SYSTEM AND METHOD FOR THIRD PARTY PAYMENT AT POINT OF SALE TERMINALS

• US 20160364701A1
• Filed: 06/15/2015
• Published: 12/15/2016
• Est. Priority Date: 06/15/2015
• Status: Active Grant

• Current Assignee: Worldpay, LLC (Fidelity National Information Services Incorporated)
• Original Assignee: Vantiv LLC (Fidelity National Information Services Incorporated)
• Inventors: Nayfack, Nicholas G.
• Granted Patent: US 10,438,177 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/0855 involving a third party
• 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 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.

Claims

1. A point of sale terminal of a merchant, comprising:

an embedded controller including a processor, and a memory and a network interface in data communication with the processor, the memory operable for storage of data and instructions, the network interface configured for data communication with a payment processing network; and

a display configured to display a third party payment provider display area,

wherein the embedded controller is configured to

receive, via the network interface, an authentication notification for authenticating a consumer for a transaction at the merchant with a third party payment provider, the authentication notification including one or more of

an identifying indicia of the consumer, and

a gratuity provided by the consumer,

receive a consumer authentication selection,

send, via the network interface, a payment request for payment by the third party payment provider for the transaction with the consumer at the point of sale terminal, the payment request including the consumer authentication selection, and

receive, via the network interface, a confirmation of payment by the third party payment provider.

2. The point of sale terminal of claim 1, wherein the consumer authentication selection authenticates the consumer using the identifying indicia of the consumer.

3. The point of sale terminal of claim 2, wherein the identifying indicia of the consumer is an image of the consumer, wherein the image of the consumer is displayed in the third party payment provider display area, and wherein the consumer is authenticated by a selection of the image of the consumer that is displayed in the third party payment provider display area.

4. The point of sale terminal of claim 2, wherein the consumer authentication selection includes one or more of a personal identification number from the consumer or a code from a mobile device of the consumer.

5. The point of sale terminal of claim 4, wherein the code is selected from group consisting of a scanned quick response code from a display of the mobile device, and a near field communication code received from the mobile device.

6. The point of sale terminal of claim 1, wherein the third party payment provider display area is configured to support one or more new payment modalities through data received via the network interface,

wherein the data does not modify an instruction of the point of sale terminal in the memory.

7. A method, comprising:

presenting a third party payment provider display area on a point of sale terminal of a merchant;

receiving a consumer authentication selection at the point of sale terminal;

sending a payment request for payment by a third party payment provider from the point of sale terminal for a transaction with a consumer at the point of sale terminal; and

receiving, by the merchant, notification of payment by the third party payment provider in response to the payment request.

8. The method of claim 7, further comprising:

receiving data for presenting a new payment modality in the third party payment provider display area,

wherein the data does not modify an instruction of the point of sale terminal.

9. The method of claim 7, wherein receiving a consumer authentication selection includes receiving one or more of a personal identification number from the consumer or a code from a mobile device of the consumer.

10. The method of claim 9, wherein the code is selected from group consisting of a scanned quick response code from a display of the mobile device, and a near field communication code received from the mobile device.

11. The method of claim 7, further comprising:

receiving a notification, at the point of sale terminal, that the consumer has checked-in at the merchant with the third party payment provider,

wherein the notification includes one or more of

an identifying indicia of the consumer, and

a gratuity provided by the consumer when the consumer checked-in.

12. The method of claim 11, wherein the consumer authentication selection authenticates the consumer using the identifying indicia of the consumer.

13. The method of claim 11, wherein the identifying indicia of the consumer is an image of the consumer, wherein the image of the consumer is displayed in the third party payment provider display area on the point of sale terminal, and wherein the consumer is authenticated by a selection of the image of the consumer that is displayed in the third party payment provider display area.

14. The method of claim 7, wherein the third party payment provider display area on the point of sale terminal is a web page configured to

receive a payment amount of the transaction from the point of sale terminal,

receive the consumer authentication selection,

send the payment request for payment by the third party payment provider that includes the payment amount and the consumer authentication selection,

receive a confirmation of payment by the third party payment provider, and

send a notification to the point of sale terminal of the confirmation of payment.

15. A computer-implemented payment processing method, comprising:

polling a third party payment processor for customer check-in data associated with a customer check-in at a merchant;

receiving the customer check-in data including an authentication data for authenticating the customer at a point of sale terminal of the merchant;

sending the customer check-in data to the point of sale terminal;

receiving a payment request from the point of sale terminal for payment by the third party payment processor, the payment request including an authentication result data;

sending a payment authorization request to the third party payment processor;

receiving a payment confirmation from the third party payment processor; and

sending a notification of payment to the point of sale terminal.

16. The computer-implemented payment processing method of claim 15, wherein the authentication data includes at least one digital image of the customer.

17. The computer-implemented payment processing method of claim 16, wherein the authentication result data includes a confirmation that the customer was authenticated with the digital image of the customer.

18. The computer-implemented payment processing method of claim 15, wherein the authentication result data includes a data selected from the group consisting of a personal identification number, a hash of a personal identification number, a password, a hash of a password, a token associated with the customer and merchant, a scanned code, a scanned quick response code, a code provided by a mobile communication device, and a code provided through a near field communication session with a mobile communication device.

19. The computer-implemented payment processing method of claim 15, wherein the received customer check-in data includes a gratuity data, and wherein the payment request from the point of sale terminal includes a gratuity based at least in part on the gratuity data.

20. The computer-implemented payment processing method of claim 15, further comprising:

sending, to the point of sale terminal, data for presenting a new payment modality in a third party payment provider display area of the point of sale terminal,

wherein the data does not modify an instruction of the point of sale terminal.