Decoding systems with a decoding engine running on a mobile device and coupled to a payment system

• US 9,824,350 B2
• Filed: 10/18/2013
• Issued: 11/21/2017
• Est. Priority Date: 10/13/2010
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Dorsey, Jack, Henderson, William, Grassadonia, Brian, McKelvey, James M., Wen, Xuancong
• Primary Examiner(s): Tran, Hai
• Application Number:
  US14/057,088
• Publication Number:
  US 20140144983A1
• Time in Patent Office: 1,495 Days
• Field of Search: 705 44, 705235, 705449
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/3567 Software being in the reader
• 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Abstract

A decoding system with a decoding engine running on a tablet. The decoding engine decodes signals produced from a read of a buyer'"'"'s financial transaction card, accepts and initializes incoming signals from a read of a buyer'"'"'s financial transaction card until the signals reach a steady state, detects the read of the buyer'"'"'s financial transaction card once the incoming signals are in a steady stat, identifies peaks in the incoming signals and digitizes the identified peaks in the incoming signals into bits. A transaction engine runs on the tablet and is coupled to the decoding engine. A payment system is in communication with the transaction engine and with a buyer'"'"'s financial transaction card institution or a first party'"'"'s financial account.

Claims

1. A decoding system, comprising:

a decoding engine running on a mobile device, the decoding engine being configured to decode and digitize signals produced from a read of a buyer'"'"'s financial transaction card through a card reader coupled to the mobile device;

a transaction engine running on the mobile device and coupled to the decoding engine, the transaction engine being configured to process a financial transaction between the buyer and a merchant through a payment system using information describing the buyer'"'"'s financial transaction card, wherein the buyer'"'"'s financial transaction card information is not shared with the merchant; and

the transaction engine configured to receive a card reader identifier from the card reader, and to transmit the card reader identifier to the payment system, wherein the payment system is configured to complete the financial transaction based at least in part on the card reader identifier.

2. The decoding system of claim 1 wherein the decoding engine is configured to detect the read of the buyer'"'"'s financial transaction card by accepting and initializing incoming signals from the read of the buyer'"'"'s financial transaction card until the signals reach a steady state, detecting the read of the buyer'"'"'s financial transaction card once the incoming signals are in the steady state, identifying peaks in the incoming signals, and digitizing the identified peaks into a plurality of bits.

3. The decoding system of claim 1 wherein incoming signals are generated by swiping the buyer'"'"'s financial transaction card through the card reader.

4. The decoding system of claim 3 wherein the decoding engine is configured to decode and digitize incoming signals that are below a threshold quality due to one or more of:

low quality read from a single track of a magnetic stripe of the financial transaction card, a read from a low density track of the magnetic stripe of the financial transaction card, sampling speed limitations of the mobile device, and noise in the mobile device.

5. The decoding system of claim 1 wherein the decoding engine in operation detects the read of the buyer'"'"'s financial transaction card by evaluating points in incoming signals that exceed a minimum signal amplitude threshold.

6. The decoding system of claim 1 wherein the decoding engine in operation detects the read of the buyer'"'"'s financial transaction card by capturing signals of interest in incoming signals using Fast Fourier Transform (FFT).

7. The decoding system of claim 1 wherein the decoding engine in operation detects peaks in incoming signals to be resistant to ringing in the incoming signals.

8. The decoding system of claim 1 wherein the decoding engine in operation detects peaks in incoming signals to be resistant to scratches in the card that cause slow quality or false peak information to manifest in the incoming signals.

9. The decoding system of claim 1 wherein the decoding engine in operation detects peaks in incoming signals by looking for local maxima and minima within a window of digital samples.

10. The decoding system of claim 1 wherein the decoding engine in operation identifies a track from which data of incoming signals are read through the read of the buyer'"'"'s financial transaction card when only one track of data in a magnetic stripe of the buyer'"'"'s financial transaction card is read.

11. The decoding system of claim 1 wherein the decoding engine in operation digitizes identified peaks in incoming signals into bits only by checking and comparing polarities of peaks.

12. The decoding system of claim 1 wherein the decoding engine in operation combines various peak detection and digitization approaches to cover various ranges of degradation in quality of signals.

13. The decoding system of claim 1 wherein the decoding engine in operation chooses and optimizes different process combinations and parameters depending on a hardware platform of the mobile device.

14. The decoding system of claim 1 wherein the decoding engine in operation scales and adjusts decoding to account for at least one of:

different amounts of noise, sampling speed variations, signal ringing, and a swipe direction of the buyer'"'"'s financial transaction card when the buyer'"'"'s financial card is swiped through a slot of the card reader.