Card reader emulation for cardless transactions

• US 9,037,491 B1
• Filed: 02/21/2014
• Issued: 05/19/2015
• Est. Priority Date: 11/26/2013
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Block, Inc. (f/k/a Square, Inc.)
• Inventors: Lee, Robert
• Primary Examiner(s): Ludwig, Peter L
• Application Number:
  US14/187,049
• Publication Number:
  US 20150149309A1
• Time in Patent Office: 452 Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/351 Virtual cards
• 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 30/00 Commerce
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Disclosed are method and apparatus that enable a cardless payment transaction to be executed from a merchant point-of-sale (POS) system. A user is enabled to check in at a merchant by using a mobile device of the user and then to pay by simply appearing at the merchant and mentioning his name. By emulating card read events and intercepting receipt printer outputs, the technique cleanly integrates into a conventional merchant POS system, without the need for customized software or hardware to accommodate individual POS vendor-proprietary application programming interfaces (APIs).

Claims

1. A method comprising:

detecting user input at a point-of-sale (POS) system located at a merchant location where a consumer is physically present at a time of a payment transaction involving the consumer and a merchant, the user input entered via a user interface of the POS system, the user input specifying the consumer and being indicative of an intent to initiate the payment transaction;

in response to the user input, initiating the payment transaction in the POS system by outputting, to a POS module in the POS system, data that emulates output of a physical card reader associated with a card read event, without an actual card read event having occurred in relation to the payment transaction, wherein said outputting data that emulates output of a physical card reader includes invoking a card reader application programming interface (API) associated with the physical card reader;

after the payment transaction has been approved by a payment processing entity, preventing generation of a printed receipt for the payment transaction by intercepting a print signal generated by the POS module for activating a receipt printer, the print signal including receipt data; and

in response to the print signal, sending a first message from the POS system to cause a second message to be sent to a mobile device of the consumer, the second message for enabling the mobile device to output a virtual receipt for the payment transaction to the consumer.

2. A method as recited in claim 1, wherein said outputting data that emulates output of the physical card reader comprises sending the data that emulates output of the physical card reader to the POS module in a protocol of the physical card reader.

3. A method as recited in claim 1, wherein said causing the second message to be sent to the mobile device of the consumer comprises sending the first message to a remote entity via a network, to cause the remote entity to send the second message to the mobile device of the consumer.

4. A method as recited in claim 1, wherein the second message contains data representing the virtual receipt.

5. A method as recited in claim 1, wherein said outputting data that emulates output of the physical card reader comprises providing to the POS module a payment account identifier of a payment card of the consumer.

6. A method as recited in claim 1, wherein said outputting data that emulates output of a physical card reader comprises providing to the POS module a one-time-use account identifier for use only for said payment transaction involving the consumer, wherein the one-time-use account identifier is not an account identifier of a payment card of the consumer but is in an account identifier format recognizable by the POS module.

7. A method as recited in claim 1, further comprising:

parsing the receipt data in the print signal to identify semantic elements of the receipt data.

8. A non-transitory machine-readable storage medium tangibly storing program code that, if executed by one or more processors in a point-of-sale (POS) system located at a POS location of a merchant, will cause the POS system to perform operations including:

detecting, at the point-of-sale (POS) system, user input entered via a user interface of the POS system, the user input specifying a consumer and being indicative of an intent to initiate a payment transaction involving the consumer;

in response to the user input, initiating the payment transaction in the POS system by outputting, to a POS module in the POS system, data that emulates output of a physical card reader associated with a card read event, without an actual card read event having occurred in relation to the payment transaction, wherein said outputting data that emulates output of a physical card reader includes invoking a card reader application programming interface (API) associated with the physical card reader;

after the payment transaction has been approved by a payment processing entity, preventing generation of a printed receipt for the payment transaction by intercepting a print signal generated by the POS module for activating a receipt printer, the print signal including receipt data; and

in response to the print signal, sending a first message from the POS system to cause a second message to be sent to a mobile device of the consumer, the second message for enabling the mobile device to output a virtual receipt for the payment transaction to the consumer.

9. A machine-readable storage medium as recited in claim 8, wherein said outputting data that emulates output of the physical card reader comprises sending the data that emulates output of the physical card reader to the POS module in a protocol of the physical card reader.

10. A machine-readable storage medium as recited in claim 8, wherein said causing the second message to be sent to the mobile device of the consumer comprises sending the first message to a remote entity via a network, to cause the remote entity to send the second message to the mobile device of the consumer.

11. A machine-readable storage medium as recited in claim 8, wherein the second message contains data representing the virtual receipt.

12. A machine-readable storage medium as recited in claim 8, wherein said outputting data that emulates output of the physical card reader comprises providing to the POS module a payment account identifier of a payment card of the consumer.

13. A machine-readable storage medium as recited in claim 8, wherein said outputting data that emulates output of the physical card reader comprises providing to the POS module a one-time-use account identifier for use only for said payment transaction involving the consumer, wherein the one-time-use account identifier is not an account identifier of a payment card of the consumer but is in an account identifier format recognizable by the POS module.

14. A machine-readable storage medium as recited in claim 8, further comprising:

parsing the receipt data in the print signal to identify semantic elements of the receipt data.