公开(公告)号：US20190005499A1

公开(公告)日：2019-01-03

申请号：US15997416

申请日：2018-06-04

Applicant: Stripe, Inc.

Inventor： Jonathan WALL ,  Ross FAVERO ,  Eric Nelson GLASS

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/20

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.