Granted Patent B2

US 12,254,487 · App. 18/139,201 · Granted Mar 18, 2025

Inventors: Jeff Waughtal (Austin, TX); David Avery (Austin, TX)

Assignee: FCS Processing, LLC

G06Q30/0238G06Q20/32G06Q30/0236

Abstract

Claims (24)

1. A method for implementing a plurality of point of sale (POS) devices having intermittent or unreliable network communications with a central network, for processing payment on a commercial transaction, comprising:

(i) providing a payment vehicle configured as an RFID band or as an NFC wireless communication object;

(ii) providing a first POS device of a plurality of POS devices, the first POS device configured to process payment on a commercial transaction through direct network communications with an access point to a central network, wherein, when experiencing network communication issues with the access point, further configured to process payment on the commercial transaction through a node-to-node network;

(iii) capturing transaction data associated with the payment vehicle, at the first POS device, for processing payment on the commercial transaction;

(iv) providing a second POS device of the plurality of POS devices, the second POS device in communication with at least one access point to the central network;

(v) experiencing, at the first POS device, network communication issues with the access point;

(vi) establishing, with the plurality of POS devices, the node-to-node network for processing payment on the commercial transaction, the node-to-node network configured to enable communications between the plurality of POS devices and the central network, and configured to obtain customer token ID information from a credit vault intermediary institution and to associate the customer token ID information with the payment vehicle;

(vii) transmitting the transaction data captured at the first POS device, through the node-to-node network, to the second POS device;

(viii) reconciling the transaction data, on the second POS device, with a distributed ledger operating on the node-to-node network;

(ix) associating information for making payment on the commercial transaction with the transaction data;

(x) establishing, at the second POS device, a connection with the at least one access point to the central network;

(xi) transmitting, from the second POS device to the central network, through the at least one access point, the information for making payment on the commercial transaction;

(xii) invoking, at the first POS device, an incentive credit based on the customer token ID information; and

(xiii) loading the transaction data into a data lake.

2. The method of claim 1 , further comprising synchronizing the plurality of POS devices with the transaction data.

3. The method of claim 1 , wherein invoking the incentive credit is based on the customer token ID information and network timestamp information.

4. The method of claim 1 , wherein invoking the incentive credit is based on globally unique identifier (GUID) information.

5. A plurality of point of sale (POS) devices having intermittent or unreliable network communications with a central network, for processing payment on a commercial transaction, comprising:

a payment vehicle configured as an RFID band or as an NFC wireless communication object, and associated with information for making payment on a commercial transaction;

a plurality of POS devices establishing a node-to-node network, for processing payment on the commercial transaction and configured to enable communications between the plurality of POS devices and a central network, and configured to obtain customer token ID information from a credit vault intermediary institution and to associate the customer token ID information with the payment vehicle; and

a first POS device and a second POS device of the plurality of POS devices, the first POS device configured to process payment on the commercial transaction through direct network communications with an access point to a central network, and, when experiencing network communication issues with the access point, further configured to process payment on the commercial transaction through a node-to-node network, the first POS device further configured to capture transaction data associated with the payment vehicle and further configured to transmit the transaction data, through the node-to-node network, to the second POS device, the first POS device further configured to invoke an incentive credit based on the customer token ID information, the first POS device experiencing network communication issues with the access point, the second POS device configured to communicate with at least one access point to the central network, the second POS device further configured to reconcile the transaction data, on the second POS device, with a distributed ledger operating on the node-to-node network, the second POS device further configured to transmit, from the second POS device to the central network, through the at least one access point, the information for making payment on the commercial transaction, and the second POS device further configured to load the transaction data into a data lake.

6. The plurality of POS devices of claim 1 , wherein the second POS device is further configured to synchronize the plurality of POS devices with the transaction data.

7. The plurality of POS devices of claim 5 , wherein the first POS device is configured to invoke the incentive credit based on the customer token ID information and network timestamp information.

8. The plurality of POS devices of claim 5 , wherein the first POS device is configured to invoke the incentive credit based on GUID information.

Assignments (1)

Continuity (1)

References Cited (52)