# US 12,118,529 B2 · Systems and methods for reader device registration, use and management

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- Number: US 12,118,529 B2
- Document ID: US12118529B2
- Status: Granted
- Kind: B2
- Application number: 17/891,707
- Filed: 2022-08-19
- Published: 2022-12-15
- Granted: 2024-10-15
- Earliest claimed: 2016-09-08
- Assignees: Stripe, Inc.
- Applicants: Stripe, Inc.
- Inventors: Jonathan Wall; Ross Favero; Eric Nelson Glass
- Web page: https://patentgrep.com/patent/US12118529B2

## CPC

- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/3576: {Multiple memory zones on card}
- G06Q 20/3829: {involving key management}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"}
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- 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

Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

## Claims

### Claim 1

A method, comprising:
intercepting, by an interface executed by a processing system of a terminal device, a first request message from a point of sale device, the first request message comprising a request for first user data;
translating, by a protocol parser of the interface, the first request message from a first format supported by the point of sale device to a second format supported by an payex application of the terminal device;
sending, by the interface, a translated version of the first request message in the second format to the application;
receiving, by the application executed by the processing system of the terminal device. a second request message from a service gateway, the second request message comprising a request for second user data, the second user data supported by a service of the application and not requested by the point of sale device;
processing, by the application executed by the processing system of the terminal device, the translated version of the first request message in the second format and the second request message to determine a user interface flow for the application out-of-band with the point of sale device;
causing, by the application executed by the processing system of the terminal device, a user interface to render the request for the first user data on a display of the terminal device in the user interface flow;
storing, by the application in a synchronization data store in a memory of the terminal device, the first user data in response to a determination that the first user data has been captured at an input of the terminal device;
polling, by the interface, the synchronization data store for the first user data;
communicating, by the interface from the synchronization data store, the first user data to the point of sale device in a message having a format supported by the point of sale device;
causing, by the application executed by the processing system of the terminal device, the user interface to render the request for the second user data on the display of the terminal device in the user interface flow; and
communicating, by the application executed by the processing system of the terminal device, the second user data to the service gateway in response to a determination that the second user data has been captured at the input of the terminal device.

### Claim 2 (depends on 1)

The method of claim 1, wherein the protocol parser is a first protocol parser of a set of protocol parsers, and each protocol parser from the set of protocol parsers corresponds to a different request message type, and the method further comprises:
determining, by the interface, a message type of the first request message; and
identifying, by the interface based on the determined message type, the first protocol parser from the set of protocol parsers for performing translation of the first request message.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
determining, by the interface, a message intent associated with the first request message; and
mapping the message intent to information, an action, or a combination thereof associated with the message intent.

### Claim 4 (depends on 3)

The method of claim 3, wherein the mapping is performed by the interface based on an intent map stored within a memory of the terminal device, wherein the intent map comprises request type mappings from each possible request message type of the point of sale device to information requested from, actions to be performed by, or a combination thereof of the terminal device.

### Claim 5 (depends on 4)

The method of claim 4, wherein the mapping is performed by the interface based on the intent map comprising a unique set of request type mappings from request message types to functions supported by a version of the payment application, one or more capabilities of the terminal device, or a combination thereof.

### Claim 6 (depends on 1)

The method of claim 1, wherein the first user data comprises one or more of a user phone number, a user email address, and a card number.

### Claim 7 (depends on 1)

The method of claim 1, wherein the input of the terminal device comprises one or more of a touchscreen display, a button, an emv card interface, a magnetic strip reader, or a near field communications interface.

### Claim 8 (depends on 1)

The method of claim 1, wherein the protocol parser comprises a plurality of protocol parsers and translating, by the protocol parser of the interface, the first request message from the first format supported by the point of sale device to the second format supported by the application of the terminal device comprises:
extracting, by the interface, a request type from the first request message;
identifying, by the interface, the protocol parser from the plurality of protocol parsers based on the request type;
extracting, by the protocol parser, a form type corresponding to the first request message; and
utilizing an intent map to determine, based on the form type, a response needed to satisfy the first request message from the point of sale device.

### Claim 9 (depends on 8)

The method of claim 8, wherein the intent map is generated based on a plurality of protocols for merchant and terminal interactions.

### Claim 10

A terminal device, comprising:
at least one processor; and
a memory;
the at least one processor coupled with the memory and being configured to perform operations, comprising:
intercepting a first request message from a point of sale device, the first request message comprising a request for first user data;
translating the first request message from a first format supported by the point of sale device to a second format supported by an application of the terminal device;
sending a translated version of the first request message in the second format to the application;
receiving a second request message from a service gateway, the second request message comprising a request for second user data, the second user data supported by a service of the application and not requested by the point of sale device;
processing the translated version of the first request message in the second format and the second request message to determine a user interface flow for the application out-of-band with the point of sale device;
causing a user interface to render the request for the first user data on a display of the terminal device in the user interface flow;
storing, in a synchronization data store in a memory of the terminal device, the first user data in response to a determination that the first user data has been captured at an input of the terminal device;
polling the synchronization data store for the first user data:
communicating, from the synchronization data store, the first user data to the point of sale device in a message having a format supported by the point of sale device;
causing the user interface to render the request for the second user data on the display of the terminal device in the user interface flow; and
communicating the second user data to the service gateway in response to a determination that the second user data has been captured at the input of the terminal device.

### Claim 11 (depends on 10)

The terminal device of claim 10, wherein the protocol parser is a first protocol parser of a set of protocol parsers, and each protocol parser from the set of protocol parsers corresponds to a different request message type, and the at least one processor is further configured to perform operations, comprising:
determining, by the interface, a message type of the first request message; and
identifying, by the interface based on the determined message type, the first protocol parser from the set of protocol parsers for performing translation of the first request message.

### Claim 12 (depends on 10)

The terminal device of claim 10, wherein the at least one processor is further configured to perform operations, comprising:
determining, by the interface, a message intent associated with the first request message; and
mapping the message intent to information, an action, or a combination thereof associated with the message intent.

### Claim 13 (depends on 12)

The terminal device of claim 12, wherein the mapping is performed by the interface based on an intent map stored within a memory of the terminal device, wherein the intent map comprises request type mappings from each possible request message type of the point of sale device to information requested from, actions to be performed by, or a combination thereof of the terminal device.

### Claim 14 (depends on 13)

The terminal device of claim 13, wherein the mapping is performed by the interface based on the intent map comprising a unique set of request type mappings from request message types to functions supported by a version of the payment application, one or more capabilities of the terminal device, or a combination thereof.

### Claim 15 (depends on 10)

The terminal device of claim 10, wherein the first user data comprises one or more of a user phone number, a user email address, and a card number.

### Claim 16 (depends on 10)

The terminal device of claim 10, wherein the protocol parser comprises a plurality of protocol parsers and translating, by the protocol parser of the interface, the first request message from the first format supported by the point of sale device to the second format supported by the application of the terminal device comprises:
extracting, by the interface, a request type from the first request message;
identifying, by the interface, the protocol parser from the plurality of protocol parsers based on the request type;
extracting, by the protocol parser, a form type corresponding to the first request message; and
utilizing an intent map to determine, based on the form type, a response needed to satisfy the first request message from the point of sale device.

### Claim 17 (depends on 16)

The terminal device of claim 16, wherein the intent map is generated based on a plurality of protocols for merchant and terminal interactions.

### Claim 18

A non-transitory machine readable storage medium having instruction stored thereon, which when executed by a one or more processors of a terminal device, causes the terminal device to perform operations comprising:
intercepting, by an interface, a first request message from a point of sale device, the first request message comprising a request for first user data;
translating, by a protocol parser of the interface, the first request message from a first format supported by the point of sale device to a second format supported by an application of the terminal device;
sending, by the interface, a translated version of the first request message in the second format to the application;
receiving, by the application executed by the processing system of the terminal device, a second request message from a service gateway. the second request message comprising a request for second user data, the second user data supported by a service of the application and not requested by the point of sale device;
processing, by the application executed by the processing system of the terminal device, the translated version of the first request message in the second format and the second request message to determine a user interface flow for the application out-of-band with the point of sale device;
causing, by the application executed by the processing system of the terminal device, a user interface to render the request for the first user data on a display of the terminal device in the user interface flow;
storing, by the application in a synchronization data store in a memory of the terminal device, the first user data in response to a determination that the first user data has been captured at an input of the terminal device;
polling, by the interface, the synchronization data store for the first user data;
communicating, by the interface from the synchronization data store. the first user data to the point of sale device in a message having a format supported by the point of sale device;
causing, by the application executed by the processing system of the terminal device, the user interface to render the request for the second user data on the display of the terminal device in the user interface flow; and
communicating, by the application executed by the processing system of the terminal device, the second user data to the service gateway in response to a determination that the second user data has been captured at the input of the terminal device.

### Claim 19 (depends on 18)

The non-transitory machine readable storage medium of claim 18, wherein the protocol parser comprises a plurality of protocol parsers and translating, by the protocol parser of the interface, the first request message from the first format supported by the point of sale device to the second format supported by the application of the terminal device comprises:
extracting, by the interface, a request type from the first request message;
identifying, by the interface, the protocol parser from the plurality of protocol parsers based on the request type;
extracting, by the protocol parser, a form type corresponding to the first request message; and
utilizing an intent map to determine, based on the form type, a response needed to satisfy the first request message from the point of sale device.

### Claim 20 (depends on 19)

The non-transitory machine readable storage medium of claim 19, wherein the intent map is generated based on a plurality of protocols for merchant and terminal interactions.