Card reader emulation for cardless transactions

• US 9,626,669 B2
• Filed: 03/24/2015
• Issued: 04/18/2017
• 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:
  US14/667,496
• Publication Number:
  US 20150235195A1
• Time in Patent Office: 756 Days
• Field of Search: None
• 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. An apparatus comprising:

a card reader emulator configured to operate as part of a merchant point-of-sale (POS) system, where the merchant POS system is configured to include a physical card reader capable of reading physical payment cards and where the merchant POS system includes POS software that is not part of any card reader, the card reader emulator being configured to detect user input indicative of an intent to initiate a payment transaction involving a consumer and, in response thereto, to initiate the payment transaction by outputting data that emulates a card read event for the payment transaction without a card read event having occurred for the payment transaction, wherein said outputting data that emulates the card read event is performed by invoking a card reader programming interface of the POS software; and

a receipt manager configured to prevent generation of a printed receipt for the payment transaction by preventing a print signal from being communicated to a printer in relation to said payment transaction, and to cause a message to be sent to a mobile device of the consumer, to enable the mobile device to output a virtual receipt for the payment transaction.

2. An apparatus as recited in claim 1, wherein the card reader programming interface is a card reader application programming interface (API) of the POS software.

3. An apparatus as recited in claim 1, wherein the receipt manager is configured to parse receipt data in the print signal to identify semantic elements of the receipt data.

4. An apparatus as recited in claim 1, wherein the apparatus is configured to cause the message to be sent to the mobile device of the consumer by sending the first message to a remote entity via a network, to cause the remote entity to send the message to the mobile device of the consumer.

5. An apparatus as recited in claim 1, wherein the apparatus is configured to emulate output of the physical card reader by outputting a one-time-use payment account identifier for use only for said payment transaction, wherein the one-time-use payment account identifier is not a payment account identifier of a payment card of the consumer.