36 - Financial, insurance and real estate services
Goods & Services
Bill payment services provided through a website; Providing an internet website portal in the field of financial transaction and payment processing services; Electronic processing of insurance claims and payment data; Payment processing services in the field of insurance and government benefits payments; Reimbursement payment processing in the field of insurance and government benefits claims; Bill payment services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Providing secure financial transactions and payment options; Mobile payment processing services, namely, credit card and debit card transaction processing services via mobile electronic devices; Providing information regarding policy rates for all types of insurance and electronic processing of insurance claims and payment data over a web based computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Magnetically encoded gift cards; software for designing physical and digital gift cards and for tracking gift card sales; computer hardware and software systems for point of sale systems, payment transactions, funds transfer, restaurant management, restaurant kitchen management, restaurant delivery management, issuing gift cards, issuing store credit, tracking gift card sales, and computerized financial services; mobile application for payment processing; downloadable electronic gift cards; self-service computer hardware and software for placing orders and processing payments for orders. (1) Electronic bank account transactions; computerized financial services and information, consultation, and advisory services relating to transaction services and point-of-sale payment systems; issuance of prepaid gift cards; accounts receivables financing; electronic credit card transactions; payment processing services, namely, credit card, debit card, and gift card transaction processing services; financing services; electronic debit transactions; electronic payment, in particular, electronic processing and transmission of payment data utilizing mobile devices; services for making and processing payment transactions with credit cards, debit cards, gift cards, bank accounts, and other forms of payments; electronic payment, namely, electronic processing and transmission of payment data utilizing mobile devices; merchant services, namely, payment transaction processing services; conducting of financial transactions; financial data analysis; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; bill payment services.
(2) Cloud services relating to provision of point-of-sale services; computer support services, including in relation to software for transactions, information, consultations, and advisory services relating to software as a service, including software as a service for transactions; hosting of software as a service; software as a service (SaaS) featuring computer software for point-of-sale services and other transactions, placing and processing orders, restaurant management, restaurant kitchen management, restaurant delivery management, designing physical and digital gift cards, issuing gift cards, issuing store credit, tracking gift card sales, and obtaining and managing business financing.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Magnetically encoded gift cards; software for designing
physical and digital gift cards and for tracking gift card
sales; computer hardware and software systems for point of
sale systems, payment transactions, funds transfer,
restaurant management, restaurant kitchen management,
restaurant delivery management, issuing gift cards, issuing
store credit, tracking gift card sales, and computerized
financial services; mobile application for payment
processing; downloadable electronic gift cards; self-service
computer hardware and software for placing orders and
processing payments for orders. Electronic bank account transactions; computerized financial
services and information, consultation, and advisory
services relating to transaction services and point-of-sale
payment systems; issuance of prepaid gift cards; accounts
receivables financing; electronic credit card transactions;
payment processing services, namely, credit card, debit
card, and gift card transaction processing services;
financing services; electronic debit transactions;
electronic payment, in particular, electronic processing and
transmission of payment data utilizing mobile devices;
services for making and processing payment transactions with
credit cards, debit cards, gift cards, bank accounts, and
other forms of payments; electronic payment, namely,
electronic processing and transmission of payment data
utilizing mobile devices; merchant services, namely, payment
transaction processing services; conducting of financial
transactions; financial data analysis; financial transaction
services, namely, providing secure commercial transactions
and payment options using a mobile device at a point of
sale; bill payment services. Cloud services relating to provision of point-of-sale
services; computer support services, including in relation
to software for transactions, information, consultations,
and advisory services relating to software as a service,
including software as a service for transactions; hosting of
software as a service; software as a service (SaaS)
featuring computer software for point-of-sale services and
other transactions, placing and processing orders,
restaurant management, restaurant kitchen management,
restaurant delivery management, designing physical and
digital gift cards, issuing gift cards, issuing store
credit, tracking gift card sales, and obtaining and managing
business financing.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
magnetically encoded gift cards; downloadable and recorded software for designing physical and digital gift cards and for tracking gift card sales; systems comprised of Computer hardware and downloadable and recorded software systems for operating point of sale systems, enabling payment transactions, funds transfer, restaurant business management, restaurant kitchen management, restaurant delivery management, issuing gift cards, issuing store credit, tracking gift card sales, and enabling computerized financial services; downloadable mobile application for payment processing; downloadable electronic gift cards; self-service computer hardware and downloadable and recorded software for placing orders and processing payments for orders Online banking services being electronic bank account transactions; online banking services being computerized financial services and information, consultation, and advisory services relating to transaction services and point-of-sale payment systems; issuance of prepaid gift cards; accounts receivables financing; electronic credit card transaction processing services; payment processing services, namely, credit card, debit card, and gift card transaction processing services; financing services; electronic debit card transaction processing services; Electronic payment, in particular, electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments and subsequent transmission of payment data utilizing mobile devices; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments, namely services for making and processing payment transactions with credit cards, debit cards, gift cards, bank accounts, and other forms of payments; electronic payment, namely, electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments and subsequent transmission of payment data utilizing mobile devices; merchant services, namely, payment transaction processing services; conducting of financial transactions namely, providing secure commercial transactions and payment options; financial data analysis; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; bill payment services cloud storage and hosting services relating to electronic payment processing data from the provision of point-of-sale services; computer technology support services being help desk services for software for processing payment transactions; computer software consultancy in particular information, consultations, and advisory services relating to software as a service for performing payment processing transactions; Software as a service (SAAS) services in the nature of hosting cloud-based software of others; Software as a Service (SaaS) featuring computer software for enabling point-of-sale services and financial transactions, placing and processing orders, restaurant business management, restaurant kitchen management, restaurant delivery management, designing physical and digital gift cards, issuing gift cards, issuing store credit, tracking gift card sales, and obtaining and managing business financing
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware and software systems for point of sale systems featuring cash registers, payment terminals, receipt printers, and/or barcode scanners; downloadable computer application software for mobile phones, namely, software for payment acceptance and payment processing; Downloadable computer software for transmitting emails from a subscriber list; Electronic and magnetic ID cards for use in connection with payment for services; Downloadable computer software for use in customer relationship management (CRM); Downloadable computer software applications for restaurant management; downloadable software for inventory management; Interactive computer kiosk systems comprised primarily of computers, computer hardware, computer peripherals, and computer touchscreens for use in ordering and purchasing goods and services; cash registers; not including such goods for use with dispensing machines, namely, amusement apparatus or casino apparatus and not including the goods in this class in the field of transport and logistics. Business management; invoicing services; customer relationship management; Restaurant management for others; inventory management; Customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes. Merchant services, namely, payment transaction processing services; electronic payment, namely, electronic processing and transmission of payment data utilizing mobile devices; financing services; issuance of prepaid gift cards; Providing extended warranties on point of sale systems; check acceptance services; electronic check acceptance services; financial data analysis; payment verification services; installment loans; Financial services, namely, electronic remote check deposit services; merchant banking services; not including monetary transaction services related to gaming services. Software as a service (SAAS) featuring computer software for point-of-sale services; Computer services, namely, integration of computer software into multiple systems and networks; Providing temporary use of non-downloadable computer software for preparing invoices over computer networks, intranets and the internet; Providing a website featuring on-line non-downloadable software that enables users to transmit emails from a subscriber list; Application service provider, namely, hosting, managing, developing, analyzing, and maintaining applications, software and web sites of others in the fields of financial and business management services; Providing temporary use of online, non-downloadable software for customer relationship management, customer engagement, and promotion; Providing temporary use of online, non-downloadable software for restaurant management; providing temporary use of online, non-downloadable software for inventory management; Electronic monitoring of credit card activity to detect fraud via the internet; rental of computer hardware; not including any such services relating to amusement arcades or casinos and not including the services in this class in the field of transport and logistics.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware and downloadable and recorded software systems for a point of sale system for processing payment transactions, for electronic funds transfer, for managing business processes related to restaurant management, for managing business processes related to restaurant kitchen management, for managing business processes related to restaurant delivery management, for issuing gift cards, for issuing store credit, for tracking gift card sales, and for database management of computerized financial services; downloadable software in the nature of a mobile application for payment processing; self-service computer hardware and downloadable and recorded software for placing orders and processing payments for orders; magnetically encoded gift cards; downloadable electronic gift cards; downloadable and recorded software for designing physical and digital gift cards and for tracking gift card sales Electronic payment services, in particular, electronic processing and transmission of payment data utilizing mobile devices; electronic payment services for making and processing payment transactions with credit cards, debit cards, gift cards, bank accounts, and other forms of payments; processing electronic credit card transactions; processing electronic debit transactions; electronic bank account transactions, namely, electronic cash transactions, debit card transaction processing, credit card transaction processing, prepaid card transaction processing, and digital wallet transaction processing; merchant services, namely, electronic payment transaction processing services; electronic payment processing services, namely, credit card, debit card, and gift card transaction processing services; electronic payment, namely, electronic processing and transmission of payment data utilizing mobile devices; conducting of financial transactions, namely, providing secure commercial transactions and payment options; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; bill payment services; computerized financial electronic payment services and information, consultation, and advisory services relating to transaction services and point-of-sale payment systems; financing services; accounts receivables financing; issuance of prepaid gift cards; financial data analysis Software as a Service (SaaS) featuring computer software for use as a point-of-sale system for processing payment transactions, for placing and processing orders, for managing business processes related to restaurant management, for managing business processes related to restaurant kitchen management, for managing business processes related to restaurant delivery management, for designing physical and digital gift cards, for issuing gift cards, for issuing store credit, for tracking gift card sales, and for obtaining and managing business financing; software as a service (SAAS) services, namely, hsosting software for use by others for use as a point-of-sale system for processing payment transactions, for placing and processing orders, for managing business processes related to restaurant management, for managing business processes related to restaurant kitchen management, for managing business processes related to restaurant delivery management, for designing physical and digital gift cards, for issuing gift cards, for issuing store credit, for tracking gift card sales, and for obtaining and managing business financing; cloud services relating to provision of point-of-sale services, namely, cloud storage services for electronic data; computer technical support services, namely, help desk services in relation to software for electronic payment transactions; and information, consultations, and advisory services relating to software as a service for transactions
8.
Shared controller for system with multiple NFC readers
This disclosure relates to systems with multiple NFC front ends and at least one shared controller. One disclosed system includes a first discrete device having a first near field communication (NFC) controller, a second discrete device having a second NFC controller, a communicative connection between the first discrete device and the second discrete device, and a system controller located on the first discrete device. The system controller is communicatively connected to the first NFC controller. The system controller is connected to the second NFC controller via the communicative connection. In specific approaches, the second discrete device can include a display which is also controlled by the system controller, and the system controller is NCI compliant and application aware. In specific approaches, the system controller can control the second NFC controller based on the content concurrently being provided to the display.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
9.
TOUCH SCREEN DEVICE FOR ENTERING DATA USING AUDITORY SIGNALS
A device includes a display and one or more processors that cause a speaker associated with the device to serially recite a plurality of auditory cues. Each of the plurality of auditory cues corresponds to one of a set of characters, and each recitation of the plurality of auditory cues occurs at a predetermined time period. The one or more processors also receive a touch input on the display from a user during the recitation of the plurality of auditory cues, determine a character from the set of characters that corresponds to the touch input based on the predetermined time period, and store the character as a value in a sequence of user-specific information.
Methods and systems related to distributing payment keys to multiple discrete devices in a point of sale (POS) system are disclosed. One method includes storing a payment key on a first discrete device for a POS system and a public key certificate on a second discrete device for the POS system. The method also includes communicatively connecting the first discrete device with the second discrete device using a wire, transmitting the public key certificate from the second discrete device to the first discrete device using the wire, and verifying the public key certificate on the first discrete device. The method also includes finalizing a secure connection between the first discrete device and the second discrete device over the wire using a transport layer secure (TLS) protocol after the public key certificate is verified.
This disclosure relates to systems with multiple NFC front ends and at least one shared controller. One disclosed system includes a first discrete device having a first near field communication (NFC) controller, a second discrete device having a second NFC controller, a communicative connection between the first discrete device and the second discrete device, and a system controller located on the first discrete device. The system controller is communicatively connected to the first NFC controller. The system controller is connected to the second NFC controller via the communicative connection. In specific approaches, the second discrete device can include a display which is also controlled by the system controller, and the system controller is NCI compliant and application aware. In specific approaches, the system controller can control the second NFC controller based on the content concurrently being provided to the display.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
12.
Multi-use near field communication front end on a point of sale system
Methods and systems related to near field communication (NFC) front ends for point of sale terminals are disclosed. One point of sale system includes an applications microprocessor programmed to: (i) instantiate an operating system for the point of sale system and (ii) generate a set of data packets. The system also includes a discrete microcontroller communicatively coupled with the applications microprocessor and programmed to: (i) selectively operate in an unsecure mode and a secure mode; and (ii) filter, when operating in the unsecure mode, the set of data packets received from the applications microprocessor using a filter and a whitelist for the filter. The system also includes a near field communication front end communicatively coupled to the discrete microcontroller and an antenna, for transmitting a near field communication signal based on information from the set of data packets via the antenna.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
13.
Dual device point of sale system using short-range wireless connection
Methods and systems are disclosed that provide enhanced flexibility to merchants in the configuration of POS systems. One disclosed system includes a payment interface device having a first display, a means for receiving payment information, and a first payment flow display service (PFDS). The system also includes a display device having a second display and a second PFDS. The system also includes a secure wireless connection formed by a first short-range wireless protocol (SRWP) module on the payment interface device and a second SRWP module on the display device. The first and second PFDSs conduct an exchange of messages over the secure wireless connection to execute a payment flow.
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable mobile application for facilitating order and payment processing services in the field of card-present and card-not-present transactions; downloadable mobile application for facilitating payment processing services for credit card, debit card, gift card, and digital wallet payments; recorded and downloadable software for financial data analysis; downloadable mobile application to allow users to search, identify and redeem loyalty reward offers, to search, and identify items in inventory and the amounts of items in inventory, check availability of concert tickets and tickets for shows and sporting events and related merchandise, and to search and analyze business data in the fields of customer contact information, website traffic statistics and in the field of inventory management and control, and downloadable application programming interface financial technology (fintech) software used for collecting financial information, metadata and metrics of customers; downloadable mobile application for facilitating self-serve ordering of food, beverages, alcoholic beverages, and general merchandise sold at sports events and concerts, namely clothing, headwear, concert programs, event programs, jewellery, sports memorabilia and music memorabilia via a physical kiosk with interactive touchscreen terminal; Interactive computer kiosk systems comprised primarily of computers, computer hardware, computer peripherals, computer software, and computer touchscreens for use in ordering and purchasing food, beverages, and general merchandise; pointof-sale hardware and software, namely electronic point of sale (epos) systems comprising computer hardware and computer software for processing electronic payments, and card readers and point-of-sale terminals for accepting, processing and managing in-person payment transactions, and point-of-sale computer hardware and software for inventory management for use in the retail store industry; downloadable application software for mobile phones to allow users to view menu selections of items that can be ordered and pay for items desired to be purchased by scanning a quick response code, and computer software applications for ordering food, beverages, alcoholic beverages, and general merchandise sold at concerts, shows and sporting events, namely clothing, headwear, concert programs, event programs, jewellery, sports memorabilia and music memorabilia; recorded and downloadable computer software for collecting and analyzing financial information of customers (1) Payment processing services in the field of card-present and card-not-present transactions in the nature of credit cards, debit cards, prepaid cards, gift cards, and digital wallets; payment processing services for credit card, debit card, gift card, and digital wallet payments; payment authorization services, namely, credit card, debit card, gift card, and digital wallet authorization services; financial data analysis
(2) SaaS services for facilitating order and payment processing services in the field of card-present and cardnot-present transactions; SaaS services for facilitating payment processing services for credit card, debit card, gift card, and digital wallet payments; SaaS services featuring software to allow users to search, identify and redeem loyalty reward offers, to check availability of concert tickets and tickets for shows and sporting events and related merchandise, and downloadable application programming interface financial technology (fintech) software used for collecting financial information, metadata and metrics of customers; SaaS services for facilitating self-serve ordering of food, beverages, alcoholic beverages, and general merchandise sold at sports events and concerts, namely clothing, headwear, concert programs, event programs, jewellery, sports memorabilia and music memorabilia, via a physical kiosk with interactive touchscreen terminal; consultancy services in the field of electronic point-of-sale (epos) computer hardware and software; SaaS software to allow users to receive, process, and manage orders online
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable mobile application for facilitating payment processing services in the field of card-present and card-not-present transactions; downloadable mobile application for facilitating payment processing services for credit card, debit card, gift card, and digital wallet payments; recorded and downloadable software for financial data analysis (1) Payment processing services in the field of card-present and card-not-present transactions in the nature of credit cards, debit cards, prepaid cards, gift cards, and digital wallets; payment processing services for credit card, debit card, gift card, and digital wallet payments; payment authorization services, namely, credit card, debit card, gift card, and digital wallet authorization services; financial data analysis
(2) Software-as-a-Service ("SaaS") services featuring software for facilitating payment processing services in the field of card-present and card-not-present transactions; Software-as-a-Service ("SaaS") services featuring software for facilitating payment processing services for credit card, debit card, gift card, and digital wallet payments; Software-as-a-Service ("SaaS") services featuring software for financial data analysis; computer security services in the nature of threat analysis for protecting data and information from unauthorized access
16.
Advanced hardware system for self service checkout kiosk
Methods and systems for providing an advanced hardware system for a self-service kiosk are disclosed herein. In specific embodiments of the invention, a payment interface device is provided. The device includes an integrated touch display, a means for receiving payment information, and a casing holding the integrated touch display and the means for receiving payment information. The device also includes an applications microprocessor and a secure microprocessor located within the casing. The applications microprocessor instantiates an operating system and stores instructions for execution by the operating system for operative communication with a peripheral bar code scanner and a peripheral display. The secure microprocessor stores instructions to encrypt payment information for the system and is in operative communication with the means for receiving payment information.
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
Systems and methods are provided for adjusting point of sale (POS) interfaces. In some embodiments, a POS device includes a display. The display is configured to present a user interface, the user interface having a first interface and a second interface. The first interface has a first set of functionalities that is prevented from being accessible in the second interface.
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06F 1/16 - Constructional details or arrangements
This disclosure relates to systems with multiple NFC front ends and at least one shared controller. One disclosed system includes a first discrete device having a first near field communication (NFC) controller, a second discrete device having a second NFC controller, a communicative connection between the first discrete device and the second discrete device, and a system controller located on the first discrete device. The system controller is communicatively connected to the first NFC controller. The system controller is connected to the second NFC controller via the communicative connection. In specific approaches, the second discrete device can include a display which is also controlled by the system controller, and the system controller is NCI compliant and application aware. In specific approaches, the system controller can control the second NFC controller based on the content concurrently being provided to the display.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
Methods and systems are disclosed that provide enhanced flexibility to merchants in the configuration of POS systems. One disclosed system includes a payment interface device having a first display, a means for receiving payment information, and a first payment flow display service (PFDS). The system also includes a display device having a second display and a second PFDS. The system also includes a secure wireless connection formed by a first short-range wireless protocol (SRWP) module on the payment interface device and a second SRWP module on the display device. The first and second PFDSs conduct an exchange of messages over the secure wireless connection to execute a payment flow.
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
Systems, and associated methods, involving both a trusted and an untrusted device where sensitive data or keys are shared between those devices are disclosed. A disclosed method includes storing a key in a secure memory on a first device, receiving sensitive data via a user interface on a second device, generating a set of white box encryption instructions based on the key using a white box encryption generator on the first device, generating a complete data representation of the set of white box encryption instructions using a secure processor on the first device, transmitting the complete data representation from the first device to the second device, and encrypting the sensitive data using the complete data representation on the second device. The complete data representation is not Turing complete and is not executable with respect to the second device.
H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Methods and systems for providing an advanced hardware system for a self-service kiosk are disclosed herein. In specific embodiments of the invention, a payment interface device is provided. The device includes an integrated touch display, a means for receiving payment information, and a casing holding the integrated touch display and the means for receiving payment information. The device also includes an applications microprocessor and a secure microprocessor located within the casing. The applications microprocessor instantiates an operating system and stores instructions for execution by the operating system for operative communication with a peripheral bar code scanner and a peripheral display. The secure microprocessor stores instructions to encrypt payment information for the system and is in operative communication with the means for receiving payment information.
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
An external biometric reader and verification device for providing access control to a computing device, and associated methods, are disclosed. The external reader can store and verify biometrics under the control of the computing device and send identity verification messages to the computing device. One disclosed device includes a biometric reader communicatively connected to an external secure microcontroller. The external secure microcontroller stores a set of biometric data and a signing key. The signing key can be injected by a device manufacturer in a controlled key injection room in a manufacturing facility and can be used to sign a certificate. An operating system of the computing device can be programmed to send a request for the certificate, receive the certificate, and predicate control of access to the operating system using the verification messages on verification of the certificate.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Systems and methods for provisioning secure terminals for secure transactions are disclosed herein. A disclosed method includes generating a key using a key generator element on a secure terminal and sending a key validation request for the key from the secure terminal to a provisioning device. The method also includes parsing the key validation request and generating a key validation for the key and a trusted time stamp on the provisioning device. The method also includes sending, from the provisioning device, the key validation and the trusted time stamp to the secure terminal. The method also includes setting a clock on the secure terminal using the trusted time stamp and storing the key validation at the secure terminal.
H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Methods and systems for processing secure information are disclosed. One method includes receiving secure data from a user via an input device. The method also includes routing the secure data to a secure processor using a hardware multiplexer. The method also includes processing the secure data using the secure processor. The method also includes receiving non-secure data from the user via the input device. The method also includes routing the non-secure data to a second processor using the hardware multiplexer. The method also includes processing the non-secure data using the second processor. The method also includes altering a routing state of the hardware multiplexer using the secure processor. The routing state of the hardware multiplexer is only controlled by the secure processor.
Methods and systems for providing an advanced hardware system for a self-service kiosk are disclosed herein. In specific embodiments of the invention, a payment interface device is provided. The device includes an integrated touch display, a means for receiving payment information, and a casing holding the integrated touch display and the means for receiving payment information. The device also includes an applications microprocessor and a secure microprocessor located within the casing. The applications microprocessor instantiates an operating system and stores instructions for execution by the operating system for operative communication with a peripheral bar code scanner and a peripheral display. The secure microprocessor stores instructions to encrypt payment information for the system and is in operative communication with the means for receiving payment information.
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
Methods and systems related to near field communication (NFC) front ends for point of sale terminals are disclosed. One point of sale system includes an applications microprocessor programmed to: (i) instantiate an operating system for the point of sale system and (ii) generate a set of data packets. The system also includes a discrete microcontroller communicatively coupled with the applications microprocessor and programmed to: (i) selectively operate in an unsecure mode and a secure mode; and (ii) filter, when operating in the unsecure mode, the set of data packets received from the applications microprocessor using a filter and a whitelist for the filter. The system also includes a near field communication front end communicatively coupled to the discrete microcontroller and an antenna, for transmitting a near field communication signal based on information from the set of data packets via the antenna.
G06Q 20/00 - Payment architectures, schemes or protocols
G06G 1/12 - Devices in which computing is effected by adding, subtracting, or comparing lengths of parallel or concentric graduated scales characterised by the graduation logarithmic graduations, e.g. for multiplication
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
A computer-implemented method for an extensible point-of-sale device is disclosed. The method includes registering a third-party application to be notified of a transaction change on the point-of-sale device. The method also includes displaying a user interface to a user during a purchase transaction on a display of the point-of-sale device using one of a register module and a payment module. The method also includes receiving the transaction change via the user interface of the point-of-sale device. The method also includes broadcasting the transaction change to a set of registered applications that includes the third-party application. The method also includes taking an action that modifies the purchase transaction using the third-party application in response to the broadcasting.
An external biometric reader and verification device for providing access control to a computing device, and associated methods, are disclosed. The external reader can store and verify biometrics under the control of the computing device and send identity verification messages to the computing device. One disclosed device includes a biometric reader communicatively connected to an external secure microcontroller. The external secure microcontroller stores a set of biometric data and a signing key. The signing key can be injected by a device manufacturer in a controlled key injection room in a manufacturing facility and can be used to sign a certificate. An operating system of the computing device can be programmed to send a request for the certificate, receive the certificate, and predicate control of access to the operating system using the verification messages on verification of the certificate.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A dual mode payment interface device having a touch display and alternatively operating in a first mode and a second mode and an associated dual mode system are disclosed. The first mode provides access to a merchant system interface (MSI) on the touch display and provides access to a customer system interface (CSI) on the touch display. The second mode provides access to a CSI on the touch display and does not provide access to the MSI on the touch display. The system also includes a merchant display device having a second touch display. The merchant display device provides access to the MSI on the second touch display. The system also includes a wire that provides a communicative connection between the dual mode payment interface device and the merchant display device. The second mode is enabled by the communicative connection.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06F 3/147 - Digital output to display device using display panels
A dual mode payment interface device has a touch display and alternatively operates in a first mode and a second mode. The first mode provides access to a merchant system interface (MSI) on the touch display and provides access to a customer system interface (CSI) on the touch display. The second mode provides access to a CSI on the touch display and does not provide access to the MSI on the touch display. The system also includes a merchant display device having a second touch display. The merchant display device provides access to the MSI on the second touch display. The system also includes a wire that provides a communicative connection between the dual mode payment interface device and the merchant display device. The second mode is enabled by the communicative connection.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06F 3/147 - Digital output to display device using display panels
Methods and systems related to the use of tokenization services in payment processing systems are disclosed. The methods and systems include token translation services, token maps used as the basis for customer data models, specific approaches for securing the token maps and associated data, and the efficient storage of the token maps and associated data to facilitate enhanced payments experiences and analytics. One method includes transmitting a tokenization request with an encrypted payment account number from a POS to a tokenization service, receiving a token from the tokenization service in response to the tokenization request, salting the token with data to produce a salted token, encrypting the salted token using a secure processor on the POS, mapping the encrypted salted token to the payment account number in a map, and storing the map and the encrypted salted token in a memory on the secure processor on the POS.
Systems and methods for provisioning secure terminals for secure transactions are disclosed herein. A disclosed method includes generating a key using a key generator element on a secure terminal and sending a key validation request for the key from the secure terminal to a provisioning device. The method also includes parsing the key validation request and generating a key validation for the key and a trusted time stamp on the provisioning device. The method also includes sending, from the provisioning device, the key validation and the trusted time stamp to the secure terminal. The method also includes setting a clock on the secure terminal using the trusted time stamp and storing the key validation at the secure terminal.
H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
35.
Multi-use near field communication front end on a point of sale system
Methods and systems related to near field communication (NFC) front ends for point of sale terminals are disclosed. One point of sale system includes an applications microprocessor programmed to: (i) instantiate an operating system for the point of sale system and (ii) generate a set of data packets. The system also includes a discrete microcontroller communicatively coupled with the applications microprocessor and programmed to: (i) selectively operate in an unsecure mode and a secure mode; and (ii) filter, when operating in the unsecure mode, the set of data packets received from the applications microprocessor using a filter and a whitelist for the filter. The system also includes a near field communication front end communicatively coupled to the discrete microcontroller and an antenna, for transmitting a near field communication signal based on information from the set of data packets via the antenna.
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
Systems, and associated methods, involving both a trusted and an untrusted device where sensitive data or keys are shared between those devices are disclosed. A disclosed method includes storing a key in a secure memory on a first device, receiving sensitive data via a user interface on a second device, generating a set of white box encryption instructions based on the key using a white box encryption generator on the first device, generating a complete data representation of the set of white box encryption instructions using a secure processor on the first device, transmitting the complete data representation from the first device to the second device, and encrypting the sensitive data using the complete data representation on the second device. The complete data representation is not Turing complete and is not executable with respect to the second device.
H04L 9/14 - Arrangements for secret or secure communicationsNetwork security protocols using a plurality of keys or algorithms
H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Methods and systems related to provisioning a secure connection are disclosed. One disclosed method includes storing a device secret on a secure element in a first device, storing a mapping from the device secret to a device identifier of the first device on a cloud architecture, generating a pairing key using a first connection protocol key generator on the secure element and the device secret, and generating the pairing key using a second connection protocol key generator on the cloud architecture and the device secret. The method also includes transmitting the pairing key from the cloud architecture to a second device in response to receiving the device identifier, mutually authenticating the first and second device using the pairing key, and adding the secure connection to the inter-device connection using the pairing key as stored on the first device and as stored on the second device.
Systems and methods are provided for adjusting point of sale (POS) interfaces. In some embodiments, a POS device includes a display. The display is configured to present a user interface, the user interface having a first interface and a second interface. The first interface has a first set of functionalities that is prevented from being accessible in the second interface.
G06Q 20/00 - Payment architectures, schemes or protocols
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 1/16 - Constructional details or arrangements
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
Methods and systems related to near field communication (NFC) front ends for point of sale terminals are disclosed. One point of sale system includes an NFC front end communicatively coupled to an antenna, a discrete microcontroller (DM) communicatively coupled thereto, and an applications microprocessor (AP) communicatively coupled to the DM. The DM stores a first software stack for a first NFC protocol, a second software stack for a second NFC protocol, and instructions to process a digitized NFC signal from the NFC front end with the first software stack. The AP stores instructions to instantiate an operating system for the point of sale system, instantiate a master NFC service, and transmit a remote procedure call from the master NFC service to the DM to switch between the first software stack and the second software stack.
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
Methods and systems related to distributing payment keys to multiple discrete devices in a point of sale (POS) system are disclosed. One method includes storing a payment key on a first discrete device for a POS system and a public key certificate on a second discrete device for the POS system. The method also includes communicatively connecting the first discrete device with the second discrete device using a wire, transmitting the public key certificate from the second discrete device to the first discrete device using the wire, and verifying the public key certificate on the first discrete device. The method also includes finalizing a secure connection between the first discrete device and the second discrete device over the wire using a transport layer secure (TLS) protocol after the public key certificate is verified.
Systems, and associated methods, involving both a trusted and an untrusted device where sensitive data or keys are shared between those devices are disclosed. A disclosed method includes storing a key in a secure memory on a first device, receiving sensitive data via a user interface on a second device, generating a set of white box encryption instructions based on the key using a white box encryption generator on the first device, generating a complete data representation of the set of white box encryption instructions using a secure processor on the first device, transmitting the complete data representation from the first device to the second device, and encrypting the sensitive data using the complete data representation on the second device. The complete data representation is not Turing complete and is not executable with respect to the second device.
H04L 9/14 - Arrangements for secret or secure communicationsNetwork security protocols using a plurality of keys or algorithms
H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Methods and systems related to automatically crawling an application are disclosed. One such method includes navigating to an application interface using an application crawler and a sequence of commands, analyzing the application interface to find a set of user interface elements on the application interface, determining a set of commands that will interact with the user interface elements on the application interface, and pushing each command in the set of commands onto a stack individually along with the sequence of commands. The method also comprises popping a new sequence of commands from the stack. The new sequence of commands is a command in the set of commands in sequence with the sequence of commands. The method also comprises iteratively repeating the navigating, analyzing, determining, and pushing steps with the new sequences of commands that are generated via each previous iteration of those steps.
G06F 11/36 - Prevention of errors by analysis, debugging or testing of software
G06F 17/27 - Automatic analysis, e.g. parsing, orthograph correction
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
Methods and systems for determining the status of a packaged device are disclosed. The device can include a secure microcontroller, a battery, a memory storing a status code, and an NFC antenna located in the device and communicatively coupled to the secure microcontroller. A set of instructions are stored on the secure microcontroller to write the status code to the memory. The status code is accessible from outside the sealed package via the antenna. The device could also be a POS device with instructions to process payment information received on the antenna. The apparatus could also include a power routing switch. Power could then be provided from the antenna to the battery via the switch output when the switch is in a conductive state.
G06F 1/14 - Time supervision arrangements, e.g. real time clock
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
H04L 9/14 - Arrangements for secret or secure communicationsNetwork security protocols using a plurality of keys or algorithms
48.
Method for computer system stress analysis using nominal input data sets of increasing size
This disclosure regards computer system stress analysis using nominal input data. A disclosed method includes applying a first nominal input data set to a computer system, processing the first data set to generate a first output data set, obtaining a count of a number of calls to a linear function block during the generation of the first output data set, and associating, in a memory, the count of the number of calls with a size of the first data set to produce a first data point. The method also includes repeating the aforementioned steps with two additional nominal input data sets of increasing size thus producing a second and a third data point in addition to the first. The method also includes generating a stress index value for the computer system using the first data point, the second data point, and the third data point.
Embodiments of the present invention enable near field communication (NFC) through a touch display. Some embodiments include specialized touch displays with lower electromagnetic dissipation factors than standard touch displays. Some embodiments include methods and devices for detecting the activation or deactivation of NFC communication using the touch display and adapting the touch display to that activation or deactivation. Disclosed techniques for adapting the touch display include optimizing the behavior of the touch display for operation in the face of electromagnetic interference when NFC is activated and conducting a partial recalibration of the touch display when NFC is deactivated.
This disclosure includes biometrically secured networked devices with enhanced privacy protection. One system includes a first biometrically secured device having a first sensor, and a second biometrically secured device having a second sensor. The first device is programmed to: (i) obtain a first sample of a first biometric using the first sensor; (ii) generate a secret biometrically derived key using the first sample of the first biometric; (iii) encrypt a set of biometric data using the secret biometrically derived key; and (iv) transmit the set of encrypted biometric data to the second biometrically secured device. The second device is programmed to: (i) obtain a second sample of the first biometric using the second sensor; (ii) generate the secret biometrically derived key using the second sample of the first biometric; and (iii) decrypt the set of biometric data using the secret biometrically derived key.
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Methods and systems for processing secure information are disclosed. One method includes receiving secure data from a user via an input device. The method also includes routing the secure data to a secure processor using a hardware multiplexer. The method also includes processing the secure data using the secure processor. The method also includes receiving non-secure data from the user via the input device. The method also includes routing the non-secure data to a second processor using the hardware multiplexer. The method also includes processing the non-secure data using the second processor. The method also includes altering a routing state of the hardware multiplexer using the secure processor. The routing state of the hardware multiplexer is only controlled by the secure processor.
Methods and systems for processing secure information are disclosed. One method includes receiving secure data from a user via an input device. The method also includes routing the secure data to a secure processor using a hardware multiplexer. The method also includes processing the secure data using the secure processor. The method also includes receiving non-secure data from the user via the input device. The method also includes routing the non-secure data to a second processor using the hardware multiplexer. The method also includes processing the non-secure data using the second processor. The method also includes altering a routing state of the hardware multiplexer using the secure processor. The routing state of the hardware multiplexer is only controlled by the secure processor.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
(1) Computer hardware and software systems for point of sale systems comprising software for the operation and control of a point of sale machine, computer monitor, computer printer, and computer peripheral.
(2) Computer hardware and software systems, namely, computer hardware and software for point of sale terminals, credit, debit and bill payment transactions, electronic funds transfer and computerized financial services, namely, printing, emailing and texting bill payment receipts, computer application software for mobile devices, namely, software for use in providing business performance and consumer intelligence analytics; digital materials, namely, downloadable application software for mobile phones, tablets, and personal computers, namely, software for displaying and accessing stored value, prepaid, and gift cards featuring money for ecommerce and retail; computer application software for mobile phones, tablets, and personal computers, namely, software for enabling the exchange of stored value, prepaid, and gift card value with other users; software enabling customers to upload physical stored value, prepaid, and gift card value and payment cards into a single card management terminal; mobile software applications for mobile phones and tablets, namely, software for conducting financial transactions, namely, credit, debit and bill payment transactions, electronic funds transfer and printing, emailing and texting bill payment receipts; mobile software applications for mobile phones and tablets, namely, software for facilitating financial transactions, namely, storing, purchasing, transferring, and redeeming stored value, prepaid, and gift card value; software for use with customer loyalty programs which provide incentives at the point of sale and customer relationship management; software for use with marketing programs which promote and market the goods and services of others by distributing advertising material, coupons and discount offers via electronic communication networks. (1) Business management.
(2) Providing a web-based online portal featuring commercial sales information, sales transactions and accounts receivable information and business analytical reports for retailers, financial institutions, processors and independent sales organizations; marketing services, namely, conducting consumer tracking behavior research and consumer trend analysis; providing business intelligence reporting; Providing market intelligence services; business services, namely, providing distribution channels in the nature of an online marketplace for stored value, prepaid, and gift cards; promoting the sale of goods and services of others by awarding purchase points for credit card use and through the administration of incentive award programs; direct marketing of the goods and services of others; developing promotional campaigns for business for others; providing a website featuring an online marketplace for exchanging stored value, prepaid, and gift card value and payment cards with other users; administration of a customer loyalty program which provides incentives at the point of sale and customer relationship management; promoting and marketing the goods and services of others by distributing advertising material, coupons and discount offers via electronic communication networks.
(3) Electronic payment services involving electronic processing and subsequent transmission of bill payment data; merchant services, namely payment transaction processing services.
(4) Bill payment transaction processing services; credit, debit and bill payment transaction and electronic funds transfer processing services; electronic bill payment services; computerized financial management services; and information, consultation and advisory services namely, credit, debit and bill payment transactions and point-of-sale payment systems; merchant services, namely, credit, debit and bill payment transaction processing services; electronic payment, namely, electronic processing and transmission of credit, debit and bill payments utilizing mobile devices; electronic payment services involving electronic processing and subsequent transmission of bill payment data; check verification, credit recovery and collection services; check authorization services; check acceptance services; check guarantee services; credit, debit and bill payment processing and automatic bill payment deduction services for customers; commission payment and check guarantee services for cellular retailers; financial risk management services; processing recurrent bill and loan payments and automatically deducting such bill and loan payments from bank accounts for customers; fraud control services in the nature of correcting bank information on checks presented for payment; check processing charge services by telephone and over a global computer network and related check fraud screening services; computer services, namely, providing an interactive computer database which features merchant records involving check-related transactions and check authorizations; Reliability investigation and reporting services, namely, making immediate personal responsibility and financial responsibility investigation and reports and check verification services; financial services, namely, electronic check acceptance services; on-line prepaid cards, prepaid gift card, prepaid stored value card and prepaid payment card services; foreign currency exchange services; Payment processing services, namely, charge card, credit card, prepaid card, gift card, stored value card and payment card transaction processing services; electronic charge card, credit card, prepaid card, prepaid gift card, prepaid stored value card and prepaid payment card transaction processing services; Issuing charge cards, credit cards, prepaid cards, prepaid gift cards, prepaid stored value cards and prepaid payment cards; providing online information for merchants regarding guidelines and fees pertaining to credit card acceptance; payment processing services in the field of redemption of electronic coupon, deal discounts and incentive program awards for others.
(5) Providing electronic transmission of credit card transaction data and electronic bill payment data via a global computer network; telecommunications gateway services, namely, providing telecommunications links to a website and mobile and wireless devices providing electronic credit, debit and bill payment processing services.
(6) Software as a service (SAAS) provider, namely, SAAS featuring computer software for point-of-sale services and credit, debit and bill payment transactions; hosting of software as a service; cloud computing provider services namely, the provision of point-of-sale payment services; technical support services in the form of troubleshooting of computer hardware and software problems in the field of credit, debit and bill payment transactions; information, consultation and advisory services in the field of software as a service provider, namely software as a service for credit, debit and bill payment transactions; application service provider featuring application programming interface (API) software for electronic bill and loan payment transaction processing and account creation; designing, creating, maintaining, and hosting electronic commerce websites for others; On-line security services, namely, providing security and anonymity for electronically transmitted credit card transactions; Platform as a service (PAAS) featuring computer software platforms for electronic bill and loan payment transaction applications; software as a service (SAAS) provider featuring software for use to conduct electronic credit, debit and bill payment transaction processing and provide management of electronic credit, debit and bill payment transactions; secure payment transaction services namely, providing encryption, decryption and tokenization services of payment card data; software as a service (SAAS) provider featuring software for conducting business performance and consumer intelligence analytics; Reliability investigation and reporting services - namely, making immediate personal responsibility and financial responsibility investigations and reports; software as a service (SAAS) provider featuring software for customer loyalty programs which provide incentives at the point of sale and customer relationship management; software as a service (SAAS) provider featuring software for marketing programs which promote and market the goods and services of others by distributing advertising material, coupons and discount offers via electronic communication networks.
(7) Computerized security services, namely, electronically monitoring, detecting and reporting on suspicious and abnormal patterns of point of sale activity indicating theft, fraud, or other criminal activity; fraud detection services in the field of payment transactions where a physical card is not presented; monitoring of electronic credit, debit and bill payment transactions for security purposes.
A point-of-sale terminal that generates a radio frequency (RF) field through a flat panel display and touchscreen is disclosed. The point of sale device includes a touchscreen, a display positioned behind the touchscreen, and an antenna located behind the display. The antenna can be entirely within the lateral extent of the touchscreen. The antenna can be mounted to the display via a layer of adhesive or mounted to a support frame. The antenna generates the RF field above the touchscreen.
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
G06F 3/044 - Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means by capacitive means
Various methods and devices that involve biometrically secured networked devices with enhanced privacy protection are disclosed. For example, a computer-implemented method for onboarding a first biometrically secured device to a network is disclosed. The method comprises generating an asymmetric key pair, transmitting the public key to a second device, and receiving an encrypted master encryption key from the second device. The master key is encrypted with the public key. The method also comprises decrypting the encrypted master encryption key using the private key and receiving an encrypted set of biometric data. The encrypted set of biometric data is a set of biometric data that is encrypted with the master encryption key. The method also comprises storing the set of biometric data on a memory of the first device. The set of biometric data uniquely identifies at least two users that are registered to use both the first and second devices.
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Embodiments of the present invention enable near field communication (NFC) through a touch display. Some embodiments include specialized touch displays with lower electromagnetic dissipation factors than standard touch displays. Some embodiments include methods and devices for detecting the activation or deactivation of NFC communication using the touch display and adapting the touch display to that activation or deactivation. Disclosed techniques for adapting the touch display include optimizing the behavior of the touch display for operation in the face of electromagnetic interference when NFC is activated and conducting a partial recalibration of the touch display when NFC is deactivated.
Various methods and devices that involve tuning filters are disclosed. A disclosed method for tuning a filter comprises trimming a center frequency of the filter. The method also comprises trimming an input signal magnitude of the filter. The method also comprises measuring a performance metric of the filter after trimming the center frequency of the filter and the input signal magnitude of the filter. The method also comprises repeating the trimming steps and the measuring step until the filter is tuned for a first physical test condition. A disclosed device that includes a filter also includes first and second trimming circuits that trim the center frequency and input signal magnitude of the filter. A disclosed system includes a motor to transfer a transmitting device from a first physical test condition to a second physical test condition relative to a proximity coupling device with a filter.
Embodiments of the present invention enable near field communication (NFC) through a touch display. Some embodiments include specialized touch displays with lower electromagnetic dissipation factors than standard touch displays. Some embodiments include methods and devices for detecting the activation or deactivation of NFC communication using the touch display and adapting the touch display to that activation or deactivation. Disclosed techniques for adapting the touch display include optimizing the behavior of the touch display for operation in the face of electromagnetic interference when NFC is activated and conducting a partial recalibration of the touch display when NFC is deactivated.
Various methods and devices that involve character recognition on a touch display, or other input device, are disclosed. Some of these may facilitate the recognition of characters that are input by people with physical impairments such as those with limited eyesight. A disclosed free-hand character recognition device comprises: an input device having stroke detection circuitry to accept input data from a user; a character recognition engine instantiated using a processing system and a data store; and a network connection to a server. The device additionally comprises a memory storing instructions to: conduct an unobtrusive user recognition procedure to obtain a user identifier from the user; download a cipher from the server to the data store using the network connection and the user identifier; and generate a prediction vector using the character recognition engine, the input data, and the cipher.
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06K 9/46 - Extraction of features or characteristics of the image
G06K 9/48 - Extraction of features or characteristics of the image by coding the contour of the pattern
G06K 9/62 - Methods or arrangements for recognition using electronic means
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
63.
Extensible point-of-sale platforms and associated methods
A computer-implemented method for an extensible point-of-sale device is disclosed. The method includes registering a third-party application to be notified of a transaction change on the point-of-sale device. The method also includes displaying a user interface to a user during a purchase transaction on a display of the point-of-sale device using one of a register module and a payment module. The method also includes receiving the transaction change via the user interface of the point-of-sale device. The method also includes broadcasting the transaction change to a set of registered applications that includes the third-party application. The method also includes taking an action that modifies the purchase transaction using the third-party application in response to the broadcasting.
Systems and methods are provided for adjusting point of sale (POS) interfaces. In some embodiments, a POS device includes a memory, a display and a sensor. The memory is configured to store data and computer-executable instructions. The display is configured to present a user interface, the user interface having a first interface and a second interface. The sensor is configured to detect an adjustment in a physical position of the POS device from a first position and from a second position. The first interface is presented in the first position and the second interface is presented in the second position. The first interface has a first set of functionalities that is prevented from being accessible in the second interface.
G06Q 20/00 - Payment architectures, schemes or protocols
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06F 1/16 - Constructional details or arrangements
A computer-implemented method for pairing a point of sale printer with a client device, using two-way identification, is disclosed. The method comprises receiving, using the point of sale printer and a wireless communication protocol, a request to pair the point of sale printer. The method also comprises deriving, using the point of sale printer, the client device, and a device pairing protocol, a shared secret at the client device and the point of sale printer. The method also comprises printing, using the point of sale printer and upon deriving the shared secret, client device association information on a printout. The method also comprises receiving, using the client device and the printout, the client device association information. The method also comprises associating the point of sale printer and the client device using the client device association information as received using the client device.
Methods and systems for processing secure information are disclosed. One method includes receiving secure data from a user via an input device. The method also includes routing the secure data to a secure processor using a hardware multiplexer. The method also includes processing the secure data using the secure processor. The method also includes receiving non-secure data from the user via the input device. The method also includes routing the non-secure data to a second processor using the hardware multiplexer. The method also includes processing the non-secure data using the second processor. The method also includes altering a routing state of the hardware multiplexer using the secure processor. The routing state of the hardware multiplexer is only controlled by the secure processor.
Various methods and devices that involve tuning filters are disclosed. A disclosed method for tuning a filter comprises trimming a center frequency of the filter. The method also comprises trimming an input signal magnitude of the filter. The method also comprises measuring a performance metric of the filter after trimming the center frequency of the filter and the input signal magnitude of the filter. The method also comprises repeating the trimming steps and the measuring step until the filter is tuned for a first physical test condition. A disclosed device that includes a filter also includes first and second trimming circuits that trim the center frequency and input signal magnitude of the filter. A disclosed system includes a motor to transfer a transmitting device from a first physical test condition to a second physical test condition relative to a proximity coupling device with a filter.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
Goods & Services
Computer hardware and software systems for point of sale systems comprising software for the operation and control of a point of sale machine, computer monitor, computer printer, and computer peripheral Business management Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Merchant services, namely, payment transaction processing services
Techniques are disclosed relating to facilitating transactions via mobile devices. In one embodiment, an account that is linked to a mobile telephone number of a mobile device is established at a computer system. In such an embodiment, the account permits a user to make and receive payments, and is not accessible without using the mobile device. In some embodiments, the account is established without setting up a username and password. In one embodiment, a request is sent from a payment application of the mobile device to the computer system. In some embodiments, the payment application is made active on the mobile device in response to a user input within a different application running on the mobile device. After the payment application is active, a purchase is confirmed within the payment application such that the request is sent responsive to the confirming and without authenticating the user within the payment application.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Techniques are disclosed relating to facilitating transactions via mobile devices. In one embodiment, an account that is linked to a mobile telephone number of a mobile device is established at a computer system. In such an embodiment, the account permits a user to make and receive payments, and is not accessible without using the mobile device. In some embodiments, the account is established without setting up a username and password. In one embodiment, a request is sent from a payment application of the mobile device to the computer system. In some embodiments, the payment application is made active on the mobile device in response to a user input within a different application running on the mobile device. After the payment application is active, a purchase is confirmed within the payment application such that the request is sent responsive to the confirming and without authenticating the user within the payment application.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware and software systems for point of sale systems feature cash registers, payment terminals, receipt printers and/or barcode scanners; not including such goods for use with dispensing machines, namely, amusement apparatus or casino apparatus and not including the goods in this class in the field of transport and logistics. Merchant services, namely, payment transaction processing services; not including monetary transaction services related to gaming services. Software as a service (SAAS) featuring computer software for point-of-sale services; not including any such services relating to amusement arcades or casinos and not including the services in this class in the field of transport and logistics.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware and software systems for point of sale systems. Merchant services, namely, payment transaction processing services. Software as a service (SAAS) featuring computer software for point-of-sale services.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware and software systems for point of sale systems. (1) Software as a service (SAAS) featuring computer software for point-of-sale services.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware and software systems for point of sale systems featuring cash registers, payment terminals, receipt printers and/or barcode scanners; not including such goods for use with dispensing machines, namely, amusement apparatus or casino apparatus and not including the goods in this class in the field of transport and logistics. Merchant services, namely, payment transaction processing services; not including monetary transaction services related to gaming services. Software as a service (SAAS) featuring computer software for point-of-sale services; not including any such services relating to amusement arcades or casinos and not including the services in this class in the field of transport and logistics.
Techniques and systems for selecting advertisements for dissemination over a network are disclosed. In one embodiment, an advertisement service stores information indicative of offers from merchants, including information indicating an amount of revenue that the offering merchant would be willing to share with the advertisement service if a consumer consummates a transaction with the merchant based on the good or service advertised in the offer. The service computes predicted conversion rates for these offers, and uses the predicted conversion rates and the revenue sharing information to select an advertisement for dissemination according to which advertisement is expected to generate the greatest amount of revenue for the advertisement service. The predicted conversion rate can be based on various features, including physical location of the consumer, the consumer's preferences on a third-party information sharing service, amount of discount reflected in the offer, the customer service rating of the merchant, etc.
