MERCHANT AUTHENICATION TO VEHICLE BASED PERSONAL POINT OF SALE (PPOS) DEVICE THAT PROVIDES FOR CARD PRESENT E-COMMERCE TRANSACTION
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United States of America Patent
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Issued Date -
Dec 20, 2018
app pub date -
Jun 19, 2017
filing date -
Jun 19, 2017
priority date (Note) -
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Abstract
Within EMV payment specification, use of an unattended terminal to accept a payment is allowed. Creating a device that has both EMV level 1 (L1) and level 2 (L2) payment components combined with a virtual merchant creates a “card present” transaction for an on-line or e-commerce merchant. This device can be called a personal Point of Sale (pPOS). This specification discloses “card present” payments from a customer's vehicle with a pPOS device in or on the vehicle. This allows for “card present” payments from a customer's vehicle for drive by or drive through payments. The specification further discloses systems and methods to authenticate the merchant or an unattended terminal of a merchant to pPOS in the customer's vehicle.
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