Third-Party Payment Authentication at Point of Sale Terminals

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 31st, 2026

Detected March 31st, 2026

Summary

The USPTO granted Worldpay, LLC Patent US12591867B2 covering systems and methods for third-party payment authentication at point-of-sale terminals. The patent describes authentication methods including QR codes, NFC, biometric imaging, and PIN verification. The patent contains 17 claims and was filed December 12, 2023.

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What changed

The USPTO issued Patent US12591867B2 to Worldpay, LLC on March 31, 2026, covering a point-of-sale terminal system with a third-party payment provider display area. The patent describes methods for authenticating consumers using personal identification numbers, biometric images, QR codes from mobile devices, or near-field communications. The system enables new payment modalities without requiring modifications to POS terminal instructions. The patent is classified under CPC G06Q20/00 and related payment system categories.

This is a patent grant, not a regulatory requirement. It does not impose compliance obligations on third parties. Businesses implementing payment systems may wish to review the patent claims to determine if licensing is required or if alternative authentication approaches should be developed. No compliance deadline or penalty provisions apply to this intellectual property grant.

Source document (simplified)

← USPTO Patent Grants

Systems and methods for third party payment at point of sale terminals

Grant US12591867B2 Kind: B2 Mar 31, 2026

Assignee

Worldpay, LLC

Inventors

Nicholas G. Nayfack

Abstract

A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.