Point of sale system
A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.
1. A point-of-sale system used in performing a point-of-sale transaction between a merchant and a consumer, the system comprising:
a merchant terminal including a first display that is oriented in a merchant-facing direction, the merchant terminal further including:
non-transitory computer readable instructions that, when interpreted by a merchant terminal processor, cause the merchant terminal processor to display a series of screens in a merchant facing graphical user interface for guiding a merchant through a point of sale transaction,
a first merchant terminal communication interface, and
a second merchant terminal communication interface;
a consumer terminal including a second display that is oriented in a consumer-facing direction, the consumer terminal further including electronics in a physically secure area and electronics in a non-secure area, the electronics in the non-secure area comprising:
non-transitory computer readable instructions that, when interpreted by a non-secure consumer terminal processor, cause the non-secure consumer terminal processor to display a series of screens in the second display for guiding a consumer through a point of sale transaction, and
a consumer terminal communication interface; and
the electronics in the physically secure area comprising:
an input controller within the secure area and coupled to the second display to receive consumer inputs received in the second display, the input controller configured to determine if the received consumer inputs require processing by a secure processor, and wherein the input controller comprises a touch controller to receive the consumer inputs and a multiplexer configured to send a first set of consumer inputs requiring further processing by the secure processor to the secure processor and to send the second set of consumer inputs that do not require further processing by the secure processor to the non-secure consumer terminal processor, and
the secure processor within the secure area configured (a) to receive the first set of consumer inputs from the input controller, (b) to encrypt the first set of consumer inputs, and (c) to send the encrypted inputs to the non-secure consumer terminal processor for transmission of the encrypted inputs using the consumer terminal communication interface,
the second merchant terminal communication interface linked to the consumer terminal communication interface by one of a wired or wireless link to receive the encrypted inputs from the consumer terminal communication interface, and the first merchant terminal communication interface configured to transmit the encrypted inputs to a financial transaction server.
2. The point-of-sale system of claim 1 wherein the non-secure consumer terminal processor is configured to send a stripe-card-specific GUI to the consumer terminal when a magnetic stripe-type card is used in payment during the point-of-sale transaction.
3. The point-of-sale system of claim 1 wherein the non-secure consumer terminal processor is configured to send a chip-type-card-specific GUI to the consumer terminal when a chip-type card is used in payment during the point-of-sale transaction.
4. The point-of-sale system of claim 1 further comprising a hybrid card reader configured to receive a payment card used during the point-of-sale transaction, the payment card being a magnetic stripe-type card or an IC chip-type card, the hybrid card reader being coupled to the consumer terminal to perform a payment transaction during the point-of-sale transaction between the merchant and the consumer.
5. The point-of-sale system of claim 1 wherein a confirmation of payment is presented to the merchant terminal merchant facing graphical user interface upon receipt of confirmation of available funds from the financial transaction server.
6. The point-of-sale system of claim 1 wherein the physically secure area further comprises an anti-tamper battery.
7. The point-of-sale system of claim 1 wherein the physically secure area further comprises a debug module.
8. The point-of-sale system of claim 1 wherein the first display comprises a touch screen display.
9. The point-of-sale system of claim 1 wherein the input controller is configured to send consumer inputs received in a secure portion of the second display to the secure processor.
10. The point-of-sale system of claim 1 wherein the physically secure area further comprises a magnetic stripe reading interface, an EMV contact interface and an EMV contactless interface.
11. The point-of-sale system of claim 1 wherein the second display includes a secure graphical user interface portion and a non-secure graphical user interface portion.
12. The point-of-sale system of claim 11 wherein each of the first set of consumer inputs is received by the secure graphical user interface portion and each of the second set of consumer inputs is received by the non-secure graphical user interface portion.
13. The point-of-sale system of claim 1 wherein the physically secure area comprises a secure enclave.