Abstract: Systems and methods for payment processing on devices are provided. Such systems and methods enable payment processing to be completed with a peripheral device (such as a magnetic card reader) and a point of sales system, without the need for extensive developer integration. The system receives a payment charge amount from a point of sales system. The system also detects (or dynamically populates) peripheral devices that are used to capture account information. The peripheral device is a supported device type with an associated library, which includes data for properly interfacing with the peripheral device. The system provides the captured account data, a merchant ID and the amount of the charge to a payment management system. The system likewise receives a response (approve or decline) from the payment management system.

Abstract: Systems and methods for payment processing on devices are provided. Such systems and methods enable payment processing to be completed with a peripheral device (such as a magnetic card reader) and a point of sales system, without the need for extensive developer integration. The system receives a payment charge amount from a point of sales system. The system also detects (or dynamically populates) peripheral devices that are used to capture account information. The peripheral device is a supported device type with an associated library, which includes data for properly interfacing with the peripheral device. The system provides the captured account data, a merchant ID and the amount of the charge to a payment management system. The system likewise receives a response (approve or decline) from the payment management system.

Abstract: Systems and methods for payment processing on devices are provided. Such systems and methods enable payment processing to be completed with a peripheral device (such as a magnetic card reader) and a point of sales system, without the need for extensive developer integration. The system receives a payment charge amount from a point of sales system. The system also detects (or dynamically populates) peripheral devices that are used to capture account information. The peripheral device is a supported device type with an associated library, which includes data for properly interfacing with the peripheral device. The system provides the captured account data, a merchant ID and the amount of the charge to a payment management system. The system likewise receives a response (approve or decline) from the payment management system.

Abstract: A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

Abstract: Systems and methods for payment processing on devices are provided. Such systems and methods enable payment processing to be completed with a peripheral device (such as a magnetic card reader) and a point of sales system, without the need for extensive developer integration. The system receives a payment charge amount from a point of sales system. The system also detects (or dynamically populates) peripheral devices that are used to capture account information. The peripheral device is a supported device type with an associated library, which includes data for properly interfacing with the peripheral device. The system provides the captured account data, a merchant ID and the amount of the charge to a payment management system. The system likewise receives a response (approve or decline) from the payment management system.

Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

Abstract: A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.