Abstract: A point of sale client integration platform is provided. The point of sale client integration platform includes a point of sale client application and a commerce client module that, in combination, provide a device agnostic payment transaction operation. The commerce client module includes communication interfaces, each of which corresponds to a particular communication protocol. The commerce client module receives a payment request from the point of sale client application and directly communicates, via one of the communication protocols, an authorization and capture request with respect to the payment request to a payment gateway. Through the same communication protocol, the commerce client module receives an authorization and capture response from the payment gateway. The commerce client module also drives a POS device to execute the device agnostic payment transaction operation in accordance with the payment request and the authorization and capture response.

Abstract: A portable client and server platform system is disclosed. The present system provides the abstraction of host applications in a master host platform from clients and hosts. The abstraction allows for unique scalability and cross-platform designs for large enterprise applications. The present system allows the download of a single client application onto a client to provide expansive user functionality. The functionality of the single client application is common yet specific to requirements of the operating systems, firmware, drivers, and hardware of the clients. This architectural approach abstracts the client platforms from the host applications of the master host platform. The present system has server-side application logic and switching capabilities in the master host platform; thus, the host applications are capable of remotely controlling various client platform resources for presentation of software applications onto remote clients.

Abstract: A system and a method of electronic transactions are disclosed. The system and method allow a consumer mobile device to capture the identification of a point-of-sale device and to initialize a transaction from the consumer mobile device to a master host platform. The point-of-sale device captures purchase items following a typical tender process and provides the master host platform with detailed purchase information. The master host platform instantiates a transaction merger to combine the identification information and the detailed purchase information. The transaction merger links the specific consumer to the specific transaction at the specific point-of-sale device. Then, the master host platform sends an authorization request to a payment processing host. The master host platform provides a connection between clients: the consumer mobile device and the point-of-sale device, and establishes a common interface between the clients and the payment processing host.

Abstract: A system and a method for validation of transaction data are disclosed. A rules engine in the system and the method is used to quickly and accurately deduce whether or not a transaction is a candidate for flagging with additional identification data, and a loyalty engine is used to quickly and accurately track and manage an entity relating to a transaction. In the system and the method, through compression and optimization, separate logical rules originally built are combined into an aggregate of compressed rules shared across a plurality of validations, such that the aggregate of compressed rules in the rules engine and the loyalty engine operates in memories of computing machines hosting servers. The system creates modularity and nimbleness with an internal instancing system and a dynamic routing node to multiple active instances. The multiple active instances of the rules engine and the loyalty engine support real-time updates and thus facilitate higher uptime capacities.

Abstract: A dynamic and recursive transaction gateway system and its method are disclosed. The dynamic and recursive transaction gateway system is designed to handle financial, medical, and other types of transactional information. The dynamic and recursive transaction gateway system provides intelligence for processing transactions in all phases of the system. The dynamic and recursive transaction gateway system is empowered by introducing the protocol of Level 4 Data which are supplementary data used by the decision-making engine in the system. The dynamic and recursive transaction gateway system has a capability of generating and processing tokenized data which includes tokens for predetermined numbers of transactions, tokens for predetermined periods of time, tokens for unlimited time, and chain-bound tokens shared across locations. The dynamic and recursive transaction gateway system provides a novel approach: recursive transaction processing.