US 12,125,018 B2
Terminal for conducting electronic transactions
Jonathan Stewart Vokes, London (GB); and Nicholas Telford-Reed, London (GB)
Assigned to Worldpay Limited, London (GB)
Filed by Worldpay Limited, London (GB)
Filed on Nov. 21, 2018, as Appl. No. 16/197,628.
Application 16/197,628 is a continuation of application No. 15/887,506, filed on Feb. 2, 2018, granted, now 11,651,347.
Claims priority of application No. 1701816 (GB), filed on Feb. 3, 2017.
Prior Publication US 2019/0108506 A1, Apr. 11, 2019
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06F 21/34 (2013.01); G06F 21/57 (2013.01); G06Q 20/10 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G07F 7/08 (2006.01); H04W 12/04 (2021.01); H04W 12/06 (2021.01); H04B 5/77 (2024.01); H04W 4/80 (2018.01); H04W 12/67 (2021.01); H04W 12/71 (2021.01)
CPC G06Q 20/3223 (2013.01) [G06F 21/577 (2013.01); G06Q 20/102 (2013.01); G06Q 20/32 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3265 (2020.05); G06Q 20/327 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/352 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/40975 (2013.01); G07F 7/0873 (2013.01); H04W 12/04 (2013.01); H04W 12/06 (2013.01); G06F 21/34 (2013.01); H04B 5/77 (2024.01); H04W 4/80 (2018.02); H04W 12/67 (2021.01); H04W 12/71 (2021.01)] 20 Claims
OG exemplary drawing
 
1. A computer implemented method for processing payment transactions initiated from a payment terminal application of a mobile electronic device, the method comprising:
receiving at a server, over an electronic network, an authentication request to authenticate an identity of a merchant operating the payment terminal application of the mobile electronic device, the authentication request comprising user credentials of a user linked to the merchant received via a user input module of the mobile electronic device;
authenticating, at the server, the identity of the merchant if the user credentials received over the electronic network from the mobile electronic device are validated;
in response to authenticating the identity of the merchant, transmitting, one or more encryption keys from a payment switch of the server to the payment terminal application of the mobile electronic device;
receiving, by the payment terminal application of the mobile electronic device, the one or more encryption keys;
in response to receiving the one or more encryption keys, provisioning, in a volatile storage module on the mobile electronic device, a software card acceptance device (SCAD) instance using the one or more encryption keys, the provisioning comprising provisioning the mobile electronic device to emulate a payment terminal;
executing, on the mobile electronic device, the payment terminal application to take an electronic payment, the executing comprising communicating with a payment instrument to obtain payment instrument data from the payment instrument via a wireless communication module of the mobile electronic device;
encrypting, by the mobile electronic device, the payment instrument data of the payment instrument using the one or more encryption keys;
receiving at the server, over the electronic network and from the mobile electronic device, the encrypted payment instrument data based on the mobile electronic device emulating the payment terminal to take the electronic payment via the payment terminal application that is executing on the mobile electronic device by communicating with the payment instrument to obtain the payment instrument data from the payment instrument via the wireless communication module of the mobile electronic device; and
processing a payment transaction at the server based on the payment instrument data received from the wireless communication module of the mobile electronic device and the identity authenticated based on the user credentials.