PAYMENT TERMINAL SYSTEM AND METHOD OF USE

• US 20190172036A1
• Filed: 02/08/2019
• Published: 06/06/2019
• Est. Priority Date: 10/28/2014
• Status: Active Grant

• Current Assignee: Poynt Co. (GoDaddy, Inc.)
• Original Assignee: Poynt Co. (GoDaddy, Inc.)
• Inventors: Bedier, Osama, Tanaka, Ray, Hernandez, Robert
• Granted Patent: US 10,453,048 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 3/041 Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means
• CPC Class Codes: G06F 3/1423 controlling a plurality of local displays, e.g. CRT and flat panel display
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G07G 1/0009 Details of the software in the checkout register, electronic cash register [ECR] or point of sale terminal [POS]
• CPC Class Codes: G07G 1/0018 Constructional details, e.g. of drawer, printing means, input means
• CPC Class Codes: G07G 1/01 Details for indicating displaying information in general G09F, G09G

Abstract

A payment terminal, including: a display, an input device configured to generate input signals indicative of a user input, a payment instrument reader configured to receive payment instrument data from a financial payment instrument, a secure processor connected to the payment instrument reader, a main processor connected to the display, the main processor separate and distinct from the secure processor, a secure input processor connected to the input device and the secure processor, wherein the secure processor is operable between an unsecured mode, wherein the secure processor sends input coordinates based on the input signals received from the secure input processor to the main processor; and a secured mode, wherein the secure input processor ceases input coordinate forwarding to the main processor.

Claims

1. A payment system, comprising:

a payment card industry (PCI)-compliant secure processing system;

a touchscreen operably connected to only the secure processing system;

a main processing system separate from and connected to the secure processing system;

a display operably connected to only the main processing system, wherein the touchscreen overlays the display; and

a housing enclosing the secure processing system and the main processing system.

2. The system of claim 1, further comprising a payment instrument reader connected to the secure processing system.

3. The system of claim 1, wherein the secure processing system is configured to operate in:

a secure mode, wherein the secure processing system interprets inputs received from the touchscreen; and

an unsecured mode, wherein the secure processing system forwards the inputs received from the touchscreen to the main processing system.

4. The system of claim 3, wherein the secure processing system is configured to switch between operation in the secure mode and the unsecure mode in response to receipt of a transaction initiation request from the main processing system.

5. The system of claim 3, wherein, in the secure mode, the secure processing system is configured to:

instruct the main processing system to display a PIN pad on the display; and

interpret inputs received from the touchscreen based on an input coordinate map stored by the secure processing system.

6. The system of claim 3, wherein, in the secure mode, the secure processing system is further configured to:

encrypt payment information received from the payment instrument reader and transaction information;

send the encrypted transaction and payment information to the main processing system, wherein the main processing system forwards the payment information to a card network; and

automatically exit operation in the secure mode.

7. The system of claim 1, further comprising a tamper-proof mechanism securing the secure processing system and connections between the secure processing system, the touchscreen, and the payment instrument reader.

8. The system of claim 1, further comprising a second display and a second touchscreen overlaid over the second display, wherein the second display and the second touchscreen are operably connected to the main processing system and mounted to the housing.

9. A payment terminal, comprising:

a secure processing system;

a touchscreen connected to the secure processing system;

a payment instrument reader connected to the secure processing system;

a main processing system separate from and connected to the secure processing system;

a display associated with the touchscreeen; and

a housing enclosing the secure processing system and the main processing system.

10. The payment terminal of claim 9, wherein the touchscreen is operably connected to only the secure processing system, and the display is operably connected to only the main processing system.

11. The payment terminal of claim 9, wherein the touchscreen is not directly connected to the main processing system, and the display is directly connected to the main processing system and not the secure processing system.

12. The payment terminal of claim 9, wherein the secure processing system is configured to operate in:

a secure mode, wherein the secure processing system interprets inputs received from the touchscreen; and

an unsecured mode, wherein the secure processing system forwards the inputs received from the touchscreen to the main processing system.

13. The payment terminal of claim 12, wherein the secure processing system is configured to switch between operation in the secure mode and operation in the unsecure mode in response to receipt of a transaction initiation request from the main processing system.

14. The payment terminal of claim 12, wherein the secure processing system is configured to interpret the inputs based on an input coordinate map in the secure mode.

15. The payment terminal of claim 14, wherein the secure processing system, in the secure mode, is configured to instruct the main processing system to display a PIN pad on the display, wherein the displayed PIN pad corresponds to the input coordinate map.

16. The payment terminal of claim 12, wherein the secure processing system is further configured to:

encrypt payment information received from the payment instrument reader and transaction information; and

send the encrypted transaction and payment information to the main processing system, wherein the main processing system forwards the payment information to a card network.

17. The payment terminal of claim 9, wherein the secure processing system is payment card industry (PCI)-compliant.

18. The payment terminal of claim 9, wherein the touchscreen is overlaid over the display, wherein the touchscreen and the display are mounted to the housing.

19. The payment terminal of claim 9, wherein a connection between the secure processing system and the touchscreen comprises a tamper-proof mechanism.

20. The payment terminal of claim 9, further comprising a second display and a second touchscreen overlaid over the second display, wherein the second display and the second touchscreen are directly connected to the main processing system.