Techniques described herein are directed to application(s), or parts thereof, that are embedded into a buyer application. In an example, engagement with a buyer application on a computing device of a buyer can be detected. A particular, discrete functionality of a merchant application of the merchant can be triggered to be initialized in response to the engagement and the buyer application can transition from the buyer application to the merchant application to allow access to the particular, discrete functionality associated with the merchant application. In an example, an indication of a transaction between the merchant and the buyer can be received and the indication of the transaction can be associated with stored activity data of one or more transactions of the buyer, wherein the one or more transactions are associated with the buyer application.
A wearable payment device, such as a finger ring worn by a user, communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. Such wearable payment device may be conveniently carried by and accessible to the user such that utilization of the payment device for the payment transaction is less burdensome for the user, thereby encouraging use of the payment device for payments. Indeed, in some cases, such as when the payment device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the payment device in an exposed manner such that it is readily available for the payment transaction without the user having to search in a wallet, pocket, or purse.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
H01Q 1/22 - Supports; Mounting means by structural association with other equipment or articles
H01Q 1/27 - Adaptation for use in or on movable bodies
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
The present technology reduces external communication, server demand, network congestion, and processing power in facilitating the transfer of stored values. The technology as disclosed herein provides for users to transmit a stored value therebetween, allowing recipients to select how they would like to receive the stored value by means of one or more digital assets or other alternate values. The technology provides for a first user to transmit a stored value to one or more recipients. Upon receiving a selection as to how the recipients would like to receive the stored value, the present technology converts from the stored value as sent by the first user to the one or more alternate values as indicated by the recipients.
In one embodiment, a method includes receiving, by a payment service system (PSS), a request for a cash advance drawn from a line of credit approved for a user. The line of credit is associated with an account maintained by the PSS and includes default repayment terms. The method includes in response to receiving the request, identifying, by the PSS, context characteristics of the request. The method includes determining, by the PSS using a machine learning model applied to the identified characteristics and historical context information stored at the payment service system, that the requested cash advance qualifies for repayment terms that are different form the default repayment terms. The method includes based on the determination, generating a set of modified repayment terms to be associated with the cash advance. The method includes transmitting, by the PSS, an indication of the modified repayment terms to a user device for authorization.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
5.
POINT OF SALE DEVICE WITH CRADLE FOR MOBILE COMPUTING DEVICE
A point of sale (POS) device includes a nest portion and a cradle portion. The nest portion includes one or more payment card or near field communication (NFC) readers. The cradle portion couples to differently-sized interchangeable frames, which in turn help secure a mobile computing device to the cradle portion of the POS device. The mobile computing device is connected via a connector to the rest of the POS device. Payment card information read by the readers is conveyed to the mobile computing device over the connector for processing. The POS device may also include tamper detection circuitry.
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
Intelligently determining terms of conditional finance offers is described. In an example, a computing device can generate, at a first time, a finance offer for purchase of an item from a merchant, wherein the finance offer is conditional on satisfaction of a term of the finance offer. At a second time, the computing device can determine whether to modify the term of the finance offer. The computing device can determine whether the term or the modified term of the finance offer is satisfied and can finalize the finance offer alter the term or the modified term of the finance offer is satisfied, wherein finalizing the finance offer enables a buyer to purchase the item from the merchant using funds associated with the finance offer.
A payment reader can have one or more kernels capable of performing certain payment processing functions but not capable of performing certain, more processing-intensive payment processing functions. The payment reader may be designed to selectively assign processing tasks to application layer kernels located on a mobile device and/or a cloud-based device external to the payment reader, the mobile device having more or different processing resources than the payment reader. The selective assignment may be made dynamically based on the measurement of a condition of the reader or an occurrence of an event, such as a determination that the payment reader cannot process a transaction, that the payment reader does not have sufficient battery strength to process the transaction, or that there has been a tempering attempt at the payment reader. The payment reader also has a physical layer module, which module maintains its processing on the payment reader. By these means, the processing related to a payment transaction is conducted on a hybrid system, using resources both local to and remote from the payment reader.
G06F 21/53 - Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems during program execution, e.g. stack integrity, buffer overflow or preventing unwanted data erasure by executing in a restricted environment, e.g. sandbox or secure virtual machine
Customized web page development based on brick-and-mortar point-of-sale (POS) information is described. In an example, transaction data associated with PCS transaction (s) between a merchant and customers can be received. The POS transaction (s) can be completed via a POS device at a brick-and-mortar store of the merchant. A request to create a web page associated with an online store of the merchant can be received, and creation of the web page can be customized based at least in part on the transaction data associated with the POS transactions between the merchant and the customers. That is, brick-and-mortar POS transaction data can be used to customize creation of the web page.
A stored balance with multi-channel withdrawal access is described. In an example, a server of a payment processing service can determine a stored balance based on funds received from point-of-sale (PCS) transactions processed via the payment processing service on behalf of a merchant. The stored balance can be maintained in a ledger of the payment processing service. The server can associate the stored balance with a payment instrument of the merchant. The stored balance can be accessible via the payment instrument substantially immediately after funding of a transaction at the POS and via (i) an instant deposit to a linked bank account of the merchant and (ii) a scheduled deposit to the linked bank account, wherein the instant deposit is available substantially immediately after funding of the transaction and the scheduled deposit is made at a prearranged time after the funding of the transaction.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
11.
MULTI-DEVICE POINT-OF-SALE SYSTEM HAVING MULTIPLE CUSTOMER-FACING DEVICES
Techniques for conducting transaction (s) between a merchant and customer(s) via a multi-device point- of-sale system are described, The multi-device POS system can include a merchant-facing device having a first processor for processing first instructions for presenting a merchant user Interface (U!) on a display of the merchant- facing device. Further, the multi-device POS system can include a first customer-facing device having a second processor for processing second instructions for presenting a first customer Ul. The first customer Ul can enable a first customer to perform a first action associated with a first transaction. The first customer-facing device can have been coupled to the merchant-facing device at a first time. Further the multi-device POS system can include an application, which can be stored on the merchant-facing device, a second customer-facing device, or a persona! device, for presenting a second customer Ul enabling performance of a second action.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Techniques are described for securely managing double-entry account journals provided for use by clients such as businesses and other organizations. Clients may implement their own accounting systems, or other systems that model financial information, which may use the described techniques for maintaining account journals. The described techniques include receiving transaction requests that specify journal entries, and making those entries in the specified account journals. A cryptographic authentication tag is calculated for each journal entry, based on authentication keys of a forward-secure sequence of authentication keys. This allows a service to verify, in response to a client request, that the order of the entries has not been altered after creation of the entries. The transaction requests may be signed by the client and the signatures saved so that the service can also verify that the entries are as provided by the client.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Disclosed herein is a method and system to determine whether a payment terminal has been tampered with based on a comparison of attestation data received from the payment terminal, for example in an offline mode when an otherwise secure remote server cannot be reached. If the determination yields that the request has been approved, the terminal generates an attestation ticket having one or more validity conditions, wherein the validity conditions include expiration time that indicates the time after which the attestation ticket becomes invalid. The attestation ticket can be used as long as it is valid or until another trigger causes the ticket to be invalidated or regenerated.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
14.
APPLICATION PROGRAMMING INTERFACES FOR STRUCTURING DISTRIBUTED SYSTEMS
A system and environment to enable entities to utilize delivery services provided by a service provider are described herein. In some examples, the service provider exposes the delivery services to a computing device associated with a merchant, buyer, and/or others using one or more Applicant Programming Interfaces (APIs) provided by the service provider. The one or more APIs may enable merchants and/or others to automatically integrate the delivery services into technologies used by the merchants and/or others in order to facilitate delivery of items that are offered for acquisition by the merchants.
Systems and methods for message sizing and serialization optimization are disclosed. Communications between a secure payment enclave, other components of a customer terminal, a merchant terminal, and/or a remote system may be optimized depending on a state of the customer terminal and/or the merchant terminal. Message sizing and type may be optimized depending on the state. Additionally, or alternatively, message serialization may be optimized using state-dependent protocol buffers. The communications may pass between components of a POS system to a remote system via two operating-system stacks, which may be customized for a POS system transaction.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A payment terminal has a clock management unit for providing clock signals to components of the payment terminal. The payment terminal also has a wireless communication interface for communicating wireless signals. A processing unit of the payment terminal may monitor operation of a wireless communication interface of the payment terminal and, when the payment terminal is communicating wirelessly, modify an initial clock signal provided to one or more components of the payment terminal that emit RF noise to modify a frequency at which the RF noise occurs. When the payment terminal is no longer transmitting, the processing unit may provide the initial clock signal to the RF noise source.
H04B 15/00 - Suppression or limitation of noise or interference
H04B 15/06 - Reducing interference from electric apparatus by means located at or near the interfering apparatus the interference being caused by substantially sinusoidal oscillations, e.g. in a receiver or in a tape-recorder by local oscillators of receivers
A payment terminal can have an integrated memory scanning system that has direct access to the memory of the payment terminal. By having direct access to the memory of the payment terminal, the memory scanning system can access information about the operating system and the applications of the payment terminal to determine if the operating system or applications are performing unauthorized or forbidden actions, which may indicate that a fraudulent transaction or tamper attempt is occurring at the payment terminal. The memory scanning system can determine if an unauthorized action is occurring by comparing the information regarding the operating system or applications obtained from the memory to test criteria stored by the memory scanning system. In addition, the memory scanning system can also have a direct communications with a payment server using information from a network stack in memory that can be accessed directly by the memory scanning system.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
The present technology provides a payment service for providing financial transactions between a customer and merchant wherein the customer can pay in any currency and the merchant can be paid in any currency. Furthermore, the present technology supports payment using cryptocurrency, while improving such transaction in a way that takes advantage of benefits of such transactions, like anonymity, while overcoming drawbacks such as delays in processing.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A device may include one or more sources such as circuit elements and electrical components that function as sources for physically unclonable function (PUF) data. PUF data may be acquired from the PUF sources. The resulting PUF values may be used to generate information that may be used for device security operations such as encryption and tamper detection.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
20.
SECURELY UPDATING SOFTWARE ON CONNECTED ELECTRONIC DEVICES
This disclosure describes, in part, techniques for securely updating a point-of-sale (POS) system that includes a merchant- facing device and a buyer-facing device. For instance, the merchant-facing device may execute first software that provides first POS functionality and the buyer-facing device may execute second software that provides second POS functionality. To update both devices, the merchant-facing device may receive a software update from a payment service via a network connection, and update the first software using the software update. The merchant-facing device can then cause, via a physical connection, the buyer-facing device to reboot in an update mode and send the software update to the buyer- facing device. In response, the buyer-facing device can update the second software using the software update and then reboot in a payments mode. In some instances, the buyer-facing device can then update a secure enclave on the buyer-facing device using the software update.
Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
A payment terminal can have an application processing unit coupled to a transaction processing unit. The transaction processing unit can receive payment information from a payment device via a payment interface coupled to the transaction processing unit. The transaction processing unit can encrypt the payment information in accordance with a standard payment protocol and provide the encrypted payment information and other protocol dependent information to the application processing unit. The application processing unit can execute a point-of-sale application that can have the transaction processing unit acquire the payment information and have the application processing unit transmit the encrypted payment information and other protocol-dependent information from the transaction processing unit to a payment server.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
23.
ENHANCED USER INTERFACE FOR CREATING INTERACTIVE LAYOUTS
This disclosure describes, in part, techniques for utilizing an enhanced user interface to create interactive layouts. For instance, a merchant device may present a user interface to a merchant, where the merchant can use the user interface to create a layout of a physical establishment. The merchant device can then receive inputs indicating respective locations of designated sections and objects within the physical establishment, and update the layout to include graphical elements corresponding to the designated sections and the objects at the respective locations. After creating the layout, the merchant device can send data corresponding to the layout to a payment service. The payment service can analyze the layout to determine locations within the physical establishment for placing designated sections and objects. Additionally, the payment service can send the merchant device messages that indicate the locations.
A point-of-sale (POS) device includes a processor, a universal serial bus (USB) hub, two switches, and an external connector that connects the POS device to a secondary device with its own second processor. In a primary mode, the processor is connected to a host connector of the USB hub and the secondary device is connected to a first peripheral connector of the USB hub via the external connector. In a secondary mode, the processor is connected to the first peripheral connector of the USB hub and the secondary device is connected to the host connector of the USB hub via the external connector. The processor controls the switch from the primary mode to the secondary mode, and vice versa, by transmitting control signals to control pins of the two switches, and optionally by transmitting a reset signal to a reset pin of the USB hub.
A point-of-sale (POS) device includes a processor, a battery, a transaction object reader, a printer with a printer controller, and optionally a temperature sensor. The processor determines a present power discharge capability rate of the battery, optionally based on a temperature measured by the temperature sensor. The processor also calculates a first estimated power draw rate based on a first setting value for at least one of the components of the POS device, such as the printer. If the first estimated power draw rate is dangerously close to the present power discharge capability rate of the battery, a second estimated power draw rate is calculated based on a second setting value for the one or more components. If the second estimated power draw rate is no longer dangerously close to the present power discharge capability rate of the battery, the components are set to the second settings value.
A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
27.
CONFIGURING VERIFICATION INFORMATION AT POINT-OF-SALE DEVICES
Techniques and arrangements for dynamically modifying a cardholder verification method (CVM) implemented at a point-of-sale (POS) device. In some instances, the techniques instruct a POS device to determine an attribute associated with a received payment instrument and determine, based on this information and via the issuing entity, whether to implement a default or static CVM or whether to apply a modified or dynamic CVM such that the POS device requests different verification information than if the POS device did not modify the CVM. The modified or dynamic CVM may be implemented if a customer's device, present at the location of the payment transaction, has installed thereon an application of the entity that has issued the payment instrument.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
28.
PROVISIONING TEMPORARY FUNCTIONALITY TO USER DEVICES
Techniques for temporarily providing access to a functionality associated with a service to one or more personal devices corresponding to one or more users is described. In an example, an entity device may provision temporary access to a functionality associated with a service that benefits the entity to a personal device operated by a user. The personal device may utilize the functionality to perform a task, such as inventory data collection. The entity device may determine an occurrence of an event, and based at least in part on the occurrence of the event, may terminate the provisioning of the temporary access to the functionality. The entity device may receive data, such as inventory data, from the personal device and may send the data to a payment processing system.
A payment processing device can implement a monitoring system to detect for tamper attempts at a chip card interface. The monitoring system can establish a baseline when no chip card is present in the chip card interface, or in some embodiments, when it is known that an authentic chip card 14 is present in the slot 21. During subsequent evaluations of the chip card interface by the monitoring system, a response received by the monitoring system that deviates from the baseline can indicate that a tamper attempt at the chip card interface may have occurred. If a tamper attempt is determined by the monitoring system, a remedial or corrective action can be taken.
A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide a clock signal at a rate that exceeds a specified rate for the EMV chip card. The payment terminal may transmit messages to the EMV chip card and monitor receive messages at a data connection. The payment terminal may determine that the clock rate is excessive based on a timeout of a receive message, an error rate of a receive message, or a receive message indicating that one of the transmit messages was not received by the EMV card. The payment terminal may reduce the clock rate to a rate that is below the specified rate for the EMV chip card.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06F 13/42 - Bus transfer protocol, e.g. handshake; Synchronisation
Disclosed herein are systems and methods for processing a payment request that use mobile devices to have money transferred. These mobile devices are capable of running a payment transfer application that facilitates a transfer of money. A user can then execute the payment transfer application using a mobile device to send money, through a payment processing system that runs the payment transfer application, to a recipient account. One or more techniques authenticate a user of the mobile device by multi factor authentication prior to processing requests for money transfer initiated by the user.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
Techniques for enabling transactions via a payment processing service for a merchant that is currently located outside of a particular region that the merchant utilizes the payment processing service for processing card-present transactions is described. A server associated with the payment processing service may receive, from a point-of-sale (POS) system, first payment data to satisfy a cost of a transaction between a customer and the merchant and may determine that the POS system is currently located outside of a region where the merchant utilizes the payment processing service to perform card-present transactions. The server may extract a portion of the first payment data, the portion of the first payment data corresponding to information required for a card-not-present transaction and may facilitate, based at least in part on the portion of the first payment data, a card-not-present transaction, instead of a card- present transaction, to authorize the cost of the transaction.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
Integrating third-party applications and native applications allows platform designers to provide greater services than otherwise would be available. This integration can increase security, provide more features, and give users a better experience with devices. Examples of such integration can allow third-party applications to have access to hardware and to provide seamless services to users. Such services can include registering payment accounts, allowing for loyalty programs, and providing additional information and services in native applications to provide a seamless experience.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and initiate communications with the electronic transaction card. One or more records may be acquired from the electronic transaction card. Data objects may be extracted from those records and stored in a cache. Data objects may be needed to process transactions. If the data object is available from the data cache or is otherwise received prior to all records being received, transactions may be processed prior to the acquisition of all records from the electronic transaction card.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Techniques for generating schedule(s) specific to a merchant for managing power states of component(s) of a point-of-sale (POS) system of the merchant are described. Transaction data associated with transactions involving the merchant may be received from a POS application of the POS system. Based at least partly on the transaction data, a schedule for managing the power states of a component, such as a battery-operated payment reader device, may be determined. The schedule may indicate when to change a first power state of the component to a second power state. The schedule may be sent to a POS system. The POS system may use the schedule to manage the power states of a component of the POS system, such as a battery-operated reader device. Additionally, or alternatively, the POS system may determine triggering events and may manage the power states of the component based on the triggering events.
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
Disclosed is a technique for prevention of false tamper positives experienced by an electronic device by use of a custom profile. The technique includes application of sensors of the device to collect data from the environment. Further, the device determines whether an event causes accidental triggering of tamper response as the environmental data varies. Accordingly, the conditions triggering a tamper response are dynamically changed as the environmental data changes.
A payment reader includes a tuning circuit that provides a tuned transmission source signal to an antenna for transmission. A sense circuit coupled to the antenna provides a measured transmitted signal to a binary phase detection circuit. The binary phase detection circuit filters and processes the signal to provide an analog phase signal that corresponds to a phase difference between the measured transmitted signal and the transmission source signal. A comparison circuit compares the analog phase signal to a reference signal, and a decision circuit adjusts the operation of the transmission circuitry based on the comparison.
H04B 5/00 - Near-field transmission systems, e.g. inductive loop type
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G01R 25/00 - Arrangements for measuring phase angle between a voltage and a current or between voltages or currents
G01R 25/04 - Arrangements for measuring phase angle between a voltage and a current or between voltages or currents involving adjustment of a phase shifter to produce a predetermined phase difference, e.g. zero difference
In some examples, a system and method for activating a payment instrument. The method includes leveraging an activation feature associated with a payment instrument. The representation, obtained by a sensor, of the activation feature is received by the payment processing system. The payment processing system compares the representation of the activation feature with stored activation features corresponding to a user associated with the payment instrument. If the representation matches a user-associated activation feature, the payment processing system activates the payment instrument, wherein activating further includes granting the recipient access to a predetermined amount of funds through the activated payment instrument.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
A payment reader and a POS terminal may communicate over a wireless connection. An original state of the payment reader can be used to determine a behavioral model, wherein the behavioral model defines an expected behavior of the payment entity. The system and method include detecting a change in the original state of the payment entity, wherein the change in the original state is triggered by another payment entity not authorized by the merchant; comparing the change of the original state with a threshold deviation defined by the behavioral model; and if the change of state is not within the threshold deviation, performing one or more actions to revert the payment entity to the original state.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
Techniques and arrangements for dynamically modifying a user interface on a computing device of a point-of-sale (POS) system based on a location of the computing device. The location can be associated with a functionality of the user interface. The user interface can include one or more icons corresponding to selectable items that correspond to the functionality. A modification to the user interface can include an adjustment to a visual appearance of an icon and/or a replacement of an icon with another icon.
A system and environment to enable entities to utilize courier services provided by a service provider are described herein. In some examples, the service provider exposes the courier services to a computing device associated with a merchant, buyer, and/or others using one or more Application Programming Interfaces (APIs) provided by the service provider. The one or more APIs may enable merchants and/or others to automatically integrate the courier services into technologies used by the merchants and/or others in order to facilitate delivery of items that are offered for acquisition by the merchants.
Disclosed herein are systems and methods for processing a payment request. A mobile device associated with a payor may generate a user interface having two screen portions. The first screen portion may be configured to display received and sent messages and further configured to receive a command to transmit a message. The second screen portion may be configured to access a third-party application and configured to populate a new message with a payload. The mobile device may receive an inputted amount in the second screen portion representing the payment amount. The mobile device may transmit a request including the payor's identification and the payment amount to a third-party Payment Processing System (PPS) and receive a payload from the PPS. The mobile device may populate and transmit a message to the recipient that contains the payload.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
A transition glitch suppression circuit (400) can be used to remove unwanted glitches occurring within a time delay of the rising edge or falling edge of a signal (402). The transition glitch suppression circuit has a delay element (404) that can delay the input signal by the time delay to generate a delayed input signal. The transition glitch suppression circuit also has first (406, 412) and second (410, 408) logic circuits that process the input signal and the delayed input signal to generate corresponding outputs. A multiplexer (414) provides the output signal (416) for the suppression circuit by selecting between the output of the first logic circuit (406, 412) and the output of the second logic circuit (410, 408) based on the value of the output signal (416).
H03K 5/1252 - Suppression or limitation of noise or interference
H03K 5/1254 - Suppression or limitation of noise or interference specially adapted for pulses generated by closure of switches, i.e. anti-bouncing devices
Techniques and arrangements for allowing modification of transaction flows, user interfaces (UIs), receipt configuration and control of buyer-facing displays associated with transactions between a payment service, a merchant and a buyer are provided. Payment service payment functionality is exposed by the payment service via one or more application programming interfaces (API)s, software development kits (SDKs), or some other web-based communication technique (e.g., a uniform resource locator). The payment service payment functionality exposed by the payment service allows a merchant to customize one or more steps of a transaction between a user and a merchant. A merchant can use the exposed payment service payment functionality to configure and modify the look and feel and/or the steps within a transaction flow. The merchant can also modify a receipt to include other information from the information that is included in a default receipt.
A payment terminal can have a near field communication (NFC) circuit to permit the payment terminal to accept an NFC payment transaction from a payment device of a customer. The NFC circuit can have a first set of components that are located on a printed circuit board in the base of the payment terminal and a second set of components that are mounted on a flex circuit in another region of the payment terminal. The flex circuit can be coupled to the printed circuit board and have an extended portion with a plurality of traces to communicate transmit and receive data between the first set of components and the second set of components. The plurality of traces on the extended portion can have a predetermined length that is greater than or equal to 2.5% of the propagation-medium-specific wavelength of the carrier signal communicated over the traces.
A payment terminal includes multiple chips that perform different processing functions within the payment terminal. A terminal chip performs general functionality of the payment terminal while a transaction chip communicates with payment devices such as chip cards and NFC payment devices and processes payment information. The transaction chip may operate in a low power during which communications and processing are limited, and a transaction processing mode in which transactions may be processed. The transaction chip may transfer between these modes based on wake-up messages provided by other devices or circuitry of the payment terminal.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
Users can maintain logical and physical separation of funds maintained in a single account. The account can include the entire balance of a user's funds, but the user can split the funds between several, physically separated sub-accounts that have balances related to the entire balance of the account. Financial transactions, including credit and debit transactions, can then target sub-accounts that the user established.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
A merchant terminal has two USB interfaces. Each USB interface includes a voltage pin and an ID pin. The merchant terminal also has two power supply switches, each of which selectively couples a respective one of the voltage pins to a merchant terminal power supply. Each power supply switch is responsive to either a power supply voltage received at an associated voltage pin or an oscillating signal received at an associated ID pin.
A payment terminal may receive a request to process electronic payment information from a chip card in an expedited processing mode. The payment terminal may provide an opt-in request. If a user accepts, the payment terminal may receive a request for payment and request an electronic payment response from the chip card. The payment terminal may receive the electronic payment response from the chip card and store it in memory at the payment terminal. The payment terminal may approve the payment transaction associated with the electronic payment response, allowing the chip card to be removed from the payment terminal. The payment terminal may process additional requests for payment and associate payment-type and time indicators with each electronic payment response. The payment terminal may transmit approval requests to one or more payment servers when the terminal determines they may be transmitted, and, for each request, receive a payment approval response.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Disclosed herein is a method and system to determine whether a payment terminal has been tampered with based on a comparison of attestation data received from the payment terminal. If the determination yields that the request has been approved, the terminal generates an attestation ticket having one or more validity conditions, wherein the validity conditions include expiration time that indicates the time after which the attestation ticket becomes invalid. The attestation ticket can be used as long as it is valid or until another trigger causes the ticket to be invalidated or regenerated.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Techniques and arrangements of a point-of-sale (POS) system including a transaction interface control mechanism configured to prevent simultaneous input by a merchant and a customer during a transaction. The POS system can include a merchant user interface (UI) presented on a merchant-facing display and a customer UI presented on a customer-facing display. In some instances, the merchant UI can be on a display of a merchant device, while the customer UI can be on a display of a customer device. In such instances, the merchant device and the customer device can be operably connected via a wired or wireless connection.
A wireless communication device communicates with an inductively coupled device via a wireless carrier signal that may be modulated by both the wireless communication device and the inductively coupled device. The inductively coupled signal is transmitted from a transponder antenna of the wireless communication device The wireless communication device also includes an auxiliary antenna. The auxiliary antenna is enabled while the wireless communication device is receiving a modulated version of the wireless carrier signal from the inductively coupled device.
An online transaction processing service may be used by a merchant to manage sales promotions and points-based loyalty programs. The service is configured to recommend the number of points to be redeemed for a particular sales promotion, based on information such as promotional goals of the merchant, on the number of reward points held by the customers of the merchant, on historical redemption rates by qualifying customers, etc. The service may also be configured to analyze customer purchasing behaviors to identify groups of customers exhibiting similar purchasing behaviors and to recommend sales promotions to particular groups of customers, based on based on information such as sales priorities of the merchant and/or the business type of the merchant. The products offered as part of the promotions may similarly be selected based on sales priorities and business types, as well as existing inventories of products and profit margins associated with the products.
It may be determined that a payment reader requires a firmware update, which may be transmitted to the payment reader as compressed firmware update blocks. The payment reader may receive a first portion of set of the compressed firmware update blocks. The payment reader may decompress the first portion and determine a partial firmware offset associated with the first portion. If the firmware update is incomplete, the payment reader may transmit that partial firmware offset to a second device. Based on this partial of firmware offset and an offset table that associates compressed firmware offsets with decompressed firmware offsets, the payment reader receive a second portion of compressed firmware update blocks to send to the payment reader. The payment reader may determine that entire update has been received and update its firmware.
A payment reader and a merchant device may communicate over a wireless connection. Reliable and unreliable packets may be transmitted over a single messaging path. Each of a plurality of unreliable packet may include a data payload and a packet identifier. The unreliable packets and a reliable packet may be transmitted over the single messaging path during a first connection event. A response to the reliable packet may be received during the second event and may include a received packet listing. If the received packet listing indicates that any of the unreliable packets were not received, any unreliable packet that was not received may be retransmitted.
H04L 1/16 - Arrangements for detecting or preventing errors in the information received by using return channel in which the return channel carries supervisory signals, e.g. repetition request signals
56.
CLOUD-BASED GENERATION OF RECEIPTS USING TRANSACTION INFORMATION
This disclosure describes, in part, cloud-based generation of receipts using transaction information. In some examples, a payment service can send receipt templates to a point-of-sale (POS) device of a merchant, receive an indication of a selected receipt template from the POS device, and associated the selected receipt template in a merchant profile of the merchant. The payment system can then receive transaction information from the POS device of the merchant, generate a receipt for the transaction using the selected receipt template associated with the merchant profile, and send data representing the receipt to the POS device. In some examples, the receipt template defines a layout of the receipt, text to include in the receipt, and one or more graphics to include in the receipt.
A payment terminal may include payment interfaces to receive payment information from payment devices such as chip cards and NFC payment devices. Monitoring components may monitor these payment interfaces. In addition, test requests may be transmitted to a payment device in order to elicit responses. The monitored information and the responses may be used by the payment terminal to determine whether a transaction is fraudulent or if a tamper attempt is ongoing, based on local test criteria. In addition, the monitored information and responses may be provided to a server, which may store the monitored information and responses, test for fraudulent transactions and tamper attempts based on server test criteria, and determine updates to the local test criteria.
Techniques and arrangements for managing animations (e.g., chrome) on an application of a computing device are described. The application may dynamically adjust the number of animations to process information at a faster and/or slower rate. The application may adjust the number of animations based on various factors, such as a rate of input events, a rate of outbound signals, a type of user, an experience level of a user, a time of day, a time of year, and/or other factors.
This disclosure describes techniques and arrangements for splitting one or more items from a ticket to another ticket. Some techniques and arrangements facilitate the splitting of one or more items from an open ticket to one or more split tickets. In some implementations, a foster ticket is utilized to account for items associated with tickets. Other techniques and arrangements include providing split ticket suggestions. In some implementations, split ticket suggestions are provided based on historical ticket information and/or customer information.
Disclosed is a technique for identifying touch events performed on a mobile device within a secure environment. The technique can involve diverting coordinates for certain touch events to a secure environment in a payment application, for example, by modifying an import address table (e.g., implementing a "hook") that is accessed by an event loop of the mobile device. Generally, only those touch events that are performed within the bounds of a user interface area are diverted to the secure environment, and all touch events outside that area continue to be identified using the operating system libraries of the mobile device. A checksum may be generated for the import address table using a cryptographic hash function. The checksum allows the payment application or a payment processing system to determine whether an unauthorized modification of the import address table is present.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
A web editing server includes an app dashboard module that provides a dashboard user interface for presenting information provided by apps installed on users' websites. In one embodiment, the app dashboard module organizes the information as a series of cards, with each card providing information for an associated app. A user can select a card to obtain more information from the app. An app developer system allows an app developer to create and/or service an app in the app center. App developers may create cards by selecting one or more components from a card definition module. The app developer system may determine data attributes from received app data, which can be used to automatically create cards for the app dashboard.
G06F 3/00 - Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
G06F 3/048 - Interaction techniques based on graphical user interfaces [GUI]
G06F 9/00 - Arrangements for program control, e.g. control units
A payment reader includes a payment interface and a plurality of firmware modules. The firmware modules include a message dispatcher module and a plurality of functional modules, which include a payment module associated with the payment interface and a transaction processing module that is associated with processing of payment information. The message dispatcher module provides messages that result in execution of the functional modules. A first message type is associated with concurrent operation of the functional modules and a second message type is associated with the ordered processing of the functional modules.
A wireless communication device such as a payment reader has a wireless communication interface and is able to establish wireless pairing with an interactive electronic device such as a merchant device running a point of sale application. In order to establish pairing, the wireless communication device accesses a passkey and encrypts the passkey. The encrypted passkey is transmitted to the interactive electronic device via the wireless communication interface, and the interactive electronic device sends the encrypted passkey to a pairing server. The pairing server decrypts the encrypted passkey and sends the decrypted passkey back to the interactive electronic device via a secure connection. The wireless communication device and the interactive electronic device establish wireless pairing based on the passkey and the decrypted passkey.
In some examples, a system and method for pairing a payment object reader with a point-of-sale (POS) terminal is described herein. The payment object reader includes one or more light indicators configured to display information in an optical pattern of one or more colors, brightness, lightness, and intensities, wherein the light indicators display a first optical pattern representative of an operational status of the payment object reader in a first mode, and a second optical pattern representative of a pairing code in a second mode. A display control component, executed by a processor, is configured to control the light indicators in accordance with the pairing code to generate the second optical pattern, the second optical pattern when shared with the POS terminal enables pairing between the payment object reader and the POS terminal. When paired, the payment object reader allows the POS terminal to accept payments from a customer.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06K 7/00 - Methods or arrangements for sensing record carriers
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
H04W 4/00 - Services specially adapted for wireless communication networks; Facilities therefor
A NFC object reader's NFC antenna system configured to dynamically change an element of the NFC antenna system to maintain the NFC antenna system's antenna default resonant frequency. The NFC antenna system can be configured to include a tuning subsystem, integrated with sensors to trigger tuning of NFC antenna system's antenna.
G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
H01Q 1/22 - Supports; Mounting means by structural association with other equipment or articles
H01Q 7/00 - Loop antennas with a substantially uniform current distribution around the loop and having a directional radiation pattern in a plane perpendicular to the plane of the loop
H04B 5/00 - Near-field transmission systems, e.g. inductive loop type
A payment handling system may operate to handle payments for the cost of a transaction in which one or more devices operate in an offline mode. The payment handling system may allow for merchant devices to make modifications to local versions of an open ticket while in an off-line mode. When a merchant device subsequently enters an online mode, the systems and techniques may operate to reconcile differences between the local versions of the open ticket.
G06G 1/12 - Devices in which computing is effected by adding, subtracting, or comparing lengths of parallel or concentric graduated scales characterised by the graduation logarithmic graduations, e.g. for multiplication
G06Q 20/00 - Payment architectures, schemes or protocols
67.
SYSTEMS, METHODS AND APPARATUS FOR SECURE PERIPHERAL COMMUNICATION
An interface device includes a communication interface and a secure element. The communication interface receives input data and a selection of one of a plurality of secure modes to secure the input data for transmission to a secure external computing device, such as a banking web server. The secure element secures the input data based on the secure mode that was selected. The secured input data is then transmitted to the secure external computing device.
G06F 21/78 - Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure storage of data
A technique is introduced that can securely displaying decrypted images while preventing these decrypted images against an attempt to capture such. Some aspects of the technique include loading a cryptographic shader into a graphics processor unit (GPU) in the recipient's computer device separate from the CPU in the recipient's computer device. In some embodiments, the cryptographic shader that is loaded includes instructions that implement a white-box cryptographic algorithm to decrypt encrypted images. A cryptographic key is integrated within the white-box cryptographic algorithm so that the cryptographic key is protected from extraction. When the GPU receives the encrypted images, the cryptographic shader can perform decryption processes to generate decrypted images. The decrypted images are loaded by the GPU directly from the GPU into a frame buffer such that the decrypted images are to be displayed without any portion of the decrypted images passing through the CPU.
H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
Approaches provide for determining an internal rate of resistance of a battery in a computing device. In particular, various examples enable using a processor to expose the battery to a first load at a first rate of consumption and to measure a first analog voltage across the battery during exposure of the battery to the first load. The processor is able to expose the battery to a second load a second rate of consumption and to measure a second analog voltage across the battery during exposure of the battery to the second load. Linear equations can be used to solve for the battery's internal rate of resistance based at least in part on the first rate of consumption, the first analog voltage, the second rate of consumption, and the second analog voltage. In various embodiments, the battery's internal rate of resistance can be correlated to a battery health indicator.
G01R 31/36 - Arrangements for testing, measuring or monitoring the electrical condition of accumulators or electric batteries, e.g. capacity or state of charge [SoC]
Geo-fences may be dynamically reconfigured to identify merchants that may be of particular interest to users. In some instances, a geo-fence may be defined for a particular user based on a variety of information, in order to identify merchants that may be of interest to the user and that are located within proximity to the user. The geo-fence may be defined based on purchase history, places that are frequented by the user, a mode of transportation, a navigation or transportation route, user preferences, and/or a variety of other information. Information regarding the identified merchants may be displayed or otherwise output to notify the user of nearby merchants that may be of interest.
A card reader for a point-of-sale system that is configured to accept both magnetic strip-type and integrated circuit (IC) chip-type payment cards. The card reader is a component of a point-of-sale system including a portable computing device in communication with the card reader that is configured to present a first graphical user interface (GUI) when a magnetic stripe-type card is detected and a second GUI when an IC chip-type card is detected in the card reader. The card reader comprises a slot configured to receive the payment card, a magnetic reading device and an IC chip reading device. The card reader also includes a discriminator contact disposed within the slot that is configured to conduct across a surface of a metal pad of the IC chip-type card prior to the CI chip reading device making contact with the IC chip.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Financial transaction card data can be entered by providing a picture of the card to a server programmed with a text recognition algorithm. The server can perform text recognition on the image at the same time that a consumer enters additional required data, such as a zip code. The server can perform as much text recognition processing as possible in the time the consumer is entering the additional data. Once the additional data is received, a signal can be provided to the server indicating that the user is now waiting for results of the text recognition process, meaning the server should provide them as quickly as possible. Once text recognition results are received, a consumer can make a selection to identify a character which the text recognition algorithm did not sufficiently identify. Based on known account number constraints, the user selection can cause multiple characters to be identified.
Techniques for securely displaying sensitive information against attempts to capture such information via screenshots are introduced. Similar to the pieces of a puzzle, a plurality of images that collectively represent a keypad (for example) are generated and each image represents a different part of the characters. The generated images are to be displayed to a human user in a sequential fashion at at least a predetermined minimum frame rate, such that the plurality of images sequentially displayed are perceivable by the human user collectively as the keypad. In each of the plurality of images, at least a part of the characters of the keypad is disguised or concealed, and in some embodiments, to the extent that not a single character of the keypad is recognizable by a human or a machine. Not all of the plurality of images are displayed at any instant in time.
Described is a technology for facilitating money transfer between a sender and a recipient by use of a payment proxy associated with the recipient. The technology enables a sender, who desires to send cash to a recipient, using an application (e.g., a payment service application, a messaging application, etc.), to specify the recipient by inputting, in a message being created using the application, one or more alphanumeric characters and a monetary currency indicator prefixing the alphanumeric characters (e.g., $alex). The monetary currency indicator operates as a tagging mechanism that indicates to a computer system, receiving the message, to treat the input(s) as a request from the sender to transfer cash, wherein detection of a specified syntax, which includes the alphanumeric character tagged by a monetary currency indicator, triggers a transfer of cash.
An appointment and payment handling system may operate to handle payments for appointments based on user locations at times associated with appointments. The appointment and payment handling system may determine if a location of a customer device associated with a customer associated with an appointment matches a location associated with the appointment. If the locations match, the appointment and payment handling system may create a payment record for a payment to the merchant from the customer based on the determination that the customer location matches the location associated with the appointment.
Technology is disclosed for mitigating account enumeration and thus enhances network security. The technology can receive from a client computing device a sequence of characters corresponding to a portion of an email address input by a user. The technology retrieves a set of email addresses that have a common first portion identical to the received sequence of characters and generates hashed data. The hashed data is sent to the client computing device. A result value is then generated by hashing the input email address by using the same hashing function as the hashed data. If the result value is in the hashed data, the technology displays a text region for collecting from the user a password.
H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
A parent record is created, and the parent record includes a cache for children. Child records are created, and each child record belongs to a parent. Responsive to the creation or update of a child record, the parent record's cache is invalidated. To rebuild the parent record's cache, the child records are serialized and written into the parent record's cache. During a read operation, the parent record is read, including the parent record's cache of children, in a single database access. This results in a substantial savings of time as compared to retrieving the parent and the children from the database separately. Where the number of reads of the parent record greatly exceeds the number of changes to child records, serialized child associations in parent records enhances the efficiency of database access.
A server system allows object relational mapping. Objects of an object type are stored as records in a table corresponding to the object type. The server system allows new attributes to be added to an object type without altering the corresponding table. The object type comprises a set of mapped attributes that correspond to distinct columns of the associated table. The object type further comprises unmapped attributes that fail to map to distinct columns of the table. The table is associated with a virtual column for storing the unmapped attributes. The unmapped attributes of an object of the object type are encoded into a value and stored in the virtual column. The virtual column may be a column of the same table or a column of an auxiliary table. The unmapped attributes may also be stored as name value pairs in an auxiliary table associated with the table.
G06F 17/30 - Information retrieval; Database structures therefor
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
A payment card reader connected to an audio port of a mobile computing device may include a card interface, the card interface configured to read data from a payment card; a TRRS connector to couple the payment card reader with the mobile computing device; and an audio interface circuit coupled with the TRRS connector. The audio interface circuit may include a communication circuit configured to transmit data to and receive data from the mobile computing device via the TRRS connector and an energy harvesting circuit configured to receive an audio signal via the TRRS connector, to harvest energy from the audio signal, and to provide energy to other components of the card reader.
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
A web rendering module in the operating system is used to render and display a web page. The web rendering module also generates layout data that describes the position and size of each visual element on the rendered web page. A web editing application uses the layout data to generate a native overlay. The native overlay is an arrangement of cells, and each cell has the same position and size as a respective visual element. The application displays the native overlay on top of the rendered web page so that each visual element on the web page is aligned with a cell in the native overlay. The cells in the native overlay are transparent so that the rendered web page remains visible to the user, but the native overlay captures any interactions that the user performs. The interactions are then processed to make a corresponding change to the web page.
Aspects of the subject disclosure provide a reader device for managing transactions using financial instruments with encrypted data storage devices, such as integrated circuit cards (ICC). In some implementations, a reader device of the subject technology can be configured to access the encrypted information in an ICC via an index or table of keys stored on a host device. In operation, upon detecting an ICC, the reader device can obtain application or protocol information for the ICC and concurrently pre-fetch keys from the host device, so that the pre-fetched keys are received prior to or concurrently with the application or protocol information. In the event that the pre-fetch fails to provide the keys needed for the application or protocol of the ICC, the reader device can make a specific request for the exact keys needed for the application or protocol.
H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
H04L 29/06 - Communication control; Communication processing characterised by a protocol
84.
POINT OF SALE SYSTEM WITH SECURE AND UNSECURE MODES
A point of sale system has a display for receiving touch inputs, a controller to receive the touch inputs from the display, and a secure controller to receive touch input data from the controller. The system also has a card interface module and a contactless interface module to provide encrypted data to the secure controller. The secure controller can operate in either a secure mode or a non-secure mode. When a non¬ secure mode is engaged, the secure controller provides the touch input data to a processor. When a secure mode is engaged, the secure controller blocks at least a portion of the touch input data from the processor.
Disclosed is a technology for password-free account authentication. The technology includes utilizing a mobile device running an application ("App") associated with a payment service (PS) system. Using the App, a user can enter an addressable handle, which is transmitted to the PS system. The PS system identifies an account state, based on the receipt of the addressable handle, for example, whether the addressable handle corresponds to a user's system account and device. A first authentication factor is based on the knowledge that the user is in possession of and has access to a device that corresponds to the user and the addressable handle. The PS system pushes a notification to the corresponding device, based on the account state, prompting entry of a security code. Receipt of a security code that corresponds to a payment card linked to the user's system account serves as a second authentication factor.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
In some examples, a service provider may provide a payroll service in which an employer is able to obtain employee information from the payroll service for adding a new employee. For instance, the employee may be able to add or change employee information in an employee profile maintained by the service provider. When the employee is hired by a new employer, the new employer may receive the employee information from the employee profile for adding the employee to the new employer's payroll. For example, the employee may provide an employee authorization to authorize the service provider to add the employee information to the payroll information for the new employer. Accordingly, each employer may add the employee to the payroll of the employer without having to manually obtain and enter detailed employee information.
Disclosed is a rechargeable payment card that can harvest charging energy from card readers. The rechargeable payment card includes a card body and electrical circuitry, a rechargeable energy storage device and a reader interface. The electrical circuitry and the rechargeable energy storage device are attached to the card body. At least a portion of the electrical circuitry needs power to operate when the card is not coupled to an external electrical energy source. The rechargeable energy storage device supplies power to said at least a portion of the electrical circuitry. The reader interface can draw an electrical current from a card reader when the card is coupled to the card reader via the reader interface. At least a portion of the drawn electrical current is used to charge the rechargeable energy storage device.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for computing distance between devices. In one aspect, a method includes the actions of determining an approximate distance between a merchant computer and a customer device based on a strength of a wireless signal associated with data transmitted and received between the merchant device and customer device. The actions further include validating the approximate distance based on signals from a plurality of motion sensors of the customer device to generate a validated distance. The actions further include generating a list with the one or more customers ranked in the list based on the validated distance. The actions further include presenting, on the merchant device, the list of the one or more customers.
In some examples, a merchant device may control access to features based on an orientation of a display. For instance, the merchant device may present a first user interface (UI) for enabling a merchant to enter transaction information. Subsequently, the merchant device may present a second UI to enable the buyer to interact toward completion of the transaction, and the merchant may change the orientation of the display to face the buyer. While the display is oriented in the buyer direction, access to the merchant UI is prevented, thereby preventing initiation of a new transaction, cancelation of transaction, etc. When the display is returned to the first orientation, i.e., facing the merchant, the merchant device may enable certain UI features such as for initiating a new transaction, canceling a transaction, or perform other functions that a buyer may have been restricted from performing.
G06F 3/00 - Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
Aspects of the subject disclosure provide a reader device for managing operation of an automatic gain control (AGC) sub-circuit on a host device computing device. In some implementations, a reader device of the subject technology can include a controller, a noise generator, noise coupling circuitry, and a 3.5mm audio plug including an audio bus that is configured for insertion into a headphone port of a host device, such as a smart phone or tablet computer. Upon connection of the reader device to the host computing device, the reader device can provide an intentional noise signal to the host device via a signal path where the intentional noise signal is configured to establish a substantially stable gain amount at the AGC sub-circuit.
Techniques and arrangements for detecting potentially fraudulent transactions made on a point-of-sale (POS) device. In some instances, the POS device may upload a batch of authorization requests corresponding to transactions made on the POS device while the POS device was in an offline mode. A payment service may receive this batch and, as opposed to processing the entire batch, may select a subset for processing. After selecting the subset, the payment service may attempt to authorize payment instruments associated with each transaction of the subset. The payment service may then compare an amount of declined payment instruments to a threshold. If the amount is greater than the threshold, then the payment service may flag the subset and/or the batch as fraudulent and may refrain from processing further transactions of the batch.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
Disclosed are system and methods for purchasing items on a website or a mobile application using a single verification action. The disclosed technique allows a user to initiate a purchase transaction with a merchant via a mobile application on a mobile device and select a mobile payment application associated with a payment service system as a payment method. The mobile application then passes at least a transaction amount and a merchant identifier to the mobile payment application to handover processing of the purchase transaction to the mobile payment application. The mobile payment application, based on preference settings, if any, and otherwise default settings, determines whether to request a confirmation from the user to proceed with the purchase transaction. Once a decision to proceed with the purchase transaction is made, the mobile payment application sends a request to the payment service system to complete the purchase transaction by paying the merchant.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
93.
TRANSACTION INFORMATION COLLECTION FOR MOBILE PAYMENT EXPERIENCE
Disclosed is a technology for collecting transaction information for interactive payment experience. According to one embodiment, a payment service system receives transaction information from a card payment network. Using the received transaction information, the payment service system can determine a digital transaction receipt that is designed to interact with the consumer. A mobile device of the consumer receives and presents the digital transaction receipt. The interactive interface of the digital transaction receipt enables the consumer to interact with the receipt in various ways, such as specifying tip amount, entering feedback, confirming the transaction, etc.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
94.
ESTABLISHMENT OF A SECURE SESSION BETWEEN A CARD READER AND A MOBILE DEVICE
Disclosed is a technique for establishing a secure communication session between a mobile device and a card reader. The technique can involve using a trusted, remote validation server to validate security information of both the card reader and a POS module in the mobile device prior to, and as a precondition of, the card reader and the POS module establishing a secure communication session with each other. In certain embodiments the POS module sends the security information of both the card reader and the POS module to the validation server. The security information can include cryptographic keys of the POS module and the card reader and additional security information related to the POS module and its software environment.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Techniques are disclosed for enabling more efficient tipping by providing a merchant the ability to reduce the time used on manually entering tip amounts. In one embodiment, a method includes automatically generating, by a point-of-sale (POS) system, a transaction receipt that indicates a plurality of selectable tip options, wherein said automatically generating the transaction receipt is based on one or more rules specified by a user of the POS system. The method further includes causing the transaction receipt to be printed as a printed receipt. The method further includes identifying, by the POS system, a one of the plurality of selectable tip options specified by a customer on the printed receipt. Among other benefits, the disclosed techniques reduce the time and effort the merchant needs to spend on collating the tipping at end of the business day.
A method of encrypting a passcode is disclosed. In one embodiment, the method includes: receiving an indication of a portion of the passcode; calculating a plaintext value based at least in part on the indication, wherein the plaintext value represents an encoded portion of the passcode; encrypting the plaintext value into ciphertext using a homomorphic encryption system; and updating a cumulative encryption string by executing a cumulative operation to aggregate the ciphertext corresponding to the encoded portion into the cumulative encryption string computed for a previous portion of the passcode, wherein the cumulative operation is dictated by a homomorphic property of the homomorphic encryption system.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Disclosed herein is a technology for automatically triggering delivery of a digital receipt for a financial transaction based on a previously stored electronic address for receiving digital receipts. In at least some embodiments, the technology includes a digital receipt system working in coordination with one or more merchants' POS device to deliver receipts for current transactions based on a previously stored electronic address from past transactions. The first time a user utilizes a payment card in a transaction, the system associates and stores a user-provided electronic address with the card. The next time the user utilizes the card in a new transaction, the system identifies the card has been used in a past transaction, determines the electronic address associated with the card, and automatically triggers receipt delivery to the electronic address, regardless of the new transaction being with a same or different merchant than the one in the past transaction.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Disclosed are method and apparatus that enable a cardless payment transaction to be executed from a merchant point-of-sale (POS) system. A user is enabled to check in at a merchant by using a mobile device of the user and then to pay by simply appearing at the merchant and mentioning his name. By emulating card read events and intercepting receipt printer outputs, the technique cleanly integrates into a conventional merchant POS system, without the need for customized software or hardware to accommodate individual POS vendor-proprietary application programming interfaces (APIs).
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
99.
BIDIRECTIONAL AUDIO COMMUNICATION IN READER DEVICES
Aspects of the subject disclosure provide a card reader for receiving payment card information at a mobile point-of-sale terminal. In some implementations, a reader of the subject technology can include a memory, a conditioning module and a 3.5mm audio plug including an audio bus that is configured for insertion into a headphone port of a host device, such as a smart phone or tablet computer. Implementations of the subject technology also include a microprocessor configured to perform operations for receiving a training sequence for use in determining communication parameters associated with a mobile device, and in response to the training sequence, transmitting an acknowledgement signal to the mobile device, via the audio bus, to indicate that a communicative coupling with the mobile device has been successfully established.
Aspects of the subject disclosure provide a card reader for receiving payment card information at a mobile point-of-sale terminal. In some implementations, a reader of the subject technology can include a memory, a conditioning module and a 3.5mm audio plug including an audio bus that is configured for insertion into a headphone port of a host device, such as a smart phone or tablet computer. Implementations of the subject technology also include a microprocessor configured to perform operations for determining whether a newer firmware version is available for the card reader or whether a download of such a firmware needs to be completed, and in response to determining such a download is needed, performing a download of the firmware via the audio plug during periods of inactivity.
