Mobile-device-to-machine payment systems

• US 8,856,045 B1
• Filed: 03/14/2014
• Issued: 10/07/2014
• Est. Priority Date: 12/18/2013
• Status: Active Grant

• Current Assignee: PayRange, Inc.
• Original Assignee: PayRange, Inc.
• Inventors: Patel, Paresh K., Doan, Chau M.
• Primary Examiner(s): Nigh, James D
• Application Number:
  US14/214,644
• Time in Patent Office: 207 Days
• Field of Search: 705/64, 705/71, 705/76, 705/79
• US Class Current: 705/71
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• 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
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/002 Vending machines being part of a centrally controlled network of vending machines
• CPC Class Codes: G07F 9/023 Arrangements for display, data presentation or advertising
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees

Abstract

Described herein is a mobile-device-to-machine payment system and method for facilitating a cashless transaction for purchase of at least one product or service by a user from a payment accepting unit.

Claims

1. A mobile-device-to-machine payment system for facilitating a cashless transaction for purchase of at least one product or service by a user from a payment accepting unit having input mechanisms, the user having a mobile device having both short-range communication technology and long-range communication technology, the payment accepting unit capable of dispensing at least one product or service, said system comprising:

(a) an adapter module associated with the payment accepting unit, said adapter having short-range communication technology for communicating with the short-range communication technology of the mobile device;

(b) a server having long-range communication technology for communicating with the long-range communication technology of the mobile device;

(c) said adapter module for sending an authorization request for funds to the mobile device using short-range communication technology, the mobile device forwarding said authorization request for funds to said server using long-range communication technology; and

(d) said server for sending an authorization grant for funds to the mobile device using long-range communication technology, the mobile device forwarding said authorization grant for funds to said adapter module using short-range communication technology;

(e) wherein the payment accepting unit dispenses the at least one product or service in response to receiving user input to the payment accepting unit input mechanism if said adapter module has received said authorization grant.

2. The system of claim 1, said adapter module having security technology and said server having security technology, said authorization request being secured by said adapter module security technology to create a secured authorization request, said authorization grant being secured by said server security technology to create a secured authorization grant, and said secured authorization request and said secured authorization grant being undecipherable to the mobile device.

3. The system of claim 1, said adapter module and said server sharing a unique private key, said adapter module having encryption/decryption technology and said server having encryption/decryption technology, said authorization request being encrypted by said adapter module encryption/decryption technology using said unique private key to create an encrypted authorization request, said encrypted authorization request being decrypted by said server encryption/decryption technology using said unique private key, said authorization grant being encrypted by said server encryption/decryption technology using said unique private key to create an encrypted authorization grant, said encrypted authorization grant being decrypted by said adapter module encryption/decryption technology using said unique private key, and said encrypted authorization request and said encrypted authorization grant being undecipherable to the mobile device.

4. The system of claim 1 further comprising:

(a) said adapter module surrounded by two zones, a payment zone and an authorization zone, wherein said payment zone is within said authorization zone;

(b) said adapter module sending said authorization request when the mobile device is within said authorization zone; and

(c) the mobile device forwarding said authorization grant for funds to said adapter module when the mobile device is within said payment zone.

5. The system of claim 1 further comprising:

(a) said adapter module surrounded by three zones, a payment zone, an authorization zone, and a communication zone, wherein said payment zone is within said authorization zone and said authorization zone is within said communication zone;

(b) the mobile device receiving advertising broadcast signals from said adapter module within said communication zone;

(c) said adapter module sending said authorization request when the mobile device is within said authorization zone; and

(d) the mobile device forwarding said authorization grant for funds to said adapter module when the mobile device is within said payment zone.

6. The system of claim 1 having a hands-free mode in which the payment accepting unit dispenses the at least one product or service without the user interacting with the mobile device.

7. The system of claim 1 having a hands-free mode in which the payment accepting unit dispenses the at least one product or service without the user interacting with the mobile device, said system further comprising:

(a) a display of the payment accepting unit for displaying funds available based on information from said authorization grant; and

(b) input mechanisms of the payment accepting unit for receiving user selection input when the user interacts with the input mechanisms to select the at least one product or service to be dispensed.

8. The system of claim 1 wherein said adapter module is an in-line dongle for in-line insertion within a multi-drop bus of the payment accepting unit.

9. The system of claim 1:

(a) the payment accepting unit having a multi-drop bus to a payment receiving mechanism, the multi-drop bus having a male adapter and a female adapter;

(b) said adapter module having a male adapter and a female adapter; and

(c) said adapter module insertable in serial with the multi-drop bus by connecting said male adapter of said adapter module to the female adapter of the multi-drop bus and by connecting said female adapter of said adapter module to the male adapter of the multi-drop bus.

10. A mobile-device-to-machine payment system for facilitating a cashless transaction for purchase of at least one product or service by a user from a payment accepting unit having input mechanisms, the user having a mobile device having both short-range communication technology and long-range communication technology, the payment accepting unit capable of dispensing at least one product or service, said system comprising:

(a) an adapter module associated with the payment accepting unit, said adapter having short-range communication technology for communicating with the short-range communication technology of the mobile device, said adapter module having security technology, and said adapter module surrounded by two zones, a payment zone and an authorization zone, wherein said payment zone is within said authorization zone;

(b) a server having long-range communication technology for communicating with the long-range communication technology of the mobile device, said server having security technology;

(c) said adapter module for sending a secured authorization request for funds secured by said adapter module security technology to the mobile device using short-range communication technology when the mobile device is within said authorization zone, the mobile device forwarding said secured authorization request for funds to said server using long-range communication technology; and

(d) said server for sending a secured authorization grant for funds secured by said server security technology to the mobile device using long-range communication technology, the mobile device forwarding said secured authorization grant for funds to said adapter module using short-range communication technology when the mobile device is within said payment zone;

(e) wherein the payment accepting unit dispenses the at least one product or service in response to receiving user input to the payment accepting unit input mechanism if said adapter module has received said secured authorization grant.

11. The system of claim 10, said secured authorization grant being undecipherable to the mobile device.

12. The system of claim 10, said adapter module and said server sharing a unique private key, said adapter module security technology being encryption/decryption technology and said server security technology being encryption/decryption technology, said secured authorization request being encrypted by said adapter module encryption/decryption technology using said unique private key to create an encrypted secured authorization request, said encrypted secured authorization request being decrypted by said server encryption/decryption technology using said unique private key, said secured authorization grant being encrypted by said server encryption/decryption technology using said unique private key to create an encrypted secured authorization grant, said encrypted secured authorization grant being decrypted by said adapter module encryption/decryption technology using said unique private key, and said encrypted secured authorization request and said encrypted secured authorization grant being undecipherable to the mobile device.

13. The system of claim 10 further comprising:

(a) said adapter module being surrounded by three zones, said payment zone, said authorization zone, and a communication zone, wherein said authorization zone is within said communication zone; and

(b) the mobile device receiving advertising broadcast signals from said adapter module within said communication zone.

14. The system of claim 10 having a hands-free mode in which the payment accepting unit dispenses the at least one product or service without the user interacting with the mobile device.

15. The system of claim 10 having a hands-free mode in which the payment accepting unit dispenses the at least one product or service without the user interacting with the mobile device, said system further comprising:

(a) a display of the payment accepting unit for displaying funds available based on information from said secured authorization grant; and

(b) input mechanisms of the payment accepting unit for receiving user selection input when the user interacts with the input mechanisms to select the at least one product or service to be dispensed.

16. The system of claim 10 wherein said adapter module is an in-line dongle for in-line insertion within a multi-drop bus of the payment accepting unit.

17. The system of claim 10:

(a) the payment accepting unit having a multi-drop bus to a payment receiving mechanism, the multi-drop bus having a male adapter and a female adapter;

(b) said adapter module having a male adapter and a female adapter;

(c) said adapter module insertable in serial with the multi-drop bus by connecting said male adapter of said adapter module to the female adapter of the multi-drop bus and by connecting said female adapter of said adapter module to the male adapter of the multi-drop bus.

18. A method for using a mobile-device-to-machine payment system for facilitating a cashless transaction for purchase of at least one product or service by a user from a payment accepting unit having input mechanisms, the user having a mobile device having both short-range communication technology and long-range communication technology, the payment accepting unit capable of dispensing at least one product or service, said method comprising the steps of:

(a) sending an authorization request for funds to the mobile device using short-range communication technology of an adapter module associated with the payment accepting unit;

(b) receiving said authorization request for funds from said short-range communication technology of said adapter module at the short-range communication technology of the mobile device;

(c) forwarding said authorization request for funds to a server using the long-range communication technology of the mobile device;

(d) receiving said authorization request for funds from the long-range communication technology of the mobile device at long-range communication technology of said server;

(e) sending an authorization grant for funds to the mobile device using said long-range communication technology of said server;

(f) receiving said authorization grant for funds from long-range communication technology of said server at the long-range communication technology of the mobile device;

(g) forwarding said authorization grant for funds to said adapter module using the short-range communication technology of the mobile device;

(h) receiving said authorization grant for funds from the short-range communication technology of the mobile device at short-range communication technology of said adapter module; and

(i) dispensing the at least one product or service from the payment accepting unit in response to receiving user input to the payment accepting unit input mechanism if said adapter module has received said authorization grant.

19. The method of claim 18, securing said authorization request using security technology associated with said adapter module to create a secured authorization request, securing said authorization grant using security technology associated with said server to create a secured authorization grant, and said secured authorization request and said secured authorization grant being undecipherable to the mobile device.

20. The method of claim 18, sharing a unique private key between said adapter module and said server, encrypting using said unique private key said authorization request using encryption/decryption technology associated with said adapter module to create an encrypted authorization request, decrypting using said unique private key said encrypted authorization request using encryption/decryption technology associated with said server, encrypting using said unique private key said authorization grant using said encryption/decryption technology associated with said server to create an encrypted authorization grant, decrypting using said unique private key said encrypted authorization grant using encryption/decryption technology associated with said adapter module, and said encrypted authorization request and said encrypted authorization grant being undecipherable to the mobile device.

21. The method of claim 18 further comprising:

(a) surrounding said adapter module with two zones, a payment zone and an authorization zone, wherein said payment zone is within said authorization zone;

(b) said adapter module sending said authorization request when the mobile device is within said authorization zone; and

(c) the mobile device forwarding said authorization grant for funds to said adapter module when the mobile device is within said payment zone.

22. The method of claim 18 further comprising:

(a) surrounding said adapter module with three zones, a payment zone, an authorization zone, and a communication zone, wherein said payment zone is within said authorization zone and said authorization zone is within said communication zone;

(b) the mobile device receiving advertising broadcast signals from said adapter module within said communication zone;

(c) said adapter module sending said authorization request when the mobile device is within said authorization zone; and

(d) the mobile device forwarding said authorization grant for funds to said adapter module when the mobile device is within said payment zone.

23. The method of claim 18 having a hands-free mode in which the payment accepting unit dispenses the at least one product or service without the user interacting with the mobile device.

24. The method of claim 18 having a hands-free mode in which the payment accepting unit dispenses the at least one product or service without the user interacting with the mobile device, said method further comprising the steps of:

(a) displaying funds available on a display of the payment accepting unit, said funds available being based on information from said authorization grant; and

(b) receiving user selection input when the user interacts with input mechanisms of the payment accepting unit to select the at least one product or service to be dispensed.

25. The method of claim 18 further comprising the step of inserting said adapter module as an in-line dongle for in-line insertion within a multi-drop bus of the payment accepting unit.

26. The method of claim 18, the payment accepting unit having a multi-drop bus to a payment receiving mechanism, the multi-drop bus having a male adapter and a female adapter, and said adapter module having a male adapter and a female adapter, said method further comprising the step of inserting said adapter module in serial with the multi-drop bus by connecting said male adapter of said adapter module to the female adapter of the multi-drop bus and by connecting said female adapter of said adapter module to the male adapter of the multi-drop bus.