US 11,694,178 B2
Embedded card reader security
Murat Cat, Vaughan (CA); Murtaza Munaim, Fremont, CA (US); Gokhan Aydeniz, Mississauga (CA); and Conrad Rushing, Brooklyn, NY (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., San Francisco, CA (US)
Filed on Feb. 23, 2021, as Appl. No. 17/183,149.
Prior Publication US 2022/0270064 A1, Aug. 25, 2022
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/206 (2013.01) [G06Q 20/4012 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
configuring a point of sale (POS) application installed on a mobile device to utilize an embedded card reader (ECR) of the mobile device;
configuring the POS application to utilize a touchscreen display of the mobile device;
configuring the POS application to:
receive, based at least in part on an interaction between the ECR and the mobile device, a personal account number (PAN) from the ECR;
send the PAN to a payment processing service that is remote from the mobile device; and
receive an personal identification number (PIN) from the touchscreen display;
receiving, at the POS application and based at least in part on the interaction between the ECR and the mobile device, the PAN for a transaction;
sending the PAN to the payment processing service along with a default PIN associated with the payment processing service;
removing, by the POS application and based at least in part on sending the PAN and default PIN to the payment processing service, the PAN from the mobile device before requesting the PIN;
rendering, based at least in part on the PAN being removed from the mobile device, a PIN user interface;
receiving, at the POS application and utilizing the PIN user interface, the PIN; and
completing the transaction based at least in part on receiving the PAN and the PIN.