Tip processing at a point-of-sale system

• US 9,799,021 B1
• Filed: 02/21/2014
• Issued: 10/24/2017
• 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): Goyea, Olusegun
• Application Number:
  US14/187,104
• Time in Patent Office: 1,341 Days
• Field of Search: 705 1451, 705 2661, 705 261, 705 39, 235375, 235379, 455411
• 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:

receiving, at a first module in a point-of-sale (POS) system of a merchant, a message sent by a remote payment service system via a network, the message indicating a tip amount related to an electronic payment transaction between a consumer and the merchant, the message having been transmitted to the POS system by the remote payment service system in response to the consumer having input the tip amount into a personal communication device; and

in response to the message, communicating the tip amount from the first module in the POS system to a second module in the POS system, wherein said communicating includes, without user input locally at the POS system;

simulating, by the first module, a first sequence of user inputs and a second sequence of user inputs by invoking an application programming interface (API) of an input device of the POS system;

transmitting, by the first module to the second module, data indicating the first sequence of user inputs, the transmitting causing the second module to enter a state appropriate for receiving the tip amount; and

transmitting, by the first module to the second module, data indicating the second sequence of user inputs, the second sequence of user inputs representing the tip amount that the consumer input into the personal communication device; and

updating, by the second module, data of the electronic payment transaction to reflect the tip amount.

2. A method as recited in claim 1, wherein the input device is a touchscreen display.

3. A method as recited in claim 1, wherein the input device is a keyboard or keypad.

4. A method comprising:

causing a user interface of a point-of-sale (POS) system of a merchant to display first information that identifies a plurality of persons who occupy customer-service roles on behalf of the merchant;

receiving, at the POS system, a message sent by a remote payment service system via a network, the message indicating a tip amount associated with an electronic payment transaction between a consumer and the merchant, the message having been transmitted to the POS system by the remote payment service system in response to the consumer having input the tip amount into a personal communication device;

in response to the message, communicating the tip amount from a first module in the POS system to a second module in the POS system, wherein said communicating includes, without user input locally at the POS system;

simulating, by the first module, a first sequence of user inputs and a second sequence of user inputs by invoking an application programming interface (API) of an input device of the POS system;

transmitting, by the first module to the second module, data indicating the first sequence of user inputs, the transmitting causing the second module to enter a state appropriate for receiving the tip amount;

transmitting, by the first module to the second module, data indicating the second sequence of user inputs, the second sequence of user inputs representing the tip amount that the consumer input into the personal communication device; and

causing the second module to update data of the electronic payment transaction to reflect the tip amount;

causing the user interface of the POS system to display second information about the electronic payment transaction, the second information including the tip amount, and further causing the user interface to display a prompt to select one of the plurality of persons as a person to whom the tip amount should be credited;

receiving a user input at the user interface selecting one of the plurality of persons as the person to whom the tip amount should be credited; and

in response to the user input, causing a message to be sent from the POS system via a network to the remote payment service system, to prompt the remote payment service system to initiate an electronic transfer of funds corresponding to the tip amount to an account of the person to whom the tip amount should be credited.

5. A method as recited in claim 4, wherein each of the plurality of persons has preregistered with the remote payment service system to receive payments electronically.

6. A method comprising:

receiving, at a point-of-sale (POS) system, a message from a remote processing system, the message being related to an electronic payment transaction that has been authorized between a consumer and a merchant, the message indicating a tip amount specified by the consumer for the electronic payment transaction, the message having been transmitted to the POS system by the remote processing system in response to the consumer having input the tip amount into a personal communication device;

in response to receiving the message, causing data representing the tip amount to be communicated to a receiving entity at the POS system to cause the receiving entity at the POS system to update data of the electronic payment transaction to reflect the tip amount, wherein said communicating includes, without user input locally at the POS system;

simulating, by a module of the POS system, a first sequence of user inputs and a second sequence of user inputs by invoking an application programming interface (API) of an input device of the POS system;

transmitting, by the module of the POS system to a primary POS application of the POS system, data indicating the first sequence of user inputs, the transmitting causing the primary POS application to enter a state appropriate for receiving the tip amount; and

transmitting, by the module of the POS system to the primary POS application, data indicating the second sequence of user inputs, the second sequence of user inputs representing the tip amount that the consumer input into the personal communication device.

7. A method as recited in claim 6, wherein the causing data representing the tip amount to be communicated to a receiving entity at the POS system comprises causing an output device of the POS system to indicate the tip amount to a human user.

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

receiving, at the POS system and responsive to the output device indicating the tip amount to the human user, user inputs to a user input device of the POS system, the user inputs specifying a total amount for the electronic payment transaction, wherein the total amount includes the tip amount.

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

receiving, at the POS system, user input responsive to the tip amount being indicated to the user, the user input specifying a person to whom the tip amount should be credited; and

in response to the user input, causing a message to be sent from the POS system to the remote processing system, to prompt the remote processing system to initiate an electronic transfer of funds corresponding to the tip amount to an account of the person.

10. A method as recited in claim 6, wherein the module of the POS system is separate from the primary POS application of the POS system.

11. A method as recited in claim 6, wherein the input device is a touchscreen display.

12. A method as recited in claim 6, wherein the input device is a keyboard or keypad.

13. A non-transitory machine-readable storage medium storing code that, when executed by a processor in a point-of-sale (POS) system of a merchant, causes the POS system to perform operations comprising:

detecting that a message has been received by the POS system from a remote payment service system, the message indicative of a payment transaction that has been authorized between a consumer and the merchant, the message indicating a tip amount specified by the consumer for the payment transaction, the tip amount having been input by the consumer into a communication device associated with the consumer; and

in response to detecting the message, causing data representing the tip amount to be communicated to a receiving entity at the POS system, wherein said communicating includes, without user input locally at the POS system, the communicating comprising;

simulating, by a module of the POS system, a first sequence of user inputs and a second sequence of user inputs by invoking an application programming interface (API) of an input device of the POS system;

transmitting, by the module of the POS system to a primary POS application, data indicating the first sequence of user inputs, the transmitting causing the primary POS application to enter a state appropriate for receiving the tip amount; and

transmitting, by the module of the POS system to the primary POS application, data indicating the second sequence of user inputs, the second sequence of user inputs representing the tip amount that the consumer input into the communication device; and

causing the receiving entity at the POS system to update data of the payment transaction to reflect the tip amount.

14. A non-transitory machine-readable storage medium as recited in claim 13, wherein said causing data representing the tip amount to be communicated to a receiving entity at the POS system comprises causing an output device of the POS system to indicate the tip amount to a human user.

15. A non-transitory machine-readable storage medium as recited in claim 14, said operations further comprising:

receiving, at the POS system and responsive to the output device of the POS system indicating the tip amount the human user, user inputs to a user input device of the POS system, the user inputs specifying a total amount for the payment transaction, wherein the total amount includes the tip amount.

16. A non-transitory machine-readable storage medium as recited in claim 15, said operations further comprising:

receiving, at the POS system, user input responsive to the tip amount being indicated to the user, the user input specifying a person to whom the tip amount should be credited; and

in response to the user input responsive to the tip amount being indicated to the user, causing a message to be sent from the POS system to the remote payment service system, to prompt the remote payment service system to initiate an electronic transfer of funds corresponding to the tip amount to an account of the person.

17. A non-transitory machine-readable storage medium as recited in claim 13, wherein the module of the POS system is separate from the primary POS application of the POS system.

18. A non-transitory machine-readable storage medium as recited in claim 13, wherein the input device is a touchscreen display.

19. A non-transitory machine-readable storage medium as recited in claim 13, wherein the input device is an API of a keyboard or keypad.

20. A point-of-sale (POS) system comprising:

a processor;

a communication interface, coupled to the processor, through which to receive a message sent over a network from a remote processing system, the message being related to a payment transaction that has been authorized between a consumer and a merchant, the message indicating a tip amount for the payment transaction, the tip amount having been specified by the consumer; and

a storage device coupled to the processor and storing a primary POS application executable by the processor, the primary POS application configured to process payment transactions, including to receive card data resulting from card read events from a card reader and to cause the card data to be sent to a remote authorization entity over a network in response to the card read events;

the storage device further storing code which, when executed by the processor, enables the POS system to respond to the message by causing data representing the tip amount to be communicated to a receiving entity at the POS system, wherein said communicating includes, without user input locally at the POS system;

simulating, by a module of the POS system, a first sequence of user inputs and a second sequence of user inputs by invoking an application programming interface (API) of an input device of the POS system;

transmitting, by the module of the POS system to a primary POS application, data indicating the first sequence of user inputs, the transmitting causing the primary POS application to enter a state appropriate for receiving the tip amount;

transmitting, by the module of the POS system to the primary POS application, data indicating the second sequence of user inputs, the second sequence of user inputs representing the tip amount specified by the consumer; and

causing the receiving entity at the POS system to update data of the payment transaction to reflect the tip amount.

21. A POS system as recited in claim 20, wherein said causing data representing the tip amount to be communicated to a receiving entity at the POS system comprises causing an output device of the POS system to indicate the tip amount to a human user.

22. A POS system as recited in claim 21, the storage device further storing code which, when executed by the processor, enables the POS system to:

receive user inputs via a user input device of the POS system and responsive to said causing the output device of the POS system to indicate the tip amount to the human user, the user inputs specifying a total amount for the payment transaction, wherein the total amount includes the tip amount.

23. A POS system as recited in claim 21, the storage device further storing code which, when executed by the processor, enables the POS system to:

receive user input responsive to the tip amount being indicated to the user, the user input specifying a person to whom the tip amount should be credited; and

in response to the user input responsive to the tip amount being indicated to the user, cause a message to be sent from the POS system to the remote processing system, to prompt the remote processing system to initiate an electronic transfer of funds corresponding to the tip amount to an account of the person.

24. A POS system as recited in claim 20, wherein the module of the POS system is separate from the primary POS application of the POS system.

25. A POS system as recited in claim 20, wherein the input device is a touchscreen display.

26. A POS system as recited in claim 20, wherein the input device is a keyboard or keypad.