Ingenico Group

Banks and Acquirers International Holding

Pierre Quentin

David Naccache

Remi Geraud

Michel Leger

Vincent Ducrohet

Mamoudou Sylla

Christopher Rotsaert

Alain Soubirane

Eric Brier

Marc Beunardeau

Laurent Mayer

Jean-Bernard Blanchet

Rémi Geraud

Nora Dabbous

Jerome Marcon

Arnaud Dubreuil

Rémi Géraud

Slim Jabberi

Vincent Roux

Christian Delord

Quiterie D'Avout

Dorina Ghiliotto-Young

Quitterie D'Avout

Jérôme Marcon

Sylla Mamoudou

Eric M Brier

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.

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

A method for determining an association between a bankcard identifier and at least one mobile communications terminal identifier. The method is implemented by an electronic device and includes: obtaining an identifier of a current bankcard, a bankcard used to make a purchase of an article or a service by using a payment terminal, the obtaining being implemented at the time of the execution of a payment transaction made by using the bankcard; at least one step of obtaining a piece of data representative of at least one communications terminal identifier; and computing a score of correspondence between bankcard identifier and the at least one piece of data representative of a communications terminal identifier.

Method for determining an association between a bankcard and a communications terminal, device, system and corresponding program

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.

Method and device for protecting data entered by means of a non-secure user interface

A method for processing a transaction, wherein the method is implemented by an electronic device for processing transactions, accessible via a communication network. The includes a transaction processing phase. The transaction processing phase: obtaining a contextual cryptographic fingerprint, previously generated during an authentication of a user on a communication terminal; verifying validity of the contextual cryptographic fingerprint in a blockchain including a set of cryptographic fingerprints; and validating a transaction when the verifying the validity of the contextual cryptographic fingerprint in a blockchain is positive.

Method for processing a transaction, corresponding device, system and program

A method for processing a transaction of a communications terminal, requesting a server, through a communications network, for implementing a transaction involving the use of payment data. The method is implemented by the communications terminal and includes: obtaining a user identification certificate, the user identification certificate being formed out of an identity document in the possession of a user making the transaction; inserting the user identification certificate into a transaction data structure; transmitting the transaction data structure to the server; and, when the user identification certificate received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

Method for carrying out a transaction, corresponding terminal, server and computer program

A method for transmitting data, implemented within a secured execution environment of an electronic device, called a trusted component, which is coupled to a cash register. The method includes transmitting, by using a payment terminal, a piece of data intended for cash register. The method includes, prior to transmitting the data: receiving, from the cash register, a first request for setting up a first secured communications channel with the trusted component; setting up the first secured communications channel by using at least one piece of data contained in the first request; receiving, from the payment terminal, a second request for setting up a second secured communications channel with the trusted component; and setting up the second secured communications channel with the payment terminal by using at least one piece of data of the second request.

Method of data transmission, corresponding device, system and computer program

A method for processing a transaction of a communications terminal, asking a server, through a communications network, for processing of a transaction involving the use of payment data. The method is implemented within the communications terminal. The method includes: transmitting a request for obtaining a certification code to the payment method whose data is used for the transaction; receiving the certification code coming from the payment method; inserting the certification code into a transaction data structure; transmitting the transaction data structure to the server; and when the certification code received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

Method for carrying out a transaction, terminal, server and corresponding computer program

A method for the transmission of data to a magnetic read head of a payment terminal. The method is implemented by an electronic device capable of generating a magnetic field representative of an encoding of the data to be transmitted, and the transmission of the data includes a plurality of emissions of a same sequence of standardized data. The standardized data is data representative of a payment means and is formatted according to the ISO/IEC 7813 standard. The method further includes transmitting secondary data that are emitted between two successive emissions of the sequence of standardized data.

Method for transmitting data to a magnetic reading head, method for processing received data, corresponding payment terminal and program

A method of secure reception, in a card reader, of a piece of data entered into a terminal connected to the card reader. The method includes the following acts by the card reader: obtaining an encipherment reader key from the card reader; encrypting the encipherment reader key by using an authentic encipherment key shared between the card reader and an authentication server, delivering an encrypted reader key; sending the encrypted reader key to the authentication server for transmission of the reader key from the authentication server to the terminal; receiving an encrypted key sent by the authentication server, resulting from an encryption of a terminal key, obtained by the authentication server, by using the authentic key; and receiving encrypted data sent by the terminal, resulting from an encryption, by using at least the reader key and of the terminal key, of the at least one piece of data.

Methods and devices for the secure transmission of data between a terminal, and a card reader, and corresponding computer program product

A method for processing transaction data, implemented by a communications terminal having a touch screen. The method includes: detecting a necessity of entering a piece of personal identification data; transmitting to a card reader connected to the communications terminal a request for supporting a display of a virtual keypad, the request comprising a piece of data representing a passage of the communications terminal from a 'master' mode to a 'slave' mode of operation, the slave mode leading to implementation of the method for processing transaction data under the exclusive control of the card reader; of entry, by the user on the virtual keypad, of the piece of personal identification data; and receiving, from the card reader, the piece of personal identification data.

Method for processing transaction data, corresponding communications terminal, card reader and program

The invention relates to a method for processing transactional data representing a payment between a user (U) and a merchant (M), the method being implemented by an electronic device for processing transactions situated within a communications network. Such a method comprises:

Method for processing transactional data, corresponding device and program

A method for the processing, by a transaction-processing server, of a transaction at least partially initiated from a communications terminal connectable to the server by using a communications network. This method includes: creating a secured communications channel with the communications terminal; instantiation, within an execution server on the communications network, of a virtual payment terminal capable of exchanging information with the communications terminal by using the secured communications channel; and processing a transaction between the communications terminal and the virtual payment terminal implementing at least one secure element of the communications terminal, the secure element being configured to exchange an identifier of the type of service.

Method for processing a transaction from a communication terminal

The invention relates to a method for processing a recurring transaction for access to a good or to a service by a transactional processing device (DTT), the method comprising an initial step for obtaining a piece of data representing a processing instruction (iTrR) for processing a recurring transaction (TrR), the method being characterized in that it comprises:

Method for processing a recurring transaction, corresponding device and program

A method for processing a payment transaction implemented by an autonomous electronic device for processing payment transactions, called a payment kiosk. The payment kiosk includes a processor connected to at least one rendering device for rendering offers of items or services being vended and linked to at least one communications interface and to at least one contactless payment terminal. The a method includes: transmission, by a browser installed within the payment kiosk, of a request for obtaining contents made to a contents server; reception, by the browser, coming from the contents server, of an HTML content including at least one payment tag; processing the HTML content, delivering a view of the HTML content on the at least one rendering device; and preparation, by anticipation, by the contactless payment terminal, of at least one payment transaction as a function of data attributes of the at least one payment tag.

Method for processing a payment transaction, corresponding payment kiosk and program

A method for executing a user application is disclosed. The method is implemented within a communications terminal of the type having a trusted environment. The trusted environment has a secured storage space and a secured applications execution module. The method has: a step of reception, within the trusted environment, of an instruction for launching a user application; a step of transmission, to a server, of a request for executing said user application; a step of reception, from the server, by a video-rendering application that is executed within the trusted environment, of a video stream resulting from the execution, on the server, of said user application; and a step for displaying said video stream on a screen of said communications terminal accessible from said trusted environment.

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Enghien les Bains, France

Pierre Quentin