Abstract: Example embodiments relate to a point of sale device leveraging a payment unification service. In some examples, a system may include instructions for a seller unification gateway to receive, via a network, a transaction initiation signal from a point of sale device. The transaction initiation signal may be in response to a purchase request of a buyer that interacts with the point of sale device. The system may include instructions for the seller unification gateway to send, via a network, a transaction authorization request to a buyer unification gateway. The system may include instructions for the buyer unification gateway to receive, via a network, an authorization response from a buyer device near or in the point of sale device. The authorization response may be generated in response to the buyer interacting with the buyer device.

Abstract: Example embodiments relate to a point of sale device leveraging a payment unification service. In some examples, a system may include instructions for a seller unification gateway to receive, via a network, a transaction initiation signal from a point of sale device. The transaction initiation signal may be in response to a purchase request of a buyer that interacts with the point of sale device. The system may include instructions for the seller unification gateway to send, via a network, a transaction authorization request to a buyer unification gateway. The system may include instructions for the buyer unification gateway to receive, via a network, an authorization response from a buyer device near or in the point of sale device. The authorization response may be generated in response to the buyer interacting with the buyer device.

Abstract: Example embodiments relate to a payment unification service. In some examples, a system may include a gateway interface to communicate with multiple unification gateways respectively associated with multiple payment services. Each unification gateway may allow the associated payment service to transact with other of the payment services via their associated unification gateways. The system may include a gateway directory to store a list of trusted unification gateways. The gateway directory may receive a gateway lookup request from a first unification gateway associated with a first payment service when a transaction is to be initiated between the first payment service and a second payment service via their associated unification gateways. The gateway directory may return gateway connection information to the first unification gateway in response to the gateway lookup requests to allow the transaction to proceed.

Abstract: A method of facilitating an eCommerce transaction between a consumer and an eCommerce merchant via a third party entity is provided. The eCommerce merchant receives a selection of goods for purchase and a first code from the consumer. The eCommerce merchant transmits at least a second code to the third party entity to request confirmation of the eCommerce transaction. The second code is at least partially derived from the first code. The eCommerce merchant receives the confirmation from the third party entity. The eCommerce merchant ships the goods only if the confirmation indicates that the consumer has approved, via the third party entity, the eCommerce transaction. The merchant is unaware of financial information belonging to the consumer and at least one of identity of the consumer and a shipping data that is specific to the consumer. The eCommerce merchant receives payment for the eCommerce transaction from the third party entity.

Abstract: A method of facilitating an eCommerce transaction between a consumer and an eCommerce merchant via a third party entity is provided. The eCommerce merchant receives a selection of goods for purchase and a first code from the consumer. The eCommerce merchant transmits at least a second code to the third party entity to request confirmation of the eCommerce transaction. The second code is at least partially derived from the first code. The eCommerce merchant receives the confirmation from the third party entity. The eCommerce merchant ships the goods only if the confirmation indicates that the consumer has approved, via the third party entity, the eCommerce transaction. The merchant is unaware of financial information belonging to the consumer and at least one of identity of the consumer and a shipping data that is specific to the consumer. The eCommerce merchant receives payment for the eCommerce transaction from the third party entity.