# US 12,223,490 B2 · System and method for payment terminal optimization > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,223,490 B2 - Document ID: US12223490B2 - Status: Granted - Kind: B2 - Application number: 18/077,544 - Filed: 2022-12-08 - Published: 2023-04-06 - Granted: 2025-02-11 - Earliest claimed: 2022-12-08 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Kasey Chiu; Kuen Mee Summers; Whitney Wilson Gonzalez - Web page: https://patentgrep.com/patent/US12223490B2 ## CPC - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/353: {Payments by cards read by M-devices} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - 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 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. ## Claims ### Claim 1 A method implemented by a communication device comprising an application display including a guide scan indicator, an antenna configuration and a processor, the method, comprising: displaying, by the processor, a payment enabled card image as the guide scan indicator, at payment card locations on the application display of the communication device; requesting, by the processor, a user of the communication device place a payment enabled card at the payment card locations; scanning, by the processor, the payment enabled card using the antenna configuration of the communication device; determining, by the processor, based upon the scanning of the payment enabled card using the antenna configuration, whether the payment enabled card was detected at the payment card locations; when the payment enabled card has been detected at a plurality of payment card locations of the payment card locations, designating, by the processor, each payment card location of the plurality of payment card locations as optimal payment locations on the application display; combining, by the processor, when the plurality of payment card locations are designated as optimal payment locations, the plurality of payment card locations to form a master optimal payment location; and responsive to the payment enabled card being placed at the master optimal payment location, utilizing, by the processor, the master optimal payment location to process a purchase made by the user using the payment enabled card. ### Claim 2 (depends on 1) The method of claim 1, further comprising: partitioning, by the processor, the application display into a plurality of partitions. ### Claim 3 (depends on 2) The method of claim 2, further comprising: scanning, by the processor, the payment enabled card at a selected partition of the plurality of partitions that corresponds to a payment card location of the payment card locations where the user is holding the payment enabled card. ### Claim 4 (depends on 3) The method of claim 3, wherein: the plurality of partitions includes a first partition, a second partition, and a third partition. ### Claim 5 (depends on 4) The method of claim 4, further comprising: receiving, by the processor, a first response signal from the selected partition. ### Claim 6 (depends on 5) The method of claim 5, wherein: responsive to receiving the first response signal from the selected partition, the selected partition is designated as an optimal payment location of the optimal payment locations. ### Claim 7 (depends on 6) The method of claim 6, further comprising: progressing, by the processor, the user to another payment card location when scanning the payment enabled card does not register properly at the payment card location. ### Claim 8 (depends on 7) The method of claim 7, further comprising: providing, by the processor, the user with an improper registration button when scanning the payment enabled card does not register properly at the payment card location. ### Claim 9 A communication device, comprising: an application display including a guide scan indicator; an antenna configuration; 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: display a payment enabled card image as the guide scan indicator at payment card locations on the application display of the communication device; request a user of the communication device place a payment enabled card at each payment card location of the payment card locations; scan the payment enabled card using the antenna configuration at each payment card location of the payment card locations; determine, based upon the scanning of the payment enabled card using the antenna configuration, whether the payment enabled card was detected at the payment card locations; when the payment enabled card was detected at a plurality of payment card locations of the payment card locations, designate each payment card location of the plurality of payment card locations as optimal payment locations on the application display combine, when the plurality of payment card locations are designated as optimal payment locations, the plurality of payment card locations to form a master optimal payment location; and responsive to the payment enabled card being placed at the master optimal payment location, utilize the master optimal payment location to process a purchase made by the user using the payment enabled card. ### Claim 10 (depends on 9) The communication device of claim 9, wherein: the non-transitory computer readable medium further comprises code, that when executed by the processor, causes the processor to: partition the application display into a plurality of partitions. ### Claim 11 (depends on 10) The communication device of claim 10, wherein: the non-transitory computer readable medium further comprises code, that when executed by the processor, causes the processor to: scan the payment enabled card at a selected partition of the plurality of partitions that corresponds to a payment card location where the user is holding the payment enabled card. ### Claim 12 (depends on 11) The communication device of claim 11, wherein: the plurality of partitions includes a first partition, a second partition, and a third partition. ### Claim 13 (depends on 12) The communication device of claim 12, wherein: the non-transitory computer readable medium further comprises code, that when executed by the processor, causes the processor to: receive a first response signal from the selected partition. ### Claim 14 (depends on 13) The communication device of claim 13, wherein: the non-transitory computer readable medium further comprises code, that when executed by the processor, causes the processor to: responsive to sensing the payment enabled card by receiving the first response signal from the selected partition, designate the selected partition as an optimal payment location. ### Claim 15 (depends on 14) The communication device of claim 14, wherein: the non-transitory computer readable medium further comprises code, that when executed by the processor, causes the processor to: progress the user to another payment card location when the scan of the payment enabled card does not register properly at the payment card location. ### Claim 16 (depends on 15) The communication device of claim 15, wherein: the non-transitory computer readable medium further comprises code, that when executed by the processor, causes the processor to: provide the user with an improper registration button on the application display when the scan of the payment enabled card does not register properly at the payment card location.