Systems and methods for distributed enhanced payment processing

A system comprising:

• at least one processor;
• at least one storage comprising instructions which, when executed by the at least one processor, cause the at least one processor to perform operations for enhanced electronic transaction processing, the operations comprising:
• determining, at a point of sale (POS) terminal, a transaction type associated with an electronic transaction;
• identifying, based on input received from a purchaser at an input device associated with the POS terminal, a selected tender option;
• ascertaining, subsequent to the identifying, that the selected tender option requires authorization from a remote electronic transaction management system associated with the POS terminal;
• determining, using the remote electronic transaction management system, a chosen payer client, wherein the determining comprises:
• providing, subsequent to the ascertaining and on a display device associated with the POS terminal, a presentation of one or more merchant-approved payer options associated with the selected tender option;
• receiving a selection by the purchaser of one of the one or more merchant-approved payer options;
• and
• establishing, as the chosen payer client, the selected one of the one or more merchant-approved payer options;
• receiving, at the remote electronic transaction management system and via a facility based on the chosen payer client, payment credentials, wherein the payment credentials comprise an electronic transaction amount, a unique account identifier, and an electronic transaction entity identifier associated with the chosen payer client;
• transmitting, using the remote electronic transaction management system, a payment authorization request to the chosen payer client;
• detecting, by the remote electronic transaction management system, that an electronic transaction entity system associated with the chosen payer client is non-communicative, wherein the detecting comprises:
• transmitting, by the remote electronic transaction management system through a wireless network, a handshake request to the electronic transaction entity system;
• and
• determining, by the remote electronic transaction management system, that no response to the handshake request is received from the electronic transaction entity system;
• generating, based on the detecting that the electronic transaction entity system is non-communicative and upon identifying that the chosen payer client is a high-volume payer, a substitute electronic transaction approval response;
• transmitting, at a first time by the remote payment management system, the generated substitute electronic transaction approval response to the POS terminal;
• processing, subsequent to transmitting the generated substitute electronic transaction approval response, the electronic transaction request directly by the remote payment management system;
• routing, at a second time by the remote payment management system after the direct processing of the electronic transaction, the electronic transaction amount and unique account identifier to the electronic transaction entity system, wherein the electronic transaction entity system is determined to be communicative at the second time;
• receiving, at the remote payment management system, an electronic transaction approval response from the electronic transaction entity system after the second time;
• and
• receiving, at the remote payment management system after the second time, the electronic transaction amount from the electronic transaction entity system.

At least one non-transitory computer readable medium storing instructions which, when executed by at least one processor, cause the at least one processor to perform operations for enhanced electronic transaction processing, the operations comprising:

• determining, at a point of sale (POS) terminal, a transaction type associated with an electronic transaction;
• identifying, based on input received from a purchaser at an input device associated with the POS terminal, a selected tender option;
• ascertaining, subsequent to the identifying, that the selected tender option requires authorization from a remote electronic transaction management system associated with the POS terminal;
• determining, using the remote electronic transaction management system, a chosen payer client, wherein the determining comprises:
• providing, subsequent to the ascertaining and on a display device associated with the POS terminal, a presentation of one or more merchant-approved payer options associated with the selected tender option;
• receiving a selection by the purchaser of one of the one or more merchant-approved payer options;
• and
• establishing, as the chosen payer client, the selected one of the one or more merchant-approved payer options;
• receiving, at the remote electronic transaction management system and via a facility based on the chosen payer client, payment credentials, wherein the payment credentials comprise an electronic transaction amount, a unique account identifier, and an electronic transaction entity identifier associated with the chosen payer client;
• transmitting, using the remote electronic transaction management system, a payment authorization request to the chosen payer client;
• detecting, by the remote electronic transaction management system, that an electronic transaction entity system associated with the chosen payer client is non-communicative, wherein the detecting comprises:
• transmitting, by the remote electronic transaction management system through a wireless network, a handshake request to the electronic transaction entity system;
• and
• determining, by the remote electronic transaction management system, that no response to the handshake request is received from the electronic transaction entity system;
• generating, based on the detecting that the electronic transaction entity system is non-communicative and upon identifying that the chosen payer client is a high-volume payer, a substitute electronic transaction approval response;
• transmitting, at a first time by the remote payment management system, the generated substitute electronic transaction approval response to the POS terminal;
• processing, subsequent to transmitting the generated substitute electronic transaction approval response, the electronic transaction request directly by the remote payment management system;
• routing, at a second time by the remote payment management system after the direct processing of the electronic transaction, the electronic transaction amount and unique account identifier to the electronic transaction entity system, wherein the electronic transaction entity system is determined to be communicative at the second time;
• receiving, at the remote payment management system, an electronic transaction approval response from the electronic transaction entity system after the second time;
• and
• receiving, at the remote payment management system after the second time, the electronic transaction amount from the electronic transaction entity system.