Method for processing transactional data, terminal, server and corresponding computer programs

Patent metadata

Field	Value
Publication number	US-10504078-B2
Application number	US-201415024271-A
Country	US
Kind code	B2
Filing date	Sep 26, 2014
Priority date	Sep 27, 2013
Publication date	Dec 10, 2019
Grant date	Dec 10, 2019

Abstract

A method for processing transactional data, via a payment terminal. The method includes capturing at least one datum representing a bill to be paid, called a consolidated datum, from a pre-existing support; formatting the consolidated datum by a collection application of the payment terminal, delivering a digital invoice; displaying the digital invoice by the collection application; transmitting to a payment application of the payment terminal at least one datum, called a transactional datum, representing an amount to be paid according to at least one element of the digital bill.

First claim

The invention claimed is:

1. A method for processing transactional data by a payment terminal of a merchant, said method for processing being executed by a cashing application embedded in said payment terminal and comprising:
capturing by a sensor of the payment terminal of the merchant, at least one piece of data representing an invoice to be settled, called a piece of consolidated data, from the invoice, which is:
printed on a pre-existing carrier by a cashing system, or
rendered on a display by the cashing system;

delivering a digital invoice by formatting the piece of consolidated data, captured from the invoice printed or rendered by the cashing system;
displaying said digital invoice;
performing a cashing operation, comprising:
transmitting to a payment application embedded in said payment terminal, at least one piece of data representing a sum to be paid as a function of at least one element of said digital invoice, called a piece of transactional data; and
performing a payment transaction by the payment application based on the at least one piece of data representing the sum to be paid.

2. The method for processing according to claim 1 , wherein capturing said piece of consolidated data comprises:
obtaining a two-dimensional code preliminarily printed or rendered by the cashing system; and
decoding said two-dimensional code delivering said piece of consolidated data.

3. The method for processing according to claim 2 , wherein capturing said piece of consolidated data furthermore comprises, subsequently to said decoding said two-dimensional code, decompressing the data of said two-dimensional code.

4. The method for processing according to claim 2 , wherein capturing said piece of consolidated data furthermore comprises, subsequently to said decoding said two-dimensional code, decrypting the data of said two-dimensional code.

5. The method for processing according to claim 1 , wherein the method further comprises, subsequently to the transmission of said at least one piece of data representing a sum to be paid, to said payment application of said payment terminal:
taking control of said payment terminal by said payment application;
implementing the payment transaction by said payment application;
supplying a result of said payment transaction to said cashing application;
integrating said result of said payment transaction, by said cashing application.

6. A payment terminal of a merchant for processing the transactional data, comprising:
a sensor;
at least one hardware processor; and
a non-transitory computer-readable medium comprising instructions stored thereon, including a cashing application embedded in said payment terminal of the merchant, which when executed by the at least one hardware processor configure the at least one hardware processor to perform acts comprising:
capturing by the sensor at least one piece of data representing an invoice to be settled, called a piece of consolidated data, from the invoice, which is:
printed on a pre-existing carrier by a cashing system, or
rendered on a display by the cashing system;

delivering a digital invoice by formatting the piece of consolidated data, captured from the invoice printed or rendered by the cashing system;
displaying said digital invoice by said cashing application;
performing a cashing operation, comprising:
transmitting at least one piece of data representing a sum to be paid as a function of at least one element of said digital invoice, called a piece of transactional data, to a payment application embedded in said payment terminal; and
performing a payment transaction by the payment application based on the at least one piece of data representing the sum to be paid.

7. A non-transitory computer-readable medium comprising a computer program product stored thereon, which comprises program code instructions of a payment application embedded in a payment terminal of a merchant to execute a method of processing transactional data by the payment terminal, when the instructions are executed on a computer of the payment terminal, wherein the instructions comprise:
instructions that configure the payment terminal of the merchant to capture, by a sensor of the payment terminal, at least one piece of data representing an invoice to be settled, called a piece of consolidated data, from the invoice, which is:
printed on a pre-existing carrier by a cashing system, or
rendered on a display by the cashing system;

instructions that configure the payment terminal to deliver a digital invoice by formatting the piece of consolidated data, captured from the invoice printed or rendered by the cashing system;
instructions that configure the payment terminal to display said digital invoice;
instructions that configure the payment terminal to perform a cashing operation, comprising:
transmitting to a payment application embedded in said payment terminal, at least one piece of data representing a sum to be paid as a function of at least one element of said digital invoice, called a piece of transactional data; and
performing a payment transaction by the payment application based on the at least one piece of data representing the sum to be paid.

8. The method for processing according to claim 1 , wherein performing a cashing operation comprises:
for a first customer, selecting at least one first item on the digital invoice and performing the acts of transmitting and performing a payment transaction on the at least one first item for the first customer; and
for at least one second customer, selecting at least one second item on the digital invoice and performing the acts of transmitting and performing a payment transaction on the at least one second item for the second customer.

Assignees

• Ingenico Group

Inventors

• Ducrohet Vincent

Classifications

• G07F7/0873

  Details of the card reader · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G07F7/0886

  the card reader being portable for interacting with a POS or ECR in realizing a payment transaction · CPC title

• G06Q20/102 Primary

  Bill distribution or payments · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title