Authors:
Salvador Cortes, Axel Garcia Fuentes, Antonio Urrutia
Abstract:
This disclosure proposes a method that enables a customer to validate the payment via QR for touchless purposes.
Background:
Due to the new Covid-19 Pandemic normality and ongoing restrictions, people are less likely to touch things. Due to Covid more people are using Self-Checkout in Retail Stores and paying via credit/debit cards. Typing your PIN into the Pin Pad is susceptible to observation by a malicious person.
Samsung Pay, ApplePay or similar payment methods address this problem in a good way, the drawback is that not every Smartphone enables this technology and/or it is exclusive for certain brands. We want to propose an alternative to this known solution.
Description:
Our proposal is to enable a QR reader to a Pin Pad to handle a touchless payment full or partial transaction. The QR reader may be an standalone QR reader [A], a QR reader integrated into Pin Pad , or re-use the 2D Hand Held scanner to read the QR.
The way of how transaction may be done we propose 3 examples:
1. Cashier or Self-checkout asks for payment:
Client inserts credit card on Pin Pad
Then asks for a QR PIN mode
Bank Sends a QR with the authorization to the Smartphone
Client passes the QR through the Pin Pad's QR Reader
Transaction is completed
2. Cashier or Self-checkout asks for payment
TGCS Application generate a QR for Payment
Client pass the QR through the Pin Pad's QR Reader
Transaction is completed
3. Cashier or Self-checkout asks for payment
Bank requests confirmation for the QR generation
Bank Sends a QR with the information required for the transaction to the Smartphone
Client pass the QR through the Pin Pad's QR Reader
Transaction is completed
In all of these 3examples the client didn't have to touch the Pin Pad to complete the transaction.
Note: the QR app generator can be a global application where the authorizers or banks are attached or any bank or authorizer system can handle their own application.
Enabling Technology:
- Pin Pad
- QR Creation/Reader
- Smart Device Application
TGCS Reference 2354
