Secure point of sale (pos) operations

Patent metadata

Field	Value
Publication number	US-2022351170-A1
Application number	US-202217731857-A
Country	US
Kind code	A1
Filing date	Apr 28, 2022
Priority date	Apr 30, 2021
Publication date	Nov 3, 2022
Grant date	—

Abstract

Examples presented herein describe secure point of sale (POS) operations. One example is a method including receiving, at a mobile device, a communication associated with a custom tender payment for a secure transaction payment, where the mobile device includes a custom payment application configured for the secure transaction payment with a point of sale (POS) device. The method includes receiving account data associated with a user account selection for the custom tender payment for the secure transaction payment, transmitting an account signal including the account data, where when the account signal is transmitted to an integration server as part of the secure transaction payment, the account signal is not transmitted to the POS device, and receiving an authorization communication, where when the authorization communication is received by the mobile device from the integration server, the authorization communication is not communicated to the mobile device via the POS device.

First claim

What is claimed is:

1 . A computer-implemented method, comprising:
receiving, at a mobile device, a communication associated with a custom tender payment for a secure transaction payment, wherein the mobile device includes a custom payment application configured for the secure transaction payment with a point of sale (POS) device; receiving account data associated with a user account selection for the custom tender payment for the secure transaction payment; transmitting an account signal including the account data, wherein when the account signal is transmitted to an integration server as part of the secure transaction payment, the account signal is not transmitted to the POS device; receiving an authorization communication, wherein when the authorization communication is received by the mobile device from the integration server, the authorization communication is not communicated to the mobile device via the POS device; and facilitating presentation of the authorization communication on the POS device.

2 . The computer-implemented method of claim 1 , further comprising:
receiving a payment option communication including payment option data, wherein when the payment option communication is received, the payment option communication is associated with the integration server and the account signal; facilitating presentation of the payment option data; receiving a payment selection, wherein the payment selection includes an indication of a selected option from the payment option data; transmitting the payment selection; and where the authorization communication is received after transmitting the payment selection.

3 . The computer-implemented method of claim 1 , further comprising:
receiving a disclosure communication associated with a payment selection; facilitating presentation of the disclosure communication on a display device of the mobile device; receiving an acceptance input indicating an acceptance of terms of the disclosure communication; transmitting an acceptance communication based on the acceptance input; and wherein when the authorization communication is received, the authorization communication is associated with the acceptance communication.

4 . The computer-implemented method of claim 1 , wherein the authorization communication indicates that the custom tender payment is not approved.

5 . The computer-implemented method of claim 1 , further comprising:
facilitate confirmation and completion of the secure transaction payment, wherein the authorization communication indicates that the custom tender payment is approved.

6 . The computer-implemented method of claim 1 , wherein the communication associated with the custom tender payment is generated by a payment application executed in a mobile operating system environment on the POS device.

7 . The computer-implemented method of claim 1 , further comprising:
receiving a new account application input, wherein when the new account application input is received at the mobile device, the new account application input is associated with the communication for the custom tender payment; transmitting the new account application input; receiving a unique tokenized uniform resource locator (URL); facilitating an application interaction using the unique tokenized URL; and wherein the account data associated with the user account selection is received based on the application interaction.

8 . The computer-implemented method of claim 1 , further comprising:
accessing secure user data from a secure digital lockbox system using the account data; receiving a dynamically generated secure token and autofill information for a new account application input; and facilitating an application interaction using the dynamically generated secure token an the autofill information.

9 . The computer-implemented method of claim 1 , further comprising:
simultaneously processing, by the integration server, the custom tender payment, while the integration server is processing a plurality of standardized tender payments and custom tender payments for a plurality of additional mobile devices associated with a plurality of user accounts.

10 . The computer-implemented method of claim 1 , further comprising:
receiving, at the mobile device, a communication associated with a standardized tender payment using the custom payment application; receiving second account data associated with a second user account selection for the standardized tender payment; and facilitating the standardized tender payment using the custom payment application.

11 . A mobile device, comprising:
a memory; and one or more processors coupled to the memory and configured to perform operations comprising: receiving, at the mobile device, a communication associated with a custom tender payment for a secure transaction payment, wherein the mobile device includes a custom payment application configured for the secure transaction payment with a point of sale (POS) device; receiving account data associated with a user account selection for the custom tender payment for the secure transaction payment; transmitting an account signal including the account data, wherein when the account signal is transmitted to an integration server as part of the secure transaction payment, the account signal is not transmitted to the POS device; receiving an authorization communication, wherein when the authorization communication is received by the mobile device from the integration server, the authorization communication is not communicated to the mobile device via the POS device; and facilitating presentation of the authorization communication on the POS device.

12 . The mobile device of claim 11 , wherein the one or more processors are further configured to perform operations comprising:
receiving a payment option communication including payment option data, wherein when the payment option communication is received, the payment option communication is associated with the integration server and the account signal; facilitating presentation of the payment option data; receiving a payment selection, wherein the payment selection includes an indication of a selected option from the payment option data; transmitting the payment selection; and where the authorization communication is received after transmitting the payment selection.

13 . The mobile device of claim 11 , wherein the one or more processors are further configured to perform operations comprising:
receiving a disclosure communication associated with a payment selection; facilitating presentation of the disclosure communication on a display device of the mobile device; receiving an acceptance input indicating an acceptance of terms of the disclosure communication; transmitting an acceptance communication based on the acceptance input; and wherein when the authorization communication is received, the authorization communication is associated with the acceptance communication.

14 . The mobile device of claim 11 , wherein the authorization communication indicates that the custom tender payment is not approved.

15 . The mobile device of claim 11 , wherein the one or more processors are further configured to perform operations comprising:
facilitating confirmation and completion of the secure transaction payment, wherein the authorization communication indicates that the custom tender payment is approved.

16 . The mobile device of claim 11 , wherein the communication associated with the custom tender payment is generated by a payment application executed in a mobile o

Assignees

• Synchrony Bank

Inventors

• Storiale Michael
• Hammond Lisa
• Miller Jake
• Rowe Paul
• Terry Tiffanie
• Iakimov Denys
• Sapio Daniel
• Rakhmatov Bakhadir
• Caraher Patrick Joseph

Classifications

• H04L63/0807 Primary

  using tickets, e.g. Kerberos (cryptographic mechanisms or cryptographic arrangements for entity authentication using tickets or tokens H04L9/3213) · CPC title

• H04L2463/102

  applying security measure for e-commerce · CPC title

• G06Q20/322

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

• H04L2209/56

  Financial cryptography, e.g. electronic payment or e-cash · CPC title

• G06Q20/38215

  Use of certificates or encrypted proofs of transaction rights · CPC title