Payment Processing Access Device and Method

• US 20140114780A1
• Filed: 10/22/2013
• Published: 04/24/2014
• Est. Priority Date: 10/22/2012
• Status: Active Application

• Current Assignee: ModoPayments LLC
• Original Assignee: ModoPayments LLC
• Inventors: Menefee, Michael, Harvey, Gregory W., Parker, Bruce, Wilkinson, Aaron
• Application Number:
  US14/060,476
• Publication Number:
  US 20140114780A1
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• 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

Abstract

Described herein is a payment processing device for processing payment from a consumer at a merchant location using a user device, the device comprising a presence detection module configured to detect presence of the user device at the merchant location; and a checkout module configured to communicate with a backend system to verify an identity of the user device, to receive payment information from the user device, and to transmit payment information to a merchant point-of sale (POS) system.

Claims

1. A payment processing device for processing payment from a consumer at a merchant location using a user device, the device comprising:

a presence detection module configured to detect presence of the user device at the merchant location; and

a checkout module configured to communicate with a backend system to verify an identity of the user device, to receive payment information from the user device, and to transmit payment information to a merchant point-of sale (POS) system.

2. The payment processing device of claim 1 further comprising:

a receipt tap module configured to capture an electronic version of a transaction receipt related to the payment information.

3. The payment processing device of claim 1 wherein the presence detection module further comprises a Bluetooth module configured to transmit and receive signals to the user device, the signals configured to detect presence.

4. The payment processing device of claim 3, wherein the signals are further configured to transmit an offer to the user device.

5. The payment processing device of claim 1, wherein the checkout module is further configured to prevent a transaction between the user device and the payment processing device if a distance between the user device and the payment processing device is greater than a predetermined distance.

6. The payment processing device of claim 5, wherein the checkout module is configured to determine the distance.

7. The payment processing device of claim 5, wherein the checkout module further comprises an attenuator configured to attenuate signals transmitted from the checkout module.

8. The payment processing device of claim 1 wherein the payment information comprises a Virtual Payment Account Number (VPAN).

9. The payment processing device of claim 1 wherein the payment information comprises a transaction identifier associated with a VPAN.

10. A method for payment processing between a consumer and a merchant at the merchant location using a mobile device, the method comprising the steps of:

detecting presence of the mobile device by a detection device;

notifying a backend device of the presence of the mobile device;

receiving, from the mobile device, payment information; and

transmitting the payment information to a point-of sale (POS).

11. The method of claim 10, wherein detecting presence of a mobile device comprises:

sending a Bluetooth inquiry message;

receiving a response to the Bluetooth inquiry message comprising a Bluetooth media access control (MAC) address of the mobile device; and

transmitting the Bluetooth MAC address to the backend device.

12. The method of claim 10, wherein detecting presence of a mobile device comprises:

monitoring a list of received WiFi traffic, the list comprising a WiFi MAC address of the mobile device;

transmitting the WiFi MAC address to the backend device.

13. The method of claim 12, wherein detecting presence of a mobile device further comprises:

receiving, from the backend device, a Bluetooth MAC address corresponding to the WiFi MAC address;

transmitting, via Bluetooth, an information request to the Bluetooth MAC address; and

receiving an information response from the user device responsive to the information request.

14. The method of claim 10, wherein receiving, from the mobile device, payment information comprises receiving a VPAN via one of a Bluetooth transmission;

a scanned barcode;

a Near Field Communication (NFC) transmission; and

a user input received via Short Message service (SMS).

15. A system for payment processing between a consumer and a merchant at a merchant location, the system comprising:

an in-store device comprising a checkout system configured to provide payment information to a point-of sale (POS) system;

a user device; and

a backend device configured to;

receive identification information related to the user device;

receive payment information related to the user device; and

store the identification information and payment information.

16. The system of claim 15 further comprising:

a magnetic card reader configured to;

receive payment card information; and

transmit the payment card information to the in-store device, and

wherein the in-store device is configured to transmit the payment card information to the backend device, the backend device configured to store the payment card information as payment information.

17. The system of claim 15 further comprising:

a receipt tap configured to;

receive an electronic receipt from the POS system; and

transmit the electronic receipt to the in-store device, the in-store device configured to transmit the electronic receipt to one or more of;

the backend system and the user device.

18. The system of claim 15 further comprising one or more Bluetooth radio devices configured to transmit and receive between the in-store device and the user device.

19. The system of claim 15 further comprising one or more NFC devices configured to transmit and receive between the in-store device and the user device.

20. The system of claim 15 further comprising one or more WiFi network devices configured to communicate with the user device, the in-store device configured to monitor network traffic of the one or more WiFi network devices.

21. The system of claim 15 further comprising a optical code reader configured to receive payment information from the user device.

22. The system of claim 15 further comprising a user interface configured to receive inputs, the inputs transmitted to the backend device and stored as identification information.

23. A detection device for detecting the presence of a customer at a merchant location using a customer'"'"'s user device and thereby enabling a payment by the customer, the detection device comprising:

a wireless communications module configured to communicate with the user device and thereby detect when the user device is in the merchant location;

a processor in communication with the wireless communications module and configured to send the presence of the user device to a backend system, the backend system operable to confirm the identity of the customer using the user device;

wherein the detection of the customer at the merchant location enables the customer to pay for a transaction with the merchant using the user device.

24. The detection device of claim 23 wherein the wireless communications module uses Bluetooth.

25. The detection device of claim 23 wherein the wireless communications module uses Wifi.

26. The detection device of claim 23 wherein the wireless communications module uses near field communication.

27. A checkout device for allowing a customer to pay for a transaction at a merchant location using a customer'"'"'s user device, the checkout device comprising:

an interface module configured to interact with the user device and thereby detect when the user device is being presented for payment of the transaction;

a processor in communication with the interface module and configured to send checkout information provided by the user device to a point of sale system, the point of sale system operable to process the payment transaction using the information from the user device.

28. The checkout device of claim 27 wherein the interface module uses Bluetooth.

29. The checkout device of claim 27 wherein the interface module uses near field communication.

30. The checkout device of claim 27 wherein the interface module uses an optical code reader.