FLEXIBLE ELECTRONIC PAYMENT TRANSACTION PROCESS

摘要

A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.

主权项

1. A payment transaction processing method, comprising:
receiving, by a POS (point of sale) terminal, an instruction from a payment device, the instruction for instructing the POS terminal to present a prompt to a user of the payment device; prompting the user, by the POS terminal, to enter data related to a motor vehicle associated with the user; receiving, by the POS terminal, data input into the POS terminal in response to the prompting by the POS terminal, said data input including the data related to the motor vehicle; performing an EMV payment transaction between the POS terminal and the payment device; and transmitting, by the POS terminal, an authorization request to be routed to an issuer of the payment device; wherein the authorization request includes at least some of the data input into the POS terminal by the user of the payment device.