Method and system for providing multiple services via a point-of-sale portal architecture

• US 9,269,082 B2
• Filed: 09/29/2006
• Issued: 02/23/2016
• Est. Priority Date: 01/30/2002
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Redmond, Eric, Huang, Jean, Heisinger, Pete
• Primary Examiner(s): KUCAB, JAMIE R
• Application Number:
  US11/540,014
• Publication Number:
  US 20070094085A1
• Time in Patent Office: 3,434 Days
• Field of Search: None
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• 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 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]

Abstract

A secure point-of-sale (POS) portal architecture for delivering multiple services is provided. According to one exemplary aspect of the architecture, a number of services offered by various parties are integrated for delivery to merchants. The parties offering the services include, for example, payment processors and merchant acquirers and other external value-added service providers. The integrated services, in turn, are offered to merchants and/or their respective customers via one or more POS devices and its supporting system infrastructure at the merchant locations. The integrated services include, for example, acceptance of multiple payment instruments, payment processing, user dialog management, sales promotion and customer support, loyalty programs, back office processing, receipt capture, employee training, risk management, dispute resolution, system security, system administration etc. Moreover, these integrated services may be customized based on a merchant'"'"'s particular requirements to provide a specific environment for delivering these services.

Claims

1. A method comprising:

coordinating, by a services syndication hub, transactions between a plurality of subscribers'"'"' in-store appliance servers and affiliated service providers, wherein the plurality of subscribers comprise a first subscriber, a second subscriber, a third subscriber, and a fourth subscriber, wherein the first, second, third, and fourth subscribers are merchants, wherein the plurality of subscribers'"'"' in-store appliance servers communicate with POS devices at each of the plurality of subscribers;

enforcing service agreements, operating policies, rules, and regulations among the plurality of subscribers and the affiliated service providers, by the services syndication hub;

providing, by the services syndication hub, different combinations of services to the first and second subscribers'"'"' POS devices pursuant to the first and second subscribers'"'"' customization requirements; and

providing, by the services syndication hub, a service to each of the first, second, third, and fourth subscribers, wherein the service is presented differently at the POS devices at first, second, third, and fourth subscribers,

wherein the services syndication hub is programmed to coordinate the transactions, enforce the service agreements, the operating policies, the rules and the regulations, and provide the different combination of services.

2. The method of claim 1 further comprising:

providing, by the services syndication hub, the same combination of services to the first and third subscribers, wherein the services provided to the first and third subscribers are delivered in a different manner.

3. The method of claim 1 wherein the affiliated service providers comprise payment processors, merchant acquirers and external value-added service providers.

4. The method of claim 1 wherein a subscriber in the plurality of subscribers delivers different services to different customers.

5. The method of claim 1 wherein a service is delivered by the services syndication hub in a particular manner depending upon the capability of a POS device.

6. The method of claim 1 wherein the in-store appliance servers manage services supplied by the services syndication hub.

7. The method of claim 1 wherein the in-store appliance servers deliver services based on the capabilities of the POS devices at the respective subscribers.

8. The method of claim 1 wherein the service providers include a service provider that provides a receipt capture service, the receipt capture service is delivered to one or more of the plurality of subscribers by the services syndication hub.

9. The method of claim 1 wherein the service providers include a service provider that provides an advertising service, the advertising service is delivered to one or more of the plurality of subscribers by the services syndication hub.

10. The method of claim 1 wherein the service providers include a service provider that provides a certificate authority service, the certificate authority service is delivered to one or more of the plurality of subscribers by the services syndication hub.

11. The method of claim 1 further comprising:

filtering content from the services by a plurality of presentation filters; and

rendering the filtered content on the POS devices.

12. The method of claim 11 further comprising:

customizing, by the different POS devices, the filtered content based upon in-store events at the subscribers.

13. The method of claim 1 further comprising:

adjusting the delivery of services to the POS devices depending upon the types of POS devices.

14. A system comprising:

a processor; and

a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code, executable by the processor to implement a method comprising

coordinating transactions between a plurality of subscribers'"'"' in-store appliance servers and affiliated service providers, wherein the plurality of subscribers comprise a first subscriber, a second subscriber, a third subscriber, and a fourth subscriber, wherein the first, second, third, and fourth subscribers are merchants, wherein the plurality of subscribers'"'"' in-store appliance servers communicate with POS devices at each of the plurality of subscribers;

enforcing service agreements, operating policies, rules, and regulations among the plurality of subscribers and the affiliated service providers, by the services syndication hub;

providing different combinations of services to the first and second subscribers'"'"' POS devices pursuant to the first and second subscribers'"'"' customization requirements,

providing a service to each of the first, second, third, and fourth subscribers, wherein the service is presented differently at the POS devices at first, second, third, and fourth subscribers,

wherein the services syndication hub is programmed to coordinate the transactions, enforce the service agreements, the operating policies, the rules and the regulations, and provide the different combination of services.