# US 12,008,535 B2 · Systems and methods for direct electronic communication of consumer information > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,535 B2 - Document ID: US12008535B2 - Status: Granted - Kind: B2 - Application number: 18/310,672 - Filed: 2023-05-02 - Published: 2023-08-24 - Granted: 2024-06-11 - Earliest claimed: 2016-11-16 - Assignees: Worldpay, LLC - Applicants: Worldpay, LLC - Inventors: Coy Christensen - Web page: https://patentgrep.com/patent/US12008535B2 ## CPC - G06Q 20/027: {involving a payment switch or gateway} - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/102: {Bill distribution or payments} - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights} - G06Q 20/401: {Transaction verification} - 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 ## Abstract A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate. An authentication certificate for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution may be generated by receiving a request for an authentication certificate from a requestor, the request comprising a requestor ID and one or more capabilities of the requestor, verifying the requestor ID, generating an authentication certificate for the requestor, and returning the generated authentication certificate to the requestor. ## Claims ### Claim 1 A method of direct submission of payment transaction requests from a point of sale (POS) terminal to a transaction server of a financial institution, the method comprising: receiving, by the transaction server and directly from the POS terminal over a computer network, a payment transaction request including payment information, a POS terminal certificate, and a payment vehicle certificate; and processing, by the transaction server, the payment transaction request according to the received payment information. ### Claim 2 (depends on 1) The method of claim 1, further comprising: receiving, by the transaction server, a request for a financial institution certificate from an authentication service; and transmitting, by the transaction server, the financial institution certificate to the authentication service for validation. ### Claim 3 (depends on 1) The method of claim 1, further comprising: declining, by the transaction server, the payment transaction request based on the payment transaction request violating at least one capability of a merchant associated with the POS terminal certificate, the at least one capability of the merchant associated with the POS terminal certificate being encoded in the POS terminal certificate. ### Claim 4 (depends on 1) The method of claim 1, further comprising: declining, by the transaction server, the payment transaction request based on the payment transaction request violating at least one capability of a consumer associated with a consumer certificate, the at least one capability of the consumer associated with the consumer certificate being encoded in the consumer certificate. ### Claim 5 (depends on 1) The method of claim 1, further comprising: transmitting, by the transaction server, at least one of the POS terminal certificate and the payment vehicle certificate to an authentication service for validation; and receiving, by the transaction server, a POS terminal certificate validation or a payment vehicle certificate validation from the authentication service. ### Claim 6 (depends on 5) The method of claim 5, further comprising: cancelling, by the transaction server, the payment transaction request when the authentication service returns a certificate validation error. ### Claim 7 (depends on 5) The method of claim 5, wherein the POS terminal certificate stores data defining one or more capabilities of a merchant associated with the POS terminal, and wherein the payment vehicle certificate stores data defining one or more capabilities of a consumer associated with the payment vehicle. ### Claim 8 A transaction server of a financial institution, the transaction server comprising: a memory configured to store instructions; and a processor configured to execute the instructions to perform operations comprising: receiving, directly from a point of sale (POS) terminal over a computer network, a payment transaction request including payment information, a POS terminal certificate, and a payment vehicle certificate; and processing the payment transaction request according to the received payment information. ### Claim 9 (depends on 8) The transaction server of claim 8, wherein the operations further comprise: receiving a request for a financial institution certificate from an authentication service; and transmitting the financial institution certificate to the authentication service for validation. ### Claim 10 (depends on 8) The transaction server of claim 8, wherein the operations further comprise: declining the payment transaction request based on the payment transaction request violating at least one capability of a merchant associated with the POS terminal certificate, the at least one capability of the merchant associated with the POS terminal certificate being encoded in the POS terminal certificate. ### Claim 11 (depends on 8) The transaction server of claim 8, wherein the operations further comprise: receiving a request for a financial institution certificate from an authentication service; and transmitting the financial institution certificate to the authentication service for validation. ### Claim 12 (depends on 8) The transaction server of claim 8, wherein the operations further comprise: declining the payment transaction request based on the payment transaction request violating at least one capability of a consumer associated with a consumer certificate, the at least one capability of the consumer associated with the consumer certificate being encoded in the consumer certificate. ### Claim 13 (depends on 8) The transaction server of claim 8, wherein the operations further comprise: transmitting at least one of the POS terminal certificate and the payment vehicle certificate to an authentication service for validation; and receiving a POS terminal certificate validation or a payment vehicle certificate validation from the authentication service. ### Claim 14 (depends on 13) The transaction server of claim 13, wherein the operations further comprise: cancelling the payment transaction request when the authentication service returns a certificate validation error. ### Claim 15 A non-transitory computer-readable medium storing instructions that, when executed by a processor of a transaction server of a financial institution, cause the transaction server to perform operations comprising: receiving, directly from a point of sale (POS) terminal over a computer network, a payment transaction request including payment information, a POS terminal certificate, and a payment vehicle certificate; and processing the payment transaction request according to the received payment information. ### Claim 16 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the operations further comprise: receiving a request for a financial institution certificate from an authentication service; and transmitting the financial institution certificate to the authentication service for validation. ### Claim 17 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the operations further comprise: declining the payment transaction request based on the payment transaction request violating at least one capability of a merchant associated with the POS terminal certificate, the at least one capability of the merchant associated with the POS terminal certificate being encoded in the POS terminal certificate. ### Claim 18 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the operations further comprise: receiving a request for a financial institution certificate from an authentication service; and transmitting the financial institution certificate to the authentication service for validation. ### Claim 19 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the operations further comprise: declining the payment transaction request based on the payment transaction request violating at least one capability of a consumer associated with a consumer certificate, the at least one capability of the consumer associated with the consumer certificate being encoded in the consumer certificate. ### Claim 20 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the operations further comprise: transmitting at least one of the POS terminal certificate and the payment vehicle certificate to an authentication service for validation; and receiving a POS terminal certificate validation or a payment vehicle certificate validation from the authentication service.