Authentication bypass software for merchant terminals
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United States of America Patent
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Oct 12, 2021
Grant Date -
Nov 15, 2018
app pub date -
May 14, 2018
filing date -
May 12, 2017
priority date (Note) -
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status (Latency Note)
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Abstract
A system for returning change electronically to a consumer as a result of a cash transaction is provided. The system uses a merchant terminal by bypassing default funds availability authorization performed in consumer to merchant transfers by the terminal. The terminal therefore enables transfer funds from merchant to consumer in an amount which is associated with change due to the consumer upon receipt of the appropriate request and consumer account identifier. In particular aspects, the change is returned in a cryptocurrency.
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