Payment terminal

Abstract: The invention concerns a system (1) for receiving, storing and processing electronic vouchers for a consumer equipped with a mobile telephone or a personal digital assistant (2). The mobile tool comprises means (12, 5, 7) for exchanging data with a payment terminal (3) during a purchasing operation, based on an offer of electronic vouchers corresponding to discounts. At least an electronic voucher is received and stored in a storage unit (6) of the mobile tool, the codes (15) of the purchased articles (16) are read at the payment terminal and the list of vouchers stored in the mobile tool is transmitted to the payment terminal. The list of vouchers is compared with the list of purchased articles and if one or several articles are identified for which vouchers exist, the amount of discount(s) corresponding to said vouchers is automatically deducted from the total amount of purchased articles.

Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor. The processor is programed to process multiple payment types including processing a checking account transaction when the check is placed in a document slot.

Abstract: A system for implementing at least one cryptocurrency transaction at a point-of-sale by using a mobile terminal is provided. The system is operable to provide authentication for implementing the one or more cryptocurrency transactions, wherein the system is operable to send at least one authentication request for the at least one cryptocurrency transaction from a payment terminal to a payment service hosted via one or more virtual computing machines, wherein the payment service is operable to provide a request for a PIN code at the mobile terminal; to send the PIN code from the mobile terminal via a secure channel to open a vault in the one or more virtual machines, wherein the vault contains one or more private keys (PKI) which are useable for authenticating the at least one cryptocurrency transaction; and to confirm execution of the at least one cryptocurrency transaction to at least the payment terminal.

Abstract: A portable electronic device (100), such as a mobile telephone, portable computer, personal digital assistant, or other similar device, is equipped with a virtual card application (101) configured to manage a plurality of virtual cards (106,107,108,109). Such virtual cards (106,107,108,109) are used in financial and other transactions by way of a wireless near-field transceiver (114) and a near-field communication terminal, such as a payment terminal (115). To provide a user with a seamless, less complex virtual card selection process, an arranger module (102) is configured to determine a priority associated with each of the virtual cards (106,107,108,109). The priority may be determined from location, schedule, calendar, user input, or other means. Once the priority is determined, the virtual card with the foremost priority is advanced as a top of the wallet card (111). The top of the wallet card (111), in one embodiment, is the default card for use in the transaction.