Plug-in based chip card payments

摘要

A chip card payment processor interface component exposes a plurality of different interfaces for a plurality of different chip card payment processors. A chip card peripheral device interface component exposes a plurality of different chip card peripheral device interfaces for a plurality of different chip card peripheral devices. A payment services component can thus interact with the plurality of different chip card peripheral devices in conducting a transaction, and can also interact with a plurality of different chip card payment processors to authenticate and validate the transaction.

主权项

1. A payment processing system, comprising:
a plurality of chip card readers, each chip card reader corresponding to a respective point-of-sale (POS) location; a payment platform that is distinct from each of the respective POS locations corresponding to the plurality of chip card readers, and exposes a chip card payment processor interface through which the payment platform communicates with a given chip card payment processor, and exposes a device interface through which the payment platform communicates with each of the plurality of chip card readers; a configuration component, coupled to the payment platform, generating user interface displays with user input mechanisms that receive configuration inputs for configuring the plurality of chip card readers, wherein the configuration inputs identify a particular one of the chip card readers, specify a given device interface to be used at the particular chip card reader, and specify a given chip card payment processor interface to be used for processing electronic funds transfer payments taken at the particular chip card reader; and a computer processor, that is a functional part of the payment processing system, activated by the payment platform and the configuration component to facilitate communication with each chip card reader and with the given chip card payment processor, and to facilitate configuration of the payment platform.