CA2853146A1 - Systems and methods for implementing a point-of-sale device using a wireless device such as cellphone or tablets without hardware add-ons - Google Patents
Systems and methods for implementing a point-of-sale device using a wireless device such as cellphone or tablets without hardware add-ons Download PDFInfo
- Publication number
- CA2853146A1 CA2853146A1 CA2853146A CA2853146A CA2853146A1 CA 2853146 A1 CA2853146 A1 CA 2853146A1 CA 2853146 A CA2853146 A CA 2853146A CA 2853146 A CA2853146 A CA 2853146A CA 2853146 A1 CA2853146 A1 CA 2853146A1
- Authority
- CA
- Canada
- Prior art keywords
- payment
- card
- ons
- payments
- tablets
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/353—Payments by cards read by M-devices
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/93—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP using near field or similar technologies
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/02—Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
Abstract
This invention enables merchants to accept debit & credit card payments using their smartphones or similar mobile devices. This system accepts card payments through the mobile device by either tapping a Near Field Communication (NFC) enabled payment card (e.g.
MasterCard's payPass, Visa's payWave or Interac Flash) to the device or by using the device's other features such as its camera to read a card's number, a keyboard to manually input a card's information or bluetooth communications.
This invention is unique as it enables a large amount of merchants to accept payments easily, and with very low overhead cost. An NFC capable smartphone, equipped with this software system and a basic data connection is all a merchant would need.
No changes are required on the consumers' side. They continue to use their payment cards as usual.
MasterCard's payPass, Visa's payWave or Interac Flash) to the device or by using the device's other features such as its camera to read a card's number, a keyboard to manually input a card's information or bluetooth communications.
This invention is unique as it enables a large amount of merchants to accept payments easily, and with very low overhead cost. An NFC capable smartphone, equipped with this software system and a basic data connection is all a merchant would need.
No changes are required on the consumers' side. They continue to use their payment cards as usual.
Description
Background Point of Sale (POS) devices are broadly used in retail industries to accept electronic payments.
The majority of today's POS devices are implemented using specialized hardware by payment processing companies such as Moneris, Global Payment and Square.
These specialized POS devices are relatively large in size and heavy. Some of them require wired connections to banks and most cannot perform any other functions except processing payments. In today's competitive business environment, it's not sufficient.
The invention described below provides an innovative way of accepting payments without the need for any specialized hardware or dongles, leveraging an everyday smartphone's near-field communications (NFC) sensor to accept electronic payment. Its software essentially turns a smartphone into a mobile, lightweight POS-in-a-pocket that can be cheaply distributed to each front-line service staff.
Major banks today in Canada, US, Europe and Asia issues payment cards that are equipped with NFC-based contactless payment technologies such as MasterCard's PayPass, Visa's payWave , American Express' ExpressPay and Interac's Interac Flash.
This invention shortens payment cycle, enables retail staff to accept payment on the spot, leverages the smartphone's versatility to provide convenience functions such as bill splitting, record keeping with geo-location, coupon processing, interactions with social networks, gamification and others.
Typical mobile POS systems currently in use today are described in these Canadian and American patents below. This application is unique because the idea of using smartphone's built-in sensors to detect card information (such as NFC and camera) is new.
This idea eliminates the need for any hardware add-ons or transaction ID matching systems.
Summary of Invention This SmartPhone-based mobile POS-in-a-pocket solution is unique and inventive because:
= It turns an everyday smartphone into a low-cost POS system without any hardware add-ons such as dongles or cases.
= It supports multiple ways of accepting payment card information using sensors on the smartphone. For example, it combines the use of NEC sensors to capture card information based on EMV standard ISO/IEC 7816-3) and cameras with image recognition technology to support non-EMV capable cards.
= It surpasses the capabilities of today's single-purpose POS device as it can integrate other value-added functions such as coupon processing, feedback gathering and electronic receipts.
= It delivers the POS functionality in a solution that possesses all of the desired attributes (e.g. lightweight, easy to use, wireless, secure and durable) of a leading edge POS
device at very low cost.
Detailed Description As in Figure 1, a payment flow is initiated by the merchant presenting a bill (paper or electronic) to the consumer. The merchant's representative would enter the amount into the system, either electronically or manually by keying in the amount.
The consumer would then present his payment card to the system by tapping the card on the smartphone's NFC sensor [210] or putting the card under the smartphone's camera [220].
The application [200] would collect the card details, combine it with the transaction amount provided by the merchant to create a payment instruction. This instruction would then be transmitted to an existing payment gateway [300] for downstream processing using the smartphone's network connection [230]. Different types of payment instructions such as purchase, refund, authorization can be sent using the same approach.
Once this is completed, a summary record of the transaction would be sent to the server component of the application [400] to complete the transaction flow.
Optionally, value-added functionality such as couponing, e-receipt, feedback gathering would be added at the end.
The server component of the application [400] also provides analytical and transaction reports for merchants.
BRIEF DESCRIPTION OF THE DRAWINGS
FIG. 1 is an illustration of an exemplary system implementation according to the present application;
Images Figure 1 Credit Card, Debit Card or Loplly Card r NFC
*.% r Cameral Sensor 1/4, 1210) Smart phone with this invention's app component [2OO]
^"t Internet connection [Mal Onol'oe darta o WA) ;
summary pa,,,rment info tructions - -This invention's Server ...µ/
Component I400]Payment Gakeway ____________________ ), Internet such as Stripe corn or Record Keeping and MasterCard Simplify Analytics Database 1300) 1 Examples of Intended Use:
This mobile POS-in-a-pocket invention can be used by restaurants, taxi drivers, delivery staff, flight attendents or any other businesses who need POS devices that are lightweight, easy to use, quick and cheap, relative to typical POS terminals available on the market.
For example, restaurant owners can provide smartphones equipped with this software system to every front-line staff. With this invention, after the server has presented the bill to the customer, they can immediately accept credit card payments at the table, without running back to the cashier to pick up a shared POS terminal. This saves precious table time for restaurant owners and with other value-added features such as automatic bill splitting, this would leave a pleasant final impression of their dining experience.
Another intended use case would be for pizza delivery staff who needs to accept credit card payment on delivery. A mobile phone based POS solution that does not require any dongles or hardware add-ons would be much easier to use and handle.
Another intended use case would be for trade event, markets or community events to accept credit card payments for goods or donations.
Prior Art:
COMMUNICATIONS DEVICE AND ASSOCIATED METHODS
A UNIQUE IDENTIFIER AND ASSOCIATED METHODS
US 20140046786 Al - Mobile Merchant POS Processing System, Point-of-Sale App, Analytical Methods, and Systems and Methods for Implementing the Same US 20080114699 Al - System, hardware and method for mobile pospayment US 20110231272 Al - Retail mobile point-of-sale (POS) software application and retail middleware software application US 20120226565 Al - Method and apparatus for payment with mobile device at point of sale terminal US 20140019274 Al - Mobile point-of-sale (pos) techniques US 20120290421 Al - Enabling a Merchant's Storefront POS (Point of Sale) System to Accept a Payment Transaction Verified by SMS Messaging with Buyer's Mobile Phone
The majority of today's POS devices are implemented using specialized hardware by payment processing companies such as Moneris, Global Payment and Square.
These specialized POS devices are relatively large in size and heavy. Some of them require wired connections to banks and most cannot perform any other functions except processing payments. In today's competitive business environment, it's not sufficient.
The invention described below provides an innovative way of accepting payments without the need for any specialized hardware or dongles, leveraging an everyday smartphone's near-field communications (NFC) sensor to accept electronic payment. Its software essentially turns a smartphone into a mobile, lightweight POS-in-a-pocket that can be cheaply distributed to each front-line service staff.
Major banks today in Canada, US, Europe and Asia issues payment cards that are equipped with NFC-based contactless payment technologies such as MasterCard's PayPass, Visa's payWave , American Express' ExpressPay and Interac's Interac Flash.
This invention shortens payment cycle, enables retail staff to accept payment on the spot, leverages the smartphone's versatility to provide convenience functions such as bill splitting, record keeping with geo-location, coupon processing, interactions with social networks, gamification and others.
Typical mobile POS systems currently in use today are described in these Canadian and American patents below. This application is unique because the idea of using smartphone's built-in sensors to detect card information (such as NFC and camera) is new.
This idea eliminates the need for any hardware add-ons or transaction ID matching systems.
Summary of Invention This SmartPhone-based mobile POS-in-a-pocket solution is unique and inventive because:
= It turns an everyday smartphone into a low-cost POS system without any hardware add-ons such as dongles or cases.
= It supports multiple ways of accepting payment card information using sensors on the smartphone. For example, it combines the use of NEC sensors to capture card information based on EMV standard ISO/IEC 7816-3) and cameras with image recognition technology to support non-EMV capable cards.
= It surpasses the capabilities of today's single-purpose POS device as it can integrate other value-added functions such as coupon processing, feedback gathering and electronic receipts.
= It delivers the POS functionality in a solution that possesses all of the desired attributes (e.g. lightweight, easy to use, wireless, secure and durable) of a leading edge POS
device at very low cost.
Detailed Description As in Figure 1, a payment flow is initiated by the merchant presenting a bill (paper or electronic) to the consumer. The merchant's representative would enter the amount into the system, either electronically or manually by keying in the amount.
The consumer would then present his payment card to the system by tapping the card on the smartphone's NFC sensor [210] or putting the card under the smartphone's camera [220].
The application [200] would collect the card details, combine it with the transaction amount provided by the merchant to create a payment instruction. This instruction would then be transmitted to an existing payment gateway [300] for downstream processing using the smartphone's network connection [230]. Different types of payment instructions such as purchase, refund, authorization can be sent using the same approach.
Once this is completed, a summary record of the transaction would be sent to the server component of the application [400] to complete the transaction flow.
Optionally, value-added functionality such as couponing, e-receipt, feedback gathering would be added at the end.
The server component of the application [400] also provides analytical and transaction reports for merchants.
BRIEF DESCRIPTION OF THE DRAWINGS
FIG. 1 is an illustration of an exemplary system implementation according to the present application;
Images Figure 1 Credit Card, Debit Card or Loplly Card r NFC
*.% r Cameral Sensor 1/4, 1210) Smart phone with this invention's app component [2OO]
^"t Internet connection [Mal Onol'oe darta o WA) ;
summary pa,,,rment info tructions - -This invention's Server ...µ/
Component I400]Payment Gakeway ____________________ ), Internet such as Stripe corn or Record Keeping and MasterCard Simplify Analytics Database 1300) 1 Examples of Intended Use:
This mobile POS-in-a-pocket invention can be used by restaurants, taxi drivers, delivery staff, flight attendents or any other businesses who need POS devices that are lightweight, easy to use, quick and cheap, relative to typical POS terminals available on the market.
For example, restaurant owners can provide smartphones equipped with this software system to every front-line staff. With this invention, after the server has presented the bill to the customer, they can immediately accept credit card payments at the table, without running back to the cashier to pick up a shared POS terminal. This saves precious table time for restaurant owners and with other value-added features such as automatic bill splitting, this would leave a pleasant final impression of their dining experience.
Another intended use case would be for pizza delivery staff who needs to accept credit card payment on delivery. A mobile phone based POS solution that does not require any dongles or hardware add-ons would be much easier to use and handle.
Another intended use case would be for trade event, markets or community events to accept credit card payments for goods or donations.
Prior Art:
COMMUNICATIONS DEVICE AND ASSOCIATED METHODS
A UNIQUE IDENTIFIER AND ASSOCIATED METHODS
US 20140046786 Al - Mobile Merchant POS Processing System, Point-of-Sale App, Analytical Methods, and Systems and Methods for Implementing the Same US 20080114699 Al - System, hardware and method for mobile pospayment US 20110231272 Al - Retail mobile point-of-sale (POS) software application and retail middleware software application US 20120226565 Al - Method and apparatus for payment with mobile device at point of sale terminal US 20140019274 Al - Mobile point-of-sale (pos) techniques US 20120290421 Al - Enabling a Merchant's Storefront POS (Point of Sale) System to Accept a Payment Transaction Verified by SMS Messaging with Buyer's Mobile Phone
Claims (4)
The Embodiments Of The Invention In Which An Exclusive Property Or Privilege Is Claimed Are Defined As Follows:
1. In a device that is capable of accepting payments, a solution comprising of:
a. a mobile telecommunication device, including mobile phones, tablets, smart watches and other networked devices b. software that make use of the device's built-in sensors such as NFC sensors and/or cameras and/or bluetooth to process electronic payment transactions
a. a mobile telecommunication device, including mobile phones, tablets, smart watches and other networked devices b. software that make use of the device's built-in sensors such as NFC sensors and/or cameras and/or bluetooth to process electronic payment transactions
2. The combination defined in claim 1, wherein the software communicates with payment cards or devices, that are equipped with contactless payment technologies such as EMV
standard ISO/IEC 7816-3 to send transactions to payment processors.
standard ISO/IEC 7816-3 to send transactions to payment processors.
3. The combination defined in claim 2, wherein a solution that do not rely the use of add-ons to the mobile device such as dongles or cases for payment processing.
4. The combination defined in claim 2, wherein additional value-added functions are performed in conjunction with the payment transaction. These value-added functions include bill splitting, coupon processing, tip addition, interactions with social networks, customer management, record keeping, gamification and notification, etc.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA2853146A CA2853146A1 (en) | 2014-07-08 | 2014-07-08 | Systems and methods for implementing a point-of-sale device using a wireless device such as cellphone or tablets without hardware add-ons |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA2853146A CA2853146A1 (en) | 2014-07-08 | 2014-07-08 | Systems and methods for implementing a point-of-sale device using a wireless device such as cellphone or tablets without hardware add-ons |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA2853146A1 true CA2853146A1 (en) | 2016-01-08 |
Family
ID=55027842
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2853146A Abandoned CA2853146A1 (en) | 2014-07-08 | 2014-07-08 | Systems and methods for implementing a point-of-sale device using a wireless device such as cellphone or tablets without hardware add-ons |
Country Status (1)
| Country | Link |
|---|---|
| CA (1) | CA2853146A1 (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10853798B1 (en) | 2016-11-28 | 2020-12-01 | Wells Fargo Bank, N.A. | Secure wallet-to-wallet transactions |
| US11240217B1 (en) | 2016-12-29 | 2022-02-01 | Wells Fargo Bank, N.A. | Wireless peer to peer mobile wallet connections |
| US11516019B1 (en) | 2016-09-13 | 2022-11-29 | Wells Fargo Bank, N.A. | Secure digital communications |
| US20230017151A1 (en) * | 2021-07-19 | 2023-01-19 | Apple Inc. | User input during an electronic data transfer |
| EP4152234A1 (en) * | 2021-07-19 | 2023-03-22 | Apple Inc. | User input during an electronic data transfer |
-
2014
- 2014-07-08 CA CA2853146A patent/CA2853146A1/en not_active Abandoned
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11949796B1 (en) | 2016-09-13 | 2024-04-02 | Wells Fargo Bank, N.A. | Secure digital communications |
| US11516019B1 (en) | 2016-09-13 | 2022-11-29 | Wells Fargo Bank, N.A. | Secure digital communications |
| US11516018B1 (en) | 2016-09-13 | 2022-11-29 | Wells Fargo Bank, N.A. | Secure digital communications |
| US11856108B1 (en) | 2016-09-13 | 2023-12-26 | Wells Fargo Bank, N.A. | Secure digital communications |
| US10853798B1 (en) | 2016-11-28 | 2020-12-01 | Wells Fargo Bank, N.A. | Secure wallet-to-wallet transactions |
| US11611543B1 (en) | 2016-12-29 | 2023-03-21 | Wells Fargo Bank, N.A. | Wireless peer to peer mobile wallet connections |
| US11924186B2 (en) | 2016-12-29 | 2024-03-05 | Wells Fargo Bank, N.A. | Wireless peer to peer mobile wallet connections |
| US11240217B1 (en) | 2016-12-29 | 2022-02-01 | Wells Fargo Bank, N.A. | Wireless peer to peer mobile wallet connections |
| WO2023003824A3 (en) * | 2021-07-19 | 2023-03-09 | Apple Inc. | User input during an electronic data transfer |
| EP4152234A1 (en) * | 2021-07-19 | 2023-03-22 | Apple Inc. | User input during an electronic data transfer |
| EP4156061A1 (en) * | 2021-07-19 | 2023-03-29 | Apple Inc. | User input during an electronic data transfer |
| EP4160503A1 (en) * | 2021-07-19 | 2023-04-05 | Apple Inc. | User input during an electronic data transfer |
| US20230017151A1 (en) * | 2021-07-19 | 2023-01-19 | Apple Inc. | User input during an electronic data transfer |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| FZDE | Discontinued |
Effective date: 20170710 |