WO2018235098A1 - Système universel d'acceptation de paiement - Google Patents

Système universel d'acceptation de paiement Download PDF

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Publication number
WO2018235098A1
WO2018235098A1 PCT/IN2018/050403 IN2018050403W WO2018235098A1 WO 2018235098 A1 WO2018235098 A1 WO 2018235098A1 IN 2018050403 W IN2018050403 W IN 2018050403W WO 2018235098 A1 WO2018235098 A1 WO 2018235098A1
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WO
WIPO (PCT)
Prior art keywords
payment
payment collection
smart phone
pos device
collection
Prior art date
Application number
PCT/IN2018/050403
Other languages
English (en)
Inventor
Terugu VENKATACHALAPATHI
Bhaktha Ram Keshavachar
Original Assignee
Ezetap Mobile Solutions Private Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ezetap Mobile Solutions Private Limited filed Critical Ezetap Mobile Solutions Private Limited
Publication of WO2018235098A1 publication Critical patent/WO2018235098A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Definitions

  • the embodiments herein are generally related to a point of sale systems and universal payment systems.
  • the embodiments herein are particularly related to a universal payment acceptance system for financial transactions.
  • the embodiments herein are more particularly related to a single integrated point of sale device facilitating multiple payment modes.
  • POS devices enables the user to perform card transactions (credit cards or debit cards), and cash payments.
  • the POS devices generally comprises barcode scanners, a slot for reading card details, a keypad for entering PIN number, printers for printing receives, displays, telephone or computer links to obtain approval of transaction.
  • POS devices are typically bulk and require to be installed at a counter. Further, trained personnel are required at the counter for operating the POS device. In the recent years, efforts are made to make the POS device light and portable.
  • the card reader is a potable component and is provided to the consumers to enter the PIN number. However, the card reader still needs to be connected with a telephone line to establish telephone or internet connectivity.
  • the POS devices generally facilitate card payments or a single type of payment transaction. Therefore, a POS device enabling each type of payment mode is required for facilitating different types of payment modes available across the globe.
  • a universal payment acceptance device for enterprise or business accepting different payment modes is required to be installed with specific components for facilitating each type of transaction. This becomes cumbersome and costly.
  • mobile based payments have become quite popular. Most payment acceptance enterprises make use of mobile based payment collections. However, mobile based payment collections are not possible with the typical POS device.
  • the primary object of the embodiments herein is to provide an integrated point of sale (POS) device acting as a universal payment acceptance system (UPAS).
  • POS point of sale
  • UPAS universal payment acceptance system
  • Another object of the embodiments herein is to provide a UPAS offering a single stop solution for facilitating all types of payment collection using a single handheld device.
  • Yet another object of the embodiments herein is to provide an integrated handheld POS device for rendering the functions of a smart phone to the consumers and functions of a POS device to payment acceptance enterprises and merchants.
  • Yet another object of the embodiments herein is to provide a UPAS secured and certified for closed loop payments and open loop payments.
  • Yet another object of the embodiments herein is to provide an integrated handheld POS device that is portable across the geography and is capable of being connected to payment networks across locations covered by telephone operators and internet providers.
  • Yet another object of the embodiments herein is to provide a hybrid integrated solution for universal payment acceptance system.
  • Yet another object of the embodiments herein is to provide an integrated handheld POS device capable of making phone calls while accepting card payments for gaining approval of the payments.
  • Yet another object of the embodiments herein is to provide an integrated handheld POS device acting as a wallet device for consumer and a payment acceptance device for merchants.
  • Yet another object of the embodiments herein is to provide a UPAS complying with multiple payment regulatory standards and multiple payment methods and standards.
  • Yet another object of the embodiments herein is to offer convenience of payment acceptance while ensuring highest security for customer's sensitive information [0018] Yet another object of the embodiments herein is to provide a UPAS accepting biometric authentication services for payment transaction and Know Your Client (KYC) applications
  • Yet another object of the embodiments herein is to provide a UPAS accepting QR code based payments and applications operating under bank and regulatory guidelines
  • Yet another object of the embodiments herein is to enable a user of a UPAS to leverage barcode scanner capability to innovate applications on UPAS platform.
  • the various embodiments herein provide an integrated point of sale (POS) device acting as a universal payment acceptance system (UPAS).
  • POS point of sale
  • UPAS universal payment acceptance system
  • the integrated handheld POS device is a single handled intelligent device for facilitating a plurality of payment collection methods.
  • the integrated handheld POS device is configured to meet a plurality of payment regulatory requirements.
  • the integrated handheld POS device offers a wide range of services to the merchants, retailers, e-commerce deliveries, bankers, electronic payments, checkout systems and mobile payment systems.
  • the integrated handheld POS device is capable of being portably moved across the geography for payment collection.
  • an integrated handheld point of sale (POS) device acting as a universal payment acceptance system (UPAS) for facilitating a plurality of payment collection modes comprises a main body, a chip card slot, a card swipe slot, a camera, a biometric sensor, a plurality of LED indicators and a processor.
  • the main body is configured to act as a smart phone for enabling a user to perform a first set of payment collection modes.
  • the main body comprises a plurality of components configured for enabling a user to access features of a smart phone.
  • the smart phone comprises plurality of applications running on an operating system for enabling the plurality of payment collection method.
  • the smart phone provides data connectivity required for enabling the plurality of payment collection modes.
  • the chip card slot in-built on the main body is configured for enabling the user to perform chip card payment collection.
  • the user is enabled to perform the chip card payment collection by inserting chip cards including Europay, MasterCard and Visa (EMV) chip cards into the chip card slot.
  • EMV Europay, MasterCard and Visa
  • the card swipe slot in-built on the main body is configured to enable the user to perform magnetic stripe card payment collection.
  • the user is enabled to perform the magnetic stripe card payment collection by swiping the magnetic stripe card in the card swipe slot and entering an authentication pin number using a keypad on a second display.
  • the camera in-built on the main body is configured for enabling bar code payment collection, wherein the barcode payment collection is performed by scanning codes such as barcodes and QR codes on products using camera.
  • the barcode payment collection mode includes cash payments and cheque payment.
  • the biometric sensor in-built on the main body is configured for authenticating payment collection modes based on biometric characteristics.
  • the plurality of LED indicators in-built on the main body is configured for indicating contactless payment collection.
  • the contactless payment collection is enabled by application running on the android platform.
  • the processor in-built in the main body is configured to initiate a plurality of instruction stored in a memory when a plurality of payment collection method is activated.
  • the main body comprises the plurality of components including a SIM card slot, a first display, a speaker, a mic, a plurality of power buttons, a plurality of docking pads, and a plurality of USB ports.
  • the SIM card slot is configured for inserting a SIM to the smart phone for providing data connectivity.
  • the first display is configured for accessing features of the smart phone.
  • the speaker is configured for receiving phone calls via smart phone.
  • the mic is configured for amplifying voice while speaking over the phone calls.
  • the plurality of power buttons is configured to switch ON and switch OFF the integrated POS device.
  • the plurality of docking pads is configured for charging the integrated POS device without wired connection.
  • the plurality of USB ports is configured for connecting the integrated handheld POS device with any other systems using a wire connection for data transfer and charging batteries.
  • the smart phone enables the first set of payment collection modes selected from a group consisting of online payment, transactions card not present (CNP) transactions, bank account transactions, loyalty payment collection and wallet payment collection.
  • CNP transactions card not present
  • the smart phone authenticates the first set of payment collection using a one-time password (OTP) received on the smart phone.
  • OTP one-time password
  • the integrated handheld POS device is a hybrid device with features of a smart phone and a POS device.
  • the smart phone works on an android operating system.
  • the smart phone enables the user to accept payment via different payment collection modes by establishing a data connectivity using the smart phone.
  • the smart phone enables the user to accept a plurality of payments simultaneously via different payment collection modes by establishing data connectivity through a conference call using the smart phone.
  • the integrated handheld POS device supports cash registry feature and cheque registry feature on the android platform to enable a user to perform barcode payment collection.
  • the chip card payment collection performed by inserting the chip card into the chip card slot is authenticated when the chip card and the EMV component of the integrated handheld POS device engage in data exchange during insertion.
  • the second keypad on the integrated handheld POS device is a Point Of Sale Pin Transaction Security Standard (PCI-PTS) certified keypad.
  • PCI-PTS Point Of Sale Pin Transaction Security Standard
  • the integrated POS device is capable of being portably moved across the geography for payment collection.
  • the plurality of contactless payment collections are selected from a group consisting of NFC/EM V contactless payment collection, Apple pay, Host Card Emulation (HCE) payment collection and Samsung pay.
  • NFC/EM V contactless payment collection Apple pay
  • HCE Host Card Emulation
  • the plurality of payment collection modes supported by the integrated handheld POS device are selected from a group consisting of Cash register, Cheque register, Magnetic stripe card payment collection, EMV chip card payment collection, EMV Contactless payment collection, Payment collections authenticated with PIN, PCI-PTS compliance payment collection, Remote payment collection, Bit coin collection, Loyalty payment collection, Aadhaar based payment collection, UPI payment collection, Mobile Number based payment collection, WhatsApp payment collection, Wallet payment collection, and other mobile phone dependent payment collection modes.
  • the integrated handheld POS device meets a plurality of payment regulatory requirements including Point of Sale Pin Transaction Security Standard (PCI PTS), Europay, MasterCard and Visa (EMV), Payment Card Industry Data Security Standards (PCI-DSS), Standardization Testing and Quality Certification (STQC), Unique Identification Authority of India (UIDAI), Aadhaar Enabled Payment System (AEPS), Bharath QR.
  • PCI PTS Point of Sale Pin Transaction Security Standard
  • EMV Europay, MasterCard and Visa
  • PCI-DSS Payment Card Industry Data Security Standards
  • STQC Standardization Testing and Quality Certification
  • UUIDAI Unique Identification Authority of India
  • AEPS Aadhaar Enabled Payment System
  • Bharath QR Bharath QR.
  • the integrated handheld POS device is further connected to a plurality of devices selected from a group consisting Bluetooth printer and scanner using wired connections or wireless connections.
  • the integrated handheld POS device is operated on a Secure platform to facilitate the operation of device with the convenience of open operating system to enable the users to install their own applications without any restriction except for the compliance with OS vendor, unlike other locked devices having restriction on the apps.
  • the system is configured to perform unique integration of serial communication between various modules within the unit makes product robust and efficient with the power consumption.
  • UPAS is also a capable of inventory management for retail stores, which is configured to read the RFID tags to consolidate the store SKUs and other information provided by tags.
  • the sale transactions include financial and other related transactions like an identity transaction, loyalty transaction, credit-check transaction et al.
  • financial and other related transactions like an identity transaction, loyalty transaction, credit-check transaction et al.
  • FIG.1A illustrates a front view of an integrated handheld Point of Sale (POS) device, according to one embodiment of the embodiments herein.
  • POS Point of Sale
  • FIG. IB illustrates a rear view of an integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. 1C illustrates a first side view of the integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. ID illustrates a second side view of the integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. IE illustrates a top view of the integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. IF illustrates a bottom view of the integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. 2A illustrates a front view of an alternate design of an integrated Point of Sale (POS) device, according to one embodiment of the embodiments herein.
  • FIG. 2B illustrates a side view of an alternate design of an integrated handheld POS device, according to one embodiment of the embodiments herein.
  • POS Point of Sale
  • FIG. 2C illustrates a rear view of an alternate design of an integrated handheld POS device, according to one embodiment of the embodiments herein.
  • the various embodiments of the embodiments herein provide an integrated point of sale (POS) device acting as a universal payment acceptance system (UPAS).
  • POS point of sale
  • UPAS universal payment acceptance system
  • the integrated handheld POS device is a single handled intelligent device for facilitating a plurality of payment collection methods.
  • the integrated handheld POS device is configured to meet a plurality of payment regulatory requirements.
  • the integrated handheld POS device offers a wide range of services to the merchants, retailers, e-commerce deliveries, bankers, electronic payments, checkout systems and mobile payment systems.
  • the integrated handheld POS device is capable of being portably moved across the geography for payment collection.
  • an integrated handheld point of sale (POS) device acting as a universal payment acceptance system (UPAS) for facilitating a plurality of payment collection modes is disclosed.
  • the integrated handheld POS device comprises a main body, a chip card slot, a card swipe slot, a camera, a biometric sensor, a plurality of LED indicators and a processor.
  • the main body is configured to act as a smart phone for enabling a user to perform a first set of payment collection modes.
  • the main body comprises a plurality of components configured for enabling a user to access features of a smart phone.
  • the smart phone comprises plurality of applications running on an operating system for enabling the plurality of payment collection method.
  • the smart phone provides data connectivity required for enabling the plurality of payment collection modes.
  • the chip card slot in-built on the main body is configured for enabling the user to perform chip card payment collection.
  • the user is enabled to perform the chip card payment collection by inserting chip cards including Europay, MasterCard and Visa (EMV) chip cards into the chip card slot.
  • EMV Europay, MasterCard and Visa
  • the card swipe slot in-built on the main body is configured to enable the user to perform magnetic stripe card payment collection.
  • the user is enabled to perform the magnetic stripe card payment collection by swiping the magnetic stripe card in the card swipe slot and entering an authentication pin number using a keypad on a second display.
  • the camera in-built on the main body is configured for enabling bar code payment collection, wherein the barcode payment collection is performed by scanning codes such as barcodes and QR codes on products using camera.
  • the barcode payment collection mode includes cash payments and cheque payment.
  • the biometric sensor in-built on the main body is configured for authenticating payment collection modes based on biometric characteristics.
  • the plurality of LED indicators in-built on the main body is configured for indicating contactless payment collection.
  • the contactless payment collection is enabled by application running on the android platform.
  • the processor in-built in the main body is configured to initiate a plurality of instruction stored in a memory when a plurality of payment collection method is activated.
  • the main body comprises the plurality of components including a SIM card slot, a first display, a speaker, a mic, a plurality of power buttons, a plurality of docking pads, and a plurality of USB ports.
  • the SIM card slot is configured for inserting a SIM to the smart phone for providing data connectivity.
  • the first display is configured for accessing features of the smart phone.
  • the speaker is configured for receiving phone calls via smart phone.
  • the mic is configured for amplifying voice while speaking over the phone calls.
  • the plurality of power buttons is configured to switch ON and switch OFF the integrated POS device.
  • the plurality of docking pads is configured for charging the integrated POS device without wired connection.
  • the plurality of USB ports is configured for connecting the integrated handheld POS device with any other systems using a wire connection for data transfer and charging batteries.
  • the smart phone enables the first set of payment collection modes selected from a group consisting of online payment, transactions card not present (CNP) transactions, bank account transactions, loyalty payment collection and wallet payment collection.
  • CNP transactions card not present
  • the smart phone authenticates the first set of payment collection using a one-time password (OTP) received on the smart phone.
  • OTP one-time password
  • the integrated handheld POS device is a hybrid device with features of a smart phone and a POS device.
  • the smart phone works on an android operating system.
  • the smart phone enables the user to accept payment via different payment collection modes by establishing a data connectivity using the smart phone.
  • the smart phone enables the user to accept a plurality of payments simultaneously via different payment collection modes by establishing data connectivity through a conference call using the smart phone.
  • the integrated handheld POS device supports cash registry feature and cheque registry feature on the android platform to enable a user to perform barcode payment collection.
  • the chip card payment collection performed by inserting the chip card into the chip card slot is authenticated when the chip card and the EMV component of the integrated handheld POS device engage in data exchange during insertion.
  • the second keypad on the integrated handheld POS device is a Point Of Sale Pin Transaction Security Standard (PCI-PTS) certified keypad.
  • PCI-PTS Point Of Sale Pin Transaction Security Standard
  • the integrated POS device is capable of being portably moved across the geography for payment collection.
  • the plurality of contactless payment collections are selected from a group consisting of NFC/EM V contactless payment collection, Apple pay, Host Card Emulation (HCE) payment collection and Samsung pay.
  • the plurality of payment collection modes supported by the integrated handheld POS device are selected from a group consisting of Cash register, Cheque register, Magnetic stripe card payment collection, EMV chip card payment collection, EMV Contactless payment collection, Payment collections authenticated with PIN, PCI-PTS compliance payment collection, Remote payment collection, Bit coin collection, Loyalty payment collection, Aadhaar based payment collection, UPI payment collection, Mobile Number based payment collection, WhatsApp payment collection, Wallet payment collection, and other mobile phone dependent payment collection modes.
  • the integrated handheld POS device meets a plurality of payment regulatory requirements including Point of Sale Pin Transaction Security Standard (PCI PTS), Europay, MasterCard and Visa (EMV), Payment Card Industry Data Security Standards (PCI-DSS), Standardization Testing and Quality Certification (STQC), Unique Identification Authority of India (UIDAI), Aadhaar Enabled Payment System (AEPS), Bharath QR.
  • PCI PTS Point of Sale Pin Transaction Security Standard
  • EMV Europay, MasterCard and Visa
  • PCI-DSS Payment Card Industry Data Security Standards
  • STQC Standardization Testing and Quality Certification
  • UUIDAI Unique Identification Authority of India
  • AEPS Aadhaar Enabled Payment System
  • Bharath QR Bharath QR.
  • the integrated handheld POS device is further connected to a plurality of devices selected from a group consisting Bluetooth printer and scanner using wired connections or wireless connections.
  • an integrated point of sale (POS) device acting as a universal payment acceptance system (UPAS) is provided.
  • the integrated handheld POS device is a single handheld intelligent device for facilitating a plurality of payment collection modes.
  • the plurality of payment collection modes is performed for various financial transactions, sale transaction and other related transactions.
  • the UPAS is a hybrid device comprising the features of both smart phone and a POS device.
  • the integrated handheld POS device comprises a smart phone operating on an android operating system or any other operating system. Therefore, the integrated POS system enables the user to accept payment via different payment modes by establishing a data connectivity using the smart phone. Further, the integrated handheld POS device enables a user to accept multiple payments by connecting through a conference call using the smart phone.
  • the integrated handheld POS device comprises the smart phone with a plurality of components in-built on the smart phone for facilitating payment collection.
  • the plurality of components include speaker, mic, power buttons, docking pads and USB ports, chip card slot, card swipe slot, biometric sensor, LED indicators, a pair of display, etc.
  • the smart phone in the integrated handheld POS device is configured to enable a user to access the features of a (an android) smart phone.
  • the plurality of components including speaker, mic, power buttons, docking pads and USB ports is configured to enable the user to access the features of the smart phone.
  • the smart phone is provided with one time password (OTP) authentication type payment modes. Further, the smart phone is configured to enable the user to browse different merchant websites for initiating an online payment transaction or card not present (CNP) transaction.
  • URL is sent to the smart phone from the integrated handheld POS device without additional dedicated server application. The authentication of URL is performed using mobile SIM connectivity of the smart phone.
  • the smart phone is configured to enable the user to perform mobile number based payment collections.
  • the mobile number based payment collections include bank account transactions linked to one of social media and mobile number of the user.
  • the social media includes WhatsApp, Facebook, Twitter and the like.
  • the mobile number based payment collections are performed with OTP authentication.
  • the smart phone is configured to enable the user to perform wallet payment collection.
  • the wallet payment collection is performed via a wallet payment application in the smart phone.
  • the wallet payment is authenticated using OTP authentication.
  • the chip card slot is configured to enable chip card payments.
  • the chip cards are inserted into the chip card slot.
  • the chip card slot and the EMV element of integrated POS unit engage in data exchange to complete the authentication and payment transaction.
  • the user is enabled to enter personal identification number (PIN) via a PCI-PTS certified keypad for authenticating magnetic stripe card payment using PIN authentication.
  • PIN personal identification number
  • the biometric sensor is configured for authenticating a plurality of mutually different payment modes based on biometric characteristics.
  • the biometric sensor enables Aadhaar based payment collection with biometric authentication.
  • the camera acts as a scanner and is configured to read QR codes.
  • the camera is configured to enable bar code payments.
  • the integrated handheld POS device supports cash registry feature and cheque registry features on the android platform. Therefore, a user is enabled to initiate cash payments and cheque payments by reading the bar codes on the products using the camera.
  • the LED indicators are NFC/EMV contactless pay indicators.
  • the integrated handheld POS device enables NFC/EMV contactless payments via applications running on android platform.
  • the type of contactless payment also includes Apple pay and host card emulation (HCE) payment.
  • the LED indicators blink to indicate the contactless payments.
  • a built in magnetic feeder in the integrated handheld POS device supports Samsung pay. Therefore, the unique combination of android platform, biometric sensor, camera, pair of display, and data connectivity makes the integrated handheld POS device a UPAS.
  • FIG. 1A illustrates a front view of an integrated Point of Sale (POS) device, according to one embodiment of the embodiments herein.
  • FIG. IB illustrates a rear view of an integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. 1C illustrates a first side view of the integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. ID illustrates a second side view of the integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. IE illustrates a top view of the integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. IF illustrates a bottom view of the integrated handheld POS device, according to one embodiment of the embodiments herein.
  • the integrated handheld POS device acting as a universal payment acceptance system (UPAS) is explained.
  • the integrated handheld POS device is a hybrid device comprising features of smart phones and point of sale devices.
  • the integrated handheld POS device comprises a smart phone 102 with a plurality of components in-built on the smart phone for facilitating a plurality of payment collection modes.
  • the smart phone 102 operates on an android operating system.
  • the integrated handheld POS device further comprises the plurality of components including chip card slot 104, card swipe slot 106, biometric sensor 108, camera 110, a pair of display 112a and 112b, an LED indicator 114, speaker 116 , mic 118, power buttons 120, docking pads 122, USB ports 124, and volume button 126.
  • the integrated handheld POS device includes a plurality of applications running on the android platform facilitating the plurality of payment collection modes.
  • the chip card slot 104 is configured to enable chip card payments.
  • the chip cards including Europay, MasterCard and Visa (EMV) chip cards are inserted into the chip card slot 104.
  • the chip card slot 104 is EMV POS level 1 certified.
  • the chip card and the EMV element of integrated handheld POS device engage in data exchange to complete the authentication and payment transaction.
  • the card swipe slot 106 is configured to enable magnetic stripe card payments.
  • the user is enabled to enter personal identification number (PIN) via a keypad on a second display 112b for authenticating magnetic stripe card payment using PIN authentication.
  • the second display 112b is a pin entry device.
  • the keypad on the second display 112b is a Point Of Sale Pin Transaction Security Standard (PCI PTS) certified keypad for entering PIN.
  • PCI PTS Point Of Sale Pin Transaction Security Standard
  • the biometric sensor 108 is configured for authenticating different payment collection modes based on biometric characteristics of the user.
  • the biometric sensor 108 could be any sensor for sensing biometric characteristics including but not limited to face detector, fingerprint sensor, iris detector and the like.
  • the biometric sensor 108 is a Unique Identification Authority of India (UIDAI) registered fingerprint sensor for fingerprint based authentication.
  • UDAI Unique Identification Authority of India
  • the biometric sensor 108 enables Aadhaar based payment collection with fingerprint authentication.
  • the biometric sensor 108 facilitates Aadhaar Enabled Payment System (AEPS) payment through the integrated handheld POS device.
  • AEPS Aadhaar Enabled Payment System
  • the integrated handheld POS device supports different applications for performing various financial transactions such as Electronic-Know Your Customer (e-KYC) transactions.
  • the camera HOacts as a scanner and is configured to read QR codes.
  • the integrated handheld POS device is configured to generate dynamic QR codes.
  • the camera 110 is configured to enable bar code payments via the integrated handheld POS device.
  • the integrated handheld POS device supports cash registry feature and cheque registry features on the android platform. Therefore, a user is enabled to initiate cash payments and cheque payments by reading the bar codes on the products using the camera 110.
  • the LED indicators 114 are NFC/EMV contactless pay indicators.
  • the integrated handheld POS device enables NFC/EMV contactless payments via applications running on android platform.
  • the type of contactless payment also includes Apple pay and Host Card Emulation (HCE) payment.
  • the integrated handheld POS device comprises EMV Level 1 certified contactless interface for NFC contactless payment authentication.
  • the LED indicators 114 blink to indicate the contactless payments.
  • a built in magnetic feeder in the integrated handheld POS device supports Samsung pay. According to one embodiment, the contactless payment is performed by bringing the chip card near a contact- less symbol near on the second display 112b.
  • the integrated handheld POS device enables a user to receive phone calls and use other features of the smart phone 102.
  • the smart phone 102 enables a user to initiate one time password (OTP) authentication payment modes. Further, the smart phone 102 enables the user to browse different merchant websites and initiate online payment transactions or card not present (CNP) transaction.
  • OTP one time password
  • CNP card not present
  • the smart phone 102 enables user to perform mobile number based payment collections.
  • the mobile number based payment collection includes bank account transactions linked to one of social media and mobile number of the user.
  • the social media includes WhatsApp, Facebook, Twitter and the like.
  • the mobile number based transactions are performed with OTP authentication.
  • smart phone 102 enables the user to perform wallet payment collection.
  • the wallet payment is performed via a wallet payment application in the smart phone 102.
  • the user is enabled to initiate wallet payment by entering mobile number of the user while purchasing using the wallet payment application.
  • an OTP is generated and send to the smart phone 102 of the user.
  • the user is enabled to complete the wallet payment collection by entering the OTP received on the smart phone 102 back into the integrated handheld POS device.
  • the user is enabled to enter the OTP via a second display 112b among the pair of display.
  • the integrated handheld POS device enables loyalty payment collection.
  • the cards, URLs or promotional codes issued by the supporting system are processed by the smart phone 102 by communicating with an issuer's remote server.
  • the integrated handheld POS device enables Unified Payments Interface (UPI) payments using the smart phone 102.
  • the integrated handheld POS device supports cryptocurrency acceptance with dedicated applications running on the android platform.
  • the speaker 116 is configured for receiving calls via smart phone 102.
  • the mic 118 is configured for amplifying voice while speaking over the calls.
  • the power buttons 120 is configured to switch ON and switch OFF the integrated handheld POS device.
  • the volume button 126 enables the user to increase or decrease the volume.
  • the USB port 124 is configured for connecting the device with any other systems using a wire connection. Further, the USB ports 124are used for charging the integrated handheld POS device.
  • the docking pads 122 are also used for charging the integrated handheld POS device without wired connection.
  • the integrated handheld POS system is further connected to a printer via wireless connection such as
  • FIG. 2A illustrates a front view of an integrated Point of Sale (POS) device, according to one embodiment of the embodiments herein.
  • FIG. 2B illustrates a side view of an alternate design of an integrated handheld POS device, according to one embodiment of the embodiments herein.
  • FIG. 2C illustrates a rear view of an alternate design of an integrated handheld POS device, according to one embodiment of the embodiments herein.
  • the different modules of the integrated handheld POS device and its working are the same as described in FIG. 1A-1F.
  • the integrated handheld device also comprises a contact- less icon 202 on the second display 112b configured for enabling contact-less payments. The contact- less payments are made by bringing a chip card near to the contact-less icon 202. Further, the LED light indicators 114 blinks to indicate the contact-less payment is happening.
  • the integrated handheld POS device meets a plurality of payment regulatory requirements and a plurality of payment modes.
  • the plurality of payment regulatory requirements includes but not limited to Point of Sale Pin Transaction Security Standard (PCI PTS), Europay, MasterCard and Visa (EMV), Payment Card Industry Data Security Standards (PCI-DSS), Standardization Testing and Quality Certification (STQC), Unique Identification Authority of India (UIDAI), Aadhaar Enabled Payment System (AEPS), Bharath QR.
  • the plurality of payment modes supported by the integrated handheld POS device includes but not limited to Cash register, Cheque register, Magnetic stripe card payment collection, EMV chip card payment collection, EMV Contactless payment collection, Payments with second authentication factor like PIN, PCI-PTS compliance payment collection, Remote payment - URL generation to payer, Bit coin collection, Loyalty payment collection, Aadhaar based payment collection with biometric authentication, UPI payment collection, Mobile Number based payment collection, WhatsApp payment collection, Wallet payment collection, and other mobile phone dependent payment modes.
  • the integrated handheld POS device support different applications available on the Google play store.
  • the integrated handheld POS device is also compliant to Bureau of Indian Standards (BIS) requirements.
  • the combination of different modules in the UPAS facilitates different types of transactions.
  • the UPAS is used for different type of financial transactions other that sales transactions.
  • UPAS is used for other types of transactions including but not limited to identity transaction, loyalty transaction, credit-check transaction and the like.
  • the UPAS is also a capable of inventory management for retail stores. The inventory management is performed by reading RFID tags to consolidate the store SKUs and other information provided by RFID tags.
  • the mechanical arrangements of different modules of the integrated handheld POS device on the main body can be different manner.
  • the universal payment acceptance system generates a secure platform offering convenience of open operating system for the user to install applications without any restriction except for the compliance with OS vendor.
  • the unique integration of serial communication between different modules of the integrated handheld POS device makes the UPAS robust and efficient in terms of power consumption.
  • the various embodiments herein provide a universal payment acceptance system (UPAS) facilitating multiple payment modes available across the globe.
  • the UPAS is a single portable handheld device capable of accepting payments. Unlike traditional POS system requiring a POS device for facilitating payment and a mobile phone for telephone or internet connectivity, the UPAS is an integrated handheld POS device comprising a smart phone with a plurality of in-built components for facilitating the functions of a POS. Therefore the UPAS is hybrid, portable and light to handle.
  • the smart phone in the UPAS facilitates telephone or internet connectivity.
  • the UPAS supports features of smart phone including SIM, Wi-Fi and Bluetooth based connectivity thereby providing rich Android user experience.
  • the UPAS comprises a pair of display, where one display act as a touch sensitive user interface of the smart phone and a second display is dedicated for PIN entry of a POS device.
  • the UPAS enables user to accept payment by connecting to a server by making a phone call using the smart phone. Further, multiple payments care accepted via the UPAS by making a conference call using the smart phone.
  • the UPAS acts as a wallet payee device for the consumers and a payment acceptance device for the merchant.
  • the UPAS is configured to meet a plurality of payment regulatory requirements. Therefore the UPAS is secure and certified for both closed loop payments and open loop payments.
  • the UPAS generates reports based on artificial intelligence or subscription.

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  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

L'invention concerne un système universel d'acceptation de paiement (UPAS) facilitant de multiples modes de paiement. L'UPAS est un dispositif portable intelligent portable. L'UPAS est conçu de façon à répondre à une pluralité d'exigences de réglementation de paiement, fournissant ainsi des paiements en boucle fermée et certifiés et des paiements en boucle ouverte. L'UPAS est un dispositif hybride fournissant des fonctions du téléphone intelligent et un dispositif POS. L'UPAS est un dispositif de point de vente portatif intégré comprenant un téléphone intelligent intégré à une pluralité de composants pour faciliter la collecte de paiements. La pluralité de composants comprenant un haut-parleur, des boutons de puissance, des boutons de puissance, des plaquettes d'accueil et des ports USB, une fente de carte à puce, une fente de balayage de carte, un capteur biométrique, des indicateurs DEL, une paire d'écrans. Le dispositif de point de vente portatif intégré facilite de multiples modes de paiement en établissant une connectivité téléphonique ou internet à l'aide du téléphone intelligent.
PCT/IN2018/050403 2017-06-20 2018-06-20 Système universel d'acceptation de paiement WO2018235098A1 (fr)

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IN201741021537 2017-06-20

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2021231521A1 (fr) * 2020-05-13 2021-11-18 Dotgo Systems Inc. Message de mot de passe à usage unique enrichi
US20210383356A1 (en) * 2020-06-08 2021-12-09 Capital One Services, Llc Emv secure chip communications
CN114565375A (zh) * 2022-02-10 2022-05-31 上清童子(北京)投资顾问有限公司 一种智能pos终端设备

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CN204331923U (zh) * 2014-11-28 2015-05-13 何龙 一种应用在手机上的pos机

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Publication number Priority date Publication date Assignee Title
CN204331923U (zh) * 2014-11-28 2015-05-13 何龙 一种应用在手机上的pos机

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2021231521A1 (fr) * 2020-05-13 2021-11-18 Dotgo Systems Inc. Message de mot de passe à usage unique enrichi
GB2609165A (en) * 2020-05-13 2023-01-25 GupShup Inc Rich one-time password message
CN116134783A (zh) * 2020-05-13 2023-05-16 库珀舒珀有限公司 丰富一次性密码信息
US11991167B2 (en) 2020-05-13 2024-05-21 Gupshup Inc. Rich one-time password message
US20210383356A1 (en) * 2020-06-08 2021-12-09 Capital One Services, Llc Emv secure chip communications
US11900357B2 (en) * 2020-06-08 2024-02-13 Capital One Services, Llc EMV secure chip communications
CN114565375A (zh) * 2022-02-10 2022-05-31 上清童子(北京)投资顾问有限公司 一种智能pos终端设备

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