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Tamper-proofing and identity validation in a secure electronic transaction processing system

  • US 10,692,090 B2
  • Filed: 01/26/2017
  • Issued: 06/23/2020
  • Est. Priority Date: 01/26/2016
  • Status: Active Grant
First Claim
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1. An electronic payment system, comprising:

  • a payment instrument that is configured to approve only negative value payment requests and/or zero value payment requests;

    a data processing device that is communicatively coupleable via a first communication link to the payment instrument that is configured to approve only negative value payment requests and/or zero value payment requests, the data processing device communicatively coupleable to a server via a second communication link; and

    a service dispensing device that is communicatively coupleable to the server via a third communication link;

    wherein the data processing device is configured to;

    receive a first input including at least a payment amount;

    transmit a payment request to the payment instrument, the payment request including at least the payment amount;

    receive a first data package generated by the payment instrument, the first data package based on the payment request;

    generate a transaction request data package based on the first data package; and

    transmit the transaction request data package to the server;

    wherein the data processing device and/or the server is configured to determine whether to approve or decline a transaction, and in the event the transaction is approved, the server is configured to generate a trusted data package based on the transaction request data package and transmit the trusted data package to the service dispensing device; and

    wherein the service dispensing device is configured to;

    receive the trusted data package from the server;

    determine the authenticity of the trusted data package; and

    in the event the trusted data package is determined to be authentic, provide one or more services.

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