There are provided systems and methods for a modular mobile point of sale device having separable units for configurable data processing. A modular device may include a main unit that includes data processing features to allow for a mobile point of sale, including a data entry unit for payment data, a communication component to secure communicate that data to a centralized transaction processor, and a processing unit to receive the data and instruct the centralized to process the data with an online service provider. The module device may also be physically and communicatively coupled to additional modules that may increase the on-device functionality of the main unit, include a module to allow user input and additional modules to accept other types of transaction input. On detection of a connected unit, the main unit may secure connect to and authenticate each attached module.

A device for transmitting/receiving a wireless radio signal. Such a device includes: a first interface for transmitting/receiving a radio signal according to a first transmission technology; a second interface for transmitting/receiving a radio signal according to a second transmission technology; and an adaptation stage (such as a chip), which extracts data from signals coming from the first interface and/or the second interface.

A bridge service is provided to support multi-user simulated contactless cards that in response to receiving a request to provision a secure element with payment card profile information of a user, provisions a token representing the payment card profile, converts the token representing the payment card profile into a format for the payment application; and provides the payment card profile to the payment application, the payment card profile comprising a single use key. The bridge service enables simulated contactless cards to store payment card information for a user on volatile memory instead of the persistent, secure element memory.

A contactless card reader comprises a contactless card reader front-end coupled to a processor. A communications module is coupled to the processor and a set of sensors is coupled to the processor. The set of sensors determines parameters related to the location, orientation and motion of the card reader. The processor receives the parameters from the set of sensors and utilizes the parameters and scenario configuration data to evaluate a rule. The result of the evaluation of the rule results in a limitation on the operation of the card reader. The communications module is configured to intermittently receive the scenario configuration data from external sources.

Various aspects of the disclosure generally relate to security for a credit card processing reader. Part of security for a reader is protecting sensitive components, for example components that access information from a credit card during a transaction. An alternative security configuration may include integrated circuits replacing portions of electrically active mesh. This may reduce the size and cost of a reader while maintaining its security with respect to published guidelines.

A card may store data on integrated circuits housed within the card. The card includes two short-range antennas and one long-range antenna that are configured to transmit the data. Antennas of the card may be configured to transmit the data in different directions as a result of a signal-blocking layer embedded within the card that isolates respective antennas from electromagnetic signals originating from a direction on the opposing side of the blocking layer. The long-range antenna may be configured to transmit identification data of the user, while the short-range antennas may be configured to transmit financial data related to the user. A system may be configured to instantiate events for the user of the card with the long-range antenna. Events that are instantiated by the long-range antenna may then be executed using the short-range antennas.

A method for contactless payment relay attack protection includes receiving an online authorization request including a cryptogram, a measured processing time, and a reference processing time from a terminal. The cryptogram is verified, and a determination is performed as to whether the measured processing time exceeds the reference processing time. An online authorization response authorizing or declining a monetary transaction is transmitted, based on the determination. An artificial intelligence transaction analysis can be performed based on past and current conditions (e.g., battery level, operating system, open applications) of a payment device such as a mobile phone, past and current conditions of a terminal, and/or a monetary amount. The online authorization response can be based on the artificial intelligence transaction analysis.

An electronic device according to various embodiments of the present invention may include an antenna module configured to sense an electromagnetic (EM) signal generated from an external electronic device, a communication module, a processor operatively connected to the antenna module and the communication module, and a memory storing instructions which, are configured to, when executed, cause the processor to identify the external electronic device based on at least part of the EM signal sensed from the external electronic device via the antenna module, identify whether the identified external electronic device is registered in a designated control application, and provide information related to the external electronic device based on whether the external electronic device is registered. In addition, other various embodiments of the present invention may be possible.

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.

Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.