Systems and methods for removing point of sale processing from pci scope
AssigneeAurus Inc.
InventorRahul Mutha
Life of this patent
Estimating the term…
Abstract
The methods and systems described herein provide for processing payments via a mobile device at a retail location while relying solely on non-PCI Scope information at the retail location. A payment processing transaction may be initiated at a point of sale at a retail location, and a unique identifier provided by a mobile device may be used as payment information to facilitate the processing of a payment transaction. Authorizations of payment processing transactions are made by a remotely located server based, at least in part, on the unique identifier provided by the mobile device.
Claims15
A method for processing a payment transaction at retail locations, the method comprising:
- initiating, by a computing device at a retail location, a payment transaction;
- receiving, by a computing device at a retail location, non-PCI scope information in the form of a unique identifier via a mobile device;
- determining, by a remotely located payment processing server, that the payment transaction is authorized based at least in part on said non-PCI scope information;
- receiving, by the computing device at the point of sale, an authorization for the payment transaction from the remotely located payment processing server;
- wherein the payment transaction is processed without relying on PCI-scope information at the retail location.
A computing device for processing payments at retail locations, the computing device comprising:
- at least one processor;
- and
- a memory communicatively coupled to the at least one processor and storing computer-executable instructions, the computer-executable instructions, when executed by the at least one processor, cause the secured electronic device to:
- initiate a payment transaction;
- receive non-PCI scope information in the form of a unique identifier from a mobile device;
- receive an authorization for the payment transaction from a remotely located payment processing server, wherein said authorization was determined by said remotely located payment processing server based, at least in part, on said non-PCI scope information;
- and
- wherein the payment transaction is processed without relying on PCI-scope information at the retail location.
A non-transitory computer-readable storage medium with computer readable instructions stored thereon, the computer readable instructions, when executed by a computing device, cause the computing device to perform a method for processing a payment transaction, the method comprising:
- initiating, by a computing device at a retail location, a payment transaction;
- receiving, by a computing device at a retail location, non-PCI scope information in the form of a unique identifier via a mobile device;
- determining, by a remotely located payment processing server, that the payment transaction is authorized based at least in part on said non-PCI scope information;
- receiving, by the computing device at the point of sale, an authorization for the payment transaction from the remotely located payment processing server;
- wherein the payment transaction is processed without relying on PCI-scope information at the retail location.
Dependencies are inferred from the claim text.