Preliminary acquisition of payment information

A payment terminal for processing a chip card transaction, the payment terminal comprising:

• a chip card interface configured to exchange payment messages with a chip card;
• a communication interface configured to communicate with one or more transaction processing servers;
• a user interface configured to display a point-of-sale application to a user and receive user inputs based on the point-of-sale application;
• one or more processing units coupled to the chip card interface, the communication interface, and the user interface, wherein the one or more processing units are configured to execute user interface instructions, transaction pre-charge instructions, and transaction processing instructions;
• and
• one or more memories configured to store the user interface instructions, the transaction pre-charge instructions, and the transaction processing instructions, wherein the user interface instructions cause the one or more processing units to provide the point-of-sale application to the user interface, generate a pre-charge request in response to a first user input at the point-of sale application, and receive a transaction complete indicator in response to a subsequent user input at the point-of-sale application, wherein the pre-charge instructions are executed upon generation of the pre-charge request and cause the one or more processing units to send the pre-charge request to the chip card interface, acquire an authorization information response from the chip card interface, and store the authorization information response, and wherein the transaction processing instructions cause the processing unit to transmit the stored authorization information response to the one or more transaction processing servers via the communication interface in response to receiving the transaction complete indicator.

A chip card transaction processing method, comprising:

• providing a point-of-sale application to a user interface of a payment terminal;
• displaying, at the user interface, the point-of-sale application to a user;
• receiving, at the user interface, user inputs based on the point-of-sale application;
• generating a pre-charge request in response to a first user input at the point-of-sale application;
• sending the pre-charge request to a chip card interface upon generation of the pre-charge request;
• acquiring an authorization information response from the chip card interface;
• storing the authorization information response from the chip card interface;
• receiving, at the user interface, a transaction complete indicator in response to a subsequent user input at the point-of-sale application;
• and
• transmitting, via a communication interface of the payment terminal, the stored authorization information response to one or more transaction processing servers in response to the transaction complete indicator.

A non-transitory computer-readable storage medium comprising instructions stored therein, which when executed by one or more processors, cause the one or more processors to perform operations comprising:

• providing a point-of-sale application to a user interface for display to a user at the user interface;
• receiving user inputs from the user interface based on the point-of-sale application;
• generating a pre-charge request in response to a first user input at the point-of-sale application;
• providing the pre-charge request to a chip card interface upon generation of the pre-charge request;
• acquiring an authorization information response from the chip card interface;
• storing the authorization information response from the chip card interface;
• receiving a transaction complete indicator from the user interface in response to a subsequent user input at the point-of-sale application;
• and
• providing the stored authorization information response for transmission via a communication interface to one or more transaction processing servers in response to the transaction complete indicator.