BE1023815B1 - MULTI-SUPPORT PAYMENT TERMINAL - Google Patents

Abstract

The present invention relates to a terminal comprising an architecture creating a security cage adapted to detect any intrusion or attempted intrusion into the volume formed by said cage.

Description

MULTI-SUPPORT PAYMENT TERMINAL TECHNICAL FIELD OF THE INVENTION

The invention relates to the field of terminals in particular terminals comprising smart card readers and magnetic, and contactless payment means and their use in automated payment terminals or withdrawal of money or terminals security or vending machines.

STATE OF THE PRIOR ART

With the development of technologies, it has emerged over the years multiple payment methods: smart card, magnetic stripe card, cards or devices using a contactless identification technology, such as communication near field or NFC, RFID or RFID, visual authentication codes, for example, QR code, light sequence, biometric recognition etc.

With such a large amount of payment means available to people and especially customers / users, it becomes essential, especially for merchants, to accept a wide choice of payment methods to avoid losing said customer / user. To do this, it is necessary to avoid the multiplication of payment terminals accepting only one means of payment.

Indeed, this multiplication of payment terminals necessarily entails a number of disadvantages, in particular, the amount of space required to store them, the individual cost of maintenance but also of use and their monitoring and securing faced with multiple manipulations and particularly against acts of malicious intent seeking to collect the information or signal relating to payment.

SUMMARY OF THE INVENTION

The present invention therefore aims to provide a compact payment terminal accepting multiple payment media, and to overcome at least some of the disadvantages of the prior art.

For this purpose, the invention relates to a terminal in particular a terminal having a screen performing a display function and keyboard and characterized in that it comprises at least: - A smart card reader contact, - A magnetic stripe card reader, comprising a read head, - An NFC sensor comprising an NFC antenna arranged around the screen, - At least one proximity sensor, activating certain functionalities of the terminal when detecting a user nearby, - A main electronic card provided with at least one processor and connected to the readers, sensors and the screen, the main electronic card being configured to drive said readers, sensor and screen, by performing detection functions, privacy data protection with the display screen and control of the virtual keyboard on the screen, security and authentication of payment transactions nt and secure communication operations with the external environment, - An electronic connection card comprising at least one security layer, the electronic connection card being connected to the main electronic card and able to allow the terminal to communicate with the external environment and to receive the power supply, - A front electronic security card comprising at least one security layer, the front electronic security card being able to be arranged behind the screen and the NFC antenna, - A membrane safety hose comprising at least one safety layer, and being capable of covering the sides of the device with the exception of the front face and the rear face of the terminal, the front electronic security card, the electronic connection card and the membrane flexible security together form a security cage connected the electronic card e main, in the security cage the electronic components of the cards and the inter-card connection means are arranged, the density of the conductors in each element of the security cage being able to allow detection by the main electronic card, any intrusion inside the volume formed by the security cage and the immediate blocking by the main card of any payment transaction processing after the detection of an intrusion.

According to a feature, the elements of the terminal are arranged in an outer fairing capable of covering a frame and comprising at least: - a slot adapted to the passage of a smart card - a first opening on the front of the terminal and giving access to the screen required for the display and virtual keyboard function, - a second opening on a lateral face of the terminal and giving access to at least one read head of a magnetic stripe card reader, the chassis being consisting of at least three compartments: - a first compartment provided with a slot which coincides with the slot of the outer fairing and adapted to receive the contact chip card reader, - a second compartment, one of whose sides, corresponding to the front face of the terminal, is obstructed by the screen necessary for the display function and virtual keyboard and by the NFC antenna surrounding the screen, - a third compartime nt (15) adapted to receive the main electronic card, and one of the sides of the compartment corresponding to the rear face of the terminal, is obstructed by the electronic board connection, and in that said flexible security membrane is disposed between the outer fairing and the chassis.

In another feature, the electronic connection card is provided with at least one sensor for removing the outer fairing.

In another feature, the terminal comprises a video sensor connected and controlled by the main electronic card.

According to another feature, the NFC antenna is connected to the NFC sensor on the front electronic board security, by a flexible printed circuit, the screen is connected to the main electronic card by a flexible printed circuit passing through the security cage, the printed circuits may comprise at least one security layer.

According to another feature, the electronic connection card comprising at least one security layer and is connected to the main electronic card by means of a connector of the wrong / female torque type.

In another feature, the security layers consist of a safety wiring forming a pattern covering the entire surface of the security layer, the pattern having a fine pitch preventing any modifications or alteration of the security layer without being detected. by the main electronic board.

According to another feature, the periphery of the slot of the outer fairing is made of a translucent material and provided with a backlight allowing a user to detect any foreign device to the terminal capable of capturing information during its use.

In another feature, the smart card reader is oriented so that the introduction of a smart card into the slots is performed at an angle between 0 ° and 90 °, relative to the front face of the terminal, preferably between 20 ° and 60 °, more preferably between 30 ° and 45 °.

In another feature, the proximity sensor, the players and the video sensor are connected to the main electronic board.

In another feature, the electronic connection board comprises, on the outer surface of the safety cage, at least one port adapted to receive a connector type Ethernet, and / or Series, and / or USB, and / or or a memory card, and / or an additional electronic card to provide additional functionality, in particular, wireless communication.

In another feature, the outer fairing and the terminal elements are arranged to form a fully sealed terminal.

In another feature, the NFC antenna is integrated in a seal around the screen.

Thus the terminal constitutes a tamper-proof terminal that can be used on a terminal of payment, withdrawal of money, or control of an automatic dispensing machine and sale of products.

According to another embodiment of this tamper-proof terminal may be arranged in a specific fairing which with the other elements of the tamper-proof terminal may allow to obtain a tamper-proof and waterproof terminal.

BRIEF DESCRIPTION OF THE FIGURES

Other features, details and advantages of the invention will become apparent on reading the description which follows with reference to the accompanying figures, which illustrate: FIG. 1 illustrates a view of an embodiment of the device 1, - FIG. 2 illustrates a longitudinal sectional view of the frame 6 of an embodiment, FIG. 3 illustrates a schematic view of the device without the outer fairing 2; FIG. 4 illustrates a schematic representation of the connection between the various elements of the device, FIG. 5 illustrates a schematic view of a screen (5) used of an embodiment of the device 1, - FIG. 6 illustrates a schematic view of a read head 36 of a magnetic stripe card reading means used in an embodiment of the terminal 1, FIG. 7 illustrates a close-up of the slot 8 of the first compartment 7, - FIG. 8 illustrates a close-up of a sectional diagram of an embodiment according to the invention of the device 1, the close-up being concentrated on the slots 3, 8 allowing the introduction of a chip / chip card in the terminal, - Fig. 9 illustrates an exploded view of the elements constituting the device 1, without the frame 6 and the outer fairing 2, FIG. 10 illustrates an exploded view of the elements that make up the safety cage 19 with the frame 6, - FIG. 11, illustrates a schematic view of the interaction between the electronic connection board 16 and the main board 17, FIG. 12, illustrates a schematic view of the interaction between the safety tip before 13 and the main board 17, - FIG. 13 and 14 illustrate schematic views of the sealing means 31, - FIG. 15 illustrates a longitudinal sectional view of the device 1.

DETAILED DESCRIPTION OF DIFFERENT MODES FOR CARRYING OUT THE INVENTION

Many combinations can be envisaged without departing from the scope of the invention; the skilled person will choose one or the other depending on the economic, ergonomic, dimensional or other constraints that must be respected.

More particularly, according to a mode of the invention illustrated by at least one of Figures 1 to 15, the terminal comprises at least: • an outer fairing 2 which can contain all the elements of the device and provided with at least a slot 3 adapted to the passage of a smart card, o a first opening 4 on the front face of the terminal and giving access to the screen necessary for the display function and virtual keyboard, o a second opening 5 on a lateral face of the terminal and giving access to at least one read head of a magnetic stripe card reader, • a frame 6 composed of at least three compartments: o a first compartment 7 provided with a slot 8 adapted when passing a smart card. The compartment 7 is adapted to receive a contact chip card reading means 9, preferably this water-resistant chip card reading means, that is to say that it continues to function even if it has been exposed to water, Once the terminal is assembled, the slots 3 and 8 coincide so that a chip card can be inserted in the smart card reader 9. o a second compartment 10 one of its sides, corresponding to the front face of the terminal, is obstructed by a screen 11 necessary for the display function and virtual keyboard 40 and by an NFC antenna 12 surrounding the screen 11. The second compartment 10 is adapted to receive a front electronic security card 13 comprising at least one security layer 14, the front electronic card 13 being disposed behind the screen 11 and the NFC antenna 12. o a third compartment 15 which one of its sides, corresponding to the face rear terminal of the terminal, is obstructed by an electronic board connection 16 comprising at least one security layer 14. The electronic connection card 16 allows the payment terminal 1 to communicate with the external environment and receives the power supply required for the operation of the terminal 1. The third compartment 15 is also adapted to receive at least one main electronic card 17 provided with at least one processor 38 or microcontroller 38 and connected to at least the smart card reader 9 and the screen 11 , and optionally other readers 27, and sensor 20, 28, 29, and 39.

As illustrated in FIG. 4, the main electronic card 17 is connected to the various electronic cards 13, 16 and configured to control the various elements of the terminal 1, in particular readers 9, 27, sensors 20, 28, 29, and 39. , and screen 11, by performing detection functions, data privacy protection with the screen display and control of the virtual keyboard 40 on the screen 11, security and authentication of payment transactions and transactions. secure communication operations with the external environment, in particular a computer system [0026] The computer system may be another electronic device, for example a cash register, a computer server, a sales automat, a payment terminal or any other system computerized system known to those skilled in the art. Communication with the computer system can be wired or wireless (wifi, GPRS, 3G, 4G, Bluetooth, LiFi, infrared, radio frequency).

A flexible safety membrane 18 comprising at least one security layer 14, and covers the frame 6, in particular the sides of the device 1 with the exception of the front face and the rear face of the terminal, and so as to be arranged between the outer fairing 2 and the frame 6 when the terminal 1 is assembled.

Such a construction, flexible security membrane 18 + electronic card connection 16 + security front electronic card 13, to create a security cage 19 which is connected to the main card 17. As shown in Figures 9 and 10, it is in this safety cage 19 that the electronic components of the electronic cards 13, 16, 17 and the inter-card link conductors are arranged. The density of the conductors in each element of the security cage, and in particular the different security layers 14 of the cards and the membrane, are capable of enabling detection by the main electronic card 17 of any intrusion or attempted intrusion into the security card. inside the volume formed by the safety cage. When such an intrusion or attempt is detected, the processor automatically initiates the immediate blocking of any payment transaction processing and sends an alarm to the external environment, preferably the network to which the terminal is connected by means of the payment card. connection 16.

In another embodiment, the electronic connection board 16 is provided with at least one removal sensor 20 of the outer fairing 2.

In another embodiment, the electronic connection card 16 comprises, on the outer surface of the security cage 19, at least one port adapted to receive a connector of the Ethernet type 21, and / or Series 22, and / or USB 23, and / or a memory card 24, and / or a wireless connection connector (Wifi, GPRS, 3G, 4G, Bluetooth, LiFi, infrared, radiofrequency) 25, and / or an additional electronic card 26 so to offer additional features.

According to the embodiments, the terminal 1 may be provided with different readers or additional sensors to provide a wide range of payment means, for example, a magnetic stripe card reader 27, a reader of chip card 9, an NFC sensor 28, a video sensor 29 to recognize an identifier such as a card / identification object, a QR code, a light signal, biometric and / or morphological characteristics.

In another embodiment, the terminal further comprises a camera 29 or a proximity sensor 39, which can identify or detect the presence of a user, for example to illuminate the touch screen and trigger the displaying a first usage message. The outer fairing 2 then preferably comprises, at the position of the camera 29 or the proximity sensor 39 (camera 29 and proximity sensor 39 may be combined) a transparent material. Preferably, said transparent material is included in the outer fairing 2 at the time of manufacture thereof (during the molding step for example), in order to obtain a join between the material constituting the outer fairing 2 and the outer fairing 2. transparent material completely waterproof.

The various readers or sensors are connected 30 (9/27), 30 (20/28/29/39) and 30 (11) to the electronic cards, preferably directly on the main electronic card 17 in order to be controlled. and driven by the processor 38. Nevertheless, for some embodiment, the sensors or readers can be connected to another electronic card, for example, the NFC antenna 12 disposed around the screen 11 is preferably connected to a "frontend 28 located on the front electronic card 13 to minimize the distance between the antenna 12 and the "frontend" 28 to prevent any kind of electromagnetic disturbance.

In one embodiment, the connection between the sensors / readers and the electronic cards is performed by a cable 30, or preferably by a printed circuit 30, advantageously this one is flexible and possibly impermeable, the connections between the sensors / readers and the electronic cards pass into the security cage 19 and each connection circuit board 30 may comprise at least one security layer 14.

According to one embodiment, the security layers 14 consist of a safety wiring forming a pattern covering the entire surface of the security layer 14, the pattern having a fine pitch preventing any modifications or alterations of the security layer. without being detected, for example by the main electronic card 17 to form a tamper-proof system.

According to another embodiment, the elements constituting the terminal can be inserted into a waterproof outer fairing 2, additional modifications can be undertaken to obtain a sealed terminal. For example, the first 7 and third compartments 15 are arranged so that they can accommodate through their respective walls, at least the printed circuit 30 between the main electronic card 17 and the chip card reader 9. Advantageously the connection 30 passes through a sealing means 31 placed in at least one wall of the first and / or third compartment (s) so that water can not pass from the first compartment to the third compartment. compartment.

Thus, according to the embodiments, when the terminal 1 comprises a first 7 and a third compartment 15 having a common wall (by "common wall" means: two walls juxtaposed to one another, or a single wall having for each outer surface a different compartment), a single sealing means 31 may be used in the common wall to allow the electronic connection means 30 to pass from one compartment to the other compartment while maintaining the compartment, which includes at least the main electronic card 17 waterproof. When the device comprises more than two compartments, one can choose to put more than one sealing means 31 to ensure the tightness of all compartments crossed by the connection between the main electronic card 17 and the card reader smart 9.

The sealing means 31 may be a seal or any other element known to those skilled in the art to prevent water from passing but allowing the passage of the electronic connection means 30. Such a seal may be compressed between the two walls juxtaposed compartments forming the common wall or be integrated into the single wall during manufacture thereof.

In one embodiment illustrated in Figures 13 and 14, the sealing means 31 is of elastic material and preferably comprises a slot 32 provided with at least two lips 33 which overlap so that the lips 33 marry the surface of the electronic connection means 30 between the main electronic card 17 and the chip card reader 9, thus allowing a perfect seal.

In another embodiment, the periphery of the slot 3 of the outer fairing 2 consists of a translucent material. Preferably, the periphery is provided with a backlight allowing a user to detect any device foreign to the terminal 1 capable of capturing information during its use. According to the embodiment chosen, the smart card reader 9 is oriented so that the introduction of the smart card in the slots 3, 8 is performed at an angle between 0 ° and 90 °, relative to the front face of the terminal or the ground, preferably between 20 ° and 60 °, more preferably between 30 ° and 45 °. Thus, the smart card is introduced in a substantially bottom-up direction. This configuration makes it possible to limit the introduction of water, in particular rainwater or runoff water into the chip card reader 9. In addition, with such a configuration, the electronic connection means 30 between the main electronic card 17 and the chip card reader 9 preferably passes through the sealing means 31 which is in the upper part of the first compartment 7 further limiting the risk of water seeping in. in the third compartment 15.

In one embodiment, the slot 8 of the first compartment 7 is provided on its periphery with a sealing means 34, so that when the device is assembled, the sealing means 34 is in contact with the around the slot 3 of the outer fairing 2 to achieve a sealed connection. Such means 34 may be a seal or any other element known to those skilled in the art to prevent water from passing.

According to one embodiment, the screen 11 is in the second compartments 10 and visible through the first opening 4 of the outer fairing 2. Preferably, the screen 11 is a touch screen.

The use of a touch screen allows the device to have an outer surface of the screen promoting sealing and a virtual keyboard function 40, thus eliminating mechanical buttons that can facilitate entry water in the terminal.

According to another embodiment illustrated in Figure 5, the touch screen 11 is provided on its periphery with a sealing means 35, so that when the terminal is assembled, the sealing means 35 is in contact on the one hand with the perimeter of the first opening 4 of the outer fairing 2 and on the other hand with the periphery of the screen 11 making it possible to form a tight connection with the inner face of the fairing 2.

According to another embodiment, the device comprises a reader 27 of cards magnetic tape (s) composed of a read head 36. The read head 36 is disposed on one side of the terminal to the terminal. exception of the rear face, preferably a lateral face of the terminal, biased elastically outwardly of the fairing 2 and whose size is adapted to the second opening 5 formed on the outer fairing 2.

According to an embodiment illustrated in FIG. 6, when the terminal 1 is provided with a magnetic read head 36, the read head 36 is provided on its periphery with a sealing means 37 so that the sealing means 37 cooperates with the inner surface of the outer fairing 2 to make the connection between the reading head 37 and the outer fairing sealed 2. Such means 37 may be a seal or any other element known to man the craft to prevent water from passing.

In this particular embodiment, a connection means 30 between the read head 36 and the magnetic tape reading means 27 which can be integrated with a preferably main electronic card, can pass through said sealing means. 37 to ensure complete sealing of the read head and its communication with the processor 38.

According to another embodiment, the outer fairing 2 may be provided with a guide adapted to guide the movement of the magnetic card along the read head 36 of the magnetic tape drive. Such a guide may be in the form of a gutter in which the card is slid all the way to remain in contact with the magnetic read head and read the information of the magnetic track (s) . In the absence of a card in the terminal the head protrudes into the groove and leaves between the guide and the head a space less than the thickness of the magnetic card. It will be readily understood from reading the present application that the features of the present invention, as generally described and illustrated in the figures, can be arranged and designed in a wide variety of different configurations. Thus, the description of the present invention and the accompanying figures are not intended to limit the scope of the invention but merely represent selected embodiments.

Those skilled in the art will understand that the technical features of a given embodiment may in fact be combined with features of another embodiment unless the reverse is explicitly mentioned or not it is obvious that these features are incompatible. In addition, the technical features described in a given embodiment can be isolated from the other features of this mode unless the opposite is explicitly mentioned.

It should be obvious to those skilled in the art that the present invention allows embodiments in many other specific forms without departing from the scope defined by the scope of the appended claims, these embodiments must be considered by way of illustration and the invention should not be limited to the details given above. REFERENCES: 1. Device of the invention, terminal, payment terminal 2. External fairing 3. Slot adapted to the passage of a smart card 4. First opening of the outer fairing 5. Second opening of the outer fairing 6. Chassis 7. First compartment of the chassis 8. Slot of the first compartment adapted to the passage of a smart card 9. Means of reading a smart card 10. Second compartment of the chassis 11. Screen

12. NFC antenna 13. Electronic security front-end 14. Security layer 15. Third chassis compartment 16. Electronic connection card 17. Main electronic card 18. Flexible safety diaphragm 19. Safety cage 20. Removal sensor 21. Ethernet Connector 22. Serial Connector

23. USB type connector 24. Memory card 25. Wireless type connector (Wi-Fi, GPRS, 3G, 4G, Bluetooth, LiFi, infrared, radio frequency) 26. Additional electronic card 27. Magnetic stripe card reader

28. NFC sensor 29. Video sensor, camera 30. Connecting means, printed circuit 31. Sealing means 32. Slot slot Sealing medium 33. Slit lips 32 34. Sealing means of the slot 8 35. Sealing means of the screen 11 36. Read head of the magnetic stripe card reader 37. Sealing medium of the reading head 36 38. Processor, microcontroller 39. Proximity sensor 40. Virtual keyboard, overlay of the touch screen

Claims (14)

Terminal (1) having a screen (11) performing a display and keyboard function (40) and characterized in that it comprises at least: - a contact chip card reader (9), - a magnetic stripe card reader (27), comprising a read head (36), - an NFC sensor (28) comprising an NFC antenna (12) arranged around the screen (11), - at least one proximity sensor (39), activating certain functionalities of the terminal when detecting a user in the vicinity, - a main electronic card (17) provided with at least one processor (38) and connected to the readers (9, 27), sensors ( 20, 28, 29, 39) and on the screen (11), the main electronic card (17) being configured to drive said readers, sensor and screen, by performing functions of detection, of protection of confidentiality of the data with the Screen display and control of the virtual keyboard on the screen, security and authentication of secure payment transactions and communication operations with the external environment, - an electronic connection card (16) comprising at least one security layer (14), the electronic connection card (16) being connected to the main electronic card (17) and adapted to allow the terminal to communicate with the external environment and to receive the power supply, - a front electronic security card (13) comprising at least one security layer (14), the front electronic card safety device (13) being able to be arranged behind the screen (11) and the NFC antenna (12), - a flexible security membrane (18) comprising at least one security layer (14), and being adapted to cover the sides of the device (1) with the exception of the front face and the rear face of the terminal, the front electronic safety board (13), the electronic connection board (16) and the flex membrane safety socket (18) together form a safety cage (19) connected to the main electronic card (17), in the security cage (19) the electronic components of the cards and the inter-card connection means are arranged, the density conductors in each element of the security cage (19) being adapted to allow detection by the main electronic card (17), any intrusion into the volume formed by the security cage and the immediate blocking by the card principal (17) of any payment transaction processing after the detection of an intrusion 2. Terminal according to claim 1, characterized in that the elements of claim 1 are arranged in an outer fairing (2) adapted to cover a frame (6) and comprising at least: - a slot (3) adapted to the passage of a smart card - a first opening (4) on the front of the terminal and giving access to the screen (11) necessary for the display function and virtual keyboard (40), - a second opening (5) on a lateral face of the terminal and giving access to at least one read head (36) of a magnetic stripe card reader (27), the frame (6) consisting of at least three compartments: - a first compartment (7) provided with a slot (8) which coincides with the slot (3) of the outer fairing and adapted to receive the contact chip card reader (9), - a second compartment (10), one of which sides, corresponding to the front face of the terminal, is obstructed by the screen (11) necessary for the functi display and virtual keyboard (40) and by the NFC antenna (12) surrounding the screen (11), - a third compartment (15) adapted to receive the main electronic card (17), and whose one of the sides of the compartment corresponding to the rear face of the terminal, is obstructed by the electronic connection board (16), and in that said flexible safety membrane (18) is arranged between the outer fairing (2) and the frame ( 6). 3. Terminal according to claim 2, characterized in that the electronic connection board (16) is provided with at least one removal sensor (20) of the outer fairing (2). 4. Terminal according to one of claims 1 to 3, characterized in that the terminal comprises a video sensor (29, 39) connected and controlled by the main electronic card (17). 5. Terminal according to one of claims 1 to 4, characterized in that the NFC antenna (12) is connected to the NFC sensor (28) on the front electronic security board (13), by a flexible printed circuit (30). (28)), the screen (11) is connected to the main electronic board (17) by a flexible printed circuit (30 (11)) passing through the security cage (19), the printed circuits (30) being able to comprise at least one security layer (14). Terminal according to one of Claims 1 to 5, characterized in that the electronic connection card (16) comprises at least one security layer (14) and is connected to the main electronic card (17) by means of a connector of the wrong / female torque type. 7. Terminal according to one of claims 1 to 6, characterized in that the security layers (14) consist of a safety wiring forming a pattern covering the entire surface of the security layer (14), the pattern having a endless preventing any changes or alteration of the security layer without being detected by the main electronic card (17). 8. Terminal according to one of claims 1 to 7, characterized in that the periphery of the slot (3) of the outer fairing (2) consists of a translucent material and provided with a backlight allowing a user to detect any device foreign to the terminal capable of capturing information during its use. Terminal according to one of Claims 1 to 8, characterized in that the chip card reader (9) is oriented in such a way that the introduction of a smart card into the slots (3, 8) is performed at an angle between 0 ° and 90 °, relative to the front face of the terminal, preferably between 20 ° and 60 °, more preferably between 30 ° and 45 °. Terminal according to one of the preceding claims, characterized in that the proximity sensor (39), the readers (9, 27) and the video sensor (29) are connected to the main electronic board (17). 11. Terminal according to one of claims 1 to 10, characterized in that the electronic board connection comprises, on the outer surface of the safety cage (19), at least one port adapted to receive a connector type Ethernet ( 21), and / or a series (22), and / or USB (23), and / or a memory card (24), and / or an additional electronic card to provide additional functionality, in particular, communication without wire (25). 12. Terminal according to one of claims 1 to 11, characterized in that the outer fairing (2) and the elements of the terminal are arranged to form a fully sealed terminal. 13. Terminal according to one of claims 1 to 12, characterized in that the NFC antenna (12) is integrated in a seal (35) surrounding screen (11). 14. Use of a terminal according to one of claims 1 to 13, on a terminal of payment, withdrawal of money, or control of an automatic dispensing machine and sale of products.