System and method for electronic device access

Patent metadata

Field	Value
Publication number	US-11620620-B2
Application number	US-201615188011-A
Country	US
Kind code	B2
Filing date	Jun 21, 2016
Priority date	Jun 22, 2015
Publication date	Apr 4, 2023
Grant date	Apr 4, 2023

Abstract

Techniques for electronic device access are discussed. In one embodiment, data indicative of a card number associated with a bank-issued debit card is received at a computing device. The debit card is associated with a bank account at a bank that issued the bank-issued debit card. The computing device also receives data related to a check to be deposited into the bank account and routes encrypted data indicative of the card number and the data associated with the check to a gateway vendor server from where it is further routed to a payment network server for deposit of an amount indicated by the data associated with the check into the bank account associated with the card number.

First claim

What is claimed is:

1. A method for electronic device access, the method comprising:
processing a sale transaction at a point of sale device by receiving, at the point of sale device, data indicative of a card number associated with a bank-issued debit card of a customer attempting to make a purchase at the point of sale device, the debit card being associated with a bank account of the customer at a bank that issued the bank-issued debit card;
receiving, during the processing of the sale transaction at the point of sale device, data related to a check to be deposited into the bank account of the customer after a portion of funds from the check is used to pay for the purchase being made by the customer at the point of sale device, the data relating to the check to be deposited into the bank account of the customer including a face value of the check;
identifying with the point of sale device a gateway vendor server operated by a third party that provides connectivity to multiple endpoints for processing financial transactions, the gateway vendor server identified based on at least some digits of the card number;
encrypting the data indicative of the card number associated with the bank-issued debit card to provide encrypted data indicative of the card number;
routing, via the point of sale device and during the processing of the sale transaction, the encrypted data indicative of the card number and the data associated with the check to the gateway vendor server, wherein the gateway vendor server routes the encrypted data indicative of the card number and the data associated with the check to a payment network server for deposit of an amount indicated by the data associated with the check into the bank account associated with the card number of the debit card of the customer, wherein the amount is a remaining amount from the face value of the check that is deposited into the bank account associated with the card number of the debit card of the customer after the point-of-sale terminal, during the processing of the sale transaction, deducts from the face value of the check:
an amount associated with the purchase made by the customer at the point of sale device; and
a check processing fee charged against the face value of the check by a retail store for the processing of the check of the customer via the point of sale terminal such that:
a portion of the face value of the check is used to pay for the purchase being made by the customer at the point of sale;
a portion of the face value of the check is used to pay for the check processing fee charged by the retailer; and
the remaining amount from the face value of the check is deposited into the bank account associated with the card number of the debit card of the customer;

determining, via the point of sale device, whether the remaining amount from the face value of the check is above a predetermined minimum deposit amount and:
if the remaining amount from the face value of the check is above a predetermined minimum deposit amount, depositing the remaining amount from the face value of the check into the bank account associated with the card number of the debit card of the customer; and
if the remaining amount from the face value of the check is below a predetermined minimum deposit amount, not depositing the remaining amount from the face value of the check into the bank account associated with the card number of the debit card of the customer, and refunding the remaining amount from the face value of the check to the customer in cash;

receiving at the point of sale device an acknowledgement of the amount of deposit in the bank account; and
displaying to the customer on a display associated with the point of sale device a confirmation of the amount deposited into the bank account following receipt of the acknowledgement.

2. The method of claim 1 , further comprising:
sending the data associated with the check to a third-party server to perform a fraud check.

3. The method of claim 1 , wherein the card number is received at the point of sale device when the debit card is swiped or scanned at the point of sale device.

4. The method of claim 1 , wherein a fraud check is performed by the gateway vendor server based at least in part on information provided by a user at the point of sale device.

5. The method of claim 1 , wherein a fraud check is performed by the payment network server based at least in part on information provided by a user at the point of sale device.

6. The method of claim 1 , wherein a fraud check is performed by a bank server based at least in part on information provided by a user at the point of sale device.

7. The method of claim 1 , further comprising:
comparing, at the point of sale device, the at least one digit of the card number to a plurality of stored card numbers in a point of sale device database associated with the point of sale device to determine whether the card number exists in the point of sale device database;
in response to determining a match between the at least one digit of the card number and a stored card number of the plurality of stored card numbers, retrieving data indicative of a gateway vendor corresponding to the card number from the point of sale device database; and
routing the card number and the data associated with the check to a gateway vendor server associated with the retrieved gateway vendor,
wherein the routing is defined based on at least one digit of the card number.

8. A system for electronic device access, the system comprising:
a point of sale device configured to:
process a sale transaction at a point of sale device by receiving data indicative of a card number associated with a bank-issued debit card of a customer attempting to make a purchase at the point of sale device, the debit card being associated with a bank account of the customer at a bank that issued the bank-issued debit card;
receive, during a processing of the sale transaction by the point of sale device, data associated with a check to be deposited into the bank account of the customer after a portion of funds from the check is used to pay for the purchase being made by the customer at the point of sale device, the data relating to the check to be deposited into the bank account of the customer including a face value of the check;
identify with the point of sale device a gateway vendor server operated by a third party that provides connectivity to multiple endpoints for processing financial transactions, the gateway vendor server identified based on at least some digits of the card number;
encrypt the data indicative of the card number associated with the bank-issued debit card to provide encrypted data indicative of the card number;
route, during the processing of the sale transaction by the point of sale device, the encrypted data indicative of the card number and the data associated with the check to the gateway vendor server, wherein the gateway vendor server routes the encrypted data indicative of the card number and the data associated with the check to a payment network server for deposit of an amount indicated by the data associated with the check into the bank account associated with the card number of the debit card of the customer, wherein the amount is a remaining amount from the face value of the check that is deposited into the bank account associated with the card number of the debit card of the customer after the point-of-sale terminal, during the processing of the sale transaction, deducts from the face value of the check:
an amount associated with the purchase made by the customer at the point of sale device; and
a check processing fee charged against the face value of the check by a retail store for the processing of the check of the custom

Assignees

• Walmart Apollo Llc

Inventors

• Webb Timothy
• Berry Charles D

Classifications

• G06Q20/202

  Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR · CPC title

• G06Q2220/00

  Business processing using cryptography · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/027

  involving a payment switch or gateway · CPC title

• G06Q20/042 Primary

  characterized in that the payment protocol involves at least one cheque · CPC title