PAYMENT PROCESSING SYSTEM FOR USE IN A RETAIL ENVIRONMENT HAVING SEGMENTED ARCHITECTURE
First Claim
1. A retail fueling environment comprising:
- a plurality of fuel dispensers, each having at least one customer interface including a card reader and a PIN pad for entry of sensitive payment information;
a point-of-sale device (POS) configured to facilitate the sale of fuel, goods, or services for use by an operator of the fueling environment to perform functions unrelated to handling of the sensitive payment information;
a secure hub device operatively connected to the plurality of fuel dispensers and the POS, the secure hub device being operative to;
receive the sensitive payment information from the customer interfaces of the fuel dispensers;
transmit the sensitive payment information to a financial institution system operatively connected to the secure hub device via an external network;
allow dispensing of fuel upon receipt of authorization from the financial institution system; and
transmit transaction information indicative of the fuel dispensed and non-sensitive customer identification information to the POS,wherein a first portion of the retail fueling environment comprising the POS is segmented from a second portion of the retail fueling environment comprising the secure hub device and the plurality of fuel dispensers in order to segment the second portion that is configured to handle the sensitive payment information from the first portion that is not configured to handle the sensitive payment information.
1 Assignment
0 Petitions
Accused Products
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.
86 Citations
27 Claims
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1. A retail fueling environment comprising:
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a plurality of fuel dispensers, each having at least one customer interface including a card reader and a PIN pad for entry of sensitive payment information; a point-of-sale device (POS) configured to facilitate the sale of fuel, goods, or services for use by an operator of the fueling environment to perform functions unrelated to handling of the sensitive payment information; a secure hub device operatively connected to the plurality of fuel dispensers and the POS, the secure hub device being operative to; receive the sensitive payment information from the customer interfaces of the fuel dispensers; transmit the sensitive payment information to a financial institution system operatively connected to the secure hub device via an external network; allow dispensing of fuel upon receipt of authorization from the financial institution system; and transmit transaction information indicative of the fuel dispensed and non-sensitive customer identification information to the POS, wherein a first portion of the retail fueling environment comprising the POS is segmented from a second portion of the retail fueling environment comprising the secure hub device and the plurality of fuel dispensers in order to segment the second portion that is configured to handle the sensitive payment information from the first portion that is not configured to handle the sensitive payment information. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A secure hub device for a retail fueling environment having a plurality of fuel dispensers and a point-of-sale device (POS), wherein each of the plurality of fuel dispensers includes at least one customer interface having a card reader and a PIN pad for entry of sensitive payment information, wherein the POS is configured to facilitate the sale of fuel, goods, or services for use by an operator of the fueling environment to perform functions unrelated to handling of the sensitive payment information, and wherein the secure hub device being operative when connected for communication with the plurality of fuel dispensers and the POS to:
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receive the sensitive payment information from the customer interfaces of the fuel dispensers; transmit the sensitive payment information to a financial institution system operatively connected to the secure hub device via an external network; allow dispensing of fuel upon receipt of authorization from the financial institution system; and transmit transaction information indicative of the fuel dispensed and non-sensitive customer identification information to the POS; wherein a first portion of the retail fueling environment comprising the POS is segmented from a second portion of the retail fueling environment comprising the secure hub device and the plurality of fuel dispensers in order to segment the second portion that is configured to handle the sensitive payment information from the first portion that is not configured to handle the sensitive payment information. - View Dependent Claims (9, 10, 11, 12)
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13. A secure hub device comprising:
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a processing device; memory operatively connected to the processing device comprising; a payment data software module configured to process sensitive payment data for a transaction, wherein the sensitive payment data is received from at least one payment device of a retail fueling environment at which the sensitive payment data is provided by a customer; a transaction software module configured to transmit the sensitive payment data to a host configured to effect payment for the transaction; and a point-of-sale software module configured to communicate with a point-of-sale device (POS) of the retail fueling environment including providing non-sensitive data for the transaction to the POS, wherein the secure payment hub device enables a first portion of the retail fueling environment comprising the POS to be segmented from a second portion of the retail fueling environment comprising the at least one payment device so that the sensitive payment data is not transmitted to the first portion of the retail fueling environment. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A method for effecting a transaction for a retail fueling environment that includes a point-of-sale device (POS), at least one payment device, and at least one fuel dispenser, the method comprising:
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providing a secure hub device operatively connected to the POS, the at least one payment device, and the at least one fuel dispenser, wherein the secure hub device is configured to communicate non-sensitive data associated with the transaction to the POS and to receive sensitive payment data associated with the transaction from the payment device; receiving the sensitive payment data from the payment device; transmitting at least a portion of the sensitive payment data from the payment device to a host system to effect payment for the transaction; receiving confirmation data associated with the transaction from the host system; and transmitting the non-sensitive data to the POS and not transmitting the sensitive payment data to the POS. - View Dependent Claims (24, 25, 26, 27)
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Specification