Secure mobile checkout system

Patent metadata

Field	Value
Publication number	US-11250411-B2
Application number	US-201816161812-A
Country	US
Kind code	B2
Filing date	Oct 16, 2018
Priority date	Oct 16, 2018
Publication date	Feb 15, 2022
Grant date	Feb 15, 2022

Abstract

Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

First claim

What is claimed is:

1. A method, comprising:
determining, by a computing device executing a checkout services application program interface (API), a client device has entered a merchant location based at least in part on receiving a merchant identifier for the merchant location, wherein the client device is configured to determine the merchant identifier based at least in part on a location of the client device being within a geo-fence boundary for the merchant location;
receiving, by the computing device executing the checkout services API, scanned product data comprising a product identifier associated with a product and a user transaction account identifier;
retrieving, by the computing device executing the checkout services API, product data based at least in part on the merchant identifier, the product identifier and a user profile of the client device, wherein the product data comprises a product price based at least in part on a product discount data associated with the user profile;
generating, by the computing device executing the checkout services API, a transaction data packet associated with a user-initiated transaction, wherein the transaction data packet comprises the merchant identifier, the product identifier, the product price, and the user transaction account identifier;
transmitting, by the computing device executing the checkout services API, over a computer network, the transaction data packet to a payment network,
storing, by the computing device executing the checkout services API, the transaction data packet to a respective block entry in a transaction blockchain, wherein the transaction blockchain comprises a distributed ledger maintained by a plurality of computing devices, wherein the distributed ledger comprises a plurality of block entries, and the respective block entry comprises a hash value of a prior block entry associated with a different transaction;
retrieving, by the computing device executing the checkout services API, a transaction authorization from the transaction blockchain, wherein the transaction authorization is from the payment network and authorizes the user-initiated transaction, wherein the transaction authorization comprises an exit signal for deactivating a security system associated with an exit at the merchant location, and the exit signal comprises the product identifier to indicate that the product is allowed to exit the merchant location; and
transmitting, by the computing device executing the checkout services API, in response to the transaction authorization, the exit signal to the client device, wherein the client device is configured to deactivate the security system at the merchant location by transmitting the exit signal to the security system.

2. The method of claim 1 , wherein the merchant identifier is associated with merchant-specific data comprising at least one of a product image, a product description, a product review, a product rebate, or a product discount, and wherein the scanned product data further comprises a plurality of merchant identifiers each associated with at least one of the product image, the product description, the product review, the product rebate, or the product discount.

3. A secure checkout device, comprising:
a computing device that comprises a processor;
a scanning device configured to receive instructions from the processor; and
a memory configured to communicate with the processor, the memory having instructions stored thereon that, in response to execution by the processor, cause the computing device to at least:
determine the computing device has entered a merchant location based at least in part on receiving a merchant identifier for the merchant location, wherein the merchant identifier is determined based at least in part on a location of the computing device being within a geo-fence boundary for the merchant location;
scan, via the scanning device, a product to determine scanned product data that comprises a product identifier associated with the product and a user transaction account identifier;
retrieve product data based at least in part on the product identifier and the merchant identifier, wherein the product data comprises a product price;
generate a transaction data packet associated with a user-initiated transaction, wherein the transaction data packet comprises the merchant identifier, the product identifier, the product price, and the user transaction account identifier;
transmit over a computer network, the transaction data packet to a payment network,
store the transaction data packet to a respective block entry in a transaction blockchain, wherein the transaction blockchain comprises a distributed ledger maintained by a plurality of computing devices, wherein the distributed ledger comprises a plurality of block entries, and the respective block entry comprises a hash value of a prior block entry associated with a different transaction;
retrieve a transaction authorization from the transaction blockchain, wherein the transaction authorization is from the payment network and authorizes the user-initiated transaction, wherein the transaction authorization comprises an exit signal for deactivating a security system associated with an exit area at the merchant location, and the exit signal comprises the product identifier to indicate that the product is allowed to exit the merchant location; and
transmit in response to the transaction authorization, the exit signal to the security system at the merchant location.

4. The secure checkout device of claim 3 , further comprising a communications chip in electronic communication with the processor, wherein in response to receiving the transaction authorization, the processor is configured to instruct the communications chip to transmit a deactivation signal to the product to deactivate a security device in the product.

5. The secure checkout device of claim 4 , wherein the communications chip comprises a near field communication (NFC) chip, a radio frequency identification (RFID) chip, or a Bluetooth chip.

6. The secure checkout device of claim 3 , wherein the merchant identifier is associated with merchant-specific data comprising at least one of a product image, a product description, a product review, a product rebate, or a product discount.

7. The secure checkout device of claim 3 , wherein the scanned product data further comprises a plurality of merchant identifiers each associated with at least one of a product image, a product description, a product review, a product rebate, or a product discount.

8. The secure checkout device of claim 3 , wherein the transaction data packet comprises a loyalty point redemption amount.

9. The secure checkout device of claim 3 , wherein scanning the product comprises capturing at least one of a universal product code (UPC), a quick response {QR} Code, or a barcode.

10. The secure checkout device of claim 3 , wherein the instructions, in response to execution by the processor, cause the computing device to at least:
identify the merchant identifier of a merchant store based at least in part on a current location of a user device; and
retrieve, over the computer network, a product discount associated with the merchant identifier from a product blockchain.

11. The secure checkout device of claim 3 , wherein scanning the product further comprises instructions that, in response to execution by the processor, cause the computing device to at least:
identify the product based at least in part on a comparison between a captured image of the product and a pre-built model associated with the product.

12. The secure checkout device of claim 11 , wherein the pre-built model assoc

Assignees

• American Express Travel Related Services Co Inc

Inventors

• Coverstone Adam Forrest
• Horvath August John
• Mitta Sai Prajnay
• Mohan Jyothi
• Motamarri Veerababu
• Patthan Subhani
• Rodriguez Marko
• Trinkler Jared Hale
• Yang Yan

Classifications

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/326

  Payment applications installed on the mobile devices · CPC title

• G06Q20/208

  Input by product or record sensing, e.g. weighing or scanner processing · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/3227 Primary

  using secure elements embedded in M-devices · CPC title