Reprogrammable point-of-sale transaction flows

A computer program product comprising:

• software development kit (SDK) instructions configured to be compiled into a third-party application for installation and execution on a mobile device, the third-party application compiled from the SDK instructions and third-party instructions, the SDK instructions executable in the third-party application on the mobile device to:
• receive a command or an argument from an execution of the third-party instructions;
• transmit a message to a card reader coupled to the mobile device;
• receive card data from the card reader;
• and
• at least one of:
• provide the card data for processing by the execution of the third-party instructions;
• or
• provide the card data to a payment processor, wherein the payment processor is distinct from an entity that provides the third-party application.

A method, performed at least in part by software development kit (SDK) instructions configured to be compiled into a third-party application for installation and execution on a mobile device, the method comprising:

• receiving, via the SDK instructions, a command or an argument from an execution of third-party instructions, wherein the third-party application is compiled from the SDK instructions and the third-party instructions;
• transmitting a message to a card reader coupled to the mobile device;
• receiving card data from the card reader;
• and
• causing the card data to be processed, wherein causing the card data to be processed is based on at least one of:
• providing the card data for processing by the execution of the third-party instructions;
• or
• providing the card data to a payment processor, wherein the payment processor is distinct from an entity that provides the third-party application.

A system comprising:

• one or more processors;
• and
• one or more computer-readable media storing instructions that, when executed by the one or more processors, cause the system to perform operations comprising:
• receiving, via software development kit (SDK) instructions configured to be compiled into a third-party application for installation and execution on a mobile device, a command or an argument from an execution of third-party instructions, wherein the third-party application is compiled from the SDK instructions and the third-party instructions;
• transmitting a message to a card reader coupled to the mobile device;
• receiving card data from the card reader;
• and
• causing the card data to be processed, wherein causing the card data to be processed is based on at least one of:
• providing the card data for processing by the execution of the third-party instructions;
• or
• providing the card data to a payment processor, wherein the payment processor is distinct from an entity that provides the third-party application.

A method, performed at least in part by software development kit (SDK) instructions on a mobile device, the method comprising:

• causing a payment card reader to read payment card data from a payment card, the payment card reader including reader instructions executable on the payment card reader to configure the payment card reader to read the payment card data from the payment card;
• receiving, from the payment card reader, the payment card data;
• and
• processing the payment card data, at least in part, by the SDK instructions on the mobile device, wherein:
• the SDK instructions are configured to be integrated into a third-party application on the mobile device,
• the SDK instructions are provided by a payment processor, and
• the third-party application is provided by an entity distinct from the payment processor.