SYSTEMS AND METHODS FOR SECURE NORMATIVE INTERMEDIATION OF PAYMENTS PROCESSING PERIPHERALS

摘要

Systems and methods for secure virtualized intermediated configuration and control of payment processing peripheral devices, as may be embodied in a SNIPP system, are provided. Such systems and methods enable the request of purchaser payment information from payment processing peripheral device(s) on behalf of a POS system and the aggregation and association of that purchaser payment information with a corresponding purchase transaction received from the POS system. The purchase transaction and the payment transaction are aggregated and thereby associated; and the resulting aggregated payment transaction is submitted to an electronic payments processing facility that responds with a confirmation indicating ‘acceptance’ or ‘denial’ of the payment transaction. The confirmation is relayed to the POS system and possibly to the payment processing peripheral device(s) such that it may be displayed to the purchaser and/or an attendant.

主权项

1. In a payment management system, a method for secure virtualized intermediated configuration and control of payment processing peripheral devices, useful in conjunction with a point of sale system, the method comprising:
identifying an at least one point of sale (POS) system at a merchant location associated with a merchant; identifying an at least one payment processing peripheral device associated with the at least one POS system at the merchant location; receiving from the at least one POS system a purchase transaction associated with an at least one purchased goods and service; receiving from the at least one POS system an explicit request for intermediation on behalf of the POS system, wherein the explicit intermediation requested is for an at least one purchaser payment information from a payment processing peripheral device, wherein the at least one purchaser payment information corresponds to the purchase transaction; requesting from the payment processing peripheral device the at least one purchaser payment information on behalf of the POS system in response to the explicit intermediation request from the POS system; receiving from the payment processing peripheral device the at least one purchaser payment information; aggregating and thereby associating the purchase transaction with the corresponding at least one purchaser payment information; submitting the aggregated and associated purchase transaction and at least one purchaser payment information to an electronic payments processing facility; receiving a confirmation response from the electronic payments processing facility reflecting approval or declination of the aggregated payment transaction; relaying the confirmation response to the at least one payment processing peripheral device; and relaying the confirmation response to the at least one POS system thereby concluding the purchase transaction consistent with approval or declination of the payment transaction.