Low cost method and system to enable an unattended device to accept card present transactions
US11200565B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Dec 30, 2019 |
| Grant date | Dec 14, 2021 |
| Priority date | — |
| Expiry date | Dec 30, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/401
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Enabling an unattended device to accept card present transactions comprises establishing short-range wireless communication between the unattended device and an application on a mobile device of a cardholder. The unattended device includes a card reader and wireless interface. The unattended device receives a transaction amount for a transaction between the cardholder and the unattended device. The card reader on the unattended device reads account information from a payment card of the cardholder presented to the card reader. The unattended device encrypts the account information and the transaction amount to generate encrypted transaction data. The unattended device transmits the encrypted transaction data to the application on the mobile device using the short-range wireless communication for forwarding to a payment processing network using a network link of the mobile device. The unattended device receives an authorization response forwarded to the unattended device by the application from the payment processing network.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.