System and method for third party payment at point of sale terminals
A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.
1. A point of sale terminal of a merchant, comprising:
a processor;
a network interface configured for data communication with a payment processing network;
a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising:
receiving, from a third party payment provider via the network interface, identifying indicia associated with a customer that has checked in with the third party payment provider;
interacting, via a wireless communication modality, with a mobile computing device associated with the customer to facilitate a check-out request;
determining whether one or more predetermined criteria are detected by the point of sale terminal to generate a payment request for payment by the third party payment provider;
generating, by the point of sale terminal (POS) of the merchant and subsequent to detection of the one or more predetermined criteria, the payment request; and
sending, subsequent to the generating and via the mobile computing device, the payment request generated by the POS to a transaction processing entity associated with the payment processing network.
2. The point of sale terminal of claim 1 , wherein the identifying indicia comprises authentication information including at least one of: a hash of a personal identification number, a token, and an image of the customer.
3. The point of sale terminal of claim 1 , wherein the wireless communication modality corresponds to one of: a scanned quick response code from a display of the mobile computing device or a near field communication code received from the mobile computing device.
4. The point of sale terminal of claim 1 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the identifying indicia is received from the third party payment provider.
5. The point of sale terminal of claim 1 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the mobile computing device is within a geographic threshold boundary associated with a storefront of the merchant.
6. The point of sale terminal of claim 1 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the check-out request is received during a predefined time window.
7. The point of sale terminal of claim 1 , further comprising receiving, from the transaction processing entity and via the network interface, a confirmation payment by third party payment provider.
8. A method, comprising:
receiving, at a point of sale terminal of a merchant and from a third party payment provider via a network interface configured for data communication with a payment processing network, identifying indicia associated with a customer that has checked in with the third party payment provider;
interacting, by the point of sale terminal via a wireless communication modality, with a mobile computing device associated with a customer to facilitate a check-out request;
determining, by the point of sale terminal, whether one or more predetermined criteria are detected by the point of sale terminal to generate a payment request for payment by the third party payment provider;
generating, by the point of sale terminal (POS) and subsequent to detection of the one or more predetermined criteria, the payment request; and
sending, subsequent to the generating and via the mobile computing device, the payment request generated by the POS to a transaction processing entity associated with the payment processing network.
9. The method of claim 8 , wherein the identifying indicia comprises authentication information including at least one of: a hash of a personal identification number, a token, and an image of the customer.
10. The method of claim 8 , wherein the wireless communication modality corresponds to one of: a scanned quick response code from a display of the mobile computing device or a near field communication code received from the mobile computing device.
11. The method of claim 8 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the identifying indicia is received from the third party payment provider.
12. The method of claim 8 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the mobile computing device is within a geographic threshold boundary associated with a storefront of the merchant.
13. The method of claim 8 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the check-out request is received during a predefined time window.
14. The method of claim 8 , further comprising receiving, from the transaction processing entity and via the network interface, a confirmation payment by third party payment provider.
15. A non-transitory machine-readable medium storing instructions that, when executed by a point of sale terminal of a merchant, causes the point of sale terminal to perform a method comprising:
receiving, at the point of sale terminal and from a third party payment provider via a network interface configured for data communication with a payment processing network, identifying indicia associated with a customer that has checked in with the third party payment provider;
interacting, via a wireless communication modality, with a mobile computing device associated with a customer to facilitate a check-out request;
determining whether one or more predetermined criteria are detected by the point of sale terminal to generate a payment request for payment by the third party payment provider;
generating, by the point of sale terminal (POS) and subsequent to detection of the one or more predetermined criteria, the payment request; and
sending, subsequent to the generating and via the mobile computing device, the payment request generated by the POS to a transaction processing entity associated with the payment processing network.
16. The non-transitory machine-readable medium of claim 15 , wherein the identifying indicia comprises authentication information including at least one of: a hash of a personal identification number, a token, and an image of the customer.
17. The non-transitory machine-readable medium of claim 15 , wherein the wireless communication modality corresponds to one of: a scanned quick response code from a display of the mobile computing device or a near field communication code received from the mobile computing device.
18. The non-transitory machine-readable medium of claim 15 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the identifying indicia is received from the third party payment provider.
19. The non-transitory machine-readable medium of claim 15 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the mobile computing device is within a geographic threshold boundary associated with a storefront of the merchant.
20. The non-transitory machine-readable medium of claim 15 , wherein the determining whether the one or more predetermined criteria are detected comprises determining whether the check-out request is received during a predefined time window.