US 12,333,515 B2
Electronic payment processing
Steven Hadley, Sydney (AU); and Jason Chisholm, Syndey (AU)
Assigned to mx51 Pty Ltd, Melbourne (AU)
Appl. No. 16/349,157
Filed by mx51 Pty Ltd, Melbourne (AU)
PCT Filed Nov. 14, 2017, PCT No. PCT/AU2017/051250
§ 371(c)(1), (2) Date May 10, 2019,
PCT Pub. No. WO2018/090083, PCT Pub. Date May 24, 2018.
Claims priority of application No. 2016904662 (AU), filed on Nov. 15, 2016; and application No. 2017902912 (AU), filed on Jul. 25, 2017.
Prior Publication US 2020/0193408 A1, Jun. 18, 2020
Int. Cl. G06Q 20/20 (2012.01); G06F 9/54 (2006.01); G06Q 20/38 (2012.01)
CPC G06Q 20/206 (2013.01) [G06F 9/54 (2013.01); G06Q 20/202 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/385 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A transaction system comprising:
a payment terminal, the payment terminal comprising:
a payment application for processing transaction requests; and
a web server application implementing a websocket protocol for client-server communication over a communication channel with a plurality of further transaction system devices, wherein the payment terminal is configured to additionally communicate as a client with an acquirer server; and
a plurality of point-of-sale (POS) systems, wherein each point of sale (POS) system:
is one of the said plurality of further transaction system devices;
is configured to make a connection request to the webserver application implementing a websocket protocol, to establish a web services bidirectional communication link between the payment terminal and the POS system over the web services bidirectional communication link; and
is configured to send, over the web services bidirectional communication link, transaction requests to the payment terminal, and
wherein the payment terminal is configured to, in response to the connection request:
implement a pairing process with the POS system over a network, the pairing process establishing a trusted relationship between the payment terminal and the POS system whereby the transaction requests are encrypted in accordance with an encryption protocol between the payment terminal and the POS system, wherein the pairing process includes the payment terminal receiving, at the webserver application implementing a websocket protocol over the web services bidirectional communication link, a pair request message from the POS system and communicating, by the web server application implementing a websocket protocol, the pair request message to the payment application via one or more APIs for processing by the payment terminal;
generate a first code from an element of the encryption protocol, the first code generated in response to the pair request message received from the POS system, wherein the element of the encryption protocol is known by the POS system;
display during the pairing process, on a display of the payment terminal, the first code that is generated using the element of the encryption protocol so that the first code is able to be independently generated as a second code by the POS system with which the payment terminal is pairing, but not able to be independently generated by other devices;
cause the display of the second code on a display of the POS system of the plurality of POS systems; and
receive user input, via a physical user interface of the payment terminal, the user input indicating the first code displayed by the payment terminal and the second code displayed by the POS system match, wherein completion of the pairing process to establish the trusted relationship is responsive to and dependent on receiving the user input indicating the first code and the second code match.