Tamper-Proof Transaction Processing Device With Layered Housing
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Solution Overview
Problem
Existing unattended payment mechanisms, such as card not present transactions and unattended POS hardware, are vulnerable to fraud and tampering, lacking the security and cost-effectiveness of supervised point of sale transactions.
Innovation Solution
A tamper-proof transaction processing device with a housing comprising protective layers and secure adhesives, coupled with a data processing device that verifies payment instrument identity and communicates with a server to ensure secure and cost-effective transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of manufacture
If unattended payment mechanisms are used, then cost-effectiveness is improved, but security deteriorates
Solution Approach 1:
The system divides the payment verification process into multiple independent components: a payment instrument with secure element, a data processing device with display, and a server for authentication. This segmentation allows each component to have specialized security functions while maintaining overall system cost-effectiveness through modular architecture.
Solution Approach 2:
The patent introduces a server as an intermediary between the payment instrument and the data processing device. The server acts as a trusted mediator that performs identity validation and transaction authorization, enabling unattended payment while maintaining security levels comparable to supervised transactions.
2Ease of operation
If card not present transactions are used, then ease of operation is improved, but vulnerability to fraud increases
Solution Approach 1:
The system performs preliminary identity validation and authentication before the actual payment transaction. The server verifies the payment instrument's identity and authorizes the transaction in advance, ensuring that only legitimate transactions are processed while maintaining ease of operation for authorized users.
Solution Approach 2:
The system implements feedback mechanisms where the server communicates authentication results and transaction status back to the data processing device and user. This feedback loop provides real-time verification and confirmation, reducing fraud vulnerability while maintaining operational simplicity.
3Productivity
If unattended POS hardware is deployed, then productivity is improved, but susceptibility to tampering increases
Solution Approach 1:
The system uses visual indicators on the display to communicate the state and authenticity of the payment instrument. Color changes or visual signals indicate whether the instrument is genuine, authorized, or has been tampered with, providing immediate tamper detection without requiring physical supervision.
Solution Approach 2:
The patent replaces physical supervision and mechanical security measures with electronic and cryptographic verification systems. The secure element chip, cryptographic authentication, and digital verification protocols substitute for physical monitoring, enabling unattended operation while preventing tampering through digital security mechanisms.
Data Source
AI summary
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.