AU2021367385B1 - System and method for payment terminal optimization - Google Patents

Abstract

Attorney Docket Number: 1100-210022 Client Reference Number: 5451AU01 ABSTRACT OF THE DISCLOSURE A system includes a processor and a non-transitory computer readable medium coupled to the processor. The non-transitory computer readable medium includes code, that when executed by the processor, causes the processor to receive input from a user of a user device to generate an optimal payment location on an application display, generate a first boundary of the optimal payment location on the application display of the user device based upon a first motion of a payment enabled card in a first direction and generate a second boundary of the optimal payment location on the application display of the user device based upon a second motion of the payment enabled card in a second direction. The first boundary and the second boundary combine to form defining edges of the optimal payment location. 50

Description

SYSTEM AND METHOD FOR PAYMENT TERMINAL OPTIMIZATION BACKGROUND

[0001] The background description provided herein is for the purpose of generally

presenting the context of the disclosure. Work of the presently named inventors, to the

extent it is described in this background section, as well as aspects of the description that

may not otherwise qualify as prior art at the time of filing, are neither expressly nor

impliedly admitted as prior art against the present disclosure.

[0002] Traditional mobile devices are designed to operate primarily as communication devices

and secondarily as payment terminals. Furthermore, because users of mobile devices prefer

higher data transmission rates for high-quality video and internet applications, mobile devices

generally are not suited to operate as payment terminals in a payment system. This is especially

true for mobile devices that utilize near-field communication (NFC) systems, since NFC systems

are generally designed to operate at lower transmission data rates and transmit data within a few

centimeters. Therefore, a need exists to enable the development of mobile devices that operate

effectively as payment terminals.

[0003] A reference herein to a patent document or any other matter identified as prior art, is not

to be taken as an admission that the document or other matter was known or that the information

it contains was part of the common general knowledge as at the priority date of any of the

claims.

BRIEF SUMMARY OF THE INVENTION

[0004] According to an aspect of the present invention, there is provided a method, comprising:

determining, at a user device, a first boundary of an optimal payment location of a display of the

user device; and determining, at the user device, a second boundary of the optimal payment location of the display of the user device, wherein thefirst boundary and the second boundary combine to form defining edges of the optimal payment location.

[0005] According to another aspect of the present invention, there is provided a system,

comprising: a processor; and a non-transitory computer readable medium coupled to the

processor, the non-transitory computer readable medium comprising code, that when executed

by the processor, causes the processor to: receive input from a user of a user device to generate

an optimal payment location on an application display; generate a first boundary of the optimal

payment location on the application display of the user device based upon a first motion of a

payment enabled card in a first direction; and generate a second boundary of the optimal

payment location on the application display of the user device based upon a second motion of the

payment enabled card in a second direction, wherein the first boundary and the second boundary

combine to form defining edges of the optimal payment location.

[0006] According to yet another aspect of the present invention, there is provided a user device,

comprising: an application display; and a guide scan indicator located on the application display

of the user device, wherein based upon guidance of a payment enabled card by the guide scan

indicator along the user device, an optimal payment location is generated on the application

display.

BRIEF DESCRIPTION OF THE DRAWINGS

[0007] FIG. 1A is a block diagram illustrating a payment system in accordance with some

embodiments.

[0008] FIG. 1B is a block diagram illustrating a user device of FIG. 1 in accordance with some

embodiments.

[0009] FIGS. 2A - 2F illustrate a user device associated with the payment system in FIG. 1 in

various stages of performing payment terminal optimization in accordance with some

embodiments.

[0009a] FIG. 3 is a flow diagram illustrating a method for performing payment terminal

optimization techniques of FIG. 1 in accordance with some embodiments.

[0009b] FIGS. 4A - 4C illustrate a user device associated with the payment system in FIG. 1 in

various stages of performing payment terminal optimization in accordance with some

embodiments.

[0009c] FIG. 5 is a flow diagram illustrating a method for performing payment terminal

optimization techniques of FIG. 1 in accordance with some embodiments.

DETAILED DESCRIPTION

[0009d] FIGS. 1-5 illustrate systems and techniques that allow a user of a user device to

optimize the user device as a payment terminal in a payment system. A payment terminal

optimization application executed by the user device optimizes the user device by generating an

optimal payment location on an application display of the user device. In some embodiments, in

order to determine whether the payment terminal optimization application is capable of

optimizing the user device as a payment terminal, the payment terminal optimization application

performs a payment terminal verification of the user device. In some embodiments, during

payment terminal verification, the payment terminal optimization application ascertains whether

the user device is configured to operate as a payment terminal by assessing user device

information associated with the user device. The user device information includes information

related to whether the user device utilizes a payment-terminal-antenna configuration, such as, for

2a example, a near-field communication (NFC) antenna. In some embodiments, when the payment terminal optimization application determines that the user device utilizes a payment-terminal antenna configuration, the payment terminal optimization application proceeds to ascertain the optimal payment location on the application display of the user device.

2b

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

[0010] In some embodiments, in order to ascertain the optimal payment location on the

application display of the user device, the payment terminal optimization application requests

that the user of the user device utilize a guide scan indicator, which may be, for example, a

payment card image or a horizontal bar, located on the application display of the user device to

guide a payment enabled card along a back side of the user device. In some embodiments, the

payment enabled card is a contactless payment card, such as, for example, a credit card or debit

card, that utilizes short range communication during the payment process, such as, for example,

NFC. In some embodiments, the payment terminal optimization application scans the payment

enabled card and determines a set of boundaries, e.g., a first boundary and a second boundary, of

the optimal payment location on the application display of the user device. The payment terminal

optimization application combines the set of boundaries to form the defining edges of the

optimal payment location. Based on the scanning of the payment enabled card by the payment

terminal optimization application, the payment terminal optimization application determines the

optimal payment location on the application display of the user device. The payment terminal

optimization process described herein improves upon existing user devices that operate as

payment terminals by ascertaining the optimal placement location of the payment enabled card in

order to improve upon the customer experience by reducing the amount of time it takes the

customer to make a purchase of a product or service when tapping the user device.

[0011] As used herein, the term "account data," refers to any data concerning one or more

accounts for one or more users. Account data may include, for example, one or more account

identifiers, user identifiers, transaction histories, balances, credit limits, issuer institution

identifiers, and/or the like. As used herein, the term "account identifier" may include one or more

types of identifiers associated with auser account (e.g., a PAN, aprimary account number, a card

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number, a payment card number, a token, and/or the like). In some non-limiting embodiments,

an issuer institution may provide an account identifier (e.g., a PAN, a token, and/or the like) to a

user that uniquely identifies one or more accounts associated with that user. The account

identifier may be embodied on a payment device (e.g., a portable payment instrument, a

contactless payment enabled watch, a tablet, a phone, a payment card, a credit card, a debit

card, and/or the like) and/or may be electronic information communicated to the user that the user

may use for electronic payments. In some non-limiting embodiments, the account identifier may

be an original account identifier, where the original account identifier was provided to a user at

the creation of the account associated with the account identifier. In some non-limiting

embodiments, the account identifier may be an account identifier (e.g., a supplemental account

identifier) that is provided to a user after the original account identifier was provided to the user.

For example, if the original account identifier is forgotten, stolen, and/or the like, a supplemental

account identifier may be provided to the user. In some non-limiting embodiments, an account

identifier may be directly or indirectly associated with an issuer institution such that an account

identifier may be a token that maps to a PAN or other type ofidentifier. Account identifiers may

be alphanumeric, any combination of characters and/or symbols, and/or the like. An issuer

institution may be associated with a bank identification number (BIN) that uniquely identifies the

issuer institution.

[0012] As used herein, the term "acquirer" or "acquirer institution" may refer to an entity

licensed and/or approved by the transaction service provider to originate transactions (e.g.,

payment transactions) using a payment device associated with the transaction service provider.

The transactions the acquirer institution may originate may include payment transactions (e.g.,

purchases, original credit transactions (OCTs), account funding transactions (AFTs), and/orthe

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like). In some non-limiting embodiments, an acquirer institution may be a financial institution,

such as a bank. In some non-limiting embodiments, as used herein, the term "acquirer system"

may refer to one or more computer systems, computer devices, software applications, and/or the

like operated by or on behalf of an acquirer institution.

[0013] As used herein, the terms "communication" and "communicate" may refer to the

reception, receipt, transmission, transfer, provision, and/or the like of information (e.g., data,

signals, messages, instructions, commands, and/or the like). For one unit (e.g., a device, a

system, a component of a device or system, combinations thereof, and/or the like) to be in

communication with another unit means that the one unit is able to directly or indirectly receive

information from and/or transmit information to the other unit. This may refer to a direct or

indirect connection (e.g., a direct communication connection, an indirect communication

connection, and/or the like) that is wired and/or wireless in nature. Additionally, two units may be

in communication with each other even though the information transmitted may be modified,

processed, relayed, and/or routed between the first and second unit. For example, a first unit may

be in communication with a second unit even though the first unit passively receives information

and does not actively transmit information to the second unit. As another example, a first unit

may be in communication with a second unit if at least one intermediary unit (e.g., a third unit

located between the first unit and the second unit) processes information received from the first

unit and communicates the processed information to the second unit. In some non-limiting

embodiments, a message may refer to a network packet (e.g., a data packet, and/or the like) that

includes data. It will be appreciated that numerous other arrangements arepossible.

[0014] As used herein, the term "computing device", "communication device", or "user device"

may refer to one or more electronic devices configured to process data. A computing device may,

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in some examples, include the necessary components to receive, process, and output data, such as

a processor, a display, a memory, an input device, a network interface, and/or the like. A

computing device may be a mobile device. As an example, a mobile device or user device may

include a cellular phone (e.g., a smartphone or standard cellular phone), a portable computer, a

tablet, a wearable device (e.g., watches, glasses, lenses, clothing, and/or the like), a personal

digital assistant (PDA), and/or other like devices. A computing device may also be a desktop

computer or other form of non-mobile computer. As used herein, the term "user interface" or

"graphical user interface" refers to a generated display, such as one or more graphical user

interfaces (GUls) with which a user may interact, either directly or indirectly (e.g., through a

keyboard, mouse, touchscreen, etc.).

[0015] As used herein, the term "issuer institution" or "issuer host" may refer to one or more

entities, such as a bank, that provide accounts to customers for conducting transactions (e.g.,

payment transactions), such as initiating credit and/or debit payments. For example, an issuer

institution may provide an account identifier, such as a primary account number (PAN), to a

customer that uniquely identifies one or more accounts associated with that customer. The

account identifier may be embodied on a payment device, such as a physical financial

instrument, e.g., a payment card, and/or may be electronic and used for electronic payments.

[0016] In some embodiments, the term "issuer system" refers to one or more computer systems

operated by or on behalf of an issuer institution, such as a server computer executing one or more

software applications. For example, an issuer system may include one or more authorization

servers for authorizing a transaction.

[0017] As used herein, the term "merchant" may refer to an individual or entity that provides

goods and/or services, or access to goods and/or services, to customers based on a transaction,

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such as a payment transaction. As used herein, the term "merchant system" may refer to one or

more computer systems operated by or on behalf of a merchant, such as a server computer

executing one or more software applications.

[0018] As used herein, the term "point-of-sale (POS) system," may refer to one or more

computers and/or peripheral devices used by a merchant to engage in payment transactions with

customers, including one or more card readers, near-field communication (NFC) receivers, RFID

receivers, and/or other contactless transceivers or receivers, contact-based receivers, payment

terminals, computers, servers, input devices, and/or other like devices that can be used to initiate

a payment transaction.

[0019] As used herein, the term "payment device" may refer to a payment card (e.g., a credit or

debit card), a gift card, a smartcard, smart media, a payroll card, a healthcare card, a wristband, a

machine-readable medium containing account data, a keychain device or fob, an RFID

transponder, a retailer discount or loyalty card, a cellular phone, an electronic wallet mobile

application, a personal digital assistant (PDA), a pager, a security card, a computer, an access

card, a wireless terminal, a transponder, and/or the like. In some non-limiting embodiments, the

payment device may include volatile ornon-volatile memory to store information (e.g., an

account identifier, a name of the account holder, and/or the like).

[0020] As used herein, the term "payment gateway" may refer to an entity and/or a payment

processing system operated by or on behalf of such an entity (e.g., a merchant service provider, a

payment service provider, a payment facilitator, a payment facilitator that contracts with an

acquirer, a payment aggregator, and/or the like), which provides payment services (e.g.,

transaction service provider payment services, payment processing services, and/or the like) to

one or more merchants. The payment services may be associated with the use of payment

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devices managed by a transaction service provider. As used herein, the term "payment gateway

system" may refer to one or more computer systems, computer devices, servers, groups of servers,

and/or the like operated by or on behalf of a payment gateway.

[0021] As used herein, the term "server" may refer to or include one or more computing devices

that are operated by or facilitate communication and processing for multiple parties in a network

environment, such as the Internet, although it will be appreciated that communication may be

facilitated over one or more public or private network environments and that various other

arrangements are possible. Further, multiple computing devices (e.g., servers, point-of-sale

(POS) devices, mobile devices, etc.) directly or indirectly communicating in the network

environment may constitute a "system." Reference to "a server" or "a processor," as used herein,

may refer to a previously-recited server and/or processor that is recited as performing a previous

step or function, a different server and/or processor, and/or a combination of servers and/or

processors. For example, as used in the specification and the claims, a first server and/or a first

processor that is recited as performing a first step or function may refer to the same or different

server and/or a processor recited as performing a second step or function.

[0022] As used herein, the term "transaction service provider" may refer to an entity that

receives transaction authorization requests from merchants or other entities and provides

guarantees of payment, in some cases through an agreement between the transaction service

provider and an issuer institution. For example, a transaction service provider may include a

payment network such as Visa@ or any other entity that processes transactions. The term

"transaction processing system" may refer to one or more computer systems operated by or on

behalf of a transaction service provider, such as a transaction processing server executing one or

more software applications. A transaction processing server may include one or more processors

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and, in some non-limiting embodiments, may be operated by or on behalf of a transaction service

provider.

[0023] FIG. 1A illustrates a payment system 100 that supports payment terminal optimization of

a user device 110 in accordance with some embodiments. In some embodiments, the payment

system 100 may be, for example, a payment system that utilizes blockchain to store thefinancial

transactions generated using the payment terminal optimization process described herein. In

some embodiments, payment system 100 includes a payment network 130, an acquirer institution

160, an issuer institution 162, and a user device 110. In some embodiments, user device 110 is a

computing device or a communication device that may be, for example, a mobile phone, tablet,

computer, or the like. User 105 may be, for example, a merchant that utilizes user device 110 to

implement the payment terminal optimization processes described herein. In some embodiments,

user device 110 includes a display 118, a payment terminal optimization application (APP)

139, and an antenna configuration 109. In some embodiments, the display 118 may be a touch

screen that supports various data input and output fields that are used by user 105 during the

payment terminal optimization processes performed by payment terminal optimization App 139.

[0024] In some embodiments, antenna configuration 109 is a configuration of wireless

communication antennas that are used for signal transmission and reception by user device 110.

The antenna configuration 109 may be, for example, a payment-terminal-antenna configuration

or a non-payment-terminal-antenna configuration. A non-payment-terminal-antenna

configuration is, for example, an antenna system configured to perform standard wireless

communication operations (e.g., video and audio transmission) for user device 110. In some

embodiments, a payment-terminal-antenna configuration is an antenna system configured to

operate as an antenna system for payment terminal operations, such as, for example, a near-field

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communication (NFC) antenna system. NFC is a set of communication protocols that enable

electronic devices, at least one of which is typically a user device (e.g., a smartphone, etc.), to

establish communication by bringing the electronic devices within an NFC range of each other

(e.g., within 4 cm (1.6 in) of each other). In some embodiments, an NFC antenna configuration is

an antenna configuration used by a computing device, such as, for example, user device 110, to

operate using the NFC protocol.

[0025] In some embodiments, acquirer institution 160 is a financial institution that conducts

payment transactions for user 105 using user device 110. For example, acquirer institution 160

is configured to accept payments from a customer of user 105 (e.g., user 115) using an optimal

payment location generated on application display 135 by payment terminal optimization App

139 of user device 110. In some embodiments, issuer institution 162 is a financial institution

associated with user 115 that allows user 115 to utilize user device 110 to transfer funds to a

financial account associated with user 105. In some embodiments, payment network 130 is a

transaction service provider (such as Visa@ or any other entity that processes transactions) that

receives transaction authorization requests from a merchant, such as, for example, user 105,

using user device 110 and provides guarantees of payment of a monetary amount by, for

example, issuer institution 162.

[0026] In some embodiments, payment terminal optimization APP 139 is a software application

that is configured to execute the payment terminal optimization of application display 135 of

user device 110. In some embodiments, payment terminal optimization is the process of

optimizing application display 135 of user device 110 to operate as a payment terminal for

payment transactions by generating an optimal payment location on application display 135. In

some embodiments, the optimal payment location is a boundary defined location on application

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display 135 that is used by a customer of user 105, such as, for example, user 115, to make a

purchase of a product or service using a payment enabled device, such as, for example, payment

enabled card 194.

[0027] In some embodiments, during payment terminal optimization, the optimal payment

location on application display 135 is generated by payment terminal optimization App 139

using antenna configuration 109. In some embodiments, antenna configuration 109 of user

device 110 is configured to scan payment enabled card 197 to find a set of boundaries that

combine to form the defining edges of the optimal payment location. For example, payment

terminal optimization App 139 utilizes antenna configuration 109 of user device 110 to scan

payment enabled card 197 to find a first boundary and a second boundary (depicted and

described further with reference to FIG. 2) of the optimal payment location. In some

embodiments, at least two of the boundaries, such as, for example, the first boundary and the

second boundary combine to form the defining edges of the optimal payment location on

application display 135. In some embodiments, additional boundaries may be generated by the

payment terminal optimization App 139 depending on, for example, the shape (e.g., rectangular,

square, etc.) of the optimal payment location. For example, the set of boundaries may include a

first boundary, a second boundary, a third boundary, and a fourth boundary, etc. In some

embodiments, the optimal payment location generated by payment terminal optimization App

139 improves upon existing payment terminal applications by reducing the number of instances

required by a customer of user 105 to tap the payment enabled device against, near, or behind the

optimal payment location presented on application display 135 to make a purchase, thereby

improving customer experience.

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

[0028] FIG. lB illustrates a block diagram of user device 110 of FIG. 1A in accordance with

some embodiments. In some embodiments, user device 110 includes a computer readable

medium 147, a cellular network communication component 148, an antenna configuration 109,

and a processor 146. In some embodiments, the computer readable medium 147 may be present

within the user device 110 or may be detachable from user device 110. In some embodiments,

the cellular network communication component 148 may act as a communication interface to

receive cellular network communications using the user device 110. In some embodiments, the

computer readable medium 147 may be in the form of (or may be included in) a memory that

stores data (e.g., issuer account numbers and other elements of payment data) and may be in any

suitable form including a memory chip, etc. In some embodiments, computer readable medium

147 stores information such as, for example, applications which control the communication with

the service provider and other functions within the device. In some embodiments, device

memory may store financial or payment information which may include information such as

bank account information, a bank identification number (BIN), credit or debit card number

information, account balance information, expiration date, consumer information such as name,

date of birth, etc. In some embodiments, device memory may store user device information

which may include information such as a user device brand, a user device model name, a user

device model number, a user device encryption type, a user device antenna configuration, and a

user device operating system (OS), etc. In some embodiments, any of this information can be

transmitted by user device 110.

[0029] In some embodiments, user device 110 may also include the processor 146 (e.g., a

microprocessor) for processing the functions and applications of user device 110. In some

embodiments, user device 110 may also include the display 118 to allow a user to interact with

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payment terminal optimization App 139. In some embodiments, user device 110 may further

include input elements 158 to allow a user to input information into the user device 110, a

speaker 157 to allow a user to hear voice communication, music, etc., and a microphone 159 to

allow the user to interact with the payment terminal optimization App 139, by transmitting the

user's voice through the user device 110. In some embodiments, user device 110 includes the

microphone 159 to allow the user to interact with the payment terminal optimization App 139 to,

for example, allow user 105 to verbally control the speed at which the guide scan indicator

(discussed further in detail below) guides payment enabled card 197.

[0030] With reference to FIG. lB and FIG. 1A, in some embodiments, in order to initiate the

payment terminal optimization of application display 135, payment terminal optimization App

139 is configured to perform a payment terminal verification and a payment terminal

optimization of user device 110. Payment terminal verification is the process of verifying that

user device 110 is configured to operate as a payment terminal for receipt of payment using a

payment enabled device, such as, for example, payment enabled card 197. In some embodiments,

user device 110 includes a payment terminal verification unit 176 configured to perform the

payment terminal verification of user device 110 and a payment terminal optimization unit

177 configured to perform the payment terminal optimization of user device 110. In some

embodiments, computer readable medium 147 of user device 110 includes the payment terminal

verification unit 176 configured to perform the payment terminal verification of user device

110 and the payment terminal optimization unit 177 configured to perform the payment

terminal optimization of user device 110. In some embodiments, payment terminal

optimization App 139 of user device 110 includes the payment terminal verification unit 176

and/or the payment terminal optimization unit 177. In some embodiments, payment terminal

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verification unit 176 is software and/or electronic hardware components that are configured to

perform the payment terminal verification of user device 110 by verifying user device 110 is

operable as a payment terminal. In some embodiments, payment terminal optimization unit 177

is software and/or electronic hardware components that are configured to perform the payment

terminal optimization of user device 110 by determining the optimal payment location on

application display 135 to tap a payment enabled card 197 (discussed further below with

respect to FIGS. 1-5).

[0031] In some embodiments, in operation, user 105 initiates the payment terminal optimization

process by selecting the payment terminal optimization App 139 on user device 110. In some

embodiments, upon selection of payment terminal optimization App 139, payment terminal

verification unit 176 commences the process of performing the payment terminal verification of

user device 110. In some embodiments, in order to conduct the payment terminal verification of

user device 110, payment terminal verification unit 176 performs a user device information

assessment of user device 110. In some embodiments, user device information is device specific

information associated with the software and hardware configuration of user device 110. For

example, user device information includes a user device brand, a user device model name, a user

device model number, a user device encryption type, a user device antenna configuration, and a

user device operating system (OS). In some embodiments, payment terminal verification unit

176 collects user device information from user device 110 and stores the user device information

as user device information 103. In some embodiments, the user device information 103 collected

by payment terminal optimization App 139 is stored in a table or data structure in computer

readable medium 147 for use by payment terminal optimization App 139 during the payment

terminal optimization process. User device information 103 may be stored locally on, for

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example, user device 110, or remotely on, for example, a server associated with payment

terminal optimization App 139.

[0032] In some embodiments, payment terminal verification unit 176 of payment terminal

optimization App 139 ascertains user device information from user device 110 by accessing a

settings menu 104 of the user device 110. As stated previously, the user device information

accessed by the payment terminal verification unit 176 in the settings menu 104 of user device

110 includes, for example, the user device 110 brand, the user device 110 model name, the user

device 110 model number, the user device 110 encryption type, the user device 110 antenna

configuration, and the user device 110 operating system (OS). In some embodiments, payment

terminal verification unit 176 verifies the functionality of user device 110 as a payment terminal

by assessing the antenna configuration 109 of user device 110 stored in user device information

103.

[0033] In some embodiments, after payment terminal optimization App 139 ascertains the user

device information 103 from user device 110, payment terminal optimization App 139 confirms

the user device information 103 is correct information by either utilizing the payment terminal

verification unit 176 to confirm the user device information 103 or having user 105 confirm the

user device information 103. In some embodiments, when payment terminal optimization App

139 utilizes user 105 to confirm the user device information 103, payment terminal optimization

App 139 displays a first subset of the user device information 103 on application display 135 for

confirmation by user 105. In some embodiments, the first subset of user device information 103

includes, for example, the user device brand, the user device model name, the user device

antenna configuration, and the user device operating system. In some embodiments, upon display

of the first subset of the user device information 103, payment terminal optimization App 139

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requests user 105 confirm the first subset of the user device information 103 by displaying a

confirmation button, a non-confirmation button, and a confirmation statement in the application

display 135. In some embodiments, the confirmation statement displayed on payment terminal

optimization App 139 is a statement that requests user 105 confirm the user device information

103 displayed on the application display 135. In some embodiments, user 105 views the

confirmation statement, the confirmation button, and the non-confirmation button and either

confirms the first subset of the user device information 103 by selecting the confirmation button

or does not confirm the first subset of the user device information 103 by selecting the non

confirmation button.

[0034] In some embodiments, when user 105 selects the non-confirmation button and does not

confirm the first subset of the user device information 103, payment terminal optimization App

139 exits the payment terminal verification process and closes the payment terminal optimization

App 139. In some embodiments, when user 105 selects the confirmation button and confirms the

first subset of user device information 103, payment terminal verification unit 176 of payment

terminal optimization App 139 continues with the payment terminal verification process by

determining whether the antenna configuration 109 of user device 110 is an antenna

configuration that may be used as a payment-terminal-antenna configuration during the payment

terminal optimization process.

[0035] In some embodiments, as an alternative to user 105 confirming user device information

103, payment terminal optimization App 139 utilizes payment terminal verification unit 176 to

confirm the correctness of user device information 103. In some embodiments, payment

terminal verification unit 176 confirms the user device information 103 by comparing the user

device information 103 to a predefined user device information set stored by payment terminal

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optimization App 139 in computer readable medium 147 for specific models of user devices. For

example, for a specific user device 110, the predefined user device set includes the user device

brand, the user device model name, the user device model number, the user device encryption

type, the user device antenna configuration, and the user device OS. In some embodiments, when

the payment terminal verification unit 176 determines that the collected user device

information 103 does not map to a predefined user device information set, the user device

information 103 for user device 110 is considered not correct and payment terminal optimization

App 139 exits the payment terminal verification process and closes the payment terminal

optimization App 139. In some embodiments, when the payment terminal verification unit 176

compares the user device information 103 to the predefined user device information set and

determines that the collected user device information 103 matches the predefined user device

information set, the user device information 103 for user device 110 is considered correct and

payment terminal optimization App 139 continues with the payment terminal verification

process.

[0036] In some embodiments, when payment terminal verification unit 176 confirms the user

device information 103 is correct, payment terminal verification unit 176 continues with the

payment terminal verification process by determining whether the antenna configuration 109 is a

payment-terminal-antenna configuration that may be used for payment terminal optimization. In

some embodiments, payment terminal verification unit 176 of payment terminal optimization

App 139 determines whether the antenna configuration 109 is a payment-terminal-antenna

configuration by comparing the user device antenna configuration specified in user device

information 103 to a known payment-terminal-antenna configuration, such as, for example, an

NFC antenna configuration. In some embodiments, when payment terminal verification unit

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

176 determines that the antenna configuration for user device 110 does not map to a known

payment-terminal antenna configuration, payment terminal verification unit 176 displays a

non-payment-terminal antenna configuration statement to user 105 on application display

135. In some embodiments, the non-payment-terminal antenna configuration statement

displayed to user 105 on application display 135 is a statement that notifies user 105 that the

user device 110 is not configured to operate as a payment terminal. In some embodiments,

after displaying the non-payment-terminal antenna configuration statement to user 105,

payment terminal verification unit 176 exits the payment terminal verification process and

closes the payment terminal optimization App 139. In some embodiments, when payment

terminal verification unit 176 determines that user device 110 maps to a known payment

terminal antenna configuration, user device 110 is considered verified as a payment-terminal and

payment terminal optimization unit 177 proceeds with determining the optimal payment

location on application display 135 of user device 110.

[0037] In some embodiments, in order to determine the optimal payment location on application

display 135 of user device 110, payment terminal optimization unit 177 requests consent from

user 105 to access antenna configuration 109 of user device 110. In some embodiments,

requesting consent to access antenna configuration 109 allows payment terminal

optimization unit 177 to use antenna configuration 109 of user device 110 to scan payment

enabled card 197 to determine the optimal payment location of application display 135. In

some embodiments, payment terminal optimization unit 177 requests consent from user 105 to

access to antenna configuration 109 by displaying an antenna request consent prompt, a consent

button, and a non-consent button on the application display 135. In some embodiments, the

antenna request consent prompt displayed by payment terminal optimization App 139 on

Attorney Docket Number: 1100-210022 Client Reference Number: 5451AU01

application display 135 is a statement that requests user 105 consent or not consent to the use of

antenna configuration 109 to determine the optimal payment location on application display 135.

In some embodiments, the consent button and the non-consent button generated on application

display 135 are configured to allow or not allow payment terminal optimization App 139 to

access the antenna configuration 109 of user device 110. In some embodiments, user 105 views

the consent button and the non-consent button and either consents to the use of the antenna

configuration 109 by selecting the consent button or does not consent to the use of the antenna

configuration 109 by selecting the non-consent button.

[0038] In some embodiments, when user 105 selects the non-consent button and does not

consent to the use of antenna configuration 109 by payment terminal optimization App 139,

payment terminal optimization App 139 exits the payment terminal optimization process and

closes the payment terminal optimization App 139. In some embodiments, instead of closing the

payment terminal optimization App 139, payment terminal optimization App 139 presents a

message to user 105 requesting user 105 access the settings menu 104 to adjust a consent

configuration setting in setting menu 104 to proceed with the payment terminal optimization

process. In some embodiments, when user 105 selects the consent button, payment terminal

optimization unit 177 continues with the payment optimization process by determining an

optimal payment location 116 on application display 135.

[0039] DETERMINATION OF AN OPTIMAL PAYMENT LOCATION USING A GUIDE

SCAN INDICATOR

[0040] In some embodiments, with further reference to FIG. IB, in order to determine an

optimal payment location 116 on application display 135, payment terminal optimization App

139 requests that user 105 scan payment enabled card 197 along user device 110 according to the

Attorney Docket Number: 1100-210022 Client Reference Number: 5451AU01

positioning of a guide scan indicator 111 (described in detail below with reference to FIG. 2)

generated by payment terminal optimization unit 177 on application display 135. In some

embodiments, the guide scan indicator 111 is a payment card image or a horizontal bar generated

on application display 135 that is configured to guide user 105 in scanning payment enabled card

197 along a first side (e.g., a "back side") of user device 110. In some embodiments, with

reference to a horizontal/vertical or x-y coordinate system depicted in FIG. 1A, the scanning of

payment enabled card 197 to generate the optimal payment location 116 includes a first scan of

the payment enabled card 197 in a first direction along the first side of user device 110 and a

second scan of the payment enabled card 197 in a second direction along the first side of user

device 110.

[0041] GUIDE SCAN INDICATOR MOVEMENT

[0042] In some embodiments, with reference to the movement of the guide scan indicator 111

during the first scan of payment enabled card 197, the payment terminal optimization unit 177

moves the guide scan indicator 111 in the first direction (e.g., a first vertical direction in the

positive y-direction) from a first guide scan indicator position on application display 135 to a

second guide scan indicator position on application display 135 of user device 110. In some

embodiments, during the second scan of payment enabled card 197, the payment terminal

optimization unit 177 moves the guide scan indicator 111 in the second direction (e.g., a second

vertical direction in the negative y-direction) from a third guide scan indicator position on

application display 135 to a fourth guide scan indicator position on application display 135. In

some embodiments, payment terminal optimization unit 177 moves the guide scan indicator

111 at a pace that allows user 105 to move the payment enabled card 197 along the first side

Attorney Docket Number: 1100-210022 Client Reference Number: 5451AU01

of user device 110 such that antenna configuration 109 is able to scan the payment enabled

card 197.

[0043] USING PAYMENT ENABLED DEVICE TO DETERMINE THE BOUNDARIES OF

THE OPTIMAL PAYMENT LOCATION

[0044] In some embodiments, payment terminal optimization unit 177 senses the payment

enabled card 197 to determine the set of boundaries of the optimal payment location 116 on

application display 135. In some embodiments, payment terminal optimization unit 177

senses the payment enabled card 197 by receiving response signals (e.g., a first response

signal 173 and a second response signal 174) ascertained during the scanning of the

payment enabled card 197. In some embodiments, the response signals are used by payment

terminal optimization unit 177 to determine the set of boundaries of the optimal payment

location 116 on application display 135. For example, payment terminal optimization unit

177 uses the first response signal 173 from payment enabled card 197 to determine the first

boundary of the optimal payment location 116 during the first scan of the payment enabled

card 197 and the second response signal 174 to determine the second boundary of the

optimal payment location 116 during the second scan of the payment enabled card 197. In

some embodiments, payment terminal optimization unit 177 uses the first boundary and the

second boundary to form the defining edges of the optimal payment location 116 used by user

115 to pay for products from user 105 using user device 110.

[0045] SCANNING AND POSITIONING OF THE PAYMENT ENABLED CARD

[0046] In some embodiments, with reference to the scanning and positioning of the payment

enabled card 197 along the "back side" of user device 110 (described further in detail below with

reference to FIG. 2), the first scan of the payment enabled card 197 refers to a scan of the

Attorney Docket Number: 1100-210022 Client Reference Number: 5451AU01

payment enabled card 197 in the first direction using the guide scan indicator 111 as a guide. In

some embodiments, guide scan indicator 111 guides payment enable card 197 from a first back

side scan position on user device 110 to a second back side scan position on user device 110. In

some embodiments, the first back side scan position corresponds to the first guide scan indicator

position located on the application display 135 of user device 110 and the second back side scan

position corresponds to the second guide scan indicator position located on the application

display 135 of user device 110.

[0047] In some embodiments, the second scan of the payment enabled card 197 refers to a scan

of the payment enabled card 197 in the second direction using the guide scan indicator 111 as a

guide. In some embodiments, guide scan indicator 111 guides payment enable card 197 from a

third back side scan position on user device 110 to a fourth back side scan position. In some

embodiments, the third back side scan position corresponds to the third guide scan indicator

position located on the application display 135 on user device 110 and the fourth back side scan

position corresponds to the fourth guide scan indicator position located on the application display

135 on user device 110. In some embodiments, each of the back side scan positions described

herein map to corresponding guide scan indicator positions on application display 135.

[0048] FIRST BOUNDARY DETERMINATION OF THE OPTIMAL PAYMENT

LOCATION

[0049] In some embodiments, in order to determine the first boundary of the optimal payment

location 116, user 105 is prompted to guide the payment enabled card 197 along the back side of

user device 110 according to the positioning of the guide scan indicator 111. In some

embodiments, payment terminal optimization unit 177 moves the guide scan indicator 111 in

the first direction from the first guide scan indicator position of application display 135 to

Attorney Docket Number: 1100-210022 Client Reference Number: 5451AU01

the second guide scan indicator position of application display 135. In some embodiments,

concurrently, while the guide scan indicator 111 is in motion, user 105 moves the payment

enabled card 197 along the first side of user device 110 according to the movement of the

guide scan indicator 111 on application display 135.

[0050] In some embodiments, while user 105 is moving the payment enabled card 197 along the

first side of user device 110 in the first direction, payment terminal optimization unit 177

determines the first boundary of the optimal payment location 116 of application display 135. In

some embodiments, payment terminal optimization unit 177 of payment terminal optimization

App 139 determines the first boundary of the optimal payment location 116 by tracking a first

location (described further in detail below with reference to FIG. 2) at which antenna

configuration 109 senses payment enabled card 197 in the first direction.

[0051] In some embodiments, when the antenna configuration 109 tracks or identifies the first

location at which antenna configuration 109 has sensed the payment enabled card 197, the first

location is cross-referenced by payment terminal optimization unit 177 to the corresponding

location of the guide scan indicator 111 on application display 135. In some embodiments, the

corresponding location of the guide scan indicator 111 on application display 135 is designated

by the payment terminal optimization unit 177 as the first boundary of the optimal payment

location 116. Thus, in some embodiments, moving the guide scan indicator 111 and the

payment enabled card 197 in tandem in the first direction along the user device 110 allows

payment terminal optimization unit 177 to obtain the first boundary of the optimal payment

location 116.

[0052] SECOND BOUNDARY DETERMINATION OF THE OPTIMAL PAYMENT

LOCATION

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

[0053] In some embodiments, in order to determine the second boundary of the optimal payment

location 116, payment terminal optimization unit 177 moves the guide scan indicator 111 in

the second direction from the third guide scan indicator position of application display 135

to the fourth guide scan indicator position of application display 135. In some embodiments,

concurrently, user 105 continues to move the payment enabled card 197 along the first side

ofuser device 110 according to the movement of the guide scan indicator 111 on application

display 135. In some embodiments, payment terminal optimization unit 177 of payment

terminal optimization App 139 determines the second boundary of the optimal payment location

116 by tracking a second location at which antenna configuration 109 senses payment enabled

card 197 in the second direction.

[0054] In some embodiments, when the antenna configuration 109 tracks or identifies the second

location at which antenna configuration 109 has sensed the payment enabled card 197, the

second location is cross-referenced by payment terminal optimization unit 177 to the

corresponding location of the guide scan indicator 111 on application display 135. In some

embodiments, the corresponding location of the guide scan indicator on application display 135

is designated by the payment terminal optimization unit 177 as the second boundary of the

optimal payment location 116. Thus, in some embodiments, moving the guide scan indicator

111 and the payment enabled card 197 in tandem in the second direction along the user

device 110 allows payment terminal optimization unit 177 to obtain the second boundary of

the optimal payment location 116.

[0055] In some embodiments, after attaining the first boundary during the first scan of the

payment enabled card 197 and the second boundary during the second scan of the payment

enabled card 197, payment terminal optimization unit 177 combines the first boundary and the

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

second boundary to form the defining edges of the optimal payment location 116. User 115 may

then utilize the optimal payment location 116 to pay for products or services provided by user

105 using user device 110. In some embodiments, prior to user 115 utilizing the optimal

payment location 116 to pay for products or services, user 105 may test the optimal payment

location 116 in order to generate a visual, such as, for example, an optimal payment location

image, to present to user 115. In some embodiments, the optimal payment location image

indicates to user 115 the optimal payment location 116 on application display 135 to tap

payment enabled card 194. In some embodiments, user 105 may adjust the location of the

defined boundaries of the optimal payment location 116 using payment terminal optimization

App 139. In some embodiments, with the knowledge of the optimal payment location 116, user

105 is able to advise a user 115 of the location on user device 110 to tap payment enabled card

194 for payment. In some embodiments, payment terminal optimization unit 177 provides the

optimal payment location 116 to a point-of-sale application of user 105 in order to, for example,

overlay a visual guide on the application display 135. In some embodiments, the visual guide

assists user 105 in advising user 115 of the location on application display 135 to tap a payment

enabled card 194 for payment. The generation of the optimal payment location 116 on

application display 135 by payment terminal optimization App 139 improves upon existing

payment terminals by reducing the amount of time required by the customer of user 105 to make

a purchase using user device 110.

[0056] FIG. 2 is an exemplary embodiment 200 of user device 110 of FIG. 1 illustrating

various stages of the process of determining an optimal payment location 216 on application

display 135 of user device 110. FIGS. 2A-2F depict a first side 262 of user device 110

illustrating a "back perspective" or a "back side" of user device 110 and a second side 261

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

illustrating a "front perspective" or a "front side" of user device 110. In some embodiments,

application display 135 of second side 261 is partitioned by payment terminal optimization

unit 177 into a first partition 231-1, a second partition 231-2, and a third partition 231-3. In

some embodiments, first partition 231-1, second partition 231-2, and third partition 231-3

are pre-determined by the payment terminal optimization unit 177 to be of equal width and

length to allow for the positioning of the guide scan indicator 211 on the second side 261

and the payment enabled card 197 on the first side 262. In some embodiments, first partition

231-1, second partition 231-2, and third partition 231-3 may vary in size depending on, for

example, the size or location of the payment enabled device being scanned by antenna

configuration 109.

[0057] In FIG. 2B, at the commencement of the payment optimization process, payment

terminal optimization App 139 displays a begin button 207 and a guide scan indicator 211 on

application display 135 of user device 110. In some embodiments, as stated previously, guide

scan indicator 211 is configured to guide user 105 in scanning payment enabled card 197 along

the first side 262 of user device 110. In some embodiments, the guide scan indicator 211 is

placed by payment terminal optimization unit 177 at afirst guide scan indicator position 291

on application display 135. In some embodiments, the first guide scan indicator position 291 is

placed at a guide scan indicator position located in the third partition 231-3 of application

display 135. In some embodiments, the first guide scan indicator position 291 is placed at a top

position 236 in the third partition 231-3 of application display 135. In alternate

embodiments, guide scan indicator 211 may be placed at other positions on application

display 135 that allow payment terminal optimization unit 177 to generate the optimal

payment location 216.

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

[0058] In some embodiments, as depicted in the back perspective of FIG. 2B, user 105,

using hand 206, places a payment enabled card 197 at a first back side scan position 271 of

first side 262 that maps to the position of the guide scan indicator 211 located on application

display 135. In some embodiments, upon selection of begin button 207 by user 105, payment

terminal optimization unit 177 moves guide scan indicator 211 in a first direction 221 from a

first guide scan indicator position 291 to a second guide scan indicator position 292 on

application display 135. In some embodiments, a countdown timer may be generated by

payment terminal optimization unit 177 on application display 135. In some embodiments,

after the begin button 207 is pressed by user 105, the countdown timer is displayed on

application display 135 for view by user 105. In some embodiments, the countdown timer

displayed on application display 135 provides user 105 with a pre-determined amount of time to

position the payment enabled card 197 in the location indicated by the guide scan indicator 211

prior to scanning the payment enabled card 197.

[0059] In some embodiments, as stated previously, payment terminal optimization unit 177

moves guide scan indicator 211 at a pace that allows user 105 to move the payment enabled

card 197 along the first side 262 such that payment terminal optimization unit 177 is able to

utilize antenna configuration 109 to scan the payment enabled card 197. In some

embodiments, payment terminal optimization unit 177 uses the antenna configuration 109 to

sense payment enabled card 197 to determine the optimal payment location 216. In some

embodiments, payment terminal optimization unit 177 senses the payment enabled card 197

by transmitting a scan signal to payment enabled card 197 and receiving a response signal

from the payment enabled card 197 that indicates the location of the payment enabled card

197.

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

[0060] In FIG. 2C, user 105 moves payment enabled card 197 in the first direction 221

along the first side 262 using guide scan indicator 211 on application display 135 as a guide.

In some embodiments, while user 105 is moving the payment enabled card 197 along the

first side 262 of the user device110, payment terminal optimization unit 177 utilizes antenna

configuration 109 to scan the payment enabled card 197 by transmitting a first scan signal 171 to

payment enabled card 197. In some embodiments, payment enabled card 197 receives the first

scan signal 171 and in response, transmits a first response signal 173 to payment terminal

optimization unit 177. In some embodiments, payment terminal optimization unit 177 receives

the first response signal 173 from payment enabled card 197 and uses the first response signal to

determine a first boundary 212 of the optimal payment location 216. In some embodiments,

payment terminal optimization unit 177 determines the first boundary 212 by tracking a first

location 288 on first side 262 at which antenna configuration 109 senses the received first

response signal 173 from the payment enabled card 197 during the scan in thefirst direction 221.

In some embodiments, when the antenna configuration 109 senses the received first response

signal 173 at the first location 288, payment terminal optimization unit 177 cross-references the

first location 288 to a corresponding first location of the guide scan indicator 211 on application

display 135. In some embodiments, the corresponding first location of the guide scan indicator

211 that maps to the first location 288 is the first boundary 212 of the optimal payment location

on application display 135. In some embodiments, payment terminal optimization unit 177 stores

the first location 288 and the corresponding first location of the guide scan indicator (e.g., the

first boundary 212) for use in determining the optimal payment location 216. In some

embodiments, after determining the first boundary 212 of the optimal payment location 216,

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

payment terminal optimization unit 177 proceeds to determine a second boundary 213 of the

optimal payment location 216.

[0061] In FIG. 2D, the guide scan indicator 211 is placed by payment terminal optimization

unit 177 at a third guide scan indicator position 293 on application display 135. In some

embodiments, the third guide scan indicator position 293 is located at a guide scan indicator

position in the first partition 231-1 of application display 135. In some embodiments, the third

guide scan indicator position 293 is located at a bottom position 237 of the first partition 231-1

of application display 135. In some embodiments, payment terminal optimization unit 177

moves guide scan indicator 211 in the second direction 222 from the third guide scan

indicator position 293 to a fourth guide scan indicator position 294 on application display 135.

User 105, using hand 206, continues to guide payment enabled card 197 according to the

positioning of the guide scan indicator 211 (e.g., third guide scan indicator position 293)

located on application display 135.

[0062] In FIG. 2E, user 105 moves payment enabled card 197 in the second direction 222

along the first side 262 of user device 110 using guide scan indicator 211 as a guide, e.g.,

from the third back side scan position 295 towards the fourth back side scan position 296. In

some embodiments, while user 105 is moving the payment enabled card 197 in the second

direction 222 along the first side 262 of the user device110, payment terminal optimization

unit 177 utilizes antenna configuration 109 to scan the payment enabled card 197 by transmitting

a second scan signal 172 to sense payment enabled card 197. In some embodiments, payment

enabled card 197 receives the second scan signal 172 and in response, transmits a second

response signal 174 to payment terminal optimization unit 177. In some embodiments, payment

terminal optimization unit 177 receives the second response signal 174 from payment enabled

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

card 197 and uses the second response signal 174 to determine a second boundary 213 of the

optimal payment location 216. In some embodiments, payment terminal optimization unit 177

determines the second boundary 213 by tracking a second location 289 on first side 262 at which

antenna configuration 109 senses the second response signal 174 from payment enabled card 197

during the scan in the second direction 222. In some embodiments, when the antenna

configuration 109 senses the payment enabled card 197 at the second location 289, payment

terminal optimization unit 177 cross-references the second location 289 to a corresponding

second location of the guide scan indicator 211 on application display 135. In some

embodiments, the corresponding second location of the guide scan indicator 211 that maps to the

second location 289 is the second boundary 213 of the optimal payment location on application

display 135. In some embodiments, payment terminal optimization unit 177 stores the second

location 289 and the corresponding second location of the guide scan indicator (e.g., the second

boundary 213) for use in determining the optimal payment location 216. Thus, in some

embodiments, based on an assessment of the second response signal 174 received from the

payment enabled card 197 during the scanning process in the second direction 222, payment

terminal optimization App 139 is able generate the second boundary 213 of the optimal payment

location 216.

[0063] In FIG. 2F, in some embodiments, after ascertaining the first boundary 212 and the

second boundary 213, payment terminal optimization unit 177 generates the optimal payment

location 216 by combining the first boundary 212 and the second boundary 213 to form the

defining edges of the optimal payment location 216. In some embodiments, payment terminal

optimization unit 177 subsequently displays the optimal payment location 216 to user 105 of user

device 110. In some embodiments, payment terminal optimization unit 177 displays the optimal

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

payment location 216 on application display 135 for use by a customer of user 105 to make a

purchase of a product or service using a payment enabled card 194. In some embodiments, an

alternate software application may be used to display the optimal payment location 216 on

application display 135 for use by a customer of user 105 to make a purchase of a product or

service using a payment enabled card 194.

[0064] FIG. 3 illustrates a method for performing payment terminal optimization of FIG. 1 in

accordance with some embodiments. In some embodiments, with reference to user device 110 of

FIGS. 1-2, at block 310, user 105 initiates the payment terminal optimization process by

selecting, for example, the begin button 207 on application display 135 of user device 110.

Additionally, in some embodiments, guide scan indicator 211 is displayed on application display

135 by payment terminal optimization App 139 to assist user 105 in guiding payment enabled

card 197 along a first side 262 of user device 110. In some embodiments, at block 320, payment

terminal optimization App 139 requests user 105 utilize guide scan indicator 211 to guide

payment enabled card 197 along the first side of user device 110 according to the positioning of

the guide scan indicator 211. In some embodiments, at block 325, user 105 guides the payment

enabled card 197 along the first side of user device 110 according to the positioning of the guide

scan indicator 211 on application display 135. In some embodiments, user 105 guides the

payment enabled card 197 in tandem with the guide scan indicator 211 along the first side of user

device 110.

[0065] In some embodiments, at block 330, payment terminal optimization App 139 scans the

payment enabled card 197 to determine the first boundary 212 of the optimal payment location

216. In some embodiments, at block 350, payment terminal optimization App 139 scans the

payment enabled card 197 for a second response signal 174 to determine the second boundary

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

213 of optimal payment location 216. In some embodiments, at block 360, payment terminal

optimization App 139 generates the optimal payment location 216 by combining the first

boundary 212 and the second boundary 213 to form the defining edges of the optimal payment

location 216. In some embodiments, payment terminal optimization App 139 subsequently

displays the optimal payment location 216 on application display 135. The optimal payment

location 216 displayed on application display 135 may subsequently be used by user 115 to

purchase products or services from user 105 using user device 110. In some embodiments, the

optimal payment location 216 may be used by similar user devices whose user device

information is similar to that of user device 110, such as, for example, a similar tablet or

computing device.

[0066] FIG. 4 is an exemplary embodiment 400 of user device 110 of FIG. 1 illustrating

various stages of a process of determining an optimal payment location 416 on application

display 135 of user device 110. FIGS. 4A-4C depict a first side 462 of user device 110

illustrating a "back perspective" or a "back side" of user device 110 and a second side 461

illustrating a "front perspective" or a "front side" of user device 110. In some embodiments,

application display 135 of second side 461 is partitioned by payment terminal optimization

unit 177 into a first partition 431-1, a second partition 431-2, and a third partition 431-3 for

purposes of determining the optimal payment location 416. In some embodiments, first

partition 431-1, second partition 431-2, and third partition 431-3 are of equal width and

length to allow for the positioning of a payment enabled card 197 on either the second side

461 or the first side 462. In some embodiments, first partition 431-1, second partition 431-2,

and third partition 431-3 may vary in size depending on, for example, the size or location of

the payment enabled device being scanned by antenna configuration 109. In some

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

embodiments, the areas of the partitions 431 have a pre-defined length and width that correspond

to, for example, the standard size of the payment enabled card 197.

[0067] In some embodiments, with reference to FIGS. 4A-4C, instead of having user 105 move

payment enabled card 197 along the first side 262 of user device 110 to generate the optimal

payment location 216 as depicted in FIG. 2, payment terminal optimization App 139 requests

user 105 position the payment enabled card 197 at a payment card location 431 of user device

110. In some embodiments, the payment card location 431 is a specific location on user device

110 that allows antenna configuration 109 to scan the payment enabled card 197 from a fixed

location in order to generate the optimal payment location 416. In some embodiments, the

payment card location 431 may be the first partition 431-1, the second partition 431-2, or the

third partition 431-3 of application display 135 (depicted in detail in FIG. 4A). In some

embodiments, the payment enabled card 197 is positioned by user 105 at or near the payment

card location 431 on the first side 462 or second side 461 by user 105. For example, user 105

may position the payment enabled card 197 in front of the payment card location 431 (on second

side 461) or in back of the payment card location 431 (on first side 462).

[0068] In some embodiments, with reference to FIG. 4A, in order to initiate the optimal payment

location process, payment terminal optimization unit 177 displays a payment card image 499

(e.g., a picture or image of a payment enabled card) on application display 135 in the payment

card location 431, e.g., the first partition 431-1, the second partition 431-2, or the third

partition 431-3. In some embodiments, the payment card image 499 displayed on application

display 135 indicates to user 105 the location to place the payment enabled card 197 for payment

terminal optimization unit 177 to scan the payment enabled card 197. In some embodiments,

payment terminal optimization unit 177 displays a scan payment enabled card statement in the

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

payment card location 431 of the payment card image 199 that requests user 105 scan the

payment enabled card 197 at the payment card location 431 indicated by the payment card image

199. In some embodiments, payment terminal optimization unit 177 displays a scan payment

enabled card photo or illustration in the payment card location 431 of the payment card image

199 that indicates to user 105 to scan the payment enabled card 197 at the payment card location

431 indicated by the payment card image 199.

[0069] In some embodiments, user 105 holds the payment enabled card 197 behind the payment

card image 499 (which corresponds to the first partition 431-1, the second partition 431-2, or

third partition 431-3 selected by payment terminal optimization unit 177) to initiate the scanning

of the payment enabled card 197. In some embodiments, as depicted in FIG. 4B, user 105 holds

the payment enabled card 197 in front of the payment card image 499 (which corresponds to the

first partition 431-1, the second partition 431-2, or third partition 431-3 selected by payment

terminal optimization unit 177) to initiate the scanning of the payment enabled card 197. In

some embodiments, user 105 holds the payment enabled card 197 at the designated payment

card location 431 for a time duration that allows payment terminal optimization unit 177 to

scan the payment enabled card 197. In some embodiments, user 105 may be notified that the

time duration for holding the payment enabled card 197 has expired by an audio or visual

notification, e.g., a beep, a ring, etc. In some embodiments, when a scan does not register

properly at the designated payment card location 431, user 105 may proceed to scan the

payment enabled card 197 manually by, for example, pressing an improper registration button. In

some embodiments, the improper registration button indicates to the payment terminal

optimization unit 177 that the user 105 attempted to scan payment enabled card 197 and the user

device 110 did not register the scan properly. In some embodiments, by pressing the improper

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

registration button, user 105 is progressed to another payment card location 431 to continue

searching for the optimal payment location 416. In some embodiments, the payment card

location 431 that failed to register the scan properly is marked by the payment terminal

optimization unit 177 as a non-optimal payment location.

[0070] In some embodiments, payment terminal optimization unit 177 uses antenna

configuration 109 to scan the payment enabled card 197 at the selected partition that

corresponds to the payment card location 431 where user 105 is holding the payment enabled

card 197, which in FIG. 4B, is the second partition 431-2. In some embodiments, payment

terminal optimization unit 177 scans the payment enabled card 197 using antenna

configuration 109 at the selected partition to determine whether payment terminal

optimization unit 177 is able to sense payment enabled card 197. For example, in FIG. 4B,

payment terminal optimization unit 177 scans the payment enabled card 197 using antenna

configuration 109 at the second partition 431-2 to determine whether payment terminal

optimization unit 177 is able to receive afirst response signal 173 from payment enabled

card 197.

[0071] In some embodiments, with reference to FIG. 4C, when payment terminal optimization

unit 177 is able to sense the payment enabled card 197 by receiving the first response signal

173 from the selected partition (e.g., the first partition 431-1, the second partition 431-2, or

the third partition 431-3), then the selected partition is designated as an optimal payment

location 416 by payment terminal optimization unit 177. In some embodiments, when payment

terminal optimization unit 177 is not able to sense the payment enabled card 197 from the

selected partition, then the selected partition is designated by payment terminal optimization unit

177 as not being the optimal payment location, and payment terminal optimization unit 177

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

selects another partition of the remaining partitions for user 105 to place payment enabled card

197 for scanning. In some embodiments, payment terminal optimization unit 177 selects the

remaining partitions until the payment terminal optimization unit 177 is able to sense the

payment enabled card 197. In some embodiments, when the payment terminal optimization unit

177 is able to sense the payment enabled card 197, the corresponding partition is designated as

an optimal payment location 416 for display on application display 135.

[0072] In some embodiments, a "try again" functionality may be added to the payment terminal

optimization App 139 that allows user 105 to repeat the scanning process. In some embodiments,

the try again functionality may be used when, for example, a user 115 accidently waves payment

enabled card 197 in a location that has not been indicated by guide scan indicator.

[0073] In some embodiments, with further reference to FIG. 4, payment terminal optimization

unit 177 displays the payment card image 499 in each payment card location 431, e.g., the first

partition 431-1, the second partition 431-2, and the third partition 431-3. In some

embodiments, payment terminal optimization unit 177 displays the payment card image 499

randomly or sequentially. In some embodiments, user 105 holds the payment enabled card 197 in

front of each payment card location 431 indicated by the payment card image 499 (which

corresponds to the first partition 431-1, the second partition 431-2, and the third partition 431-3).

In some embodiments, payment terminal optimization unit 177 uses antenna configuration 109

to scan the payment enabled card 197 at each payment card location 431 (e.g., the first

partition 431-1, the second partition 431-2, and the third partition 431-3) indicated by the

payment card image 499 and determines whether payment terminal optimization unit 177 is

able sense the payment enabled card 197 from each payment card location 431. In some

embodiments, when payment terminal optimization unit 177 is able to sense the payment enabled

Attorney Docket Number: 1100-210022 Client Reference Number: 5451AU01

card 197 from the payment card location 431(either 431-1, 431-2, and/or 431-3), the payment

card location 431 is designated as an optimal payment location. In some embodiments, when, for

example, there are a plurality of payment card locations 431 that are designated as optimal

payment locations by payment terminal optimization unit 177, the plurality of optimal payment

locations may be combined by payment terminal optimization unit 177 to form a master optimal

payment location.

[0074] FIG. 5 illustrates a method for performing payment terminal optimization of FIG. 1 in

accordance with some embodiments. In some embodiments, with reference to user device 110 of

FIG. 4, at block 510, payment terminal optimization unit 177 displays payment card image 499

on application display 135 in the payment card location 431. In some embodiments, payment

terminal optimization unit 177 displays the payment card image 499 in the first partition 431-1,

the second partition 431-2, or the third partition 431-3 of application display 135.

[0075] In some embodiments, at block 520, payment terminal optimization unit 177 requests

user 105 place the payment enabled card 197 on first side 462 that corresponds to the payment

card location 431 indicated by the payment card image 499. In some embodiments, at block 520,

payment terminal optimization unit 177 requests user 105 place the payment enabled card 197 at

the payment card location 431 indicated by the payment card image 499. In some embodiments,

at block 530, payment terminal optimization unit 177 utilizes antenna configuration 109 to scan

for the presence of payment enabled card 197. In some embodiments, antenna configuration 109

senses or scans for the presence of payment enabled card 197 by transmitting a first scan signal

171 to payment enabled card 197 and receiving a first response signal from the payment enabled

card 197 as an acknowledgement. In some embodiments, at block 540, based on a determination

as to whether the payment enabled card 197 was detected during the scanning process at the

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

payment card location 431, payment terminal optimization App 139 generates the optimal

payment location 416. In some embodiments, the optimal payment location 416 is defined by a

first boundary 412 and a second boundary 413. In some embodiments, at block 550, payment

terminal optimization App 139 displays the optimal payment location 416 on application display

135. The optimal payment location 416 may subsequently be used by user 115 to purchase

products or services from user 105 using user device 110. In some embodiments, out of, for

example, three optimal payment locations, on-screen visuals generated by payment optimization

App 177 during payment by user 115 may indicate whether to tap the top, middle or bottom of

the user device 110. In some embodiments, payment optimization App 177 may indicate to user

115 to tap the top, middle, or bottom of the user device 110 based on, for example, a ranking of

the optimal payment locations by payment terminal optimization unit 177. In some

embodiments, providing the on-screen visuals may assist with, for example, user payment

efficiencies, etc. In some embodiments, other orientations of payment enabled card 197 may be

used.

[0076] In some embodiments, referring back to FIG. 1, as part of the payment terminal

optimization process, payment terminal optimization App 139 performs a protective case

assessment of user device 110. In some embodiments, the protective case assessment of user

device 110 includes determining whether the user device 110 has a protective case and allowing

payment terminal optimization App 139 to consider the protective case in determining the

optimal payment location during the payment terminal optimization process. In some

embodiments, a protective case is a plastic, rubber, or other type of material case that is designed

to cover and protect user device 110. In some embodiments, the protective case may include

other potential accessories, such as, for example, a phone skin, a protective tape, a protective

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

wrap, a pop socket, a magnet, a docking station, etc.. In some embodiments, having a protective

case on user device 110 affects the optimal payment location determination by blocking signal

transmission from the payment enabled card 197 to user device 110 during the payment terminal

optimization process.

[0077] In some embodiments, during the protective case assessment, payment terminal

optimization App 139 displays a protective case confirmation button, a non-protective case

confirmation button, and a protective case query statement that queries user 105 as to whether

user device 110 is utilizing a protective case. In some embodiments, the protective case may

include a screen protector, docking mechanism, or other protective covering that may block

signals transmitted or received by user device 110. In some embodiments, user 105 views the

protective case confirmation button, the non-protective case confirmation button, and the

protective case query statement and either confirms the user device 110 has the protective case

by selecting the protective case confirmation button or confirms that the user device 110 does not

have a protective case by selecting the non-protective case confirmation button.

[0078] In some embodiments, when user 105 selects the non-protective case confirmation button

and does not confirm that there is a protective case on user device 110, payment terminal

optimization App 139 exits the protective case assessment and proceeds with determining the

optimal payment location as described with reference to FIG. 2 or FIG. 4. In some embodiments,

when user 105 selects the non-protective case confirmation button, payment terminal

optimization App 139 displays a first no-case response to user 105. For example, the first no

case response may state that, for example, "The payment terminal verification will run under the

assumption that this phone is not covered with a protective case. If you decide to put a protective

case on in the future, please rerun the payment terminal verification indicating that the phone has

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

a protective case attached." In some embodiments, after displaying the first no-case response,

payment terminal optimization App 139 exits the protective case assessment and proceeds with

determining the optimal payment location as described with reference to FIG. 2 or FIG. 4.

[0079] In some embodiments, when user 105 selects the protective case confirmation button and

confirms the user device 110 has a protective case, payment terminal optimization App 139

displays a first protective-case response to user 105. For example, the first protective-case

response may state that "The added case covering may affect antenna performance when

performing the payment terminal verification or when utilizing the user device 110 as a payment

terminal". In some embodiments, after displaying the first protective-case response, payment

terminal optimization App 139 exits the protective case assessment and proceeds with

determining the optimal payment location as described herein.

[0080] In some embodiments, as part of the protective case assessment, payment terminal

optimization App 133 may suggest to user 105 the type of protective case that may be used for

user device 110 in order to refrain from blocking payment enabled card during the scanning

process in order to generate the optimal payment location 216 or optimal payment location 416.

[0081] In some embodiments, as part of the protective case assessment, payment terminal

optimization App 139 addresses the potential "future use" of a protective case on user device 110

by user 105. Payment terminal optimization App 139 displays a future-use protective case

confirmation button, a future-use non-protective confirmation button, and a future-use protective

case confirmation statement that queries user 105 as to whether user device 110 will be utilizing

a protective case in the future. User 105 then selects either the future-use protective case

confirmation button to confirm that a protective case will be utilized in the future or the future

use non-protective confirmation button to respond that a protective case is not going to be used

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

in the future. In some embodiments, when user 105 selects the future-use protective case

confirmation button, payment terminal optimization App 139 displays to user 105 that adding a

protective case may affect antenna performance when performing the payment terminal

verification or when utilizing the user device 110 as a payment terminal. In some embodiments,

when user 105 selects the future-use protective case confirmation button, payment terminal

optimization App 139 displays to user 105 a statement to utilize the protective case on during the

payment optimization process. In some embodiments, payment terminal optimization App 139

displays to user 105 that user 105 may be prompted to remove the protective case during the

payment terminal optimization process. In some embodiments, after displaying the response,

payment terminal optimization App 139 exits the protective case assessment and proceeds with

determining the optimal payment location as described herein.

[0082] In some embodiments, when user 105 selects the future-use non-protective confirmation

button, payment terminal optimization App 139 displays a first future no-case response to user

105. For example, the first future no-case response may state that, for example, "The payment

terminal verification will run under the assumption that this phone is not covered with a

protective case. If you decide to put a protective case on in the future, please rerun the payment

terminal verification indicating that the phone has a protective case attached." In some

embodiments, after displaying the first future no-case response, payment terminal optimization

App 139 exits the protective case assessment and proceeds with determining the optimal

payment location as described herein.

[0083] In some embodiments, the protective case assessment by payment terminal optimization

App 139 or the responses by user 105 to all queries conducted during the protective case

assessment are stored in, for example, a computer readable medium associated with payment

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

terminal optimization App 139. In some embodiments, payment terminal optimization App 139

exits the protective case assessment and proceeds with determining the optimal payment location

as described herein.

[0084] In some embodiments, with reference to FIGS. 1-3, for generation of a rectangular

optimal payment location, payment terminal optimization unit 177 may determine the third

boundary of the optimal payment location and the fourth boundary of the optimal payment

location by connecting the edges or sides of application display 135 that connect the first

boundary to the second boundary (depicted in FIG. 2). For example, in some embodiments,

the third boundary and the fourth boundary are a first edge and a second edge of the optimal

payment location that connect the first boundary to the second boundary. In some

embodiments, payment terminal optimization unit 177 uses the first boundary, the second

boundary, and the third boundary and the fourth boundary created by a first edge and a second

edge of application display 135, to form the defining edges of the optimal payment location used

by user 115 to pay for products from user 105 using user device 110.

[0085] In some embodiments, during the scanning processing, antenna configuration 109 is

able to ascertain payment enabled device information 193 from payment enabled card 197.

Payment enabled device information 193 is information that can be transferred from the

payment enabled device to user device 110 via the payment enabled technology (e.g., NFC

antenna configuration), such as an account number, expiration date, and/or username of the

account holder associated with the payment enabled card 197.

[0086] In some embodiments, a method includes determining, at a user device, a first boundary

of an optimal payment location on a display of the user device; and determining, at the user

device, a second boundary of the optimal payment location of the display of the user device,

Attorney Docket Number: 1100-210022 Client Reference Number: 5451AU01

wherein the first boundary and the second boundary combine to form defining edges of the

optimal payment location. In some embodiments, the method includes generating, using a

payment card image displayed on a partition of the display, the first boundary and the second

boundary of the optimal payment location. In some embodiments, the method includes

generating the first boundary of the optimal payment location by having a user of the user device

guide a payment enabled card along a first side of the user device. In some embodiments of the

method, in order to generate the first boundary of the optimal payment location, the payment

enabled card is guided from a first location of the first side of the user device to a second

location of the first side of the user device. In some embodiments, the method includes

generating the second boundary of the optimal payment location by having the user of the user

device guide the payment enabled card along the first side of the user device. In some

embodiments of the method, in order to generate the second boundary of the optimal payment

location, the payment enabled card is guided from a third location of the first side of the user

device to a fourth location of the first side of the user device. In some embodiments of the

method, a guide scan indicator is used to guide the payment enabled card along the user device.

In some embodiments of the method, in order to guide the payment enabled card along the first

side of the user device, the guide scan indicator guides the payment enabled card from a first

guide scan indicator position on the display to a second guide scan indicator position on the

display.

[0087] In some embodiments, a system includes a processor and a non-transitory computer

readable medium coupled to the processor. The non-transitory computer readable medium

includes code, that when executed by the processor, causes the processor to: receive input from a

user of a user device to generate an optimal payment location on an application display; generate

Attorney Docket Number: 1100-210022 Client Reference Number: 545AUO1

a first boundary of the optimal payment location on the application display of the user device

based upon a first motion of a payment enabled card in a first direction; and generate a second

boundary of the optimal payment location on the application display of the user device based

upon a second motion of the payment enabled card in a second direction, wherein the first

boundary and the second boundary combine to form defining edges of the optimal payment

location. In some embodiments of the system, the first boundary of the optimal payment location

is generated by having the user of the user device guide the payment enabled card along a first

side of the user device. In some embodiments of the system, in order to generate the first

boundary of the optimal payment location, the payment enabled card is guided from a first

location of the first side of the user device to a second location of the first side of the user device.

In some embodiments of the system, the second boundary of the optimal payment location is

generated by having the user of the user device guide the payment enabled card along the first

side of the user device. In some embodiments of the system, in order to generate the second

boundary of the optimal payment location, the payment enabled card is guided from a third

location of the first side of the user device to a fourth location of the first side of the user device.

In some embodiments of the system, a space between the first boundary and the second boundary

forms the optimal payment location. In some embodiments of the system, a guide scan indicator

is used to guide the payment enabled card along the user device.

[0088] In some embodiments, a user device includes an application display and a guide scan

indicator located on the application display of the user device, wherein based upon guidance of a

payment enabled card by the guide scan indicator along the user device, an optimal payment

location is generated on the application display. In some embodiments of the user device, the

optimal payment location is determined by scanning the payment enabled card for a first response signal. In some embodiments of the user device, in order to generate afirst boundary of the optimal payment location, the payment enabled card is guided in a first direction to scan for the first response signal. In some embodiments of the user device, in order to generate a second boundary of the optimal payment location, the payment enabled card is guided in a second direction to scan for a second response signal. In some embodiments of the user device, the first boundary and the second boundary combine to form defining edges of the optimal payment location.

[0089] For purposes of the description, the terms "end," "upper," "lower," "right," "left,"

"vertical," "horizontal," "top," "bottom," "lateral," "longitudinal," and derivatives thereof shall

relate to the disclosure as it is oriented in the drawing figures. However, it is to be understood that

the disclosure may assume various alternative variations and step sequences, except where

expressly specified to the contrary. It is also to be understood that the specific devices and

processes illustrated in the attached drawings, and described in the following specification, are

simply exemplary embodiments or aspects of the disclosure. Hence, specific dimensions and

other physical characteristics related to the embodiments or aspects disclosed herein are not to be

considered as limiting.

[0090] Where any or all of the terms "comprise", "comprises", "comprised" or "comprising" are

used in this specification (including the claims) they are to be interpreted as specifying the

presence of the stated features, integers, steps or components, but not precluding the presence of

one or more other features, integers, steps or components.

Claims (20)

The claims defining the invention are as follows:

1. A method, comprising:

determining, at a user device, a first boundary of an optimal payment location of a

display of the user device; and

determining, at the user device, a second boundary of the optimal payment location of the

display of the user device, wherein the first boundary and the second boundary

combine to form defining edges of the optimal payment location.

2. The method of claim 1, further comprising:

generating, using a payment card image displayed on a partition of the display, the first

boundary and the second boundary of the optimal payment location.

3. The method of claim 1 or 2, further comprising:

generating the first boundary of the optimal payment location by having a user of the user

device guide a payment enabled card along a first side of the user device.

4. The method of claim 3, wherein:

in order to generate the first boundary of the optimal payment location, the payment

enabled card is guided from a first location of the first side of the user device to a

second location of the first side of the user device.

5. The method of claim 4, further comprising:

generating the second boundary of the optimal payment location by having the user of the

user device guide the payment enabled card along the first side of the user device.

6. The method of claim 5, wherein: in order to generate the second boundary of the optimal payment location, the payment enabled card is guided from a third location of the first side of the user device to a fourth location of the first side of the user device.

7. The method of claim 6, wherein:

a guide scan indicator is used to guide the payment enabled card along the user device.

8. The method of claim 7, wherein:

in order to guide the payment enabled card along the first side of the user device, the

guide scan indicator guides the payment enabled card from a first guide scan

indicator position on the display to a second guide scan indicator position on the

display.

9. A system, comprising:

a processor; and

a non-transitory computer readable medium coupled to the processor, the non-transitory

computer readable medium comprising code, that when executed by the

processor, causes the processor to:

receive input from a user of a user device to generate an optimal payment location

on an application display;

generate a first boundary of the optimal payment location on the application

display of the user device based upon a first motion of a payment enabled

card in a first direction; and

generate a second boundary of the optimal payment location on the application

display of the user device based upon a second motion of the payment

enabled card in a second direction, wherein the first boundary and the second boundary combine to form defining edges of the optimal payment location.

10. The system of claim 9, wherein:

the first boundary of the optimal payment location is generated by having the user of the

user device guide the payment enabled card along a first side of the user device.

11. The system of claim 10, wherein:

in order to generate the first boundary of the optimal payment location, the payment

enabled card is guided from a first location of the first side of the user device to a second

location of the first side of the user device.

12. The system of claim 10 or 11, wherein:

the second boundary of the optimal payment location is generated by having the user of

the user device guide the payment enabled card along the first side of the user device.

13. The system of any one of claims 10 to 12, wherein:

in order to generate the second boundary of the optimal payment location, the payment

enabled card is guided from a third location of the first side of the user device to a

fourth location of the first side of the user device.

14. The system of claim 13, wherein:

a space between the first boundary and the second boundary forms the optimal payment

location.

15. The system of claim 14, wherein:

a guide scan indicator is used to guide the payment enabled card along the user device.

16. A user device, comprising:

an application display; and a guide scan indicator located on the application display of the user device, wherein based upon guidance of a payment enabled card by the guide scan indicator along the user device, an optimal payment location is generated on the application display.

17. The user device of claim 16, wherein:

the optimal payment location is determined by scanning the payment enabled card for a

first response signal.

18. The user device of claim 17, wherein:

in order to generate a first boundary of the optimal payment location, the payment

enabled card is guided in a first direction to scan for the first response signal.

19. The user device of claim 18, wherein:

in order to generate a second boundary of the optimal payment location, the payment

enabled card is guided in a second direction to scan for a second response signal.

20. The user device of claim 19, wherein:

the first boundary and the second boundary combine to form defining edges of the

optimal payment location.