Payment processing system for use in a retail environment having segmented architecture
First Claim
1. A retail fueling environment comprising:
- a first portion of the retail fueling environment that is configured to handle only non-sensitive transaction information, the first portion comprising;
a point-of-sale device (POS) configured to facilitate a sale of fuel, goods, or services for use by an operator of the fueling environment to perform functions unrelated to handling of sensitive payment information;
a second portion of the retail fueling environment that is configured to handle sensitive payment information and the non-sensitive transaction information, the second portion comprising;
a plurality of fuel dispensers, each having a customer interface including a card reader and a PIN pad to receive sensitive payment information, the customer interface being configured to transmit 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;
receive the non-sensitive transaction information from the fuel dispensers;
separately route the sensitive payment information and non-sensitive transaction information such that the secure hub device;
transmits the sensitive payment information to a financial institution system operatively connected to the secure hub device via an external network and does not transmit the sensitive payment information to the POS; and
transmits the non-sensitive transaction information including information indicative of the fuel dispensed and non-sensitive customer identification information to the POS; and
allow dispensing of fuel at the fuel dispensers or sale of goods or services upon receipt of authorization from the financial institution system;
wherein the first portion of the retail fueling environment is segmented from the second portion so that the second portion handles the sensitive payment information and the non-sensitive transaction information and the first portion handles only the non-sensitive transaction information.
1 Assignment
0 Petitions
Reexamination
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.
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Citations
27 Claims
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1. A retail fueling environment comprising:
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a first portion of the retail fueling environment that is configured to handle only non-sensitive transaction information, the first portion comprising; a point-of-sale device (POS) configured to facilitate a sale of fuel, goods, or services for use by an operator of the fueling environment to perform functions unrelated to handling of sensitive payment information; a second portion of the retail fueling environment that is configured to handle sensitive payment information and the non-sensitive transaction information, the second portion comprising; a plurality of fuel dispensers, each having a customer interface including a card reader and a PIN pad to receive sensitive payment information, the customer interface being configured to transmit 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; receive the non-sensitive transaction information from the fuel dispensers; separately route the sensitive payment information and non-sensitive transaction information such that the secure hub device; transmits the sensitive payment information to a financial institution system operatively connected to the secure hub device via an external network and does not transmit the sensitive payment information to the POS; and transmits the non-sensitive transaction information including information indicative of the fuel dispensed and non-sensitive customer identification information to the POS; and allow dispensing of fuel at the fuel dispensers or sale of goods or services upon receipt of authorization from the financial institution system; wherein the first portion of the retail fueling environment is segmented from the second portion so that the second portion handles the sensitive payment information and the non-sensitive transaction information and the first portion handles only the non-sensitive transaction information. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A secure hub device for a retail fueling environment, whereby the retail fueling environment comprises a first portion that is configured to handle only non-sensitive transaction information and a second portion that is configured to handle sensitive payment information and the non-sensitive transaction information,
wherein the second portion of the retail fueling environment comprises a plurality of fuel dispensers, each having a customer interface including a card reader and a PIN pad to receive sensitive payment information, the customer interface being configured to transmit the sensitive payment information, wherein the first portion of the retail fueling environment comprises a point-of-sale device (POS), wherein the POS is configured to facilitate a 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: -
receive the sensitive payment information from the customer interfaces of the fuel dispensers; receive the non-sensitive transaction information from the fuel dispensers; separately route the sensitive payment information and non-sensitive transaction information such that the secure hub device; transmits the sensitive payment information to a financial institution system operatively connected to the secure hub device via an external network and does not transmit the sensitive payment information to the POS; and transmits the non-sensitive transaction information to the POS; and allow dispensing of fuel at the fuel dispensers or sale of goods or services upon receipt of authorization from the financial institution system; wherein the first portion of the retail fueling environment is segmented from the second portion so that the second portion handles the sensitive payment information and the non-sensitive transaction information and the first portion handles only the non-sensitive transaction 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 and non-sensitive transaction information 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, and wherein the non-sensitive transaction information is received from the at least one payment device of the retail fueling environment; 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; and a transaction software module configured to transmit the sensitive payment data to a host configured to effect payment for the transaction and does not transmit the sensitive payment information to the POS so that the sensitive payment information and non-sensitive transaction information are separately routed; and 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 first portion handles only the non-sensitive data for the transaction. - 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 first portion comprising a point-of-sale device (POS) and a second portion comprising at least one payment device and at least one fuel dispenser, wherein the first portion of the retail fueling environment is configured to handle only non-sensitive data, and wherein the second portion of the retail fueling environment is configured to handle sensitive payment data and the non-sensitive data, the method comprising:
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providing, in the second portion, 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 the non-sensitive data associated with the transaction to the POS and to receive the sensitive payment data associated with the transaction from the payment device; receiving the sensitive payment data from the payment device; receiving the non-sensitive data from the payment device; separately routing the sensitive payment data and non-sensitive data such that the secure hub device; transmits at least a portion of the sensitive payment data from the payment device to a host system to effect payment for the transaction and does not transmit the sensitive payment data to the POS; and transmits the non-sensitive data including information indicative of fuel dispensed and non-sensitive customer identification information to the POS; and receiving confirmation data associated with the transaction from the host system; wherein the first portion of the retail fueling environment is segmented from the second portion so that the second portion handles the sensitive payment data and the non-sensitive data and the first portion handles only the non-sensitive data. - View Dependent Claims (24, 25, 26, 27)
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Specification