Point of sale system transaction processing
A point-of-sale system used in transactions between a merchant and a consumer can have a merchant terminal and a consumer terminal. The merchant terminal can provide a merchant point-of-sale graphical user interface (GUI) to the merchant. The consumer terminal can display a plurality of screens on a touch screen display to a consumer during a point-of-sale transaction. A touch controller of the consumer terminal can receive user inputs entered in the touch screen display. The touch controller can selectively provide the received user inputs to one of the first processor or a second processor. The second processor can encrypt the user inputs received from the touch controller and send the encrypted user inputs to the first processor for transmission to a payment system.
1 . A method of facilitating processing of a transaction at a point-of-sale system of a merchant, the method comprising:
receiving, from a first component of the point-of-sale system of the merchant, a payment total at a non-secure processor of a second component of the point-of-sale system, wherein the first component is merchant-facing and the second component is customer-facing for receiving a payment card for processing the transaction;
determining at the non-secure processor of the second component whether a payment card presented at the second component is an EMV card or a magnetic stripe-type card;
encrypting payment information using a secure processor of the second component when the payment card is an EMV card; and
providing the payment information to a payment system from the non-secure processor, the payment system being communicatively coupled to the point-of-sale system.
2 . The method of claim 1 , wherein the payment information, after being encrypted, is sent to the first component prior to being sent to the payment system.
3 . The method of claim 1 , wherein a confirmation is provided to the first component upon confirmation of available funds for the point-of-sale transaction.
4 . The method of claim 1 , further comprising:
receiving, by a touch controller of the second component, a user input entered in a touch screen display of the second component; and
selectively providing, by the touch controller, the user input to one of the non-secure processor or the secure processor.
5 . The method of claim 4 , further comprising:
receiving, by the secure processor, the user input from the touch controller;
encrypting, by the secure processor, the received user input; and
sending the encrypted user input to the non-secure processor for transmission of the encrypted user input to the payment system by the non-secure processor.
6 . The method of claim 4 , further comprising:
determining, by the touch controller, whether the user input requires further processing; and
providing, by the touch controller, the user input requiring further processing to the secure processor.
7 . The method of claim 1 , wherein determining at the non-secure processor of the second component whether a payment card is an EMV card or a magnetic stripe-type card further includes:
sending a magnetic stripe-type card specific graphical user interface (GUI) to a touch screen display of the second component when the payment card is a magnetic stripe-type card; and
sending an EMV card specific GUI to the touch screen display when the payment card is an EMV card.
8 . The method of claim 1 , further comprising:
receiving, at an EMV card reader of the second component, the payment information from an EMV card; and
providing, by the EMV card reader, the payment information from the EMV card to the secure processor via a connection between the secure processor and the EMV card reader.
9 . The method of claim 1 , further comprising:
initiating a check-out procedure at the first component; and
providing, by the first component, the payment total to the second component as part of the check-out procedure.
10 . The method of claim 9 , further comprising:
receiving, at the first component, information on an item or service;
providing, by the first component, the information on the item or service to the non-secure processor of the second component; and
displaying, by the non-secure processor, the information on the item or service on the second component.
11 . A point-of-sale system of a merchant, comprising:
a first component comprising a first processor, wherein the first component is merchant-facing; and
a second component comprising:
a non-secure processor,
a secure processor, and
one or more memories storing instructions that, when executed by the non-secure processor or the secure processor, cause the second component to:
receive, at the non-secure processor and from the first component, a payment total;
determine, at the non-secure processor, whether a payment card presented at the second component is an EMV card or a magnetic stripe-type card;
encrypt, at the secure processor, payment information when the payment card is an EMV card; and
provide the payment information to a payment system from the non-secure processor, the payment system being communicatively coupled to the point-of-sale system;
wherein the second component is customer-facing for receiving a payment card for processing a transaction.
12 . The point-of-sale system of claim 11 , wherein the first component is configured to initiate a check-out procedure and provide the payment total to the second component as part of the check-out procedure.
13 . The point-of-sale system of claim 12 , wherein the first component is configured to receive information on an item or service and provide the information on the item or service to the non-secure processor of the second component, and wherein the non-secure processor is configured to display the information on the item or service on the second component.
14 . The point-of-sale system of claim 11 , wherein the one or more memories further store instructions that, when executed by the non-secure processor or the secure processor, cause the second component to:
send the payment information, after being encrypted, to the first component prior to the payment information being sent to the payment system.
15 . The point-of-sale system of claim 11 , wherein the second component further comprises an EMV card reader, and wherein the one or more memories further store instructions that, when executed by the non-secure processor or the secure processor, cause the second component to:
receive, at the EMV card reader of the second component, the payment information from an EMV card; and
provide, by the EMV card reader, the payment information from the EMV card to the secure processor via a connection between the secure processor and the EMV card reader.
16 . One or more non-transitory computer-readable media having computer-readable instructions stored therein, which when executed by one or more processors, cause the one or more processors to:
receive, from a first component of a point-of-sale system of a merchant, a payment total at a non-secure processor of a second component of the point-of-sale system, wherein the first component is merchant-facing and the second component is customer-facing for receiving a payment card for processing a transaction;
determine at the non-secure processor of the second component whether a payment card presented at the second component is an EMV card or a magnetic stripe-type card;
encrypt payment information using a secure processor of the second component when the payment card is an EMV card; and
provide the payment information to a payment system from the non-secure processor, the payment system being communicatively coupled to the point-of-sale system.
17 . The one or more non-transitory computer-readable media of claim 16 , wherein the computer-readable instructions, when executed by one or more processors of the point-of-sale system, further cause the one or more processors to initiate a check-out procedure at the first component and provide the payment total to the second component as part of the check-out procedure.
18 . The one or more non-transitory computer-readable media of claim 17 , wherein the computer-readable instructions, when executed by the one or more processors of the point-of-sale system, further cause the one or more processors to receive, at the first component, information on an item or service, provide the information on the item or service to the non-secure processor of the second component, and display, by the non-secure processor, the information on the item or service on the second component.
19 . The one or more non-transitory computer-readable media of claim 16 , wherein the computer-readable instructions, when executed by the one or more processors, further cause the one or more processors to:
send the payment information, after being encrypted, to the first component prior to the payment information being sent to the payment system.
20 . The one or more non-transitory computer-readable media of claim 16 , wherein the computer-readable instructions, when executed by the one or more processors, further cause the one or more processors to:
receive, at an EMV card reader of the second component, the payment information from an EMV card; and
provide, by the EMV card reader, the payment information from the EMV card to the secure processor via a connection between the secure processor and the EMV card reader.