Abstract: A system and an arrangement that process payment requests received from a number of distinct data communication devices via respective communications channels and consistent with different communications protocols. In an example embodiment, a payment processing system includes a plurality of data communications devices that transmit a plurality of payment requests in connection with purchases via respective communication channels. Each transmitted payment request includes a merchant identification code and a set of customer financial account data. The system further includes a payment server arrangement that receives the payment requests from the data communications devices at the respective channels via a plurality of adapter modules corresponding to each of the communication channels. Each of the adapter modules includes a payment processing application that identifies a financial institution identification code associated with the merchant identification code.

Abstract: A method and a system for using an electronic funds transaction point of sale (EFTPOS) payment system to provide products and services to a point of sale location without compromising the security of payment processing by the EFTPOS payment system. In one example embodiment, the EFTPOS terminal arrangement is coupled to a first vendor data processing system (DPS) hosting a first application and is coupled to a financial institution DPS hosting a second application, wherein the terminal arrangement hosts one or more payment applications and one or more non-payment applications. The method includes accessing the first application at the first vendor DPS via the non-payment application of the EFTPOS terminal arrangement and selecting a product via the non-payment application and offered by the first application on the first vendor DPS.

Abstract: A system and an arrangement that process payment requests received from a number of distinct data communication devices via respective communications channels and consistent with different communications protocols. In an example embodiment, a payment processing system includes a plurality of data communications devices that transmit a plurality of payment requests in connection with purchases via respective communication channels. Each transmitted payment request includes a merchant identification code and a set of customer financial account data. The system further includes a payment server arrangement that receives the payment requests from the data communications devices at the respective channels via a plurality of adapter modules corresponding to each of the communication channels. Each of the adapter modules includes a payment processing application that identifies a financial institution identification code associated with the merchant identification code.

Abstract: The present system and method involves a multi-application terminal that comprises a memory for storing a plurality of payment and non-payment applications, a memory management unit for separating said applications in said memory. This permits said non-payment applications to exist side-by-side with said payment application without requiring additional certification. The multi-application terminal also comprises a processor for executing one or more applications, said memory management unit operable to assign a protected region within said memory to each application being executed by said processor. Said payment applications are operable to provide payment related services over a secured financial network and said non-payment applications operable are to provide non-payment related services over an open network.

Abstract: A system and method for enabling a merchant to connect electronically to the customer, specifically the customer's portable digital appliance, from the merchant's point of sale (POS) terminal, thereby providing “last meter connectivity”. That is, the consumer can synchronize or download data onto (or off of) his/her portable appliance from (to) any public device, such as the POS terminal.

Abstract: A method and an arrangement for providing products and services to current electronic funds transaction point of sale (EFTPOS) terminals without compromising the security of payment processing nor having to replace all of the EFTPOS terminals in the EFTPOS system. In one example embodiment, an electronic finds transaction point of sale (EFTPOS) arrangement is configured and arranged for communication via a first secure channel with a financial application hosted by a data processing system of a financial institution. The arrangement is also configured for communication via a second non-secure channel with a vendor application hosted by a data processing system of a vendor and is coupled to a plurality of EFTPOS terminals. The EFTPOS arrangement includes a proxy server configured and arranged to be coupled to the plurality of EFTPOS terminals and to receive sets of data from the vendor application via the non-secure channel.

Abstract: The present invention is directed to a system and method which provide authentication for electronic transactions. The present invention involves inputting smart card information from a smart card into a payment enabled device and inputting an identification number into the payment enabled device. The smart card information and the identification number are then authenticated. Payment information is then sent from a server to a desired location after authenticating the smart card information and identification number.

Abstract: A method for conducting POS transactions with a cellular POS device while remotely located from a merchant location or from a payment authorizing data processing system (DPS). In one example embodiment, a cellular telephone point-of-sale device includes a mobile cellular telephone having a housing for an integrated display, keypad and communications unit. The communications unit includes a communications processor arrangement, a card reading device configured and arranged to receive customer-specific financial account data from a customer identification card and an application specific circuit arrangement coupled to the card reading device. The processor arrangement is adapted to be programmed to verify the integrity of a sales transaction using the customer-specific financial account data.

Abstract: A method and a system for using an electronic funds transaction point of sale (EFTPOS) payment system to provide products and services to a point of sale location without compromising the security of payment processing by the EFTPOS payment system. In one example embodiment, the EFTPOS terminal arrangement is coupled to a first vendor data processing system (DPS) hosting a first application and is coupled to a financial institution DPS hosting a second application, wherein the terminal arrangement hosts one or more payment applications and one or more non-payment applications. The method includes accessing the first application at the first vendor DPS via the non-payment application of the EFTPOS terminal arrangement and selecting a product via the non-payment application and offered by the first application on the first vendor DPS.