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

• US 20160063470A1
• Filed: 11/09/2015
• Published: 03/03/2016
• Est. Priority Date: 01/18/2009
• Status: Active Grant

• Current Assignee: Gilbarco Incorporated (Vontier Corp.)
• Original Assignee: Gilbarco Incorporated (Vontier Corp.)
• Inventors: Berrio, Gaston, Symonds, Michael James, Klinc, Ronald Philip, Pearce, Andrew Richard
• Granted Patent: US 9,424,566 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 20/34 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 postage metering system using cryptography G06Q2250/05
• 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 retail fueling environment having a secure LAN portion including a plurality of fuel dispensers, each fuel dispenser generating non-sensitive transaction data and having a customer interface with a dispenser card reader and a PIN pad to receive sensitive payment information from a customer, characterized in that the retail fueling environment includes:

(a) a store LAN portion of the retail fueling environment comprising a server workstation having a cashier work station that provides means for effecting a transaction for one or more items offered for sale by the retail fueling environment, the store LAN portion of the retail fueling environment does not handle sensitive payment information and is segmented from the secure LAN portion that handles the sensitive payment information;

(b) at least one customer card reader for receiving the sensitive payment information from the customer, the customer card reader being a part of the secure LAN portion of the retail fueling environment and associated with the server workstation; and

(c) an enhanced dispenser hub that is part of the secure LAN portion of the retail fueling environment, the enhanced dispenser hub device;

(i) receives the sensitive payment information from the dispenser card reader and from the at least one customer card reader;

(ii) receives the non-sensitive transaction data from the fuel dispensers;

(iii) transmits the sensitive payment information and non-sensitive transaction data such that the;

sensitive payment information is not transmitted to the store LAN portion of the retail fueling environment and is transmitted to a financial institution for validation of the transaction; and

, non-sensitive transaction data is transmitted to the server workstation; and

,

(iv) controls the operation of the fuel dispensers.

2. The retail fueling environment according to claim 1, characterized in that the store LAN portion of the retail fueling environment further includes, in addition to the server workstation, a point of sale server device which receives the non-sensitive transactional data from the enhanced dispenser hub.

3. The retail fueling environment according to claim 1, characterized in that the secure LAN portion of the retail fueling environment further includes an additional customer card reader for receiving the sensitive payment information from the customer, the output of the additional customer card reader being transmitted to the enhanced dispenser device.

4. The retail fueling environment according to claim 1, characterized in that the retail fueling environment further includes a secure router in the secure LAN portion of the retail fueling environment, the secure router operably connected for communication between the enhanced dispenser hub and the store LAN portion of the retail fueling device.

5. The retail fueling environment according to claim 4 characterized in that the secure router connects the enhanced dispenser hub to wide area network (WAN) for communication between devices in the retail fueling environment and devices external to the retail fueling environment.