Granted Patent B2

US 12,400,204 · App. 18/544,825 · Granted Aug 26, 2025

Inventor: Coy Christensen (Scottsdale, AZ)

Assignee: Worldpay, LLC

G06Q20/202G06Q20/40H04L67/10

Abstract

Claims (63)

1. A method of cloud-based management of payment devices, the method comprising:

receiving a connection to a terminal management engine (TME) from a point of interaction device (POI) through a preconfigured uniform resource locator (URL) stored in the POI;

transmitting preconfigured information including a merchant ID associated with the POI and a merchant-specific lane identifier (lane ID) to the TME based on the connection through the preconfigured URL;

determining the preconfigured information including the merchant ID associated with the POI and the merchant-specific lane identifier (lane ID) associated with the POI was previously set on the TME;

receiving a transaction request associated with the merchant-specific lane ID from a transaction management controller (TMC) through a computer network;

confirming access to the POI associated with the merchant-specific lane ID;

determining whether the transaction request includes custom UI elements;

upon determining that the transaction request includes custom UI elements ancillary to the transaction request, transmitting the custom UI elements to the POI;

receiving consumer information from the POI;

transmitting the consumer information to the TMC;

receiving a transaction message from the TMC; and

transmitting the transaction message to the POI.

2. The method of claim 1 , further comprising verifying that the POI is a certified device.

3. The method of claim 1 , further comprising determining an online status and an operational condition of the POI.

4. The method of claim 3 , wherein the determining of the online status and the operational condition of the POI is repeated until a transaction request is received.

5. The method of claim 3 , further comprising notifying the TMC of the online status and the operational condition of the POI through the computer network.

6. The method of claim 1 , wherein determining the preconfigured information including the merchant ID associated with the POI and the merchant-specific lane identifier (lane ID) associated with the POI was previously set on the TME:

upon determining that preconfigured information of the merchant ID associated with the POI and the merchant-specific lane ID associated with the POI is set on the TME, transmitting, to the POI, the merchant ID for the POI and the merchant-specific lane ID for the POI based on the preconfigured information; and

upon determining that the preconfigured information of the merchant ID associated with the POI and the merchant-specific lane ID associated with the POI is not set on the TME, receiving, from the POI, the merchant ID for the POI and the lane ID for the POI through a computer network.

7. A computer system for cloud-based management of payment devices, the system comprising:

a memory having processor-readable instructions stored therein; and

a processor configured to access the memory and execute the processor-readable instructions, which when executed by the processor configures the processor to perform a plurality of functions, including:

receiving a connection to a terminal management engine (TME) from a point of interaction device (POI) through a preconfigured uniform resource locator (URL) stored in the POI;

transmitting preconfigured information including a merchant ID associated with the POI and a merchant-specific lane identifier (lane ID) to the TME based on the connection through the preconfigured URL;

determining the preconfigured information including the merchant ID associated with the POI and the merchant-specific lane identifier (lane ID) associated with the POI was previously set on the TME;

receiving a transaction request associated with the merchant-specific lane ID from a transaction management controller (TMC) through a computer network;

confirming access to the POI associated with the merchant-specific lane ID;

determining whether the transaction request includes custom UI elements;

upon determining that the transaction request includes custom UI elements ancillary to the transaction request, transmitting the custom UI elements to the POI;

receiving consumer information from the POI;

transmitting the consumer information to the TMC;

receiving a transaction message from the TMC; and

transmitting the transaction message to the POI.

8. The system of claim 7 , wherein the plurality of functions performed by the processor when executing the processor-readable instructions further includes functions to:

verify that the POI is a certified device.

9. The system of claim 7 , wherein the plurality of functions performed by the processor when executing the processor-readable instructions further includes functions to:

determine an online status and an operational condition of the POI.

10. The system of claim 9 , wherein the determining of the online status and the operational condition of the POI is repeated until a transaction request is received.

11. The system of claim 7 , wherein determining the preconfigured information including the merchant ID associated with the POI and the merchant-specific lane identifier (lane ID) associated with the POI was previously set on the TME:

upon determining that preconfigured information of the merchant ID associated with the POI and the merchant-specific lane ID associated with the POI is set on the TME, transmitting, to the POI, the merchant ID for the POI and the merchant-specific lane ID for the POI based on the preconfigured information; and

upon determining that the preconfigured information of the merchant ID associated with the POI and the merchant-specific lane ID associated with the POI is not set on the TME, receiving, from the POI, the merchant ID for the POI and the lane ID for the POI through a computer network.

12. A non-transitory machine-readable medium storing instructions that, when executed by a computing system, causes the computing system to perform a method for cloud-based management of payment devices, the method including:

receiving a connection to a terminal management engine (TME) from a point of interaction device (POI) through a preconfigured uniform resource locator (URL) stored in the POI;

transmitting preconfigured information including a merchant ID associated with the POI and a merchant-specific lane identifier (lane ID) to the TME based on the connection through the preconfigured URL;

determining the preconfigured information including the merchant ID associated with the POI and the merchant-specific lane identifier (lane ID) associated with the POI was previously set on the TME;

receiving a transaction request associated with the merchant-specific lane ID from a transaction management controller (TMC) through a computer network;

confirming access to the POI associated with the merchant-specific lane ID;

determining whether the transaction request includes custom UI elements;

upon determining that the transaction request includes custom UI elements ancillary to the transaction request, transmitting the custom UI elements to the POI;

receiving consumer information from the POI;

transmitting the consumer information to the TMC;

receiving a transaction message from the TMC; and

transmitting the transaction message to the POI.

13. The non-transitory machine-readable medium of claim 12 , the method further comprising verifying that the POI is a certified device.

14. The non-transitory machine-readable medium of claim 12 , the method further comprising determining an online status and an operational condition of the POI.

15. The non-transitory machine-readable medium of claim 14 , wherein the determining of the online status and the operational condition of the POI is repeated until a transaction request is received.

16. The non-transitory machine-readable medium of claim 14 , the method further comprising notifying the TMC of the online status and the operational condition of the POI through the computer network.

17. The non-transitory machine-readable medium of claim 12 , wherein determining the preconfigured information including the merchant ID associated with the POI and the merchant-specific lane identifier (lane ID) associated with the POI was previously set on the TME:

upon determining that preconfigured information of the merchant ID associated with the POI and the merchant-specific lane ID associated with the POI is set on the TME, transmitting, to the POI, the merchant ID for the POI and the merchant-specific lane ID for the POI based on the preconfigured information; and

upon determining that the preconfigured information of the merchant ID associated with the POI and the merchant-specific lane ID associated with the POI is not set on the TME, receiving, from the POI, the merchant ID for the POI and the lane ID for the POI through a computer network.

18. The non-transitory machine-readable medium of claim 12 , the method further comprising receiving a status of the POI through the computer network.

19. The non-transitory machine-readable medium of claim 12 , wherein the TME connects to the POI through a cloud-based interface.

20. The non-transitory machine-readable medium of claim 12 , wherein the transaction request includes the merchant-specific lane ID and instructions to process the transaction request with the POI associated with the merchant-specific lane ID.

Assignments (2)

Continuity (3)

References Cited (11)