Point of sale apparatuses, methods and systems

A processor-implemented system, comprising:

• a settings for current commerce location concierge means to:
• receive a user request that user device point of sale capabilities be configured with respect to a user device-situated commerce location,
• send a location conductor means-directed locate for current commerce location request,
• receive, in reply to the locate for current commerce location request, locator data, wherein the locator data comprises beacon data received at the user device-situated commerce location, geographical coordinate data corresponding to the user device-situated commerce location, captured panorama images depicting the user device-situated commerce location, quick response code data captured with respect to the user device-situated commerce location, or user-penned description corresponding to the user device-situated commerce location,
• dispatch a settings vendor concierge means-directed point of sale settings request, wherein the settings request includes the received locator data, and
• receive, in reply to the point of sale settings request, user device point of sale capability configuration settings, wherein the user device point of sale capability configuration settings includes a universally unique identifier, a merchant identifier, and a terminal identifier,
• a point of sale transactor means to:
• receive a user request that the user device point of sale capabilities be employed to make a payment at the user device-situated commerce location,
• access the received user device point of sale capability configuration settings,
• determine a datastructure configuration for an authorization request to an infrastructure point of sale device of the user device-situated commerce location;
• and
• dispatch the authorization request,
• wherein the authorization request conveys the payment,
• wherein the authorization request is payment gateway-directed in agreement with a payment gateway specification of the user device point of sale capability configuration settings, wherein the authorization request is configured to be processed by an unmodified point of sale terminal with the received merchant identifier and terminal identifier, and
• wherein the authorization request includes one or more of a merchant identifier specified by the user device point of sale capability configuration settings or a terminal identifier specified by the user device point of sale capability configuration settings.

A processor-implemented method, the method comprising:

• executing processor-implemented settings for current commerce location concierge component instructions to:
• receive a user request that user device point of sale capabilities be configured with respect to a user device-situated commerce location,
• send a location conductor component-directed locate for current commerce location request,
• receive, in reply to the locate for current commerce location request, locator data, wherein the locator data comprises beacon data received at the user device-situated commerce location, geographical coordinate data corresponding to the user device-situated commerce location, captured panorama images depicting the user device-situated commerce location, quick response code data captured with respect to the user device-situated commerce location, or user-penned description corresponding to the user device-situated commerce location,
• dispatch a settings vendor concierge component-directed point of sale settings request, wherein the settings request includes the received locator data, and
• receive, in reply to the point of sale settings request, user device point of sale capability configuration settings, wherein the user device point of sale capability configuration settings includes a universally unique identifier, a merchant identifier, and a terminal identifier,
• executing processor-implemented point of sale transactor component instructions to:
• receive a user request that the user device point of sale capabilities be employed to make a payment at the user device-situated commerce location,
• access the received user device point of sale capability configuration settings,
• determine a datastructure configuration for an authorization request to an infrastructure point of sale device of the user device-situated commerce location;
• and
• dispatch the authorization request,
• wherein the authorization request conveys the payment,
• wherein the authorization request is payment gateway-directed in agreement with a payment gateway specification of the user device point of sale capability configuration settings, wherein the authorization request is configured to be processed by an unmodified point of sale terminal with the received merchant identifier and terminal identifier, and
• wherein the authorization request includes one or more of a merchant identifier specified by the user device point of sale capability configuration settings or a terminal identifier specified by the user device point of sale capability configuration settings.

A processor-readable non-transient medium storing processor-executable components, the components comprising:

• a component collection in the medium, including:
• a settings for current commerce location concierge component, and
• a point of sale transactor component;
• wherein the component collection, stored in the medium, includes processor-issuable settings for current commerce location concierge component instructions to:
• receive a user request that user device point of sale capabilities be configured with respect to a user device-situated commerce location,
• send a location conductor component-directed locate for current commerce location request,
• receive, in reply to the locate for current commerce location request, locator data, wherein the locator data comprises beacon data received at the user device-situated commerce location, geographical coordinate data corresponding to the user device-situated commerce location, captured panorama images depicting the user device-situated commerce location, quick response code data captured with respect to the user device-situated commerce location, or user-penned description corresponding to the user device-situated commerce location,
• dispatch a settings vendor concierge component-directed point of sale settings request, wherein the settings request includes the received locator data, and
• receive, in reply to the point of sale settings request, user device point of sale capability configuration settings, wherein the user device point of sale capability configuration settings includes a universally unique identifier, a merchant identifier, and a terminal identifier,
• wherein the component collection, stored in the medium, includes processor-issuable point of sale transactor component instructions to:
• receive a user request that the user device point of sale capabilities be employed to make a payment at the user device-situated commerce location,
• access the received user device point of sale capability configuration settings,
• determine a datastructure configuration for an authorization request to an infrastructure point of sale device of the user device-situated commerce location;
• and
• dispatch the authorization request,
• wherein the authorization request conveys the payment,
• wherein the authorization request is payment gateway-directed in agreement with a payment gateway specification of the user device point of sale capability configuration settings, wherein the authorization request is configured to be processed by an unmodified point of sale terminal with the received merchant identifier and terminal identifier, and
• wherein the authorization request includes one or more of a merchant identifier specified by the user device point of sale capability configuration settings or a terminal identifier specified by the user device point of sale capability configuration settings.

The processor-readable non-transient medium of embodiment 34, wherein the component collection, stored in the medium, further includes processor-issuable point of sale transactor component instructions to:

• receive, in reply to the authorization request, payment gateway dispatch of an authorization response,
• parse the authorization response, wherein one or more of an authorization code or a response code are extracted from the authorization response, and
• performing one or more of:
• displaying said one or more of the authorization code or the response code on a user device interface,
• generating one or more of a quick response code or a barcode, wherein said generated one or more of the quick response code or the barcode conveys said one or more of the authorization code or the response code, or sending said one or more of the authorization code or the response code to a storage location.