Systems, Methods And Computer Program Products For Contactless Payment Card Security At Unattended Type Terminals

Abstract: The invention secures contactless payment cards against misuse at ‘unattended type’ 5 terminal devices having near field communication capabilities. The invention involves receiving from a communication device a first unique identifier associated with a contactless payment card, and a second unique identifier associated with the communication device. Transmission of the first unique identifier and the second unique identifier from the communication device is implemented in response to the communication device detecting a 10 contactless card tap event, and the communication device retrieving the first unique identifier from the contactless payment card. The invention involves selectively implementing one of a first payment authorization communication flow and a second payment authorization communication flow. The selective implementation is based on whether the first and second unique identifiers have been recorded within a database that 15 stores combinations of payment card identifiers and communication device identifiers for payment transactions that have been previously successfully authorized.

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