WO2016033677A1 - Systems and methods for implementing a point-of-sale device using a smartphone or tablets without hardware add-ons - Google Patents
Systems and methods for implementing a point-of-sale device using a smartphone or tablets without hardware add-ons Download PDFInfo
- Publication number
- WO2016033677A1 WO2016033677A1 PCT/CA2014/050836 CA2014050836W WO2016033677A1 WO 2016033677 A1 WO2016033677 A1 WO 2016033677A1 CA 2014050836 W CA2014050836 W CA 2014050836W WO 2016033677 A1 WO2016033677 A1 WO 2016033677A1
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- WIPO (PCT)
- Prior art keywords
- payment
- card
- ons
- smartphone
- tablets
- Prior art date
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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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3267—In-app payments
-
- 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
Definitions
- Point of Sale (POS) device* ere broadly used in retail Industries to accept electronic payments.
- the majority of today'* POS devices are implemented using specialized hardware by payment processing companies such as Monerie, Global Payment and Square,
- the invention described below provides an innovative way of accepting payments without the need tor any specialized hardware or dongles, leveraging an everyday smartphone's near-field communications (NFC) sensor to accept electronic payment. Its software essentially turns a smart phone Into a mobile, lightweight POS-in-a-pocket that can be cheaply distributed to each front-line service staff.
- NFC near-field communications
- 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-locatton. coupon processing, interactions with social networks, gamification end others
- attributes e.g. lightweight, easy to use, wireless, secure and durable
- ⁇ payment tow is initiated by the merchant presenting a bill (paper or electronic) to tie 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 me system by tapping the card on the smartphone's NFC sensor (210] or putting the card under the smartphone's camera [220].
- the application [2001 woutt 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] to- 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,
- a summary record of the transaction would be sent to the server component of the tppllcaBon [400] to complete the transaction flow.
- 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.
- This mobile POS- ⁇ n-a-poc*et invention can be used by restaurants, taxi drivers, delivery staff, flight attendants 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.
- restaurant owners can provide smartphones equipped with this software system to every front-line staff.
- 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 trade event, markets or community events to accept credit card payments for good* or donations.
Abstract
This invention enables merchants to accept debit & credit card payments using their smartphones without any hardware add-ons (e.g. dongles). The smartphone-based 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 or a keyboard to manually input a card's information. This invention is unique as it does not require any hardware add-on (unlike existing dongle-based solution used by vendors such as Square and Intuit GoPayment). No changes are required on the consumers' side. They continue to use their payment cards as usual.
Description
SYSTEMS AND METHODS FOR IMPLEMENTING A POINT-OF-SALE DEVICE USING A SMARTPHO E OR TABLETS WITHOUT HARDWARE ADD-ONS
Background
Point of Sale (POS) device* ere broadly used in retail Industries to accept electronic payments. The majority of today'* POS devices are implemented using specialized hardware by payment processing companies such as Monerie, Global Payment and Square,
These speciaKzed POS devices are relatively targe 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 oompetibve business environment. It's not sufficient.
The invention described below provides an innovative way of accepting payments without the need tor any specialized hardware or dongles, leveraging an everyday smartphone's near-field communications (NFC) sensor to accept electronic payment. Its software essentially turns a smart phone 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 centactlets payment technologies such as MasterCard's PayPass, Visa's peyWave , 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-locatton. coupon processing, interactions with social networks, gamification end 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-on* 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 fMTwt hon Into a low-cost POS system without any hardware add-^ns such as dengtet or eases.
• It supports multiple ways of accepting payment card information using sensors on the smartpnone. For example, it combines the use of NFC sensors to capture card information based m EMV standard ISO/IEC 7S18-3) and cameras win image recognition technology to support non-EMV capable cards.
• « surpasses the capabilities of today's single-purpose POS device as it can integrate
SUBSTITUTE SHEET {RULE 26)
other value-added f rteUore such as coupon processing, feedback gathering end
• 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.
WVtwIMM Ιτ**·ΟΠ -Κ>Π
As in Figure 1 ,■ payment tow is initiated by the merchant presenting a bill (paper or electronic) to tie 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 me system by tapping the card on the smartphone's NFC sensor (210] or putting the card under the smartphone's camera [220].
The application [2001 woutt 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] to- 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 tppllcaBon [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.
Examples of Intended UM
This mobile POS-<n-a-poc*et invention can be used by restaurants, taxi drivers, delivery staff, flight attendants 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 ease would be tor≠nm 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 good* or donations.
Prior Art
CA 2727354 - SYSTEMS AND METHODS FACILITATING MOBILE RETAIL
ENVIRONMENTS
CA 2686259 - ELECTRONIC PAYMENT SYSTEM USING MOBILE WIRELESS
COMMUNICATIONS DEVICE AND ASSOCIATED METHODS
CA 2790983 - PAYMENT PROCESSING SYSTEM INCLUDING POINT-OF-SALE DEVICE WITH A UNIQUE IDENTIFIER AND ASSOCIATED METHODS
CA 2552264 - DIGITAL MOBILE TELEPHONE TRANSACTION AND PAYMENT SYSTEM
US 20140048786 A 1 - Mobile Merchant POS Processing System, Point-of-Sale App, Analytical Method*, end Systems and Methods for Implementing the Same
US 20080 1 699 A1 · System, hardware and method for mobile prepayment
US 20110231272 A1 - Retail mobile point-of-sale (POS) software application and retail middleware software application
US 20120226565 A1 - Method and apparatus for payment with mobile device at point of sale terminal
US 20140019274 A1 - Mobile point-of-sale (pos) techniques
US 20120290421 A1 - Enabling a Merchant's Storefront POS (Point of Sale) System to Accept a Payment Transaction Verifted by SMS Messaging with Buyer's Mobile Phone
Claims
Claim*
The Embodiments Of The Invention In Which An Exclusive Property Or Privilege Is Claimed Are Defined As Follow*:
1 hi a device that Is capable of accepting payment!, 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 bluatooth to process electronic payment transactions
2. The combination defined In claim 1 , wherein the software communicates with paymertt cards or devices, that are equipped with contactfess payment technologies such as E V standard ISOrtEC 7818-3 to send transaction* to payment processors.
3. The combination defined in claim 2, wherein a solution that do not rely the use of add-ons to tht 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. T ese value-added functions include bit 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 |
|---|---|---|---|
| PCT/CA2014/050836 WO2016033677A1 (en) | 2014-09-02 | 2014-09-02 | Systems and methods for implementing a point-of-sale device using a smartphone or tablets without hardware add-ons |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CA2014/050836 WO2016033677A1 (en) | 2014-09-02 | 2014-09-02 | Systems and methods for implementing a point-of-sale device using a smartphone or tablets without hardware add-ons |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2016033677A1 true WO2016033677A1 (en) | 2016-03-10 |
Family
ID=55438942
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/CA2014/050836 WO2016033677A1 (en) | 2014-09-02 | 2014-09-02 | Systems and methods for implementing a point-of-sale device using a smartphone or tablets without hardware add-ons |
Country Status (1)
| Country | Link |
|---|---|
| WO (1) | WO2016033677A1 (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106131771A (en) * | 2016-07-01 | 2016-11-16 | 福建联迪商用设备有限公司 | A kind of mobile phone and payment terminal Bluetooth pairing methods and device |
| EP3379480A1 (en) * | 2017-03-23 | 2018-09-26 | Rubean AG | Method and assembly for the transmission of transaction data using a public data network |
| EP3761247A1 (en) | 2019-07-03 | 2021-01-06 | Phos Services Ltd | Secure payment transactions |
| US11397940B2 (en) | 2017-03-15 | 2022-07-26 | Phos Services Ltd | Secure payment transactions |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CA2881429A1 (en) * | 2012-02-29 | 2013-09-06 | Mobeewave, Inc. | Method, device and secure element for conducting a secured financial transaction on a device |
-
2014
- 2014-09-02 WO PCT/CA2014/050836 patent/WO2016033677A1/en active Application Filing
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CA2881429A1 (en) * | 2012-02-29 | 2013-09-06 | Mobeewave, Inc. | Method, device and secure element for conducting a secured financial transaction on a device |
Non-Patent Citations (1)
| Title |
|---|
| CHRISTINA DESMARAIS: "Flint Mobile swaps card reader for camera", 10 October 2013 (2013-10-10), Retrieved from the Internet <URL:http://www.pcworld.com/article/2053352/flint-mobile-swaps-card-reader-for-camera.html> * |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106131771A (en) * | 2016-07-01 | 2016-11-16 | 福建联迪商用设备有限公司 | A kind of mobile phone and payment terminal Bluetooth pairing methods and device |
| CN106131771B (en) * | 2016-07-01 | 2020-06-19 | 福建联迪商用设备有限公司 | Bluetooth pairing method and device for mobile phone and payment terminal |
| US11397940B2 (en) | 2017-03-15 | 2022-07-26 | Phos Services Ltd | Secure payment transactions |
| EP3379480A1 (en) * | 2017-03-23 | 2018-09-26 | Rubean AG | Method and assembly for the transmission of transaction data using a public data network |
| EP3761247A1 (en) | 2019-07-03 | 2021-01-06 | Phos Services Ltd | Secure payment transactions |
| WO2021001415A1 (en) | 2019-07-03 | 2021-01-07 | Phos Services Ltd | Secure payment transactions |
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