING SUCH AN ANTENNA SYSTEM

      
Application Number EP2023086823
Publication Number 2024/133380
Status In Force
Filing Date 2023-12-20
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Panetta, Florence
  • Rakotobe, Mampionona
  • Ainouche, Abdenour
  • Xavier, Bruno
  • Chowdhary, Ferhaj
  • Estorges, Stéphane
  • Lemaire, Jean Eric
  • Morel, Pierre

Abstract

The present invention relates to an antenna system comprising: - a radio communication antenna (21) comprising a first end (27) and a second end (29) between which at least one turn (31, 33) extends, - a circuit board configured to receive and process data from the radio communication antenna (21), - a plurality of electrical connection members (25a, 25b, 25c) electrically connecting the radio communication antenna (21) and the circuit board in a contact-based manner, the circuit board (23) comprising a plurality of gold contact tracks, and each electrical connection member (25a, 25b, 25c) being composed of a base fastened to the radio communication antenna (21), a gold-coated contact head in contact with one of the contact tracks, and a body connecting the base to the contact head. The invention also relates to an electronic payment terminal comprising such an antenna system.

IPC Classes  ?

  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
  • H01R 12/57 - Fixed connections for rigid printed circuits or like structures characterised by the terminals surface mounting terminals
  • H01R 13/24 - Contacts for co-operating by abutting resilientContacts for co-operating by abutting resiliently mounted
  • H01Q 1/00 - Details of, or arrangements associated with, antennas
  • H01Q 7/00 - Loop antennas with a substantially uniform current distribution around the loop and having a directional radiation pattern in a plane perpendicular to the plane of the loop
  • G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
  • H01Q 1/24 - SupportsMounting means by structural association with other equipment or articles with receiving set

38.

METHOD FOR DETERMINING THE STATE OF AN ANTENNA

      
Application Number EP2023086996
Publication Number 2024/133488
Status In Force
Filing Date 2023-12-20
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Goulon, Maxime
  • Rakotobe, Mampionona

Abstract

The invention relates to a method (1000) for determining a state of a near-field communication antenna, implemented by computer within a terminal comprising: - the near-field communication antenna, - a near-field communication integrated circuit configured to be connected to the antenna, wherein the following steps are implemented: - determining (1010, 1020), within the integrated circuit, at least one voltage or intensity value, - deriving (1030), from the voltage or intensity value determined within the integrated circuit, an operating or malfunctioning state of the antenna.

IPC Classes  ?

  • G06K 7/00 - Methods or arrangements for sensing record carriers
  • H04B 17/00 - MonitoringTesting
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
  • H04B 17/19 - Self-testing arrangements
  • H04B 1/04 - Circuits
  • G01R 31/52 - Testing for short-circuits, leakage current or ground faults

39.

METHOD FOR SECURING THE INPUT OF DIGITS OF A PERSONAL IDENTIFICATION CODE, AND CORRESPONDING DEVICE

      
Application Number EP2023087154
Publication Number 2024/133603
Status In Force
Filing Date 2023-12-20
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Grandemenge, Adrien
  • Grandemenge, Jérome

Abstract

The invention relates to a method (200) for adaptively securing the input of digits of a personal identification code, referred to as PIN code, on a mobile terminal (TM) configured to communicate with a server (S), the method comprising the following steps implemented by the server (S): - receiving (202) information transmitted by the mobile terminal (TM), the transmitted information enabling a security level of the mobile terminal (TM) to be defined, a type of the transmitted information being predetermined or determined by the server (S) in a request sent (201bis) by the server (S) to the mobile terminal (TM); - processing (203) the information transmitted by the mobile terminal (TM) in order to determine a risk level; - determining (204) a display mode on the basis of the risk level; - transmitting (205), to the mobile terminal (TM), display instructions determined by the server (S) on the basis of the determined display mode, the display instructions being configured to provide a display in accordance with the display mode of the input areas (ZS) for the elements (ECP) of the PIN code on a display screen of the mobile terminal (TM) when the display instructions are executed by a processor of the mobile terminal (TM).

IPC Classes  ?

  • G06F 21/31 - User authentication
  • G06F 21/83 - Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof

40.

METHOD FOR SECURING THE INPUT OF THE DIGITS OF A PERSONAL IDENTIFICATION CODE AND CORRESPONDING DEVICE

      
Application Number EP2023087155
Publication Number 2024/133604
Status In Force
Filing Date 2023-12-20
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Grandemenge, Jérome
  • Chrupalla, Nicolas

Abstract

The invention relates to a method (100) for securing the input of the elements of a personal identification code, referred to as PIN, on a mobile terminal (TM) configured to communicate with a server (S), the method comprising the steps, implemented by the mobile terminal (TM), of: - receiving (101) a random sequence of elementary instructions from the server (S), the random sequence of elementary instructions being configured to present a drawing displayed on a touchscreen (ET) of the mobile terminal (TM) after the random sequence of elementary instructions has been executed by a processing module (MT) of the mobile terminal (TM), the displayed drawing corresponding to at least one from among input regions of a virtual keyboard (CV) and PIN elements (ECP) associated with the input regions (ZS); - executing (102) the random sequence of elementary instructions.

IPC Classes  ?

  • G06F 21/36 - User authentication by graphic or iconic representation
  • G06F 21/83 - Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof

41.

EXITING STANDBY FOR AN ELECTRONIC PAYMENT TERMINAL

      
Application Number EP2023087650
Publication Number 2024/133903
Status In Force
Filing Date 2023-12-22
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Bouhaja, Heythem
  • Le Droguen, Vincent
  • Gomes, Vincent

Abstract

3241424343) of exiting the standby state of the communication terminal (10).

IPC Classes  ?

42.

METHOD FOR CERTIFYING A MOBILE TERMINAL FOR THE IMPLEMENTATION OF A PAYMENT APPLICATION ON THE MOBILE TERMINAL

      
Application Number EP2023087652
Publication Number 2024/133904
Status In Force
Filing Date 2023-12-22
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Grandemenge, Jérome

Abstract

The invention relates to a method (100) for certifying a mobile terminal (TM) for the implementation of a payment application on the mobile terminal, the mobile terminal (TM) being configured to communicate with a server (S), the method (100) comprising the steps, implemented by the mobile terminal (TM), of: - sending (111) the server (S) a request to establish a trusted communication channel (CC); - receiving (112) a certification request (RA) from the server (S), the certification request being randomly selected by the server (S) from among a predetermined subset of a plurality of certification requests, the certification request defining a list of characteristics (LC) of the mobile terminal (TM); - collecting (113) a list of values (LV) for the mobile terminal (TM), a value in the list of values corresponding to a characteristic in the list of characteristics (LC) of the mobile terminal (TM) transmitted by the server (S); - transmitting (114) the list of values (LV) to the server (S), the trusted communication channel (CC) being established (216) by the server (S) according to the list of values (LV).

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
  • G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities

43.

METHOD FOR SECURING THE TRANSMISSION OF DATA AND CORRESPONDING SYSTEM

      
Application Number EP2023087657
Publication Number 2024/133906
Status In Force
Filing Date 2023-12-22
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Grandemenge, Jérome
  • Barizien, Stéphane

Abstract

The invention relates to a method (100) for the secure transmission of data between a mobile terminal (TM) and an acceptance server (SA), the mobile terminal (TM) being configured to communicate with a remote transciphering server (S) via a communication channel, and to communicate with the acceptance server (SA), the method (100) comprising the steps, implemented by the mobile terminal (TM), of: - receiving (101) a first key generated by the transciphering server (S), the first key being variable; - encrypting (102) the data using the first key; - transmitting (103) the encrypted data to the transciphering server (S) using the first key; - receiving (104) the encrypted data by a transactional black box (BNT) of the transciphering server using a second key; - transmitting (105) the encrypted data to the acceptance server (SA) using the second key, the second key being shared between the transciphering server (S) and the acceptance server (SA) and not being transmitted to the mobile terminal (TM).

IPC Classes  ?

  • H04W 12/03 - Protecting confidentiality, e.g. by encryption
  • H04L 9/40 - Network security protocols
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/38 - Payment protocolsDetails thereof

44.

MAGNETIC CARD READER AND ELECTRONIC PAYMENT TERMINAL EQUIPPED WITH SUCH A MAGNETIC CARD READER

      
Application Number EP2023087769
Publication Number 2024/133954
Status In Force
Filing Date 2023-12-22
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Hernandez, Vincent
  • Lambert, Xavier
  • Vassy, Lilian
  • Fabregoule, Olivier
  • Andre, Jérôme
  • Curinier, Christophe

Abstract

The present invention relates to a magnetic card reader comprising: - a circuit board (5) intended to receive and process data from a magnetic card, the circuit board (5) comprising at least one microprocessor (11), - a magnetic reading head (6) configured to read data contained in at least one magnetic track of a magnetic card and to transmit these data to the circuit board (5), the circuit board (5) comprising at least one soldering pad to which the magnetic reading head (6) is soldered, one of said at least one soldering pad(s) being a security pad electrically connected to the microprocessor (11), the security pad being arranged entirely between the circuit board (5) and the magnetic reading head (6). The invention also relates to an electronic payment terminal comprising such a magnetic card reader.

IPC Classes  ?

  • G06K 7/00 - Methods or arrangements for sensing record carriers
  • G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes

45.

METHOD FOR IDENTIFYING OR AUTHENTICATING A USER OF A VIRTUAL-REALITY OR MIXED-REALITY SYSTEM

      
Application Number EP2023085856
Publication Number 2024/132850
Status In Force
Filing Date 2023-12-14
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Marcon, Jerome

Abstract

The present invention relates to a method for identifying or authenticating a user of a virtual-reality or mixed-reality system (1) comprising display means (12) for displaying an immersive space and detection means for detecting the movement of a virtual drawing device (14a, 14b) in said immersive space, the method being characterized in that it comprises the implementation, by data processing means (21a) of a first server (2a) connected to said system (1), of steps of: (a) Obtaining, from said system (1), data representative of a candidate three-dimensional graphical object drawn by said user in said immersive space with said virtual drawing device; (b) Carrying out biometric classification of said data representative of a candidate three-dimensional graphical object drawn by said user in said immersive space with said virtual drawing device, by way of a classification model trained on a training database of data representative of reference three-dimensional graphical objects.

IPC Classes  ?

  • G06F 21/36 - User authentication by graphic or iconic representation
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints

46.

ELECTRONIC PAYMENT TERMINAL WITH OPTIMISED DRAINAGE OF UNWANTED LIQUID

      
Application Number EP2023087552
Publication Number 2024/133863
Status In Force
Filing Date 2023-12-22
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Allirot, Richard
  • Panetta, Florence
  • Goulon, Maxime
  • Barneron, Sylvain
  • Roux, Julien

Abstract

The invention relates to an electronic payment terminal comprising a housing body (24) in which means for reading a payment data medium are housed, the housing body (24) being at least partially covered with a tamper-detection coating, and comprising an opening (50) for draining unwanted liquid to the outside of the housing body. The housing body (24) comprises a security partition (58) internal to the housing body (24), at least partially covered with a tamper-detection coating, the security partition being positioned between the drainage opening (50) and a protected space of the housing body (24), such that the security partition (58) forms an obstacle to the insertion of a tampering tool into the protected space.

IPC Classes  ?

  • G06K 7/00 - Methods or arrangements for sensing record carriers
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
  • G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

47.

ELECTRONIC PAYMENT TERMINAL

      
Application Number EP2023087562
Publication Number 2024/133872
Status In Force
Filing Date 2023-12-22
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Xavier, Bruno
  • Panetta, Florence
  • Chowdhary, Ferhaj
  • Estorges, Stéphane
  • Nalbant, Herman

Abstract

Disclosed is an electronic payment terminal comprising: - a display screen (24), - an outer casing having an opening capable of generating electrostatic discharges in the direction of the screen (24), - a screen (24) support (28) comprising a recess (30) for receiving the screen (24). The recess (30) includes a discharge plate (32) disposed between the screen (24) and the opening, the discharge plate (32) being configured to intercept an electrostatic discharge occurring between the opening and the screen (24).

IPC Classes  ?

  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card

48.

MAGNETIC CARD READER COMPRISING A STATIONARY MAGNETIC READING HEAD AND A METAL STRIP

      
Application Number EP2023087776
Publication Number 2024/133958
Status In Force
Filing Date 2023-12-22
Publication Date 2024-06-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Uten, Jo
  • Morel, Pierre

Abstract

The invention relates to a magnetic card (2) reader (1), which comprises: - an electronic card (5) which is intended to receive and process data from a magnetic card; - a magnetic reading head (6) which is intended to read data contained in a magnetic card and to transmit these data to the electronic card; - a zone (7) for passing through a magnetic card, which comprises guide means (8) which are intended to guide the magnetic card as it slides in the passage zone. The reading head is mounted so that it is stationary on the magnetic card reader. The guide means comprise elastic deformation means (10) which are intended to deform the magnetic card when it slides in the passage zone so as to allow the magnetic card to be read. The elastic deformation means are made of a material having a Young's modulus greater than 100,000 MPa.

IPC Classes  ?

  • G06K 7/00 - Methods or arrangements for sensing record carriers
  • G06K 7/015 - Aligning or centring of the sensing device with respect to the record carrier
  • G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
  • G11B 5/48 - Disposition or mounting of heads relative to record carriers
  • G11B 15/60 - Guiding record carriers

49.

METHOD FOR PROTECTING A TERMINAL AGAINST A SIDE-CHANNEL ATTACK

      
Application Number EP2023084333
Publication Number 2024/121142
Status In Force
Filing Date 2023-12-05
Publication Date 2024-06-13
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Giraud, Vincent

Abstract

The present invention relates to a method for protecting a terminal (1) comprising data-processing means (11), a battery (15) and a battery gauge (16) providing the data processing means (11) with data which are descriptive of the state of the battery (15) against a side-channel attack using the data which are descriptive of the state of the battery (15), the method being characterised in that it comprises the implementation, by means of the data processing means (11), of steps of: (b) when the terminal (1) is likely to undergo the attack, controlling at least one energy-intensive component (11, 12, 13, 14) of the terminal (1) so as to modify the data which are descriptive of the state of the battery (15) and are provided by the battery gauge (16).

IPC Classes  ?

  • G06F 21/75 - Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure computing or processing of information by inhibiting the analysis of circuitry or operation, e.g. to counteract reverse engineering
  • G06F 21/81 - Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer by operating on the power supply, e.g. enabling or disabling power-on, sleep or resume operations

50.

PREVENTIVE MAINTENANCE METHOD FOR A COMPUTER PERIPHERAL DEVICE

      
Application Number EP2023080740
Publication Number 2024/094883
Status In Force
Filing Date 2023-11-03
Publication Date 2024-05-10
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Reiffsteck, Laurent

Abstract

The invention relates to a method (100) for detecting the risk of malfunction of a computer peripheral device, wherein computing means perform the steps of: - obtaining (120) data relating to a current state of a computer peripheral device; - filtering (130) the obtained data in such a way as to retain only some of these data, the retained data forming filtered data; - applying (140) a negative-selection artificial immune algorithm to the filtered data so as to distinguish data forming a fault profile from data forming a normal operating profile; - applying (150) a random forest algorithm to the data forming the fault profile so as to detect one or more components at risk of malfunction within the computer peripheral device.

IPC Classes  ?

51.

WHITE BOX ENCODING

      
Application Number EP2023078864
Publication Number 2024/083849
Status In Force
Filing Date 2023-10-17
Publication Date 2024-04-25
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Giraud, Vincent

Abstract

The invention relates to a method for generating encoding for a computer-implemented cryptographic algorithm. The following steps are carried out: - obtaining at least one characteristic specific to a computer peripheral (1) configured to execute a cryptographic algorithm (43); - on the basis of the specific characteristic, generating an encoding operation (433, 434) dependent on the peripheral (1); - associating the generated dependent encoding operation (433, 434) with the cryptographic algorithm (43).

IPC Classes  ?

  • H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
  • H04L 9/08 - Key distribution
  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system

52.

WHITE-BOX CRYPTOGRAPHIC KEYS

      
Application Number EP2023078872
Publication Number 2024/083855
Status In Force
Filing Date 2023-10-17
Publication Date 2024-04-25
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Giraud, Vincent

Abstract

The invention relates to a method (100) for generating a cryptographic key, which is executed by computer processing means and in which steps (20) of generating matrices in accordance with a McEliece cryptosystem are carried out, the computer processing means then further executing at least two of the following three combination steps (40): - combining one random encoding matrix with the merged permutation, coding and transformation matrix to form an encoded permutation, coding and transformation matrix; - combining another random encoding matrix with the permutation cancellation matrix to form an encoded permutation cancellation matrix; and - combining another random encoding matrix with the transformation cancellation matrix to form an encoded transformation cancellation matrix.

IPC Classes  ?

  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy

53.

Payment device integrated into an unattended electronic payment terminal

      
Application Number 18550162
Grant Number 12322260
Status In Force
Filing Date 2022-03-15
First Publication Date 2024-02-29
Grant Date 2025-06-03
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Soubirane, Alain
  • Robert, Franck
  • Soleilhavoup, Olivier
  • Rakotobe, Mampionona
  • Bohorquez Prieto, Andres
  • Goulon, Maxime
  • Demange, Fabien

Abstract

An electronic payment device intended to be integrated into an unattended electronic payment terminal. The electronic payment device includes at least one electronic card, a screen, a keyboard and a contactless payment module. The contactless payment module has at least one contactless antenna arranged on a plane, called antenna plane, raised by a first predetermined distance with respect to the plane of the keyboard and raised by a second predetermined distance with respect to the plane of the screen. The second predetermined distance is smaller than the first predetermined distance.

IPC Classes  ?

  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card

54.

METHOD FOR CONFIGURING A PAYMENT TERMINAL AND RELATED PAYMENT TERMINAL

      
Application Number 18254914
Status Pending
Filing Date 2021-11-24
First Publication Date 2024-02-08
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Berthier, Francis

Abstract

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.

IPC Classes  ?

55.

INGENICO PEBBLE

      
Application Number 018976109
Status Registered
Filing Date 2024-01-19
Registration Date 2024-05-21
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

Payment terminals; Electronic payment terminals; Point of sale apparatus; reading devices for cards incorporating electronic chips; Secure terminals for electronic transactions (software, recorded, for payment and money transfer systems, including those using smart cards and cards with microprocessors); payment processing software, money transfer software, financial and monetary transaction software, For use with the following goods: Payment terminals and Point of sale apparatus; Operating systems, For use with the following goods: Payment terminals and Point-of-sales terminals; User manuals for payment terminals, In electronic format. Financial, monetary and banking services; Electronic payment services; Payment processing, monetary and financial transaction services, Funds transfer services Via payment terminal; Payment services provided via wireless telecommunications apparatus and devices; E-wallet payment services; Electronic funds transfer; Professional consultancy, advice and assistance relating to finance, in particular relating to combatting and the prevention of fraud with regard to online payments and transactions; Financial consultancy relating to the execution of cashless payment transactions; Consultancy, expert opinions and evaluations relating to solutions for payment and transactions; Secure payment and funds transfer services via electronic means or via electronic credit and debit cards and payment terminals; Electronic payment processing, Via terminals available to customers in retail outlets; Financial transaction authorisation and settlement. Programming In connection with the following goods: Payment transaction terminals and Point of sale apparatus; Design, facilitating, The installation, Updating and maintenance In connection with the following goods: Software for payment terminals; Rental of payment terminals; User authentication services using technology for e-commerce transactions; Data encryption services; Development and operation of electronic payment systems of all kinds for merchants.

56.

METHOD FOR PROCESSING AN OPERATION INVOLVING SECRET DATA, TERMINAL, SYSTEM AND CORRESPONDING COMPUTER PROGRAM

      
Application Number 18036435
Status Pending
Filing Date 2021-11-12
First Publication Date 2024-01-18
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Blanchet, Jean-Bernard

Abstract

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. Such a method includes: determining the availability of a communication network recorded in a secure memory space of the terminal; receiving an instruction to carry out a transaction; and selecting from an online transaction component and an autonomous transaction component, a transaction component to be activated in accordance with the communication network availability, the autonomous transaction component being activated when any communication network is unavailable, and carrying out the transaction by means of the activated transaction component, the transaction components using a root component which executes basic functions common to the two transaction components, the functions of the root component being protected and only accessible when read by the transaction components.

IPC Classes  ?

57.

INGENICO MANAGE 360

      
Application Number 018972985
Status Registered
Filing Date 2024-01-11
Registration Date 2024-05-21
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

Software; Computer software packages; Computer software, recorded; Computer programs, recorded; Computer software platforms, recorded or downloadable; Computer programs, downloadable; Software for management; Computer software for processing payments, funds transfers, and monetary and financial transactions; Software applications for mobile payment apparatus for funds transfers and monetary and financial transactions; Downloadable software applications; E-commerce and e-payment software; Secure payment transaction systems; Downloadable data files; Apparatus and instruments for electronic payment; Point of sale apparatus; Credit card terminals; Cryptographic and biometric payment apparatus and devices; Operating systems, For use with the following goods: Payment terminals and Point-of-sales terminals; Interfaces for computers; Coin-operated mechanisms; Cash registers. Financial, monetary and banking services; Banking; Monetary affairs; Electronic payment via terminals; Processing of payments, monetary and financial transactions, and funds transfers; Financial management; Electronic funds transfer. Software as a service [SaaS]; Platform as a service [PaaS]; User authentication services using technology for e-commerce transactions; User authentication services using single sign-on technology for online software applications; Data encryption services; Computer technology consultancy; Computer software consultancy; Software development in the framework of software publishing; Design and development of computer hardware and software; Development of computer platforms; Surveying [engineering]; Installation of computer software; Updating of computer software; Maintenance of computer software; Providing online non-downloadable computer software; Rental of computer software; Rental of payment terminals; Off-site data backup; Electronic data storage; Remote surveillance of the operation of point-of-sale terminals and electronic payment apparatus and instruments.

58.

Electronic transaction device comprising a mechanism affording protection against the insertion of a non-compliant object into the chip card reader

      
Application Number 18035414
Grant Number 12314934
Status In Force
Filing Date 2021-11-04
First Publication Date 2024-01-11
Grant Date 2025-05-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Yernaux, Olivier

Abstract

An electronic transaction device including a chip card reader and a shut-off mechanism for shutting off a slot for the introduction of a chip card as far as the card reader, the slot being formed by two lateral guide rails for guiding the card, the mechanism including a first shut-off flap and a second shut-off flap for shutting off the slot, the shut-off flaps being able to adopt a closed position preventing a non-compliant object from being introduced into the slot as far as the card reader, and an open position allowing the chip card to be introduced into the slot as far as the card reader, the shut-off flaps each including an actuating element which is situated respectively in the vicinity of one of the two lateral guide rails.

IPC Classes  ?

  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06K 13/08 - Feeding or discharging cards

59.

DATA TRANSMISSION METHOD, DEVICE AND CORRESPONDING PROGRAM

      
Application Number 18039627
Status Pending
Filing Date 2021-12-03
First Publication Date 2024-01-11
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Menardais, Michaël
  • Tourlonias, Loïc
  • Bouyaud, Mickael
  • Bertholet, Rémi

Abstract

The invention relates to a method for transmitting data between a first electronic module comprising a general-purpose processor and a second electronic module comprising a secure processor, the two modules being combined in an electronic device, the first module executing a first operating system and the second module executing a second operating system, the modules each comprising a hybrid communication stack comprising, alongside components of layers 3 and 4 of the OSI model, a specialised data transmission component (ITP), connecting layers 3 and 4 of the OSI model. The invention relates to a method for transmitting data between a first electronic module comprising a general-purpose processor and a second electronic module comprising a secure processor, the two modules being combined in an electronic device, the first module executing a first operating system and the second module executing a second operating system, the modules each comprising a hybrid communication stack comprising, alongside components of layers 3 and 4 of the OSI model, a specialised data transmission component (ITP), connecting layers 3 and 4 of the OSI model. A method for transmitting data between a first electronic module including a general-purpose processor and a second electronic module including a secure processor, the two modules being combined in an electronic device, the first module executing a first operating system and the second module executing a second operating system, the modules each including a hybrid communication stack including, alongside components of layers 3 and 4 of the OSI model, a specialised data transmission component (ITP), connecting layers 3 and 4 of the OSI model.

IPC Classes  ?

60.

SECURE MODULE, ELECTRONIC PAYMENT TERMINAL, CORRESPONDING DETECTION METHOD

      
Application Number 18035364
Status Pending
Filing Date 2021-11-02
First Publication Date 2024-01-11
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Granddidier, Yann
  • Andre, Jérôme

Abstract

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.

IPC Classes  ?

  • G06F 21/86 - Secure or tamper-resistant housings

61.

METHOD FOR PROCESSING AN OPERATION INVOLVING SECRET DATA, TERMINAL, SYSTEM AND CORRESPONDING COMPUTER PROGRAM

      
Application Number 18254642
Status Pending
Filing Date 2021-11-29
First Publication Date 2023-12-28
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Chrupalla, Nicolas
  • Hamzi, Nabil

Abstract

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.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06F 21/36 - User authentication by graphic or iconic representation

62.

MAGNETIC CARD READER COMPRISING A STATIONARY MAGNETIC READING HEAD

      
Application Number EP2023066660
Publication Number 2023/247553
Status In Force
Filing Date 2023-06-20
Publication Date 2023-12-28
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Hernandez, Vincent
  • Andre, Jérôme

Abstract

The invention relates to a magnetic card (2) reader (1), which comprises: - an electronic card (5); - a magnetic reading head (6) which is intended to read data contained in a magnetic strip (9) of a magnetic card and to transmit these data to the electronic card; - a zone (7) for passage of a magnetic card, in which a magnetic card is intended to slide and which comprises guide means (8) which are intended to guide the magnetic card as it slides in the passage zone (7). The magnetic reading head is fixedly mounted on the magnetic card reader (1). The guide means are integral with resilient deformation means (11) which are intended to come into contact with the magnetic card so as to deform it when the magnetic card slides in the passage zone in order to allow the magnetic strip to be read by the magnetic reading head.

IPC Classes  ?

  • G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
  • G06K 7/015 - Aligning or centring of the sensing device with respect to the record carrier
  • G11B 5/008 - Recording on, or reproducing or erasing from, magnetic tapes or wires
  • G11B 5/49 - Fixed mountings
  • G11B 5/80 - Card carriers
  • G11B 15/62 - Maintaining desired spacing between record carrier and head

63.

Weldable chip card connector and corresponding mounting method

      
Application Number 18034186
Grant Number 12136791
Status In Force
Filing Date 2021-10-29
First Publication Date 2023-12-21
Grant Date 2024-11-05
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • André, Jérôme
  • Granddidier, Yann

Abstract

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.

IPC Classes  ?

  • G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
  • H01R 43/20 - Apparatus or processes specially adapted for manufacturing, assembling, maintaining, or repairing of line connectors or current collectors or for joining electric conductors for assembling or disassembling contact members with insulating base, case or sleeve

64.

RADIO COMMUNICATION ANTENNA CONSISTING OF A PREVIOUSLY BENT RIGID METALLIC WIRE, SUPPORT STRUCTURE AND CORRESPONDING PAYMENT TERMINAL

      
Application Number 18036738
Status Pending
Filing Date 2021-11-12
First Publication Date 2023-12-21
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Hernandez, Vincent
  • Baptiste, Régis

Abstract

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.

IPC Classes  ?

  • H01Q 1/22 - SupportsMounting means by structural association with other equipment or articles
  • H01Q 1/12 - SupportsMounting means

65.

Data entry device intended to be affixed to a touch panel of a terminal and corresponding entry method

      
Application Number 18034212
Grant Number 12299219
Status In Force
Filing Date 2021-10-29
First Publication Date 2023-12-14
Grant Date 2025-05-13
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Pavageau, Stéphane
  • Coussieu, Alain
  • Blanc, Olivier

Abstract

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.

IPC Classes  ?

  • G06F 3/044 - Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means by capacitive means
  • G06F 3/039 - Accessories therefor, e.g. mouse pads

66.

CONNECTOR FOR CONNECTING AN ELECTRICAL TERMINATION ON A PRINTED CIRCUIT, CORRESPONDING ASSEMBLY METHODS

      
Application Number 18032701
Status Pending
Filing Date 2021-10-14
First Publication Date 2023-12-07
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Baptiste, Régis

Abstract

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.

IPC Classes  ?

  • H01R 12/58 - Fixed connections for rigid printed circuits or like structures characterised by the terminals terminals for insertion into holes
  • H01R 4/48 - Clamped connectionsSpring connections using a spring, clip or other resilient member

67.

INGENICO

      
Application Number 1760491
Status Registered
Filing Date 2023-09-15
Registration Date 2023-09-15
Owner Banks and Acquirers International Holding (France)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 16 - Paper, cardboard and goods made from these materials
  • 17 - Rubber and plastic; packing and insulating materials
  • 21 - HouseHold or kitchen utensils, containers and materials; glassware; porcelain; earthenware

Goods & Services

Data processing apparatus; readers [data processing equipment]; card readers; credit card readers; chip card readers; electronic chip card reading devices; invoicing machines; cash registers; electronic cash registers; electrical adapters; power adapters; materials for electricity mains [wires, cables]; electric wires; electric cables; electric power supply cables; coaxial cables; connectors [electricity]; chip cards; microchip cards; electronic chip cards; memory cards or integrated circuit cards; printed circuit boards; encoded magnetic cards; encoded key cards; coded credit cards; magnetically encoded credit cards; magnetically encoded payment cards; encoded payment cards; biometric cards for crypto assets; electric batteries; rechargeable electric batteries; batteries for use with mobile telecommunications devices; batteries for payment terminals; electric cells and batteries; battery chargers; chargers for electric accumulators; portable chargers; chargers for payment terminals; protective cover devices specially adapted for electronic telecommunications devices; clear protective cover devices adapted for payment terminals; hard cases for payment terminals; plastic hard cases for payment terminals; casings for payment terminals; plastic casings for payment terminals; casings for point-of-sale terminals; plastic casings for point-of-sale terminals; casings specially adapted for payment terminals and point-of-sale terminals; hard cases for contactless card readers; hard plastic cases for contactless card readers; casings for smart card readers; plastic casings for smart card readers; cases for payment terminals; cases for payment terminals incorporating a keyboard; protective films adapted for payment terminal screens; screen protectors for payment terminals; keyboards for payment terminals; video screens; screens for payment terminals; liquid crystal display [LCD] screens; organic light emitting diode [OLED] screens; LED display screens; electronic touch-sensitive display screens; liquid crystal display (LCD) devices with thin film transistors (TFTs) made from glass substrates; organic light-emitting diode [OLED] display devices with thin film transistors [TFT]s made from glass substrates; mechanisms for payment terminals and point-of-sale terminals; holders adapted for payment terminals; holders designed for payment terminals; credit card terminals; point-of-sale terminals; payment terminals; apparatus for processing electronic payments; electronic payment terminals; secure terminals for electronic transactions; components and component parts of payment terminals; components and component parts of point-of-sale terminals; electronic components for payment terminals; electronic devices for digital display; front plates for payment terminals; optical glass; receivers for payment terminals and point-of-sale terminals; docking stations for payment terminals and point-of-sale terminals; stands for electronic apparatus (docking stations); electronic docking stations; bases for payment terminals and point-of-sale terminals; holders designed for payment terminals and point-of-sale terminals; holders for payment terminals and point-of-sale terminals; optical styluses for touch screens; operating systems for payment terminals and point-of-sale terminals; user manuals for payment terminals in electronic format. User guides; instruction manuals; printed manuals; operating instructions; bags and articles for wrapping, packaging and storing of paper, cardboard or plastic (other than containers); packaging boxes made of cardboard; packaging boxes of paper; cardboard boxes for delivering goods; cardboard boxes for industrial packaging; boxes of paper; boxes of paper or cardboard; cardboard for packaging; cardboard cartons [boxes]; cardboard packaging; cardboard containers for the shipping of goods; receptacles of cardboard for transport; plastic packaging, namely, bags, sachets, films and sheets; printed emblems; printed logos; envelopes of paper or plastic for packaging; envelopes of plastic for packaging; envelopes of paper for packaging; shipping labels of paper; identification labels of paper; labels of paper or cardboard; films of plastic materials for packaging; packaging materials of cardboard; plastic materials for packaging; paper for wrapping and packaging; pouches of paper or plastic materials for packaging; packaging containers of paper or cardboard; bags [envelopes, pouches] of paper or plastics, for packaging; bags of paper or plastic for packaging. Waterproof packings; sealing strips of plastic; semi-processed plastic materials; semi-worked organic glass; semi-finished plastic materials; Semi-finished plastic products; products made of semi-finished plastic materials; adhesive plastic sheets for use in manufacturing operations; semi-processed plastics in the nature of plates; semi-processed plastics in the nature of panels; plastics materials in the nature of plates being semi-finished products; plastics materials in the nature of panels being semi-finished products; semi-processed plastics in the nature of sheets; plastic fibers other than for textile use; plastic films, other than for packaging; padding materials of plastic; caulking materials of plastic; semi-worked acrylic glass. Unworked or semi-worked glass excluding building glass; glass substrates for payment terminals and point-of-sale terminal screens; glass substrates for manufacturing payment terminal and point-of-sale terminal screens; semi-finished glass substrates (other than for construction); glass substrates in raw state (other than for construction); shaped glass, other than for building; smart glass other than for construction; flat glass other than for construction; tempered glass other than for building; plaques of porcelain, ceramic, earthenware or glass; anti-reflective glass other than for construction; printed sheet glass other than for construction; common sheet glass not for building; modified sheet glass not for building; glass incorporating fine electrical conductors; glass substrates for liquid crystal display [LCD] with thin-film transistors [TFTs]; glass substrates for manufacturing organic light emitting diode [OLED] screens with thin film transistors [TFTs].

68.

ingenico

      
Application Number 1760499
Status Registered
Filing Date 2023-09-15
Registration Date 2023-09-15
Owner Banks and Acquirers International Holding (France)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 16 - Paper, cardboard and goods made from these materials
  • 17 - Rubber and plastic; packing and insulating materials
  • 21 - HouseHold or kitchen utensils, containers and materials; glassware; porcelain; earthenware

Goods & Services

Data processing apparatus; readers [data processing equipment]; card readers; credit card readers; chip card readers; electronic chip card reading devices; invoicing machines; cash registers; electronic cash registers; electrical adapters; power adapters; materials for electricity mains [wires, cables]; electric wires; electric cables; electric power supply cables; coaxial cables; connectors [electricity]; chip cards; microchip cards; electronic chip cards; memory cards or integrated circuit cards; printed circuit boards; encoded magnetic cards; encoded key cards; coded credit cards; magnetically encoded credit cards; magnetically encoded payment cards; encoded payment cards; biometric cards for crypto assets; electric batteries; rechargeable electric batteries; batteries for use with mobile telecommunications devices; batteries for payment terminals; electric cells and batteries; battery chargers; chargers for electric accumulators; portable chargers; chargers for payment terminals; protective cover devices specially adapted for electronic telecommunications devices; clear protective cover devices adapted for payment terminals; hard cases for payment terminals; plastic hard cases for payment terminals; casings for payment terminals; plastic casings for payment terminals; casings for point-of-sale terminals; plastic casings for point-of-sale terminals; casings specially adapted for payment terminals and point-of-sale terminals; hard cases for contactless card readers; hard plastic cases for contactless card readers; casings for smart card readers; plastic casings for smart card readers; cases for payment terminals; cases for payment terminals incorporating a keyboard; protective films adapted for payment terminal screens; screen protectors for payment terminals; keyboards for payment terminals; video screens; screens for payment terminals; liquid crystal display [LCD] screens; organic light emitting diode [OLED] screens; LED display screens; electronic touch-sensitive display screens; liquid crystal display (LCD) devices with thin film transistors (TFTs) made from glass substrates; organic light-emitting diode [OLED] display devices with thin film transistors [TFT]s made from glass substrates; mechanisms for payment terminals and point-of-sale terminals; holders adapted for payment terminals; holders designed for payment terminals; credit card terminals; point-of-sale terminals; payment terminals; apparatus for processing electronic payments; electronic payment terminals; secure terminals for electronic transactions; components and component parts of payment terminals; components and component parts of point-of-sale terminals; electronic components for payment terminals; electronic devices for digital display; front plates for payment terminals; optical glass; receivers for payment terminals and point-of-sale terminals; docking stations for payment terminals and point-of-sale terminals; stands for electronic apparatus (docking stations); electronic docking stations; bases for payment terminals and point-of-sale terminals; holders designed for payment terminals and point-of-sale terminals; holders for payment terminals and point-of-sale terminals; optical styluses for touch screens; operating systems for payment terminals and point-of-sale terminals; user manuals for payment terminals in electronic format. User guides; instruction manuals; printed manuals; operating instructions; bags and articles for wrapping, packaging and storing of paper, cardboard or plastic (other than containers); packaging boxes made of cardboard; packaging boxes of paper; cardboard boxes for delivering goods; cardboard boxes for industrial packaging; boxes of paper; boxes of paper or cardboard; cardboard for packaging; cardboard cartons [boxes]; cardboard packaging; cardboard containers for the shipping of goods; receptacles of cardboard for transport; plastic packaging, namely, bags, sachets, films and sheets; printed emblems; printed logos; envelopes of paper or plastic for packing; envelopes of plastic for packaging; envelopes of paper for packaging; shipping labels of paper; identification labels of paper; labels of paper or cardboard; films of plastic materials for packaging; packaging materials of cardboard; plastic materials for packaging; paper for wrapping and packaging; pouches of paper or plastic materials for packaging; packaging containers of paper or cardboard; bags [envelopes, pouches] of paper or plastics, for packaging; bags of paper or plastic for packaging. Waterproof packings; sealing strips of plastic; semi-processed plastic materials; semi-worked organic glass; semi-finished plastic materials; Semi-finished plastic products; products made of semi-finished plastic materials; adhesive plastic sheets for use in manufacturing operations; semi-processed plastics in the nature of plates; semi-processed plastics in the nature of panels; plastics materials in the nature of plates being semi-finished products; plastics materials in the nature of panels being semi-finished products; semi-processed plastics in the nature of sheets; plastic fibers other than for textile use; plastic films, other than for packaging; padding materials of plastic; caulking materials of plastic; semi-worked acrylic glass. Unworked or semi-worked glass excluding building glass; glass substrates for payment terminals and point-of-sale terminal screens; glass substrates for manufacturing payment terminal and point-of-sale terminal screens; semi-finished glass substrates (other than for construction); glass substrates in raw state (other than for construction); shaped glass, other than for building; smart glass other than for construction; flat glass other than for construction; tempered glass other than for building; plaques of porcelain, ceramic, earthenware or glass; anti-reflective glass other than for construction; printed sheet glass other than for construction; common sheet glass not for building; modified sheet glass not for building; glass incorporating fine electrical conductors; glass substrates for liquid crystal display [LCD] with thin-film transistors [TFTs]; glass substrates for manufacturing organic light emitting diode [OLED] screens with thin film transistors [TFTs].

69.

Method for controlling the display of information on a screen of an electronic data-input device, corresponding device and computer program product

      
Application Number 17800083
Grant Number 12165280
Status In Force
Filing Date 2021-02-09
First Publication Date 2023-10-19
Grant Date 2024-12-10
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Leger, Michel
  • Naccache, David

Abstract

A method for controlling the display of information on a screen of a data-input electronic device. The electronic device is intended to be used for implementing an operation involving the performance of a succession of actions and involving a plurality of users. According to the proposed technique, the method includes: detecting a predetermined event associated with the electronic device, delivering a signal that is representative of a detection of the predetermined event; rotating the display of information on the screen of the electronic device through 180°, as a function of the signal representative of detecting the predetermined event and a piece of state information associated with the electronic device.

IPC Classes  ?

  • G06T 3/60 - Rotation of whole images or parts thereof

70.

LOCKING DEVICE FOR AN ELECTRICAL OR ELECTRONIC CONNECTOR

      
Application Number EP2023059939
Publication Number 2023/198936
Status In Force
Filing Date 2023-04-17
Publication Date 2023-10-19
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Hernandez, Vincent

Abstract

The locking device (1) for an electrical or electronic connector (2) comprising first and second (10) connection members comprises: - a frame (4) receiving the first connection member (9), and - a locking member (15) cooperating with the second connection member (10) in order to prevent a disconnection of the connector. The locking member is mounted on the frame (4) in such a way as to be movable between a locking position, in which it prevents a disconnection of the connector, and an unlocking position, in which it enables a disconnection of the connector. The locking member comprises manoeuvring means (16) intended to be placed in contact with a finger of a user in order to move the locking member between the locking and unlocking positions. An indentation (7) is formed in the frame and has an opening, the first connection member being arranged in the frame opposite the opening.

IPC Classes  ?

  • H01R 13/639 - Additional means for holding or locking coupling parts together after engagement
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card

71.

DEVICE, METHOD AND PROGRAM FOR SECURE COMMUNICATION BETWEEN WHITE BOXES

      
Application Number 18016374
Status Pending
Filing Date 2021-07-08
First Publication Date 2023-08-31
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Chrupalla, Nicolas
  • Hamzi, Nabil
  • Geraud, Rémi

Abstract

A cryptographic data processing method for implementing a cryptographic function, implemented within an electronic data processing device including a processor, a memory and a set of cryptographic processing modules, the method including the following steps implemented by a current cryptographic processing module of the set: receiving incoming data; determining a decryption key to be applied to the incoming data according to a master key and a position of the current cryptographic processing module; decrypting the incoming data, with the key, delivering unencrypted incoming data; implementing at least one cryptographic operation on the unencrypted incoming data, delivering unencrypted outgoing data; optionally, determining a subsequent cryptographic processing module to be executed on the unencrypted outgoing data; obtaining an encryption key for the unencrypted outgoing data; encrypting the unencrypted outgoing data with the previously determined encryption key for the outgoing data, delivering the encrypted outgoing data, which may be intermediate data.

IPC Classes  ?

72.

Electronic device for processing data update and/or insertion requests, method and corresponding program

      
Application Number 18005446
Grant Number 12450214
Status In Force
Filing Date 2021-07-08
First Publication Date 2023-08-24
Grant Date 2025-10-21
Owner Banks and Acquirers International Holding (France)
Inventor
  • Geraud, Rémi
  • Koudoussi, Hiba
  • Naccache, David

Abstract

A method for processing data insertion and/or modification requests, which is implemented by an electronic processing device including a communication interface to receive the requests from a communication network. The method includes distributing data, within a plurality of buffers. Each buffer is associated with a record of a database. The association is made via a database record identifier present within the received insertion and/or modification requests. The data is inserted in the form of buffer records, including a value to be updated in and/or inserted into the database. The method also includes allocating data within the records of the database, from the buffers of the plurality of buffers. The allocation phase includes, for the buffer records that include an operational marking, executing, from a configuration file, a computer program specifically dedicated to the record and/or specifically dedicated to the data type of the value to be updated and/or inserted.

IPC Classes  ?

  • G06F 16/22 - IndexingData structures thereforStorage structures

73.

METHOD FOR PROCESSING A TRANSACTION, SYSTEM AND CORRESPONDING PROGRAM

      
Application Number EP2023050739
Publication Number 2023/135253
Status In Force
Filing Date 2023-01-13
Publication Date 2023-07-20
Owner
  • BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
  • WORLDLINE (France)
  • INGENICO BELGIUM (Belgium)
Inventor
  • Lefebvre, Guillaume
  • Mery, Olivier
  • Vanophalvens, Mark

Abstract

The invention relates to a method for processing a transaction of the type in which a user supplies a sensitive data item on a digital terminal. According to the invention, such a method comprises: - a step (A00) of initiating, using the digital terminal, a transaction requiring the input of the sensitive data item; - a step (A01), which is carried out after the initiation step (A00), of obtaining, by means of an image capture device connected to the terminal, a multimedia data item (DM) representative of an environment of the user; - a step (A02) of analysing the multimedia data item (DM) previously obtained; and - a step (A03) of modifying a context for implementing the transaction when the step of analysing the multimedia data item (DM) outputs a result that is representative of a non-secure environment (NS).

IPC Classes  ?

  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
  • G06F 21/82 - Protecting input, output or interconnection devices
  • G06F 21/84 - Protecting input, output or interconnection devices output devices, e.g. displays or monitors

74.

DATA INPUT DEVICE COMPRISING MEANS FOR DETECTING A SPY DEVICE, AND CORRESPONDING DETECTION METHOD AND COMPUTER PROGRAM

      
Application Number EP2022082936
Publication Number 2023/104517
Status In Force
Filing Date 2022-11-23
Publication Date 2023-06-15
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Goulon, Maxime
  • Michiel, Gregory
  • Testu, Dominique

Abstract

The invention relates to a data input device (DS) comprising a keypad (C). Said device comprises: at least one proximity sensor (CP) positioned within a recess formed in an element (EP) of the device forming a projection in the vicinity of the keypad, the proximity sensor being oriented toward the keypad, the proximity sensor delivering measurements; means for analysing said measurements, delivering information representative of the presumed presence of a spy device on the keypad when the measurements are higher than a predetermined threshold for a predetermined time period.

IPC Classes  ?

  • G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • G06F 3/00 - Input arrangements for transferring data to be processed into a form capable of being handled by the computerOutput arrangements for transferring data from processing unit to output unit, e.g. interface arrangements

75.

METHOD FOR PERFORMING A TRANSACTION AND CORRESPONDING DEVICES AND PROGRAMS

      
Application Number EP2022082375
Publication Number 2023/099238
Status In Force
Filing Date 2022-11-18
Publication Date 2023-06-08
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Candel, Gaëlle

Abstract

The invention relates to a method for performing a transaction, wherein a first phase implemented between a first transaction device (DTI) and a second transaction device (DT2) comprises, in the second device: - sending (211) a transaction offer; - receiving (212), from the first device, transaction data comprising an account identifier, a value representative of an available balance in the account and a date of validity of the balance; - locally checking (213) that the transaction data meet transaction conditions; - if they do, transmitting (214) a transaction authorisation to the first device; - receiving (215) a cryptographic proof of transaction from the first device and storing (216) said proof in a memory of the second device.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment protocolsDetails thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

76.

METHOD FOR PROCESSING A DIGITAL PROOF, SYSTEM AND CORRESPONDING PROGRAM

      
Application Number EP2022083716
Publication Number 2023/099496
Status In Force
Filing Date 2022-11-29
Publication Date 2023-06-08
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Leger, Michel

Abstract

The invention relates to a method for processing a digital proof for validating an electronic transaction, said method being implemented within a system comprising an electronic device for constructing the digital proof, called composer, said digital proof being intended to be transmitted to an electronic device for processing the digital proof, called recipient, belonging to a set of recipients, the recipient for processing the digital proof being selected by a third-party entity, called conveyor, the method comprising the following steps: - A step of the composer constructing the digital proof at the end of a step of the composer executing the electronic transaction, said digital proof comprising at least one digital certificate that comprises a list of identifiers of at least one subset of the set of recipients; - A step of transmitting said digital proof to the conveyor; - A step of the conveyor selecting a current recipient whose identifier belongs to the list of identifiers of said at least one subset of the set of recipients; and - A step of the current recipient validating the digital proof returned by the conveyor.

IPC Classes  ?

  • H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
  • G06F 21/64 - Protecting data integrity, e.g. using checksums, certificates or signatures
  • H04L 9/40 - Network security protocols

77.

METHOD FOR PROCESSING A TRANSACTION INVOLVING THE USE OF A PUBLIC IDENTIFIER, DEVICE, SYSTEM AND COMPUTER PROGRAMS CORRESPONDING THERETO

      
Application Number EP2022083532
Publication Number 2023/099418
Status In Force
Filing Date 2022-11-28
Publication Date 2023-06-08
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Leger, Michel

Abstract

The invention relates to a method for processing multimedia data comprising an association of an event, carried out on behalf of an entity having a public identifier in the form of a character string, with multimedia data. The method is implemented within an electronic system and comprises implementing the following steps: - obtaining at least one datum representative of an event, in the form of a public event identifier; - selecting multimedia data to be associated with the public event identifier; and - following a step of checking the availability of the multimedia data, writing, to a blockchain, a transaction based at least on the public event identifier and on a datum resulting from the selected multimedia data.

IPC Classes  ?

  • G06F 21/10 - Protecting distributed programs or content, e.g. vending or licensing of copyrighted material
  • H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols

78.

METHOD FOR REMOTELY TAKING CONTROL OF A PAYMENT TERMINAL OR SIMILAR, AND ASSOCIATED PAYMENT TERMINAL

      
Application Number EP2022082922
Publication Number 2023/094427
Status In Force
Filing Date 2022-11-23
Publication Date 2023-06-01
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Reiffsteck, Laurent
  • Mourand, Olivier

Abstract

Method for remotely taking control of a payment terminal or similar, and associated payment terminal. The invention relates to a method for remotely taking control of a payment terminal. The method, implemented by a payment terminal software module, comprises the steps of: - implementation (10) of security measures restricting take-over of control, comprising at least a stage of deactivation, within said payment terminal, of the reading means of a payment device; - exchange of signalling data with a connection server, comprising the transmission (11) of signalling data associated with the payment terminal and the receipt (12) of signalling data associated with a potential remote terminal for said take-over of control; - establishment (13) of a point-to-point connection between said remote terminal and said payment terminal, said connection comprising at least one continuous video broadcast stream of information displayed on a screen of said payment terminal and one stream for the receipt of at least one command from said remote terminal. Abstract drawing: Figure 1

IPC Classes  ?

  • H04L 67/025 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP] for remote control or remote monitoring of applications
  • H04L 67/1061 - Peer-to-peer [P2P] networks using node-based peer discovery mechanisms
  • H04L 67/104 - Peer-to-peer [P2P] networks
  • H04L 9/40 - Network security protocols
  • G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance
  • G06F 11/30 - Monitoring
  • G06F 9/451 - Execution arrangements for user interfaces

79.

Electronic payment device with means for blocking access to a data storage module

      
Application Number 17918022
Grant Number 11978327
Status In Force
Filing Date 2021-04-01
First Publication Date 2023-04-27
Grant Date 2024-05-07
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Goulon, Maxime
  • Andre, Jérôme
  • Soubirane, Alain

Abstract

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.

IPC Classes  ?

  • G07G 1/12 - Cash registers electronically operated

80.

DEVICE FOR DISINFECTING A KEYBOARD OF AN ELECTRONIC PAYMENT TERMINAL, AND CORRESPONDING ELECTRONIC PAYMENT TERMINAL

      
Application Number EP2022078342
Publication Number 2023/062056
Status In Force
Filing Date 2022-10-12
Publication Date 2023-04-20
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Philibert, Eric

Abstract

The invention relates to a device (12) for disinfecting a keyboard (11) of a payment terminal (10), which device is intended to be attached to an electronic payment terminal (10). The device (12) for disinfecting a keyboard (11) of a payment terminal (10) comprises an electrical power supply means (13), a support (15) which is intended to protrude relative to the surface of the keyboard (11) to be sterilized, a disinfection means (14) for disinfecting the keyboard (11) of the payment terminal (10) and attachment means (17) for attaching said device to the payment terminal (10).

IPC Classes  ?

  • A61L 2/10 - Ultraviolet radiation
  • A61L 2/26 - Accessories
  • G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

81.

Security element, electronic card, electronic payment terminal and corresponding assembly method

      
Application Number 17795715
Grant Number 11878544
Status In Force
Filing Date 2021-01-28
First Publication Date 2023-03-02
Grant Date 2024-01-23
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Lambert, Xavier
  • Dajon-Lamare, Bertrand

Abstract

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.

IPC Classes  ?

  • G06F 21/87 - Secure or tamper-resistant housings by means of encapsulation, e.g. for integrated circuits
  • B42D 25/47 - Associating two or more layers using chemicals or adhesives using adhesives
  • B42D 25/30 - Identification or security features, e.g. for preventing forgery
  • B42D 25/455 - Associating two or more layers using heat

82.

Device for interconnecting two terminals

      
Application Number 17786926
Grant Number 12032504
Status In Force
Filing Date 2020-12-11
First Publication Date 2023-02-02
Grant Date 2024-07-09
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Goulon, Maxime
  • Philibert, Eric

Abstract

A device for interconnecting two communication terminals. More particularly, the device interconnects a first terminal with a second terminal. The device includes a first male connector, intended to be inserted into a corresponding female connector of the first terminal and a second male connector intended to be inserted into a corresponding female connector of the second terminal. The first male connector is a reversible connector including at least two sets of functionally identical pins. The device also includes a female connector, at least partially connected to a first set of pins of the first male connector by a transfer circuit and the second male connector is at least partially connected to a second set of pins of the first male connector by an interconnection circuit.

IPC Classes  ?

  • G06F 13/40 - Bus structure
  • H04M 1/02 - Constructional features of telephone sets
  • H04M 1/72409 - User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories

83.

Transaction authentication method, server and system using two communication channels

      
Application Number 17784861
Grant Number 12229772
Status In Force
Filing Date 2020-12-11
First Publication Date 2023-01-12
Grant Date 2025-02-18
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Naccache, David
  • Beunardeau, Marc
  • Connolly, Aisling
  • Geraud, Rémi
  • Koudoussi, Hiba

Abstract

A transaction method for a user using a first and a second terminal and connected to a server via a first and a second communication channel, respectively. The first terminal sends a transaction amount to the server. The server establishes a verification code whose length depends on the transaction amount, then sends a request to the first terminal and the verification code to the second terminal. The user returns the request filled in with a copied code to the server using the first terminal. The server compares the verification code with the copied code and sends a transaction validation or invalidation message to the first terminal depending on the comparison.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/38 - Payment protocolsDetails thereof
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

84.

Method for cogenerating a shared cryptographic material, devices, system and corresponding computer program

      
Application Number 17782474
Grant Number 12177337
Status In Force
Filing Date 2020-11-25
First Publication Date 2023-01-05
Grant Date 2024-12-24
Owner Banks and Acquirers International Holding (France)
Inventor Geraud, Rémi

Abstract

In a method for cogenerating a shared cryptographic material implemented within a first electronic device, which is connected to a second electronic cogeneration device and to a third electronic cogeneration device, a shared encryption material (pkx) is determined, as a function of a set of cogeneration parameters ECG. The shared encryption material (pkx) is transmitted, and corresponding shared encryption materials (pky, pkz) are received from the other devices. A shared seed (mx) is computed as a function of the shared encryption materials (pkx, pky, pkz) and the set of cogeneration parameters ECG. A masked form (Ox) of said shared seed (mx) is transmitted, and masked forms (Oy, Oz) of corresponding shared seeds (my, mz) are received. A final seed (ad) is computed as a function of the masked forms (Ox, Oy, Oz) of the shared seeds (mx, my, mz) and the set of cogeneration parameters ECG.

IPC Classes  ?

  • H04L 9/08 - Key distribution
  • H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems

85.

TRANSACTION AUTHENTICATION METHOD USING TWO COMMUNICATION CHANNELS

      
Application Number EP2022067612
Publication Number 2023/274979
Status In Force
Filing Date 2022-06-27
Publication Date 2023-01-05
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Leger, Michel
  • Beunardeau, Marc
  • Connolly, Aisling
  • Geraud, Rémi
  • Naccache, David
  • Trichina, Elena

Abstract

The invention relates to a dual-factor authentication method (100). A terminal is connected to a bank transaction server via first and second communication channels that are logically separate from one another. It implements the following steps: - the server determines a verification code for the transaction and sends a message containing the code to the terminal via the second channel, - the server sends a request asking the terminal to return the code via the first channel to the terminal via the first channel, - the terminal receives the request over the first channel, - the terminal automatically detects (102) receipt of the message over the second channel and automatically identifies (104) the verification code for the transaction in the message, - the terminal returns (108) a response to the request, comprising the identified code, to the server via the first channel.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
  • G06Q 20/38 - Payment protocolsDetails thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

86.

Electronic payment terminal and corresponding method for optimising operation and computer program

      
Application Number 17778631
Grant Number 12073278
Status In Force
Filing Date 2020-11-03
First Publication Date 2022-12-29
Grant Date 2024-08-27
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Andre, Jérôme
  • Soleilhavoup, Olivier
  • Granddidier, Yann

Abstract

An electronic payment terminal including a magnetic-memory card reader and a card passage, wherein a magnetic-memory card is intended to slide. The card passage extends in a plane substantially parallel to a top face of the electronic payment terminal. At one end of the housing of the electronic payment terminal, a part of the bottom wall of the card passage extends beyond the top wall of the card passage. The electronic payment terminal furthermore includes at least one first front camera integrated at the end of the electronic payment terminal, in a plane substantially parallel to the top face of the electronic payment terminal, below the bottom wall of the card passage extending beyond the top wall of the card passage.

IPC Classes  ?

  • G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes

87.

ELECTRONIC DEVICE FOR PROCESSING SESSION DATA AND CORRESPONDING METHOD AND PROGRAM

      
Application Number EP2022067404
Publication Number 2022/269062
Status In Force
Filing Date 2022-06-24
Publication Date 2022-12-29
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Quentin, Pierre
  • Leger, Michel
  • Roux, Vincent

Abstract

The invention relates to a device for processing communication session data from communication devices, comprising at least one data processing unit, one storage unit and at least one communication interface with a telecommunication network, the device comprising: - means for receiving a plurality of session recordings from at least one server, wherein the sessions recordings are derived from the activities of a plurality of communication devices; - means for aggregating, within an aggregation data structure, at least one session recording, belonging to the plurality of session recordings, to at least one profile of a communication device, such that the profile of the communication device is associated with a time-ordered sequence of session recordings.

IPC Classes  ?

  • G06F 16/957 - Browsing optimisation, e.g. caching or content distillation
  • G06Q 30/02 - MarketingPrice estimation or determinationFundraising

88.

METHOD FOR SECURE DATA EXCHANGE

      
Application Number FR2022051122
Publication Number 2022/269161
Status In Force
Filing Date 2022-06-13
Publication Date 2022-12-29
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Candel, Gaëlle

Abstract

lii) assigned to the object (obj_i); - for one object (obj_i), selecting (103) a subset of other objects (obj_j); - communicating (104) measured parameters to the other operators; - receiving (105) at least one similarity factor pli,ji,j; - determining (106) another similarity factor pli,ji,j between the object (obj_i) and said other object (obj_j); - determining (107) a probability that the object (obj_i) and said object (obj_j) of the subset of objects (obj_j) belong to the same class; and - updating (108) the class assigned to the object (obj_i).

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06K 9/62 - Methods or arrangements for recognition using electronic means
  • G06N 20/20 - Ensemble learning

89.

SYSTEM AND METHOD FOR EXCHANGING PAYMENT DATA BETWEEN A CASH REGISTER AND A DEVICE FOR ACQUIRING ELECTRONIC PAYMENTS

      
Application Number 17621356
Status Pending
Filing Date 2020-06-22
First Publication Date 2022-12-08
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Naccache, David
  • Polechtchouck, Pavel
  • Trichina, Elena

Abstract

A payment system including an electronic cash register associated with a physical point of sale of a merchant; and a payment acquisition device for advantageously cooperating with a payment issuing device of a client via a first link. Such a payment acquisition device transmits payment transaction messages (MSGT) to a bank server via a second link in order to implement electronic payment transactions. The payment acquisition device is configured to include a mechanism for capturing a view of any invoice issued by an electronic cash register, and the processing unit of such a payment acquisition device is configured to trigger the capture of at least one digital representation of the invoice and to automatically detect and determine therefrom the payment amount of the relevant financial transaction.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems

90.

METHOD FOR PROCESSING A TRANSACTION, DEVICE AND CORRESPONDING PROGRAM

      
Application Number EP2022065178
Publication Number 2022/254002
Status In Force
Filing Date 2022-06-03
Publication Date 2022-12-08
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Quentin, Pierre
  • Dubreuil, Arnaud

Abstract

The invention relates to a method for executing a transaction between a transaction implementation terminal (TProf) and a communication device (Dton) which is located near the transaction implementation terminal (TProf ). Such a method comprises a step of preparing (A10) the transaction to be executed within the transaction implementation terminal (TProf), thereby outputting a set of intermediate transaction execution data; a step of transmitting (A20) the intermediate transaction execution data to the communication device (Dton); and a step of executing (A30) the transaction by the communication device (Dton) using the at least one item of intermediate transaction execution data and at least one item of personal data (Sgn, PIN) of the user who holds the communication device (Dton), such execution thereby outputting an execution result that is transmitted (A40) to the transaction implementation terminal (TProf).

IPC Classes  ?

  • G06F 21/10 - Protecting distributed programs or content, e.g. vending or licensing of copyrighted material
  • H04W 12/08 - Access security
  • H04L 9/40 - Network security protocols

91.

Service application system for payment terminals

      
Application Number 17621337
Grant Number 12175442
Status In Force
Filing Date 2020-06-17
First Publication Date 2022-11-17
Grant Date 2024-12-24
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Batista, Amilcar

Abstract

A platform for services able to be integrated into a payment solution. The platform also offers a graphical programming tool for payment solutions, which allows a user of the platform to define a payment solution by integrating the desired services and by parameterizing them. This graphical programming tool may be used without requiring any computing knowledge. The graphical programming tool makes it possible to generate two pieces of software, for example script-based software, one intended to be executed on the payment terminal and to collaborate with the other one on a server of the service platform in order to provide a payment solution.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems

92.

Hybrid transaction card reader system

      
Application Number 17620821
Grant Number 11934906
Status In Force
Filing Date 2020-06-19
First Publication Date 2022-09-29
Grant Date 2024-03-19
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Panetta, Florence
  • Fabregoule, Olivier
  • Devornique, Roger
  • Morel, Pierre
  • Allirot, Richard

Abstract

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.

IPC Classes  ?

  • G06K 7/00 - Methods or arrangements for sensing record carriers
  • H05K 1/02 - Printed circuits Details

93.

Method of communication between two sub-systems constituting a modular payment terminal

      
Application Number 17780607
Grant Number 11861991
Status In Force
Filing Date 2020-11-25
First Publication Date 2022-09-22
Grant Date 2024-01-02
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Pouhaer, Benoît
  • Schang, Bernard
  • Cazou, Dominique
  • Auffray, Christophe

Abstract

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.

IPC Classes  ?

  • G06F 9/4401 - Bootstrapping
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
  • G06Q 20/20 - Point-of-sale [POS] network systems

94.

PAYMENT DEVICE INTEGRATED INTO AN UNATTENDED ELECTRONIC PAYMENT TERMINAL

      
Application Number EP2022056744
Publication Number 2022/194889
Status In Force
Filing Date 2022-03-15
Publication Date 2022-09-22
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Soubirane, Alain
  • Robert, Franck
  • Soleilhavoup, Olivier
  • Rakotobe, Mampionona
  • Bohorquez Prieto, Andres
  • Goulon, Maxime
  • Demange, Fabien

Abstract

The proposed technique relates to an electronic payment device (10) intended to be integrated into an unattended electronic payment terminal, said electronic payment device comprising at least one electronic card (14), a screen (12) and a keypad (13), said electronic payment device being characterised in that it comprises a contactless payment module comprising at least one contactless antenna (11) arranged in a plane, referred to as an antenna plane (P-CLESS), which is raised by a first predetermined distance (d1) with respect to the plane (P-K) of said keypad and is raised by a second predetermined distance (d2) with respect to the plane (P-Dis) of said screen, said second predetermined distance (d2) being less than said first predetermined distance (d1).

IPC Classes  ?

  • H01Q 1/22 - SupportsMounting means by structural association with other equipment or articles
  • G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
  • H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems

95.

Payment card reading system having a protective flap

      
Application Number 17627015
Grant Number 12271770
Status In Force
Filing Date 2020-07-03
First Publication Date 2022-09-01
Grant Date 2025-04-08
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Allirot, Richard
  • Morel, Pierre

Abstract

A transaction card reading system, which includes: a transaction card reader having a slot for inserting a transaction card; and a protective flap movable between two positions: a closed position wherein the flap closes the insertion slot, and an open position wherein the flap is disposed at least partly outside the insertion slot. The protective flap includes a closure element integrally mounted on a one-piece support element, the closure element being shaped and dimensioned to close the insertion slot in the closed position. The one-piece support element includes at least one elastically deformable portion so as to allow switching from the closed position to the open position and vice versa.

IPC Classes  ?

  • G06K 13/08 - Feeding or discharging cards
  • G06K 13/04 - Details, e.g. flaps in card-sorting apparatus

96.

Secure electronic circuit and corresponding assembly process

      
Application Number 17625959
Grant Number 12028981
Status In Force
Filing Date 2020-07-08
First Publication Date 2022-08-04
Grant Date 2024-07-02
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Rossignol, Michel
  • Lambert, Xavier
  • Vassy, Lilian
  • Curinier, Christophe

Abstract

An electronic circuit, which includes: a printed circuit, at least one first electronic component and at least one second electronic component. The at least one first electronic component includes an interconnection face provided with electrical interconnections brazed on an external face of the printed circuit. The interconnection face is opposite the external face. The brazed electrical interconnections form at least one space between the interconnection face and the external face. The at least one second electronic component is brazed on the external face and is at least partly housed in the at least one space.

IPC Classes  ?

  • H05K 1/18 - Printed circuits structurally associated with non-printed electric components
  • H05K 1/02 - Printed circuits Details
  • H05K 3/34 - Assembling printed circuits with electric components, e.g. with resistor electrically connecting electric components or wires to printed circuits by soldering

97.

Method for assisting the use of an electronic transaction device.

      
Application Number 17618712
Status Pending
Filing Date 2020-06-12
First Publication Date 2022-08-04
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Blanc, Olivier
  • Carabelli, André
  • Pavageau, Stéphane

Abstract

A method for assisting the use of an electronic transaction device. The method includes activating an assisted mode, the activation of the assisted mode being triggered by a detection of a placement of a data entry assistance accessory on a touch screen of the electronic transaction device.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

98.

METHOD FOR CALCULATING AT LEAST ONE SCORE REPRESENTATIVE OF A PROBABLE ACTIVITY BREAKAGE OF A MERCHANT, SYSTEM, APPARATUS AND CORRESPONDING COMPUTER PROGRAM

      
Application Number EP2021087610
Publication Number 2022/136692
Status In Force
Filing Date 2021-12-23
Publication Date 2022-06-30
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor Pirson, Stephan

Abstract

The disclosure relates to a method for calculating at least one score representative of a probable upcoming breakage of a monitored system, the method being implemented within an Upcoming breakage Detection System (ABDS) connected to a communication network (NTWK) through a communication network for obtaining (10), from several data sources (MAMS, CNCS, MRS, ODS), data representing activities of the system, the method comprising: a data cleaning (20), and delivering time series (TS#1, TS#2), on the basis of data collected from the data sources, for the monitored system; a compilation, and delivering, for the system, at least one set of aggregate statistics (AGF), based on said at least one time series (TS#2); a computation (30), delivering, from said at least one first time series (TS#1), at least one score representing sentiment of said monitored system; a computation (40) delivering, from said at least one second time series (TS#2), at least one score representing transaction evolution; a prediction (50), using said at least one score representing sentiment of said monitored system, at least one score representing transaction evolution and said aggregate statistics (AGF), delivering said at least one score representative of a probable upcoming breakage of said monitored system.

IPC Classes  ?

  • G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
  • G06Q 10/06 - Resources, workflows, human or project managementEnterprise or organisation planningEnterprise or organisation modelling

99.

Method for processing a payment transaction, and corresponding device, system and programs

      
Application Number 17432711
Grant Number 12347437
Status In Force
Filing Date 2020-02-20
First Publication Date 2022-06-23
Grant Date 2025-07-01
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Dubreuil, Arnaud
  • D'Avout, Quiterie
  • Quentin, Pierre

Abstract

A method for registering a user to a voice service. The method is implemented by an interface server and includes: obtaining, by using an electronic voice processing device including at least one component for capturing audio samples, at least one voice sample of the user; obtaining, from the at least one voice sample of the user, at least one information item for confirming consent of the user to the conditions for accessing the voice service; obtaining, from the voice sample, at least one information item associated with the user; and computing a reference voice print associated with the user.

IPC Classes  ?

  • G10L 17/04 - Training, enrolment or model building
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G10L 17/02 - Preprocessing operations, e.g. segment selectionPattern representation or modelling, e.g. based on linear discriminant analysis [LDA] or principal componentsFeature selection or extraction
  • G10L 17/06 - Decision making techniquesPattern matching strategies
  • G10L 17/24 - the user being prompted to utter a password or a predefined phrase
  • H04M 3/42 - Systems providing special services or facilities to subscribers
  • G10L 17/14 - Use of phonemic categorisation or speech recognition prior to speaker recognition or verification

100.

METHOD OF PROCESSING DATA FROM A DATA SOURCE, APPARATUS AND COMPUTER PROGRAM

      
Application Number EP2021086641
Publication Number 2022/129605
Status In Force
Filing Date 2021-12-17
Publication Date 2022-06-23
Owner BANKS AND ACQUIRERS INTERNATIONAL HOLDING (France)
Inventor
  • Parareda, Xavier
  • Klaver, Jan

Abstract

The invention relates to a method of processing data from a data source, said processing method being implemented via an electronic device for processing data sources, said data source being in the form of a database comprising at least one table, said at least one table comprising at least one column.

IPC Classes  ?

  • G06F 16/28 - Databases characterised by their database models, e.g. relational or object models
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