Simulating NFC experience

• US 10,482,440 B1
• Filed: 09/18/2015
• Issued: 11/19/2019
• Est. Priority Date: 09/18/2015
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: White, Michael Wells, Wilson, Mathew
• Primary Examiner(s): Wilder, A. Hunter
• Application Number:
  US14/859,034
• Time in Patent Office: 1,523 Days
• Field of Search: 705 64
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G07F 7/0873 Details of the card reader
• CPC Class Codes: G07G 1/0009 Details of the software in the checkout register, electronic cash register [ECR] or point of sale terminal [POS]
• CPC Class Codes: G07G 1/0081 the reader being a portable scanner or data reader G07G1/009 takes precedence
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00

Abstract

A mobile point-of-sale (POS) terminal for processing a financial transaction between a buyer and a merchant includes a first mobile computing device running a register application configured to receive payment information from the buyer for facilitating a transfer of funds from the buyer to the merchant, and a payment object reader coupled with the first mobile computing device. The payment object reader includes a wireless communication interface, a processor configured to determine the proximity of the second mobile computing device using signal strength of a signal received via the wireless communication interface. In response to the proximity of the second mobile computing device crossing a threshold, the payment object reader transmits a request to the second mobile computing device to connect with the first mobile computing device. The first mobile computing device and the second mobile computing device may then communicate payment and/or transaction information to complete a POS transaction.

Claims

1. A point-of-sale (POS) terminal for processing a financial transaction between a buyer and a merchant, the POS terminal comprising:

a register application running on a first computing device operated by the merchant; and

a payment object reader coupled with the first computing device, wherein the payment object reader comprises (i) a first communication interface configured to facilitate the transmission of buyer information directly from a payment object via a payment wireless channel and (ii) a second communication interface configured to facilitate communication with the first computing device via a communication wireless channel, the communication wireless channel using a different wireless communication protocol than the payment wireless channel, wherein the payment object reader is configured to use the first communication interface, and wherein the payment object reader further comprises a processor configured to;

(a) determine proximity of a second computing device operated by the buyer, the determination being made using signal strength of a signal received via the communication wireless channel;

(b) determine, based on information about the second computing device, that communication with the second computing device should not be performed via the payment wireless channel;

(c) configure the payment object reader, in accordance with the determination that communication should not be performed via the payment wireless channel, to switch from use of the first communication interface to use of the second communication interface; and

(d) in response to the proximity of the second computing device crossing a threshold,

(1) establish a communication session with the second computing device via the second communication interface, and

(2) transmit a request, via the second communication interface, for transmission of payment information associated with the buyer;

wherein the register application running on the first computing device is configured to process data from the second computing device to determine transaction information associated with the buyer to facilitate a transfer of funds from the buyer to the merchant.

2. The POS terminal of claim 1, wherein to determine the proximity between the payment object reader and the second computing device, the processor is further configured to:

receive, by the payment object reader, a transmission strength for the signal received via the communication wireless channel; and

calculate the proximity between the payment object reader and the second computing device, by using the transmission strength and the strength of the signal received via the communication wireless channel.

3. A point-of-sale (POS) terminal for processing a financial transaction between a buyer and a merchant, the POS terminal comprising:

a register application running on a first computing device operated by the merchant, wherein the register application is configured to receive payment information from the buyer for facilitating a transfer of funds from the buyer to the merchant; and

a payment object reader coupled with the first computing device, wherein (a) the payment object reader comprises (i) a first communication interface configured to facilitate the transmission of buyer information directly from a payment object via a payment wireless channel and (ii) a second communication interface configured to facilitate communication with the first computing device via a communication wireless channel, the communication wireless channel using a different wireless communication protocol than the payment wireless channel, wherein the payment object reader is configured to use the first communication interface, and (b) wherein the payment object reader comprises a processor configured to;

(a) determine, based on information about a second computing device, that communication with the second computing device should not be performed via the payment wireless channel;

(b) configure the payment object reader, in accordance with the determination that communication should not be performed via the payment wireless channel, to switch from use of the first communication interface to use of the second communication interface;

(c) determine proximity of the second computing device using signal strength of a signal received via the communication wireless channel; and

(d) in response to the proximity of the second computing device crossing a threshold, transmit a request, via the second communication interface, to the second computing device to connect with the first computing device for transmission of payment information associated with the buyer; and

wherein the register application running on the first computing device is configured to

(1) process data from the second computing device to determine financial information associated with the buyer to facilitate the transfer of funds from the buyer to the merchant, and

(2) transmit a signal to the payment object reader to disable a near field communication (NFC) capability on the payment object reader in accordance with the determination, by the payment object reader, that communication should not be performed via the payment wireless channel; and

(3) establish the wireless communication session with the second computing device in response to receiving a user input from the merchant to initiate the financial transaction.

4. A method for processing a financial transaction between a buyer and a merchant on a point-of-sale (POS) terminal, the method comprising:

determining, by a payment object reader comprising (i) a first communication interface configured to facilitate the transmission of buyer information directly from a payment object via a payment wireless channel and (ii) a second communication interface configured to facilitate communication with a first computing device via a communication wireless channel, a proximity between the payment object reader and a second computing device based on wireless signal strength of a wireless signal conveyed via the communication wireless channel, wherein the communication wireless channel uses a different wireless communication protocol than the payment wireless channel, and wherein the payment object reader is configured to use the first communication interface;

determining, by the payment object reader, based on information about the second computing device, that communication with the second computing device should not be performed via the payment wireless channel;

switching, by the payment object reader, in accordance with the determination that communication should not be performed via the payment wireless channel, configuration of the payment object reader from use of the first communication interface to use of the second communication interface;

in response to a determination that the proximity has exceeded a threshold, sending, by the payment object reader to a first computing device via the second communication interface, instructions to initiate a wireless communication, via the communication wireless channel, between the first computing device and the second computing device, the first computing device running a register application, wherein the register application is configured to receive payment data from the second computing device for facilitating a transfer of funds from the buyer to the merchant;

receiving, by the first computing device, payment information from the second computing device via the wireless communication; and

transmitting the payment data received from the second computing device, using the register application, to a payment processing system to facilitate the transfer of funds from the buyer to the merchant.

5. The method of claim 4, wherein determining the proximity between the payment object reader and the second computing device includes monitoring, using the payment object reader, the wireless signal transmitted by the second computing device, and

wherein the wireless signal includes a signal transmission power and information identifying the second computing device.

6. The method of claim 5, further comprising:

receiving, by the first computing device, the information identifying the second computing device, wherein the first computing device initiates the wireless communication between the first computing device and the second computing device based on the information identifying the second computing device.

7. The method of claim 4, wherein receiving, by the first computing device, payment information from the second computing device via the wireless communication includes (a) receiving, by the payment object reader, the payment information from the second computing device and (b) transmitting, by the payment object reader, the payment information to the first computing device.

8. The method of claim 4, wherein receiving, by the first computing device, payment information from the second computing device via the wireless communication includes receiving, by the first computing device, the payment information from the second computing device via a wireless network.

9. The method of claim 4, wherein determining the proximity between the payment object reader and the second computing device includes (a) monitoring, by the payment object reader, the wireless signal and (b) transmitting, by the payment object reader, to the second computing device, information identifying the first computing device;

and

wherein initiating the wireless communication between the first and second computing devices includes receiving, by the first computing device, from the second computing device, a request to initiate the wireless connection between the first and second computing devices.

10. The method of claim 4, further comprising initiating a wireless communication between the first computing device and the second computing device, wherein the initiating includes initiating a first communication channel between the first and second computing devices;

and

wherein determining the proximity between the payment object reader and the second computing device based on the wireless signal strength of the wireless signal includes (a) initiating a second communication channel between the payment object reader and the second computing device, (b) measuring, by the payment object reader, the signal strength of the wireless signal used for the second communication channel, and (c) transmitting the measured signal strength from the payment object reader to the second computing device.

11. The method of claim 4, wherein the first communication interface facilitates a near field communication (NFC) capability on the payment object reader.

12. The method of claim 4, wherein the wireless signal is a Bluetooth signal.

13. A method for processing a financial transaction between a buyer and a merchant on a point-of-sale (POS) terminal, the method comprising:

determining, by a payment object reader comprising (i) a first communication interface configured to facilitate the transmission of buyer information directly from a payment object via a payment wireless channel and (ii) a second communication interface configured to facilitate communication with a first computing device via a communication wireless channel, a proximity between the payment object reader and a second computing device based on wireless signal strength of a wireless signal conveyed via the communication wireless channel, wherein the communication wireless channel uses a different wireless communication protocol than the payment wireless channel, and wherein the payment object reader is configured to use the first communication interface;

determining, by the payment object reader, based on information about the second computing device, that communication with the second computing device should not be performed via the payment wireless channel;

transmitting, by the first computing device, in response to (i) the determination that communication should not be performed via the payment wireless channel and (ii) a user input from the merchant to initiate the financial transaction, a signal to the payment object reader to (a) disable a near field communication (NFC) capability on the payment object reader and (b) monitor the communication wireless channel for the wireless signal transmitted by the second computing device;

switching, by the payment object reader, configuration of the payment object reader from use of the first communication interface to use of the second communication interface;

in response to a determination that the proximity has exceeded a threshold, sending, by the payment object reader to a first computing device via the second communication interface, instructions to initiate a wireless communication between the first computing device and the second computing device, the first computing device running a register application, wherein the register application is configured to receive payment data from the second computing device for facilitating a transfer of funds from the buyer to the merchant;

receiving, by the first computing device, payment information from the second computing device via the wireless communication; and

transmitting the payment data received from the second computing device, using the register application, to a payment processing system to facilitate the transfer of funds from the buyer to the merchant.

14. A point-of-sale (POS) terminal for processing a financial transaction between a buyer and a merchant, the POS terminal comprising:

a register application running on a first computing device operated by the merchant, wherein the register application is configured to receive payment data from a second computing device via a wireless communication and to transmit the payment data received from the second computing device to a payment processing system to facilitate a transfer of funds from the buyer to the merchant; and

a payment object reader coupleable with the first computing device, wherein the payment object reader comprises (i) a first communication interface configured to facilitate the transmission of buyer information directly from a payment object via a payment wireless channel and (ii) a second communication interface configured to facilitate communication with the first computing device via a communication wireless channel, the communication wireless channel using a different wireless communication protocol than the payment wireless channel, wherein the payment object reader is configured to use the first communication interface, and wherein the payment object reader comprises a processor being configured to;

(a) determine a wireless signal strength of a wireless signal received by the communication wireless channel from the second computing device,

(b) determine, based on information about the second computing device, that communication with the second computing device should not be performed via the payment wireless channel, and

(c) configure the payment object reader, in accordance with the determination that communication should not be performed via the payment wireless channel, to switch from use of the first communication interface to use of the second communication interface;

wherein the payment object reader in response to a determination that the wireless signal strength of the wireless signal has exceeded a threshold, is configured to (1) establish a communication session with the second computing device via the second communication interface and to (2) in conjunction with the second computing device, initiate the wireless communication between the first computing device and the second computing device.

15. The POS terminal of claim 14 further comprising:

determining a proximity between the payment object reader and the second computing device by monitoring the wireless signal strength, wherein the wireless signal is transmitted by the second computing device and includes a signal transmission power and information identifying the second computing device.

16. The POS terminal of claim 15, wherein initiating the wireless communication between the first and second computing devices includes (a) receiving, by the first computing device, the information identifying the second computing device and (b) initiating, by the first computing device, the wireless connection between the first and second computing devices based on the identifying information.

17. The POS terminal of claim 14, wherein receiving payment information from the second computing device via the wireless communication includes (a) receiving, by the payment object reader, the payment information from the second computing device and (b) relaying the payment information to the first computing device.

18. The POS terminal of claim 14, wherein receiving payment information from the second computing device via the wireless communication includes receiving, by the first computing device, the payment information from the second computing device via a wireless network.

19. The POS terminal of claim 14, wherein determining the proximity between the payment object reader and the second computing device includes (a) monitoring, by the payment object reader, the wireless signal and (b) transmitting, by the payment object reader, information identifying the first computing device to the second computing device;

and

wherein initiating the wireless communication between the first and second computing devices includes receiving, by the first computing device, a request to initiate the wireless connection between the first and second computing devices from the second mobile computing device.

20. The POS terminal of claim 14 wherein initiating a wireless communication between the first computing device and the second computing device includes initiating a first communication channel between the first and second computing devices;

and

wherein determining the proximity between the payment object reader and the second computing device based on the wireless signal strength of the wireless signal includes (a) initiating a second communication channel between the payment object reader and the second computing device, (b) measuring, by the payment object reader, the signal strength of the wireless signal used for the second communication channel, and (c) transmitting the measured signal strength from the payment object reader to the second computing device.

21. A point-of-sale (POS) terminal for processing a financial transaction between a buyer and a merchant, the POS terminal comprising:

a register application running on a first computing device operated by the merchant, wherein the register application is configured to receive payment data from a second computing device via a wireless communication and to transmit the payment data received from the second computing device to a payment processing system to facilitate a transfer of funds from the buyer to the merchant; and

a payment object reader coupleable with the first computing device, wherein (a) the payment object reader comprises (i) a first communication interface configured to facilitate the transmission of buyer information directly from a payment object via a payment wireless channel and (ii) a second communication interface configured to facilitate communication with the first computing device via a communication wireless channel, the communication wireless channel using a different wireless communication protocol than the payment wireless channel, wherein the payment object reader is configured to use the first communication interface, and (b) the payment object reader comprises a processor being configured to determine a wireless signal strength of a wireless signal received by the communication wireless channel from the second computing device;

wherein the payment object reader is configured to (a) determine, based on information about the second computing device, that communication with the second computing device should not be performed via the payment wireless channel, and (b) switch, in accordance with the determination that communication should not be performed via the payment wireless channel, from use of the first communication interface to use of the second communication interface;

wherein the payment object reader, in conjunction with the second computing device, in response to a determination that the wireless signal strength of the wireless signal has exceeded a threshold, is configured to initiate the wireless communication between the first computing device and the second computing device, and

wherein the first computing device is configured to transmit a signal to the payment object reader (a) to disable a near field communication (NFC) capability on the payment object reader and (b) to monitor a wireless communication channel for the wireless signal transmitted by the second computing device, in response to receiving a user input from the merchant to initiate the financial transaction.

22. A payment object reader comprising:

a microcontroller;

a chip card reader interface operably coupled to the microcontroller;

a card detect switch operably coupled to the chip card reader interface;

card contacts operably coupled to the chip card reader interface;

a proximity detector operably coupled to the microcontroller;

an NFC antenna;

a wireless radio interface operably coupled to the microcontroller; and

a wireless radio antenna operably coupled to the wireless radio interface,

wherein communication via the wireless radio interface uses a different wireless communication protocol than communication via the NFC antenna,

wherein the microcontroller configures the payment object reader, in a default configuration, to communicate using the NFC antenna, and

wherein, in response to the proximity detector detecting that a mobile device operated by a buyer is within a threshold range of the wireless radio antenna, the microcontroller (a) receives information about a buyer via the wireless radio antenna, (b) determines, based on the information about the buyer, that communication with the buyer should not be performed via the NFC antenna, (c) re-configures the payment object reader to switch from communication using the NFC antenna to communication using the wireless radio interface, (d) establishes a communication session with the mobile device Via the wireless radio interface, and (e) transmits, via the wireless radio interface, a request to the mobile device to connect with a computing device operated by a merchant.

23. The payment object reader of claim 22, wherein, in a case that the proximity detector detects that a payment object is within a threshold range of the wireless radio antenna, the microcontroller activates the chip card reader interface.