# US 2019/0318334 A1 · Cloud-based point-of-sale system

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- Number: US 2019/0318334 A1
- Document ID: US20190318334A1
- Status: Published application
- Kind: A1
- Application number: 16/381,606
- Filed: 2019-04-11
- Published: 2019-10-17
- Earliest claimed: 2018-04-11
- Assignees: 4361423 Canada Inc.
- Applicants: 4361423 Canada Inc.
- Inventors: Daniel McCann
- Web page: https://patentgrep.com/patent/US20190318334A1

## CPC

- 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 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/24: Credit schemes, i.e. "pay after"
- G06Q 20/382: {insuring higher security of transaction}
- H04L 67/10: in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46)
- 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
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

Cloud-based point-of-sale systems and methods for effecting commercial transactions are provided. According to one system and method, a point-of-sale terminal is provided for capturing credit card information and transmitting the captured information to a central cloud point-of-sale server for processing a commercial transaction. The central cloud point-of-sale server processes the credit card information and returns a transaction notification to a point-of-sale system.

## Claims

### Claim 1

A cloud-based point-of-sale system for effecting a commercial transaction, said system comprising:
a central cloud point-of-sale server for processing the commercial transaction;
a point-of-sale system operatively connected to the central cloud point-of-sale server, said point-of-sale system is located remotely from the central cloud point-of-sale server;
a payment platform operatively connected to the central cloud point-of-sale server;
a point-of-sale terminal for capturing information from a payment device, said point-of-sale terminal is operatively connected to the central cloud point-of-sale server;
wherein the point-of-sale terminal transmits the captured payment device information to said central cloud point-of-sale server, the central cloud point-of-sale server processes the commercial transaction and transmits a transaction notification to the point-of-sale system and the point-of-sale terminal.

### Claim 2 (depends on 1)

A system according to claim 1, wherein said payment device is a device selected from the group consisting of a magnetic stripe card, chip card, EMV card, contactless card, NFC device, mobile payment device or any combination thereof.

### Claim 3 (depends on 1)

A system according to claim 1, wherein said point-of-sale terminal includes a device reader for capturing the payment device information, a processor for encrypting the captured payment device information and a controller for transmitting the encrypted payment device information.

### Claim 4 (depends on 1)

A system according to claim 1, wherein said point-of-sale terminal includes a terminal identifier associated with each POS terminal.

### Claim 5 (depends on 1)

A system according to claim 1, wherein said point-of-sale terminal does not provide the payment device information to the point-of-sale system for payment processing.

### Claim 6

A method for effecting a commercial transaction, said method comprising:
a point-of-sale terminal captures information from a payment device;
said point-of-sale terminal transmits the captured payment device information to a central cloud point-of-sale server;
a payment platform operatively connected to the central cloud point-of-sale server processes the commercial transaction and transmits a transaction notification to the point-of-sale terminal;
wherein the point-of-sale terminal transmits the captured payment device information to said central cloud point-of-sale server, the central cloud point-of-sale server processes the commercial transaction and transmits a transaction notification to a point-of-sale system and the point-of-sale terminal.

### Claim 7 (depends on 6)

A method according to claim 6, wherein said payment device is a device selected from the group consisting of a magnetic stripe card, chip card, EMV card, contactless card, NFC device, mobile payment device or any combination thereof.

### Claim 8 (depends on 6)

A method according to claim 6, wherein said point-of-sale terminal includes a device reader for capturing the payment device information, a processor for encrypting the captured payment device information and a controller for transmitting the encrypted payment device information.

### Claim 9 (depends on 6)

A method according to claim 6, wherein said point-of-sale terminal includes a terminal identifier is associated with each point-of-sale terminal.

### Claim 10 (depends on 6)

A method according to claim 6, wherein said point-of-sale terminal does not provide the payment device information to the point-of-sale system for payment processing.