Touch screen system and methods for multiple contactless payments

• US 9,767,446 B2
• Filed: 07/19/2012
• Issued: 09/19/2017
• Est. Priority Date: 07/19/2012
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Cooke, Alan, Elder, Stephen, Blythe, Simon
• Primary Examiner(s): Zeender, Ryan
• Assistant Examiner(s): Racic, Milena
• Application Number:
  US13/553,398
• Publication Number:
  US 20140025513A1
• Time in Patent Office: 1,888 Days
• Field of Search: 705754, 705759, 345173
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards

Abstract

Systems and methods for operating a touch screen for contactless payments are described. In an embodiment, a process includes detecting the presence of multiple proximity payment devices in contact with a touchable surface of a touch screen, displaying a payment option menu for multiple consumers associated with the proximity payment devices, and detecting selection of payment amounts. The process includes reading payment account data from the multiple proximity payment devices, providing the payment account data to a processor, and transmitting the payment account data and the payment amounts associated with the multiple proximity payment devices to a payment server computer. The process may also include receiving one or more payment authorization messages associated with the proximity payment devices, and displaying the payment authorization message(s).

Claims

1. A method of operating an interactive touch screen system comprising:

detecting, by a plurality of sensors embedded within a touch screen, the presence of a first proximity payment device in contact with a touchable surface in a first payment area of the touch screen and a second proximity payment device in contact with the touchable surface in a separate second payment area;

receiving, by a touch panel processor, data from the plurality of embedded sensors concerning the first and second proximity payment devices;

displaying, by the touch panel processor on the touch screen in an area separate from the first and second payment areas, a total amount due;

simultaneously displaying, by the touch panel processor, a first payment option menu in the first payment area and a second payment option menu in the separate second payment area;

detecting, by the touch panel processor, selection of a first pay indication from the first payment area associated with the first proximity payment device and a second pay indication from the second payment area associated with the second proximity payment device;

receiving, by the touch panel processor, a first payment amount from the first payment area associated with the first proximity payment device and a second payment amount from the second payment area associated with the second proximity payment device, wherein a sum of the first and second payment amounts equal the total amount due;

reading, by at least one proximity reader, payment account data from the first and second proximity payment devices;

providing, by the at least one proximity reader, the payment account data to the touch panel processor;

transmitting, by the touch panel processor, the payment account data comprising the first payment amount associated with the first proximity payment device and the second payment amount associated with the second proximity payment device to a payment server computer;

receiving, by the touch panel processor from the payment server computer, a first payment authorization message associated with the first proximity payment device and a second payment authorization message associated with the second proximity payment device; and

displaying, by the touch panel processor, the first payment authorization message in the first payment area and the second payment authorization message in the second separate payment area.

2. The method of claim 1, further comprising, subsequent to detecting selection of pay indications:

providing, by the touch panel processor, a first and second personal identification number (PIN) entry screen in the first and second payment areas; and

detecting entry of a first PIN in the first PIN entry screen and a second PIN in the second PIN entry screen.

3. The method of claim 2, further comprising transmitting, by the touch panel processor, the first PIN along with the payment account data associated with the first proximity payment device and the second PIN along with payment account data associated with the second proximity payment device to a payment server computer.

4. A non-transitory computer readable medium storing instructions configured to cause a touch panel processor to:

receive an indication from a plurality of sensors of detection of a first proximity payment device in contact with a touchable surface of a touch screen in a first payment area and a second proximity payment device in contact with the touchable surface in a separate second payment area of the touch screen;

display on the touch screen in an area separate from the first and second payment areas, a total amount due;

simultaneously display a first payment option menu in the first payment area and a second payment option menu in the separate second payment area;

detect selection of a first pay indication from the first payment area associated with the first proximity payment device and a second pay indication from the second payment area associated with the second proximity payment device;

receive a first payment amount from the first payment area associated with the first proximity payment device and a second payment amount from the second payment area associated with the second proximity payment device, wherein a sum of the first and second payment amounts equal the total amount due;

receive payment account data from the first and second proximity payment devices;

transmit the payment account data comprising the first payment amount associated with the first proximity payment device and the second payment amount associated with the second proximity payment device to a payment server computer;

receive a first payment authorization message associated with the first proximity payment device and a second payment authorization message associated with the second proximity payment device from the payment server computer; and

display the first payment authorization message in the first payment area and the second payment authorization message in the second separate payment area.

5. The non-transitory computer readable medium of claim 4, further comprising, subsequent to the instructions for detecting selection of pay indications, instructions configured to cause the touch panel processor to:

provide a first and second personal identification number (PIN) entry screen in the first and second payment areas; and

detect entry of a first PIN in the first PIN entry screen and a second PIN in the second PIN entry screen.

6. The non-transitory computer readable medium of claim 5, further comprising instructions configured to cause the touch panel processor to transmit the first PIN along with the payment account data associated with the first proximity payment device and the second PIN along with payment account data associated with the second proximity payment device to a payment server computer.

7. An interactive touch screen system comprising:

a touch screen comprising a touchable surface and at least two embedded antenna arrays parallel to the touchable surface, the at least two embedded antenna arrays located in at least a first payment area and a separate second payment area and configured to read data from first proximity payment device and a second proximity payment device when present on the touchable surface;

at least one multiplexer operably connected to the at least two embedded antenna arrays;

at least one near field communications (NFC) reader operably connected to the at least one multiplexer; and

a touch screen processor operably connected to the touch screen, to the at least two embedded antenna arrays, to the at least one NFC reader, and to a communications component, the touch screen processor configured to;

receive an indication from the at least two embedded antenna arrays of the presence of a first proximity payment device the first payment area and a second proximity payment device in the separate second payment area on the touchable surface;

display in an area separate from the first and second payment areas a total amount due;

simultaneously display a first payment option menu in the first payment area and a second payment option menu in the separate second payment area for each of the first and second proximity payment devices;

receive selection of a first pay indication from the first payment area associated with the first proximity payment device and a second pay indication from the second payment area associated with the second proximity payment device;

receive a first payment amount from the first payment area associated with the first proximity payment device and a second payment amount from the second payment area associated with the second proximity payment device, wherein a sum of the first and second payment amounts equal the total amount due;

transmit via the communications component payment card account data and the first and second payment amounts associated with the first and second proximity payment devices to a payment server computer;

receive a first payment authorization message associated with the first proximity payment device and a second payment authorization message associated with the second proximity payment device from the payment server computer; and

display the first payment authorization message in the first payment area and the second payment authorization message in the second separate payment area.

8. The system of claim 7, further comprising a backlight below the touch screen comprising at least one light source configured to illuminate objects through the touchable surface.

9. The system of claim 7, further comprising a sensor layer below the touch screen for detecting objects contacting the touch screen surface, the sensor layer comprising a plurality of integrated infrared sensors and a plurality of integrated filters positioned between the touchable surface and the integrated sensors.

10. The system of claim 9, further comprising a light source layer below the sensor layer, the light source layer comprising at least one infrared light source.