US 11,687,907 B2
Secure mobile checkout system
Adam Forrest Coverstone, Gainesville, FL (US); August John Horvath, Coral Springs, FL (US); Sai Prajnay Mitta, Plantation, FL (US); Jyothi Mohan, Weston, FL (US); Veerababu Motamarri, Plantation, FL (US); Subhani Patthan, Plantation, FL (US); Marko Rodriguez, Delray Beach, FL (US); Jared Hale Trinkler, Weston, FL (US); and Yan Yang, Coral Springs, FL (US)
Assigned to American Express Travel Related Services Co., Inc., New York, NY (US)
Filed by American Express Travel Related Services Company, Inc., New York, NY (US)
Filed on Jan. 18, 2022, as Appl. No. 17/578,163.
Application 17/578,163 is a continuation of application No. 16/161,812, filed on Oct. 16, 2018, granted, now 11,250,411.
Prior Publication US 2022/0138723 A1, May 5, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3227 (2013.01) [G06Q 20/208 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/401 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A method comprising:
determining, by a computing device executing a checkout services application program interface (API), a client device has entered a merchant location based at least in part on receiving a merchant identifier for the merchant location, wherein the client device is configured to determine the merchant identifier based at least in part on a location of the client device being within a geo-fence boundary for the merchant location;
receiving, by the computing device executing the checkout services API, scanned product data comprising a product identifier associated with a product and a user transaction account identifier, wherein the product identifier comprises at least one of a universal product code (UPC), a quick response (QR) Code, or a barcode;
retrieving, by the computing device executing the checkout services API, product data based at least in part on the merchant identifier, the product identifier, and a user profile of the client device, wherein the product data comprises a product price based at least in part on a product discount data associated with the user profile;
generating, by the computing device executing the checkout services API, a transaction data packet associated with a user-initiated transaction, wherein the transaction data packet comprises the merchant identifier, the product identifier, the product price, and the user transaction account identifier;
transmitting, by the computing device executing the checkout services API, over a computer network, the transaction data packet to a payment network,
storing, by the computing device executing the checkout services API, the transaction data packet;
retrieving, by the computing device executing the checkout services API, a transaction authorization from the payment network and authorization of the user-initiated transaction;
wherein the client device, in response to the transaction authorization, is configured to transmit a deactivation signal to a secure checkout device using at least one of near field communication (NFC), radio frequency identification (RFID), or Bluetooth; and
wherein the transaction authorization comprises an exit signal for deactivating a security system associated with an exit at the merchant location, and the exit signal comprises the product identifier to indicate that the product is allowed to exit the merchant location; and
transmitting, by the computing device executing the checkout services API, in response to the transaction authorization, the exit signal to the client device, wherein the client device is configured to deactivate the security system at the merchant location by transmitting the exit signal to the security system.