US 12,437,283 B2
Point of sale terminal of a mobile device
Hong Liu, Union City, CA (US); and Keshav A. Narsipur, Phoenix, AZ (US)
Assigned to AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC., New York, NY (US)
Filed by American Express Travel Related Services Company, Inc., New York, NY (US)
Filed on Apr. 22, 2024, as Appl. No. 18/642,560.
Application 18/642,560 is a continuation of application No. 17/371,256, filed on Jul. 9, 2021, granted, now 11,995,632.
Application 17/371,256 is a continuation of application No. 15/365,598, filed on Nov. 30, 2016, abandoned.
Prior Publication US 2024/0273503 A1, Aug. 15, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/202 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/204 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/36 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/4014 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A system, comprising:
a mobile device comprising a processor and a memory, the mobile device being associated with a consumer; and
a personal point of sale (POS) application stored in the memory that, when executed by the processor, causes the mobile device to at least:
receive an activation command from a service system to accept a payment for a transaction associated with a merchant system, the service system being configured to process a respective payment for the transaction involving the merchant system and the consumer;
display a user interface for receiving payment information from a physical payment instrument or a digital wallet executed on the mobile device based at least in part on the activation command instructing the personal POS application to display the user interface, the digital wallet retrieving the payment information based at least in part on an account holder verification input received by the digital wallet, the account holder verification being compared to a stored account holder verification in the mobile device;
generate a payment token for the transaction based at least in part on the payment information received from the physical payment instrument or the digital wallet, the payment token comprising a first identifier for the transaction, a second identifier associated with the merchant system, and a third identifier associated with a transaction account associated with the consumer;
generate a cryptogram for securing the payment token from unauthorized alteration based at least in part on a computation that includes a payment credential and data associated with the transaction, the payment credential being received the physical payment instrument or the digital wallet; and
transmit the cryptogram for the transaction to the service system.