Portable handheld device for wireless order entry and real time payment authorization and related methods

• US 10,579,978 B2
• Filed: 07/01/2013
• Issued: 03/03/2020
• Est. Priority Date: 04/21/2005
• Status: Active Grant

• Current Assignee: First NOVO, LLC
• Original Assignee: SecuredPay Solutions, Inc.
• Inventors: Johnson, John M., Nelson, Roy T., Faircloth, Christopher D., Larsen, Lance
• Primary Examiner(s): Nigh, James D
• Assistant Examiner(s): Neubig, Margaret M
• Application Number:
  US13/932,768
• Publication Number:
  US 20130290192A1
• Time in Patent Office: 2,437 Days
• Field of Search: 705 50- 79
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping 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 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: 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 credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 50/12 Hotels or restaurants
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.

Claims

1. A restaurant device comprising:

a housing;

a touch screen display carried by said housing;

a transaction card input device carried by said housing for reading a credit card or a debit card;

at least one wireless transceiver carried by said housing; and

a processor and associated memory carried by said housing, said processor configured to

perform restaurant order entry in cooperation with said touch screen display and said at least one wireless transceiver,

receive user sensitive information read from the credit card or debit card by the transaction card input device,

store in said memory the user sensitive transaction information and generate encrypted user sensitive transaction information based upon the stored user sensitive transaction information,

wirelessly send the encrypted user sensitive transaction information via said at least one wireless transceiver directly to an issuing bank of the credit card or debit card through an online real time payment gateway using a real time authorization process so that the at least one POS sale transaction is settled in real time,

wirelessly receive authorization information via said at least one wireless transceiver based upon real time authorization related to the user sensitive transaction information, and

erase the user sensitive transaction information from said memory so that no user sensitive transaction information is stored in said memory between successive order entries.

2. The restaurant device according to claim 1 wherein said memory is configured to store restaurant menu data.

3. The restaurant device according to claim 1 wherein said transaction card input device comprises a magnetic stripe card reader.

4. The restaurant device according to claim 3 wherein the user sensitive transaction information comprises magnetic stripe information.

5. The restaurant device according to claim 1 wherein said transaction card input device is carried on an exterior surface of said housing.

6. The restaurant device according to claim 1 wherein said processor is also configured to cooperate with said touch screen display to perform signature capture.

7. The restaurant device according to claim 1 wherein said processor is also configured to generate an output related to the received authorization information via said touch screen display.

8. The restaurant device according to claim 1 wherein said processor is also configured to wirelessly send Personal Identification Number (PIN) information via said at least one wireless transceiver.

9. The restaurant device according to claim 8 wherein said processor is also configured to wirelessly send the PIN information without displaying the user sensitive transaction information and the PIN information on said touch screen display.

10. The restaurant device according to claim 1 wherein said processor is also configured to wirelessly send debit Personal Identification Number (PIN) information via said at least one wireless transceiver.

11. The restaurant device according to claim 1 wherein said at least one wireless transceiver comprises a wireless local area network (WLAN) transceiver.

12. The restaurant device according to claim 1 wherein said at least one wireless transceiver comprises a cellular telephone transceiver.

13. The restaurant device according to claim 1 wherein said at least one wireless transceiver comprises a Bluetooth transceiver.

14. The restaurant device according to claim 1 wherein said memory is configured to store a private key for the encryption.

15. The restaurant device according to claim 14 further comprising at least one tamper resistant structure associated with said volatile memory.

16. The restaurant device according to claim 1 wherein said processor is further configured to send and receive the user sensitive transaction information via a Secure Sockets Layer (SSL) protocol.

17. The restaurant device according to claim 1 wherein the user sensitive transaction information comprises user account number information.

18. The restaurant device according to claim 1 wherein the user sensitive transaction information comprises Personal Identification Number (PIN) information.