Systems and methods for removing point of sale processing from PCI scope
AssigneeAurus Inc.
InventorRahul Mutha
Life of this patent
Estimating the term…
Abstract
The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location.
Claims19
A method for processing payments, the method comprising:
- Receiving, at a retail location, a request to process a payment transaction;
- determining that the request is associated with one of a plurality of credit card terminals at the retail location;
- receiving, by the determined credit card terminal, secure payment information;
- sending, by the determined credit card terminal, secure payment information to a remotely located server for authorization;
- receiving, by the determined credit card terminal, an authorization from a remotely located server, and
- receiving, at the retail location, an authorization from the determined credit card terminal which does not include secure payment information.
A system for processing payments, the system comprising:
- at least one processing unit communicatively coupled to a memory unit capable of storing processor-executable instructions, wherein upon execution of the processor-executable instructions, the at least one processing unit:
- receives, at a retail location, a request to process a payment transaction,
- determines that the request is associated with one of a plurality of credit card terminals at the retail location;
- and
- receives, at the retail location, an authorization from the determined credit card terminal which does not include secure payment information;
- and
- a determined credit card terminal comprising at least one processing unit communicatively coupled to a memory unit capable of storing processor-executable instructions, wherein upon execution of the processor-executable instructions, the at least one processing unit:
- instructions, wherein upon execution of the processor-executable instructions, the at least one processing unit:
- receives secure payment information,
- sends secure payment information to a remotely located server for authorization, and
- receives an authorization from a remotely located server.
A computer-readable storage medium encoded with computer-readable instructions that, as a result of being executed by a computing device, controls the computing device to perform a method for processing payments, the method comprising:
- Receiving, at a retail location, a request to process a payment transaction;
- determining that the request is associated with one of a plurality of credit card terminals at the retail location;
- receiving, by the determined credit card terminal, secure payment information;
- sending, by the determined credit card terminal, secure payment information to a remotely located server for authorization;
- receiving, by the determined credit card terminal, an authorization from a remotely located server,
- receiving, at the retail location, an authorization from the determined credit card terminal which does not include secure payment information.
Dependencies are inferred from the claim text.