{
  "patent_number": "US 12737570",
  "country": "US",
  "title": "How a Store's Payment System Keeps Your Card Info Safe",
  "original_title": "Point of sale system transaction processing",
  "summary": "This patent describes a store payment system where your touchscreen inputs, like your PIN, are encrypted by a special processor before being sent for payment, keeping your information secure.",
  "what_it_does": "The patent describes a point-of-sale (POS) system with a merchant terminal and a consumer terminal. The consumer terminal has a touchscreen display where you enter information, such as a PIN or signature. A 'touch controller' receives these user inputs from the touchscreen. This controller then selectively sends the inputs to a dedicated 'second processor'. The second processor's specific job is to encrypt these sensitive user inputs immediately. After encryption, the second processor sends the scrambled data to a 'first processor', which then transmits the encrypted inputs to an external payment system for processing.",
  "what_it_does_not_cover": [
    "Does not cover payment systems that rely solely on physical keypads for PIN entry, as it specifies a 'touch screen display' for user inputs.",
    "Does not cover systems where a single processor handles both receiving user inputs and encrypting sensitive data.",
    "Does not cover general data encryption methods not specifically tied to point-of-sale transaction input from a consumer terminal.",
    "Does not cover systems where user inputs are encrypted only after being fully processed or transmitted by the main 'first processor'.",
    "Does not cover payment systems that do not separate functions into distinct merchant and consumer terminals."
  ],
  "filed": "2024-04-05",
  "granted": "2026-09-15",
  "expires": null,
  "status": "active",
  "holder": null,
  "holder_url": null,
  "inventors": [],
  "times_cited": 0,
  "tags": [
    "consumer_electronics",
    "software",
    "telecommunications",
    "finance",
    "ecommerce"
  ],
  "abstract": "A point-of-sale system used in transactions between a merchant and a consumer can have a merchant terminal and a consumer terminal. The merchant terminal can provide a merchant point-of-sale graphical user interface (GUI) to the merchant. The consumer terminal can display a plurality of screens on a touch screen display to a consumer during a point-of-sale transaction. A touch controller of the consumer terminal can receive user inputs entered in the touch screen display. The touch controller can selectively provide the received user inputs to one of the first processor or a second processor. The second processor can encrypt the user inputs received from the touch controller and send the encrypted user inputs to the first processor for transmission to a payment system.",
  "url": "https://patentbrief.org/patent/us/12737570/point-of-sale-system-transaction-processing",
  "markdown_url": "https://patentbrief.org/patent/us/12737570/point-of-sale-system-transaction-processing/md",
  "google_patents_url": "https://patents.google.com/patent/US12737570",
  "relatedPatents": [
    {
      "patentNumber": "12737748",
      "countryCode": "US",
      "title": "Smart Payment Card with Transaction Info Locked to Payment Method",
      "url": "https://patentbrief.org/patent/us/12737748/multi-function-electronic-payment-card-and-device-system"
    },
    {
      "patentNumber": "12737743",
      "countryCode": "US",
      "title": "How Your Car Can Become a Payment Card",
      "url": "https://patentbrief.org/patent/us/12737743/connected-car-as-a-payment-device-12737743"
    },
    {
      "patentNumber": "10198731",
      "countryCode": "US",
      "title": "How Square Uses Your Phone's Location to Verify Credit Card Payments",
      "url": "https://patentbrief.org/patent/us/10198731/shopify-e-commerce-platform"
    },
    {
      "patentNumber": "9699159",
      "countryCode": "US",
      "title": "How Wearable Devices Act as Secure Bridges for Transactions",
      "url": "https://patentbrief.org/patent/us/9699159/microsoft-teams"
    },
    {
      "patentNumber": "7865399",
      "countryCode": "US",
      "title": "How a Centralized Broker Handles Online Shopping Transactions",
      "url": "https://patentbrief.org/patent/us/7865399/distributed-electronic-commerce-system-with-centralized-point-of-purchase"
    }
  ]
}