POINT OF SALE PAYMENT SYSTEM

• US 20120246018A1
• Filed: 03/30/2012
• Published: 09/27/2012
• Est. Priority Date: 01/21/2011
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Sathe, Nikhil S., Aoki, Norihiro Edwin
• Granted Patent: US 9,275,384 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06F 16/955 using information identifiers, e.g. uniform resource locators [URL]
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 40/166 Editing, e.g. inserting or deleting
• CPC Class Codes: G06K 19/06037 multi-dimensional coding
• CPC Class Codes: G06Q 10/02 Reservations, e.g. for tickets, services or events
• CPC Class Codes: G06Q 10/0631 Resource planning, allocation, distributing or scheduling for enterprises or organisations
• CPC Class Codes: G06Q 10/063116 Schedule adjustment for a person or group
• CPC Class Codes: G06Q 10/08 Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• 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 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G07B 15/02 taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00
• CPC Class Codes: G07F 17/24 for parking meters
• CPC Class Codes: G07F 17/246 provided with vehicle proximity-detectors detecting hidden masses, e.g. metal detectors, G01V, e.g. G01V3/00; proximity switches per se H03K17/00; traffic control systems G08G1/00

Abstract

A method for point of sale payments includes receiving, from a seller device over a network, payment information. The payment information is associated with payment code information in a database. The payment code information is then sent to the seller device over the network for posting at a service location. The payment code information is then captured by a payer device at the service location and transmitted over the network. The payment information is then retrieved from the database using the associated payment code information. The payment information is then sent to the payer device over the network. A payment confirmation is received from the payer device over the network and, in response, a payment from a payer account to a seller account is initiated and the payment information and an indication of the payment confirmation is sent to the seller device over the network.

Claims

1. A system for point of sale payments, comprising:

a memory storing account information for at least one seller, wherein the account information comprises payment information for the at least one seller; and

a processor coupled to the memory and operable to;

receive, from a payer device over a network, payment code information;

retrieve the payment information that is associated with the payment code information in the memory;

send, to the payer device over the network, the payment information; and

receive, from the payer device over the network, a payment confirmation and, in response, initiating a payment from a payer account to a seller account and sending the payment information and an indication of the payment confirmation to the seller device over the network.

2. The system of claim 1, wherein the payment information is associated with a service location and the payment code information is operable to be provided for capture by the payer at the service location.

3. The system of claim 1, wherein the payment information is operable to be displayed as a graphic representation of a service location including a payment location that is in the service location and associated with the payment.

4. The system of claim 1, wherein the processor is further operable to:

determine a payment time; and

calculate the payment using the payment time.

5. The system of claim 1, wherein the processor is further operable to:

receive the payment code information from a secondary payer;

determine that the payment code information is associated with the payment initiated from the payer; and

send a declined payment indicator to the secondary payer.

6. The system of claim 3, wherein the processor is further operable to:

receive a selection by the seller of a payment location from the payment information; and

provide to the seller at least one of a payment time and a payment destination in association with the payment location.

15. The method of claim 1, wherein the payment information is associated with a service location and the payment code information is operable to be provided for capture by the payer device at the service location and transmission by the payer device over the network.

16. The method of claim 15, wherein the payment code information is operable to be provided for capture by a camera on the payer device.

7. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:

receiving, from a payer device over a network, payment code information;

retrieving, from the database, payment information that is associated with the payment code information;

sending, to the payer device over the network, the payment information; and

receiving, from the payer device over the network, a payment confirmation and, in response, initiating a payment from a payer account to a seller account and sending the payment information and an indication of the payment confirmation to the seller device over the network.

8. The non-transitory machine-readable medium of claim 7, wherein the payment information is associated with a service location and the payment code information is operable to be provided for capture by the payer device at the service location and transmission by the payer device over the network.

9. The non-transitory machine-readable medium of claim 8, wherein the payment code information is operable to be provided for capture by a camera on the payer device.

10. The non-transitory machine-readable medium of claim 7, wherein the payment information is operable to be displayed on the seller device as a graphic representation of a service location including a payment location that is in the service location and associated with the payment.

11. The non-transitory machine-readable medium of claim 7, the method further comprises:

determining a payment time; and

calculating the payment using the payment time.

12. The non-transitory machine-readable medium of claim 7, wherein the payment information includes a payment location and the method further comprises:

receiving, from a secondary payer device over the network, the payment code information;

determining that the payment code information is associated with the payment initiated from the payer account to the seller account; and

sending, to the secondary payer device over the network, a declined payment indicator.

13. The non-transitory machine-readable medium of claim 7, wherein the method further comprises:

receiving, from the seller device over the network, a selection of a payment location from the payment information; and

providing, to the seller device over the network, at least one of a payment time and a payment destination for display on the seller device in association with the payment location.

14. A method for point of sale payments, comprising:

receiving, from a payer device over a network, payment code information;

retrieving, from the database, payment information that is associated with the payment code information;

sending, to the payer device over the network, the payment information; and

receiving, from the payer device over the network, a payment confirmation and, in response, initiating a payment from a payer account to a seller account and sending the payment information and an indication of the payment confirmation to the seller device over the network.

17. The method of claim 14, wherein the payment information is operable to be displayed on the seller device as a graphic representation of a service location including a payment location that is in the service location and associated with the payment.

18. The method of claim 14, further comprising:

determining a payment time; and

calculating the payment using the payment time.

19. The method of claim 14, wherein the payment information includes a payment location and the method further comprises:

receiving, from a secondary payer device over the network, the payment code information;

determining that the payment code information is associated with the payment initiated from the payer account to the seller account; and

sending, to the secondary payer device over the network, a declined payment indicator.

20. The method of claim 14, further comprising:

receiving, from the seller device over the network, a selection of a payment location from the payment information; and

providing, to the seller device over the network, at least one of a payment time and a payment destination for display on the seller device in association with the payment location.