CPC G06Q 20/341 (2013.01) [G06Q 20/18 (2013.01); G06Q 20/352 (2013.01); G06Q 20/3829 (2013.01)] | 21 Claims |
1. A system for improving transaction security of a self-service kiosk, the system comprising a smart card having a thickness not greater than 0.8 millimeters (“mm”) and a surface area not greater than 86 mm×54 mm and comprising:
a wireless communication interface comprising a network interface card (NIC) and a near-field communication (NFC) chip;
a microprocessor;
a battery powering the wireless communication interface and the microprocessor; and
executable instructions stored in a non-transitory memory, that when run by the microprocessor:
using the NIC, initiate a secure connection with a financial institution and receive an encrypted dataset, the dataset dynamically clustered into a random number of clusters prior to encryption, each cluster associated with a separate encryption key;
using the NFC chip, initiate a secure communication channel with the self-service kiosk and self-authenticate the smart card to the self-service kiosk using the encrypted dataset clusters; and
purge the encrypted dataset clusters from temporary storage on the smart card;
the self-service kiosk comprising:
a front controller that receives the encrypted dataset clusters from the wireless interface via NFC;
a decryption controller that decrypts the encrypted dataset clusters using a set of encryption keys obtained from a remote computer server associated with the financial institution; and
an input validation controller that validates the encrypted dataset clusters before executing a transaction.
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