MERCHANT TRANSACTION MIRRORING FOR PERSONAL POINT OF SALE (PPOS) FOR CARD PRESENT E-COMMERCE AND IN VEHICLE TRANSACTION

MERCHANT TRANSACTION MIRRORING FOR PERSONAL POINT OF SALE (PPOS) FOR CARD PRESENT E-COMMERCE AND IN VEHICLE TRANSACTION

It is desirable for a merchant to not store customer PCI (Payment Card Industry) data in the merchant's system, because this would reduce cost and risk to the merchant. But the merchant still wants access to the customer primary account number (PAN) and other PCI data elements for customer auth...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: NUZUM, Todd Raymond, DOW, Michael
Format: Patent
Sprache:eng ; fre ; ger
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:It is desirable for a merchant to not store customer PCI (Payment Card Industry) data in the merchant's system, because this would reduce cost and risk to the merchant. But the merchant still wants access to the customer primary account number (PAN) and other PCI data elements for customer authentication, customer relationship management, etc. Therefore, this specification discloses systems and methods that allow a pPOS (personal Point of Sale) device to create a mirror of the original transaction and provide that to the merchant. Then the merchant would still have access to the customer PAN and other PCI data elements, but there are no PCI or payment data in the mirror transaction, so cost and risk are reduced for the merchant.