Payment terminal system and method of use

• US 9,092,766 B1
• Filed: 10/28/2014
• Issued: 07/28/2015
• 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
• Primary Examiner(s): Kim, Ahshik
• Application Number:
  US14/526,033
• Time in Patent Office: 273 Days
• Field of Search: 235/383, 235/381, 235/380, 705/43, 705/44
• US Class Current: 1/1
• 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 terminal, comprising:

a first and second display;

a first and second input device associated with the first and second display, respectively;

a payment instrument reader;

a secure input processor connected to the first input device, configured to generate input coordinates based on input signals received from the first input device;

a main processor connected to the first display, the second display, and the second input device; and

a secure processor distinct from the main processor, the secure processor connected to the payment instrument reader, the secure input processor, and the main processor, the secure processor operable between;

a secured mode, wherein the secure processor interprets the input coordinates received from the secure input processor based on a locally stored coordinate map; and

an unsecured mode, wherein the secure processor sends the input coordinates to the main processor.

2. The payment terminal of claim 1, wherein the first and second user inputs comprise touchscreens overlaid along the respective display.

3. The payment terminal of claim 1, wherein a first edge the first display is statically coupled to a first edge of the second display by an obtuse junction.

4. The payment terminal of claim 3, wherein the payment instrument reader defines a card aperture, wherein the card aperture is arranged along the coupling interface substantially parallel with the first edges of the first and second display.

5. The payment terminal of claim 3, further comprising a printer, wherein the main processor is operatively connected to the printer, the printer comprising:

a printer body defining a printing substrate receptacle having a printer opening;

a printer door hinged to the printer body along a first edge of the printer opening, the printer door operable between;

a closed position, wherein the printer door substantially seals the printer opening and cooperatively defines a gap between a first edge of the printer door and a second edge of the printer opening;

an open position, wherein the first edge of the printer door is distal the second edge of the printer opening; and

a first and second toothed substrate separation mechanism arranged along the first edge of the printer door and second edge of the printer opening, respectively.

6. The payment terminal of claim 5, wherein the first display comprises a first and second opposing, parallel broad face and an active surface extending along the first broad face, wherein the printer is arranged along a portion of the second broad face proximal a second end of the first display opposing the first end of the first display.

7. The payment terminal of claim 6, wherein the printer body comprises an arcuate surface, wherein the gap is defined parallel a longitudinal axis of the arcuate surface, and wherein the printer body is arranged with the gap substantially parallel the second end of the first display.

8. The payment terminal of claim 7, wherein the printer body, second broad face, and second display cooperatively form a handle.

9. The payment terminal of claim 6, further comprising:

a secondary battery electrically connected to the main processor; and

a step-up converter electrically connected between the secondary battery and the printer, the step-up converter configured to convert battery power to printer power.

10. The payment terminal of claim 9, wherein the secondary battery is arranged proximal a second edge of the second display opposing the first end of the second display.

11. A payment terminal, comprising:

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 main processor connected to the display;

a secure input processor connected to the input device and configured to generate input coordinates based on the input signals;

a secure processor, separate and distinct from the main processor, that is connected to the payment instrument reader, the secure processor operable between;

a secured mode, wherein the secure processor interprets input coordinates received from the secure input processor based on a locally stored coordinate map; and

an unsecured mode, wherein the secure processor sends the input coordinates to the main processor.

12. The payment terminal of claim 11, further comprising:

a second display statically coupled by a junction to the first display at an obtuse angle; and

a second data input configured to receive a second set of input signals indicative of a second user input;

wherein the second display and second data input are connected to the main processor, wherein the main processor is configured to control the second display and receive the second set of input signals from the second data input.

13. The payment terminal of claim 11, wherein the payment instrument reader comprises a magnetic stripe reader and an integrated circuit card reader.

14. The payment terminal of claim 13, wherein the payment instrument reader comprises a reader body defining a card aperture configured to receive a card, wherein the magnetic stripe reader is disposed along a portion of a card aperture edge and the integrated circuit card reader is disposed proximal a reader body end opposing the card aperture.

15. The payment terminal of claim 11, wherein the secure processor and the main processor are connected by a single wired connection.

16. The payment terminal of claim 11, further comprising a set of sensors connected to the main processor.

17. The payment terminal of claim 16, wherein the set of sensors comprises a camera, wherein the camera is connected to and controlled by the main processor.

18. The payment terminal of claim 17, wherein the camera comprises a camera active surface, wherein the camera is arranged with a normal vector of the camera active surface at an angle between parallel and perpendicular to a display broad face.

19. The payment terminal of claim 18, wherein the display comprises a contact surface configured to support the display in a predetermined configuration on a support surface, wherein the camera is arranged along an end of display with the camera active surface normal vector perpendicular a normal vector of the contact surface.

20. The payment terminal of claim 11, further comprising a wireless communication module connected to the main processor.