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

• US 10,592,881 B2
• Filed: 02/21/2014
• Issued: 03/17/2020
• 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
• Application Number:
  US14/186,547
• Publication Number:
  US 20140172598A1
• Time in Patent Office: 2,216 Days
• Field of Search: 705 64
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 20/322 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 20/326 Payment applications installed on the mobile 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 point-of-sale (POS) device comprising:

a portable housing;

a touch screen display carried by said portable housing;

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

at least one wireless transceiver carried by said portable housing; and

a processor and associated memory carried by said portable housing, said processor for

performing at least one POS sale transaction in cooperation with said touch screen display and said at least one wireless transceiver,

storing in said memory user sensitive information upon entry from said transaction card input device and generating encrypted user sensitive information based upon the stored user sensitive information,

wirelessly sending the encrypted user sensitive 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 receiving POS sale transaction authorization information via said at least one wireless transceiver based upon real time POS authorization related to the user sensitive information, and

erasing the user sensitive information from said memory so that no user sensitive information is stored in said memory between successive POS sale transactions.

2. The POS device according to claim 1 wherein the at least one POS sale transaction comprises order entry.

3. The POS device according to claim 1 further comprising a connector carried on an exterior surface of said portable housing;

and wherein said transaction card input device is removably coupled to said connector.

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

5. The POS device according to claim 4 wherein the user sensitive information comprises magnetic stripe information.

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

7. The POS device according to claim 1 wherein said processor is also for generating an output related to the received POS sale transaction authorization information via said touch screen display.

8. The POS device according to claim 1 wherein said processor is also for cooperating with said touch screen display for signature capture.

9. The POS device according to claim 1 wherein said processor is also for wirelessly sending Personal Identification Number (PIN) information via said at least one wireless transceiver.

10. The POS device according to claim 9 wherein said processor is also for wirelessly sending the PIN information without displaying the user sensitive information and the PIN information on said touch screen display.

11. The POS device according to claim 1 wherein said processor is also for wirelessly sending debit Personal Identification Number (PIN) information via said at least one wireless transceiver.

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

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

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

15. The POS device according to claim 1 wherein said memory also stores a private key for the encryption.

16. The POS device according to claim 15 further comprising at least one tamper resistant structure associated with said memory.

17. The POS device according to claim 1 wherein said processor is also for sending and receiving information via a Secure Sockets Layer (SSL) protocol.

18. The POS device according to claim 1 wherein the user sensitive information comprises user account number information.

19. The POS device according to claim 1 wherein the user sensitive information comprises Personal Identification Number (PIN) information.

20. The POS device according to claim 1 wherein the user sensitive information comprises at least one of credit card and debit card information.

21. A point-of-sale (POS) device comprising:

a portable housing;

a touch screen display carried by said portable housing;

a connector carried by an exterior of said portable housing;

a transaction card input device removably coupled to said connector for reading a credit card or a debit card;

at least one wireless transceiver carried by said portable housing; and

a processor and associated memory carried by said portable housing, said processor for

performing POS sale transaction order entry in cooperation with said touch screen display and said at least one wireless transceiver,

storing in said memory user sensitive information upon entry from said transaction card input device and generating encrypted user sensitive information based upon the stored user sensitive information,

wirelessly sending the encrypted user sensitive 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 receiving POS sale transaction authorization information via said at least one wireless transceiver based upon real time POS authorization related to the user sensitive information,

generating an output related to the received POS sale transaction authorization information via said touch screen display, and

erasing the user sensitive information from said memory so that no user sensitive information is stored in said memory between successive POS sale transactions.

22. The POS device according to claim 21 wherein said transaction card input device comprises a magnetic stripe card reader.

23. The POS device according to claim 22 wherein the user sensitive information comprises magnetic stripe information.

24. The POS device according to claim 21 wherein said processor is also for cooperating with said touch screen display for signature capture.

25. The POS device according to claim 21 wherein said processor is also for wirelessly sending Personal Identification Number (PIN) information via said at least one wireless transceiver.

26. The POS device according to claim 25 wherein said processor is also for wirelessly sending the PIN information without displaying the user sensitive information and the PIN information on said touch screen display.

27. The POS device according to claim 21 wherein said at least one wireless transceiver comprises at least one of a wireless local area network (WLAN) transceiver, cellular telephone transceiver, and Bluetooth transceiver.

28. The POS device according to claim 21 wherein said processor is also for cooperating with said at least one wireless transceiver device to use encryption.

29. The POS device according to claim 21 wherein said processor is also for sending and receiving information via a Secure Sockets Layer (SSL) protocol.

30. The POS device according to claim 21 wherein the user sensitive information comprises user account number information.

31. The POS device according to claim 21 wherein the user sensitive information comprises Personal Identification Number (PIN) information.

32. The POS device according to claim 21 wherein the user sensitive information comprises at least one of credit card and debit card information.

33. A point-of-sale (POS) device comprising:

a portable housing;

a touch screen display carried by said portable housing;

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

at least one wireless transceiver carried by said portable housing and comprising at least one of a wireless local area network (WLAN) transceiver, cellular telephone transceiver, and Bluetooth transceiver; and

a processor and associated memory carried by said portable housing, said processor for

performing at least one POS sale transaction in cooperation with said touch screen display and said at least one wireless transceiver,

storing in said memory user sensitive information upon entry from said transaction card input device and generating encrypted user sensitive information based upon the stored user sensitive information,

wirelessly sending the encrypted user sensitive 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 receiving POS sale transaction authorization information via said at least one wireless transceiver based upon real time POS authorization related to the user sensitive information, and

erasing the user sensitive information from said memory so that no user sensitive information is stored in said memory between successive POS sale transactions.

34. The POS device according to claim 33 wherein the at least one POS sale transaction comprises order entry.

35. The POS device according to claim 33 wherein said transaction card input device comprises a magnetic stripe card reader.

36. The POS device according to claim 35 wherein the user sensitive information comprises magnetic stripe information.

37. The POS device according to claim 33 wherein said processor is also for cooperating with said touch screen display for signature capture.

38. The POS device according to claim 33 wherein said processor is also for generating an output related to the received POS sale transaction authorization information via said touch screen display.

39. The POS device according to claim 33 wherein said processor is also for wirelessly sending Personal Identification Number (PIN) information via said at least one wireless transceiver.

40. The POS device according to claim 33 wherein said memory also stores a private key for the encryption.

41. The POS device according to claim 33 wherein said processor is also for sending and receiving information via a Secure Sockets Layer (SSL) protocol.

42. The POS device according to claim 33 wherein the user sensitive information comprises user account number information.

43. The POS device according to claim 33 wherein the user sensitive information comprises Personal Identification Number (PIN) information.

44. The POS device according to claim 33 wherein the user sensitive information comprises at least one of credit card and debit card information.

45. A method of operating a point-of-sale (POS) device comprising a portable housing, a touch screen display carried by the portable housing, a transaction card input device carried by the portable housing for reading a credit card or a debit card, a memory carried by the portable housing and at least one wireless transceiver carried by the portable housing, the method comprising:

performing at least one POS sale transaction with the touch screen display and the at least one wireless transceiver;

storing in the memory user sensitive information upon entry from the transaction card input device and generating encrypted user sensitive information based upon the stored user sensitive information;

wirelessly sending the encrypted user sensitive information via the 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 receiving POS sale transaction authorization information via the at least one wireless transceiver based upon real time POS authorization related to the user sensitive information; and

erasing the user sensitive information from the memory so that no user sensitive information is stored in the memory between successive POS sale transactions.

46. The method according to claim 45 wherein the at least one POS sale transaction comprises order entry.

47. The method according to claim 45 wherein the transaction card input device comprises a magnetic stripe card reader.

48. The method according to claim 47 wherein the user sensitive information comprises magnetic stripe information.

49. The method according to claim 45 further comprising performing signature capture with the touch screen display.

50. The method according to claim 45 further comprising generating an output related to the received authorization information via the touch screen display.

51. The method according to claim 45 further comprising storing in the memory and encrypting Personal Identification Number (PIN) information.

52. The method according to claim 51 further comprising wirelessly sending the encrypted PIN information along with the encrypted user sensitive information and without displaying the user sensitive information and the PIN information on the touch screen display.

53. The method according to claim 51 wherein the PIN information comprises debit PIN information.

54. The method according to claim 45 wherein the at least one wireless transceiver comprises at least one of a wireless local area network (WLAN) transceiver, a cellular telephone transceiver, and a wireless Bluetooth transceiver.

55. The method according to claim 45 further comprising using encryption with the user sensitive data.

56. The method according to claim 45 further comprising sending and receiving information via a Secure Sockets Layer (SSL) protocol.

57. The method according to claim 45 wherein the user sensitive information comprises user account number information.

58. The method according to claim 45 wherein the user sensitive information comprises Personal Identification Number (PIN) information.

59. The method according to claim 45 wherein the user sensitive information comprises at least one of credit card and debit card information.