Wireless data communication interface

1. A system for providing a wireless data communication interface, the system comprising:

one or more computers configured to implement, by executing instructions on one or more processors, a platform-agnostic wireless data communication system, wherein the wireless data communication interface includes:

a point of sale server operating in an electronic commerce management provider, the point of sale server for:

receiving, over a wireless data communication channel, a tokenized first item of financial transaction information from a customer mobile device;

receiving a second item of financial transaction information from a point-of-sale interface operating in a merchant-facing client application connected to the customer mobile device through the wireless data communication channel;

rendering, in a common internal format, the tokenized first item of financial transaction information received from a first receiving module; and

rendering, in the common internal format, the second item of financial transaction information received from a second receiving module;

a payment processing module operating in the electronic commerce management provider, the payment processing module for:

rendering, in a second format, the tokenized first item of financial transaction information for payment processing by a first external financial party; and

rendering, in a third format, the second item of financial transaction information for payment processing by a second external financial party; and

a transaction execution module for:

transmitting, in the second format, the tokenized first item of financial transaction information for payment processing by the first external financial party; and

transmitting, in the third format, the second item of financial transaction information for payment processing by the second external financial party,

wherein the first and second receiving modules comprise a single stack application interface residing on the one or more computers.

2. The system of claim 1 for providing a wireless data communication interface, further comprising:

an authentication module for:

recognizing the customer mobile device located in an area defined within a geofence;

identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device; and

issuing a session token to the application on the customer mobile device.

3. The system of claim 1 for providing a wireless data communication interface, wherein:

the transmitting, in the second format, the tokenized first item of financial transaction information further includes transmitting, in the second format, the tokenized first item of financial transaction information without transmitting the financial transaction information using an account identifier associated with the tokenized first item of financial transaction information in a registry stored in a secured account data vault to the point-of-sale server.

4. The system of claim 1 for providing a wireless data communication interface, wherein:

the tokenized first item of financial transaction information is received from the customer mobile device over a Bluetooth low energy radio communication channel; and

the second item of financial transaction information is received from the point-of-sale interface connected to the customer mobile device through the wireless data communication channel over a broadband wireless network.

5. The system of claim 1 for providing a wireless data communication interface, wherein:

the first and second receiving modules include a single stack application program interface residing on one of the one or more servers.

6. The system of claim 1 for providing a wireless data communication interface, wherein:

the transaction execution module is further configured for receiving, on the one or more servers, a transaction authorization confirmation from the first external financial party, and

the point of sale server is further configured for transmitting, to a customer mobile device, an indication of the transaction authorization confirmation.

7. The system of claim 1 for providing a wireless data communication interface, wherein the payment processing module includes a payment processing gateway for communicating with servers of external financial processors using encrypted links over a network.

8. A method for providing a wireless data communication interface, the method comprising:

receiving, by a point of sale server operating in an electronic commerce management provider and over a wireless data communication channel, a tokenized first item of financial transaction information from a customer mobile device;

receiving, by the point of sale server, a second item of financial transaction information from a point-of-sale interface operating in a merchant-facing client application connected to the customer mobile device through the wireless data communication channel;

rendering, in a common internal format, by the point of sale server, the tokenized first item of financial transaction information received from a first receiving module;

rendering, in the common internal format, by the point of sale server, the second item of financial transaction information received from a second receiving module;

rendering, in a second format, by a payment processing module operating in the electronic commerce management provider, the tokenized first item of financial transaction information for payment processing by a first external financial party;

rendering, in a third format, by the payment processing module, the second item of financial transaction information for payment processing by a second external financial party;

transmitting, in the second format, the first tokenized item of financial transaction information for payment processing by the first external financial party; and

transmitting, in the third format, the second item of financial transaction information for payment processing by the second external financial party,

wherein the first and second receiving modules comprise a single stack application interface residing on one or more computers.

9. The method of claim 8 for providing a wireless data communication interface, further comprising:

recognizing the customer mobile device located in an area defined within a geofence;

identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device; and

issuing a session token to the application on the customer mobile device.

10. The method of claim 8 for providing a wireless data communication interface, wherein:

the transmitting, in the second format, the tokenized first item of financial transaction information further includes transmitting, in the second format, the tokenized first item of financial transaction information without transmitting the financial transaction information using an account identifier associated with the tokenized first item of financial transaction information in a registry stored in a secured account data vault to the point-of-sale interface.

11. The method of claim 8 for providing a wireless data communication interface, wherein:

the receiving, over the wireless data communication channel, the tokenized first item of financial transaction information from the customer mobile device further includes receiving, over a Bluetooth low energy radio communication channel, the tokenized first item of financial transaction information from the customer mobile device; and

the receiving the second item of financial transaction information from the point-of-sale interface connected to the customer mobile device through the wireless data communication channel further includes receiving over a broadband wireless network the second item of financial transaction information from the point-of-sale interface connected to the customer mobile device through the wireless data communication channel.

12. The method of claim 8 for providing a wireless data communication interface, further comprising:

receiving a transaction authorization confirmation from the first external financial party, and

transmitting to a customer mobile device an indication of the transaction authorization confirmation.

13. The method of claim 8 for providing a wireless data communication interface, wherein the transmitting to the first external financial party and the second external financial party is by way of a processing gateway using encrypted links over a network.

14. A non-transitory computer-readable storage medium storing program instructions that, when executed by a computing system, causes the computing system to perform a method for providing a wireless data communication interface, the method including:

receiving, by a point of sale server operating in an electronic commerce management provider and over a wireless data communication channel, a tokenized first item of financial transaction information from a customer mobile device;

receiving, by the point of sale server, a second item of financial transaction information from a point-of-sale interface operating in a merchant-facing client application connected to the customer mobile device through the wireless data communication channel;

rendering, in a common internal format, by the point of sale server, the tokenized first item of financial transaction information received from a first receiving module;

rendering, in the common internal format, by the point of sale server, the second item of financial transaction information received from a second receiving module;

rendering, in a second format, by a payment processing module operating in the electronic commerce management provider, the tokenized first item of financial transaction information for payment processing by a first external financial party;

rendering, in a third format, by the payment processing module, the second item of financial transaction information for payment processing by a second external financial party;

transmitting, in the second format, the tokenized first item of financial transaction information for payment processing by the first external financial party; and

transmitting, in the third format, the second item of financial transaction information for payment processing by the second external financial party,

wherein the first and second receiving modules comprise a single stack application interface residing on one or more computers.

15. The non-transitory computer-readable storage medium of claim 14 , the method further including:

recognizing the customer mobile device located in an area defined within a geofence;

identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device; and

issuing a session token to the application on the customer mobile device.

16. The non-transitory computer-readable storage medium of claim 14 , wherein:

the transmitting, in the second format, the tokenized first item of financial transaction information further includes transmitting, in the second format, the tokenized first item of financial transaction without transmitting the financial transaction information using an account identifier associated with the tokenized first item of financial transaction information in a registry stored in a secured account data vault to the point-of-sale interface.

17. The non-transitory computer-readable storage medium of claim 14 , wherein:

the receiving, over the wireless data communication channel, the tokenized first item of financial transaction information from the customer mobile device further includes receiving, over a Bluetooth low energy radio communication channel, the tokenized first item of financial transaction information from the customer mobile device; and

the receiving the second item of financial transaction information from the point-of-sale interface connected to the customer mobile device through the wireless data communication channel further includes receiving over a broadband wireless network the second item of financial transaction information from the point-of-sale interface connected to the customer mobile device through the wireless data communication channel.

18. The non-transitory computer-readable storage medium of claim 14 , the method further including:

receiving a transaction authorization confirmation from the first external financial party; and

transmitting to a customer mobile device an indication of the transaction authorization confirmation.