PAYMENT PROCESSING SYSTEM FOR USE IN A RETAIL ENVIRONMENT HAVING SEGMENTED ARCHITECTURE

• US 20100268612A1
• Filed: 01/19/2010
• Published: 10/21/2010
• Est. Priority Date: 01/18/2009
• Status: Abandoned Application

• Current Assignee: Gilbarco Incorporated (Vontier Corp.)
• Original Assignee: Andrew Richard Pearce, Gaston Berrio, Michael James Symonds, Ronald Philip Klinc
• Inventors: Pearce, Andrew Richard, Berrio, Gaston, Klinc, Ronald Philip, Symonds, Michael James
• Application Number:
  US12/689,983
• Publication Number:
  US 20100268612A1
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 15/001 for gas
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees

Abstract

A payment processing system and method comprising a POS module providing an interface to effect sales of FGS in a retail environment, a device module operatively connected to at least one retail device configured to supply FGS and comprising a card reader adapted to receive a first payment card data for payment for the FGS, wherein the device module is adapted to control operation of the at least one retail device, and a payment system module operatively connected to the POS module and the device module, the payment system module adapted to validate payment for the FGS. The payment system module and the device module are separated from the POS module in order to segment a portion of the payment processing system configured to handle payment card data from a portion of the system that does not handle payment card data.

Claims

1. A payment processing system in a retail environment comprising:

a point-of-sale (POS) module providing an interface for use by an operator of the retail environment to effect sales of fuel, goods, or services (FGS) in the retail environment;

a device module operatively connected to at least one retail device configured to supply FGS, the at least one retail device comprising a card reader adapted to receive a first payment card data of a first payment card for payment for the FGS, wherein the device module is adapted to control operation of the at least one retail device; and

a payment system module operatively connected to the POS module and the device module, the payment system module adapted to validate payment for the FGS,

wherein the payment system module and the device module are separated from the POS module in order to segment the payment system module and the device module that handle the first payment card data from the POS module that does not handle the first payment card data.

2. The system as claimed in claim 1, wherein the retail environment is a fueling station comprising a plurality of fuel dispensers, and the at least one retail device comprises the plurality of fuel dispensers.

3. The system as claimed in claim 1 comprising an item module operatively connected to an item card reader and adapted to receive a second payment card data of a second payment card for payment of at least one of the FGS, wherein the item module is operatively connected to the payment system module so that the payment system module is adapted to validate payment for the at least one FGS, the item module that handles the second payment card data is separated from the POS module that does not handle the second payment card data, and the POS module is adapted to transmit data representative of the at least one FGS to the item module, which is adapted to transmit data representative of the validation to the POS module.

4. The system as claimed in claim 3, wherein the payment system module comprises the item module.

5. The system as claimed in claim 1, wherein the at least one retail device comprises a car wash system.

6. The system as claimed in claim 1, wherein the POS module controls the operation of a POS device, and the at least one retail device comprises a PIN pad associated with the POS device.

7. A payment processing system in a retail environment comprising:

a point-of-sale device (POS) configured to provide an interface, wherein the interface is configured to facilitate sales of fuel, goods, or services (FGS) in the retail environment;

a payment transaction device operatively connected to the POS and configured to effect payment transactions for the FGS; and

a first payment device operatively connected to the payment transaction device and configured to receive a first payment card data from a first payment card,

wherein a first portion of the retail environment comprising the POS is segmented from a second portion of the retail environment comprising the payment transaction device and the first payment device in order to segment the second portion that is configured to handle sensitive information from the first portion that is not configured to handle sensitive information.

8. The payment processing system as claimed in claim 7, wherein the payment transaction device is the same as the first payment device.

9. The payment processing system as claimed in claim 7, wherein the second portion comprises a second payment device operatively connected to the payment transaction device and configured to receive a second payment card data from a second payment card.

10. The payment processing system as claimed in claim 9, wherein the first portion comprises a cashier'"'"'s workstation operatively configured to effect sales of FGS, the cashier'"'"'s workstation being operatively connected to the payment transaction device and associated with the second payment device.

11. The payment processing system as claimed in claim 7, wherein the first payment device is operatively connected to the POS device.

12. The payment processing system as claimed in claim 7 comprising a fuel dispenser operatively connected to the payment transaction device, wherein the fuel dispenser comprises the first payment device.

13. The payment processing system as claimed in claim 12, wherein the second portion comprises the fuel dispenser.

14. A method for effecting transactions involving payment card data in a retail environment for fuel, goods, or services (FGS) offered by the retail environment, the method comprising the steps of:

providing a sales device configured to conduct transactions for the sale of the FGS offered by the retail environment;

providing a transaction device operatively connected to the sales device and configured to effect payment transactions using the payment card data for the sale of the FGS offered by the retail environment;

providing a payment card device operatively connected to the transaction device, wherein the payment card device is configured to receive the payment card data; and

segmenting the sales device that is not configured to handle the payment card data from the transaction device and the payment card device that are configured to handle the payment card data.

15. The method as claimed in claim 14 comprising receiving at the payment card device the payment card data;

and transmitting the payment card data to the transaction device.

16. The method as claimed in claim 15 comprising validating the payment card data by the transaction device.

17. The method as claimed in claim 14 comprising transmitting data associated with the transactions from the sales device to the transaction device, wherein the data does not include the payment card data.

18. The method as claimed in claim 14 comprising transmitting data associated with the transactions from the transaction device to the sales device, wherein the data does not include the payment card data.

19. The method as claimed in claim 14, wherein the payment card device is associated with a fuel dispenser that is configured to dispense fuel.

20. The method as claimed in claim 14, wherein the payment card device is associated with the sales device.

21. The method as claimed in claim 14 comprising encrypting the payment card data.