US 12,340,356 B2
Unattended mobile point of sale system
Michael Shmulevich, Thornhill (CA); Vladimir Krupnikov, Maple (CA); and Steve Epstein, Bradford (CA)
Assigned to SECURTER SYSTEMS INC., Bradford (CA)
Appl. No. 18/029,777
Filed by SECURTER SYSTEMS INC., Bradford (CA)
PCT Filed Oct. 5, 2021, PCT No. PCT/IB2021/059140
§ 371(c)(1), (2) Date Mar. 31, 2023,
PCT Pub. No. WO2022/074569, PCT Pub. Date Apr. 14, 2022.
Claims priority of provisional application 63/087,835, filed on Oct. 5, 2020.
Prior Publication US 2023/0385793 A1, Nov. 30, 2023
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/18 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/18 (2013.01) [G06Q 20/3263 (2020.05); G06Q 20/3276 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/352 (2013.01); G06Q 20/38215 (2013.01)] 33 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
submitting, by a first processor, a payment transaction through a network to a merchant website;
receiving, by a second processor, said payment transaction and directing said payment transaction to activate a widget program on said merchant website;
submitting, by said second processor, a payment transaction request from said widget program through said network to a backend application;
receiving, by a third processor, said payment transaction request, said backend application creates, by the third processor, a transaction identification number;
submitting, by said third processor, said transaction identification number through the network to said widget program;
receiving, by said second processor, said transaction identification number and directing said transaction identification number to said widget program;
converting, by said widget program, said transaction identification number into a matrix barcode and submitting said matrix barcode through the network to said first processor;
displaying, by said first processor, said matrix barcode on a first graphical user interface;
using a mobile computing device to scan said matrix barcode, said mobile computing device having a fourth processor, memory, a graphical user interface, a near field communication device, a mobile payment application, and an Europay, MasterCard, Visa (EMV) library, said EMV library being non-embedded in said mobile payment application;
converting, by said fourth processor, said matrix barcode into a request for payment by a payment card having a card microchip;
displaying, by said fourth processor, said request for payment on said mobile computing device graphical user interface by said mobile payment application;
placing said card microchip of said payment card in proximity to said near field communication (NFC) sensor, said card microchip communicates with said NFC sensor;
receiving instructions from the EMV library, by said fourth processor, the NFC sensor receives payment data from said card microchip;
submitting said payment data to said mobile application;
encrypting, by said fourth processor, said payment data and transaction identification number using a public key of said mobile computing app;
submitting, by said fourth processor, encrypted payment data and said transaction identification number through said network to said backend application;
receiving, by said third processor, encrypted payment data and said transaction identification number;
decrypting, by said third processor, encrypted payment data and said transaction identification number;
submitting, by said third processor, payment data to a payment service provider through the network;
receiving, by said third processors, from said payment service provider a transaction result;
sending, by said third processor, said transaction result, through said network to said second processor and said fourth processor;
sending, by said second processor, said transaction result through said network to said first processor;
receiving, by said fourth processor, said transaction result and displaying on said mobile computing device graphical user interface; and
receiving, by said first processor, transaction results and displaying on said second graphical user interface.