Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability

Patent metadata

Field	Value
Publication number	US-10990969-B2
Application number	US-201816230940-A
Country	US
Kind code	B2
Filing date	Dec 21, 2018
Priority date	Dec 21, 2018
Publication date	Apr 27, 2021
Grant date	Apr 27, 2021

Abstract

Payment readers can variously have kernels of different generations, capable of performing different (or different suites of) payment processing functions. A payment reader may be designed to obtain raw payment data from a payment device, process that data if appropriate, and transmit the data to a mobile device external to the payment reader, the mobile device having similar, more, or different processing resources than the payment reader. A mobile device is capable of determining the type and source of payment data received, for example on whether the data is processed or raw (processed data). The mobile device may then selectively determine whether and how to process the payment data and to transmit it to a payment server for approval of a payment transaction.

First claim

What is claimed is:

1. A mobile communication device, comprising:
a communication interface for communicating with first-type payment readers and second-type payment readers, each of the second-type payment readers having a 2nd generation kernel for processing payment information, and each of the first-type payment readers having a 1st generation kernel for processing payment information; and
at least one processor programmed with instructions that, when executed by the at least one processor, cause the at least one processor to:
determine that received data is processed second-type payment information, the processed second-type payment information having been processed by a 2nd generation kernel of a second-type payment reader;
transmit the processed second-type payment information to one or more payment servers for approval of payment transactions based on the processed second-type payment information;
determine that received data is first-type payment information processed by a 1st generation kernel of a first-type payment reader;
transmit the first-type payment information to one or more payment servers for approval of payment transactions based on the first-type payment information;
determine that received data is raw payment information from a first-type payment reader;
provide the raw payment information to a 2nd generation kernel of the mobile communication device for processing of the raw payment information; and
transmit the raw payment information, the raw payment information having been processed by the 2nd generation kernel of the mobile communication device, to one or more payment servers for approval of payment transactions based on the transmitted raw payment information,
wherein the raw payment information is card data in the format it was obtained from a payment device, and
wherein the processed first-type payment information and the processed second-type payment information each comprise card data that has undergone one or more payment processing functions after having been obtained from a payment device.

2. The mobile communication device of claim 1 , further comprising:
an interface configured to receive contactless payment directly from payment devices,
wherein the interface receives contactless payment using the 2nd generation kernel of the mobile communication device.

3. The mobile communication device of claim 1 , wherein the received payment information includes authentication information related to a payment transaction.

4. The mobile communication device of claim 1 , wherein the mobile communication device is further configured to:
receive unprocessed second-type payment information from the 2nd generation kernels of the second-type payment readers;
provide the unprocessed second-type payment information to the 2nd generation kernel of the mobile communication device for processing of the unprocessed second-type payment information.

5. The mobile communication device of claim 1 , wherein the mobile communication device is a mobile phone.

6. A method comprising:
receiving, by a mobile communication device, payment information from a first-type payment reader or a second-type payment reader, wherein the first-type payment reader has a 1st generation kernel for processing payment information, and wherein the second-type payment reader has a 2nd generation kernel for processing payment information;
determining, by the mobile communication device, whether the received payment information is (i) processed first-type payment information from the first-type payment reader, (ii) processed second-type payment information, from a second-type payment reader, or (iii) raw payment information that has not been processed, wherein the raw payment information is data in the format it was obtained from a payment device, and wherein the processed first-type payment information and the processed second-type payment information each comprise payment device data that has undergone one or more payment processing functions after having been obtained from a payment device;
transmitting, by the mobile communication device, in a case that the received payment information is processed second-type payment information processed by the 2nd generation kernel of the second-type payment reader, the processed second-type payment information to one or more payment servers for approval of payment transactions based on the processed second-type payment information;
transmitting by the mobile communication device, in a case that the received payment information is first-type payment information processed by the 1st generation kernel of the first-type payment reader, the first-type payment information to one or more payment servers for approval of payment transactions based on the first-type payment information;
in a case that the received payment information is raw payment information, (a) providing, by the mobile communication device, the raw payment information to a 2nd generation kernel of the mobile communication device for processing of the raw payment information and (b) transmitting, by the mobile communication device, the raw payment information, the raw payment information having been processed by the 2nd generation kernel of the mobile communication device, to one or more payment servers for approval of payment transactions based on the transmitted raw payment information.

7. The method of claim 6 , further comprising:
receiving contactless payment from a payment device using the 2nd generation kernel of the mobile communication device.

8. The method of claim 6 , wherein the received payment information includes authentication information related to a payment transaction.

9. The method of claim 6 , further comprising:
receiving unprocessed second-type payment information from the 2nd generation kernel of the second-type payment reader;
providing the unprocessed second-type payment information to the 2nd generation kernel of the mobile communication device for processing of the unprocessed second-type payment information.

10. The method of claim 6 , wherein the mobile communication device is a mobile phone.

11. A non-transitory computer-readable storage medium having instructions stored therein, which when executed by one or more processors of a mobile communication device, cause the one or more processing units to perform operations comprising:
receiving payment information from a first payment reader or a second payment reader external to the mobile communication device, wherein the first payment reader has a 1st generation kernel configured to process a first type of payment information and wherein the second payment reader has a 2nd generation kernel configured to process a second type of payment information different than the first type of payment information;
determining whether the received payment information (i) has been processed by the 1st generation kernel of the first payment reader, (ii) has been processed by the 2nd generation kernel of the second payment reader, or (iii) is payment information that has not been processed, wherein the payment information that has not been processed is card data in the format it was obtained from a payment device, and wherein the payment information processed by the 1st generation kernel and the payment information processed by the 2nd generation kernel each comprise card data that has undergone one or more payment processing functions after having been obtained from a payment device;
transmitting, in a case that the received payment information comprises the second type of payment information and the received payment information has been processed by the 2nd generation kernel of the second payment reader, the received payment i

Assignees

• Square Inc

Inventors

• Cat Murat
• Aydeniz Gokhan
• Newpower Anthony

Classifications

• G06Q20/20 Primary

  Point-of-sale [POS] network systems · CPC title

• G06Q20/40 Primary

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/322

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

• G06Q20/405

  Establishing or using transaction specific rules · CPC title