Payment processing and customer engagement platform methods, apparatuses and media

Abstract

A customer engagement device (CED) may receive a payment token associated with a transaction from a point of sale (POS) system. The CED may retrieve transaction details associated with the transaction from a gateway. The CED may prompt a customer to provide payment information for the transaction and may collect payment information from the customer. The CED may provide the payment information and may obtain a transaction authorization from the gateway. The CED may inform the POS system regarding the transaction authorization.

1 .- 135 . (canceled) 
     
     
         136 . A computer-implemented payment collection method, comprising, at a server system:
 receiving, from a point-of-sale system, transaction details associated with a first transaction;   storing the received transaction details;   associating a transaction token with the stored transaction details;   sending the transaction token to the point-of-sale system;   receiving, from a customer engagement device, a transaction details request, wherein the transaction details request includes the transaction token;   sending, to the customer engagement device, the stored transaction details associated with the transaction token;   receiving payment information for the first transaction;   determining, based on the payment information, whether payment for the first transaction is authorized; and   in accordance with a determination that payment for the first transaction is authorized, sending, to a remote device, a confirmation that payment is authorized.   
     
     
         137 . The method of  claim 136 , wherein the customer engagement device is distinct from the point-of-sale system and is communicatively coupled to the point-of-sale system. 
     
     
         138 . The method of  claim 136 , wherein the payment information for the first transaction is received from the customer engagement device. 
     
     
         139 . The method of  claim 136 , wherein the received transaction details include at least one of a customer identifier, an item identifier, an item quantity, an item price, and a total amount due. 
     
     
         140 . The method of  claim 136 , wherein determining whether payment for the first transaction is authorized includes:
 sending the payment information to a payment processor; and   receiving, from the payment processor, information indicating whether payment for the first transaction is authorized.   
     
     
         141 . The method of  claim 136 , wherein the remote device is the point-of-sale device. 
     
     
         142 . The method of  claim 136 , wherein the remote device is the customer engagement device. 
     
     
         143 . The method of  claim 137 , further comprising:
 determining a promotional profile for the customer engagement device;   selecting promotional or informational material, based at least in part on the promotional profile for the customer engagement device; and   causing the promotional or informational material to be sent to the customer engagement device.   
     
     
         144 . The method of  claim 143 , wherein the promotional or informational material is further selected based on information from the received transaction details. 
     
     
         145 . The method of  claim 143 , wherein the promotional or informational material is further selected based on a product being purchased in the first transaction. 
     
     
         146 . The method of  claim 145 , wherein the promotional or informational material includes at least one of a coupon, an advertisement, and a discount offer. 
     
     
         147 . The method of  claim 143 , wherein the promotional profile is based at least in part on stored historical transaction information associated with the customer engagement device. 
     
     
         148 . The method of  claim 137 , wherein the transaction details request includes at least one of an identifier of the customer engagement device, a location of the customer engagement device, a department identifier of the customer engagement device, and a merchant identifier of the customer engagement device. 
     
     
         149 . A non-transitory computer readable storage medium storing one or more programs, the one or more programs comprising instructions that, when executed by an electronic device, cause the electronic device to:
 receive, from a point-of-sale system, transaction details associated with a first transaction;   store the received transaction details;   associate a transaction token with the stored transaction details;   send the transaction token to the point-of-sale system;   receive, from a customer engagement device, a transaction details request, wherein the transaction details request includes the transaction token;   send, to the customer engagement device, the stored transaction details associated with the transaction token;   receive payment information for the first transaction;   determine, based on the payment information, whether payment for the first transaction is authorized; and   in accordance with a determination that payment for the first transaction is authorized, send, to a remote device, a confirmation that payment is authorized.   
     
     
         150 . The computer readable storage medium of  claim 149 , the one or more programs further comprising instructions that cause the electronic device to:
 determine a promotional profile for the customer engagement device;   select promotional or informational material based at least in part on:
 the promotional profile for the customer engagement device; and 
 information from the received transaction details; and 
   cause the promotional or informational material to be sent to the customer engagement device.   
     
     
         151 . A server system, comprising:
 one or more processors;   memory; and   one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs including instructions for:
 receiving, from a point-of-sale system, transaction details associated with a first transaction; 
 storing the received transaction details; 
 associating a transaction token with the stored transaction details; 
 sending the transaction token to the point-of-sale system; 
 receiving, from a customer engagement device, a transaction details request, wherein the transaction details request includes the transaction token; 
 sending, to the customer engagement device, the stored transaction details associated with the transaction token; 
 receiving payment information for the first transaction; 
 determining, based on the payment information, whether payment for the first transaction is authorized; and 
 in accordance with a determination that payment for the first transaction is authorized, sending, to a remote device, a confirmation that payment is authorized. 
   
     
     
         152 . The server system of  claim 151 , the one or more programs including instructions for:
 determining a promotional profile for the customer engagement device;   selecting promotional or informational material based at least in part on:
 the promotional profile for the customer engagement device; and 
 information from the received transaction details; and 
   causing the promotional or informational material to be sent to the customer engagement device.   
     
     
         153 . A computer-implemented method for selecting promotional or informational material for presentation to a customer, comprising, at a server system:
 receiving, from a transaction system associated with a merchant:
 transaction details associated with a first transaction between the merchant and a customer; and 
 an identifier of the merchant; 
   determining a promotional profile for the merchant;   selecting promotional or informational material based at least in part on the promotional profile for the merchant; and   causing the promotional or informational material to be presented to the customer.   
     
     
         154 . The method of  claim 153 , wherein the promotional or informational material is further selected based on information from the transaction details. 
     
     
         155 . The method of  claim 154 , wherein the promotional profile for the merchant is based at least in part on stored historical transaction information associated with the merchant. 
     
     
         156 . The method of  claim 154 , wherein the promotional profile for the merchant is based at least in part on products and/or services available from the merchant. 
     
     
         157 . A computer-implemented method for selecting promotional or informational material for presentation to a customer, comprising, at a server system:
 receiving, from a point-of-sale system, transaction details associated with a first transaction between a customer and a merchant;   receiving, from a customer engagement device that is communicatively coupled to the point-of-sale system:
 information identifying the customer engagement device; and 
 information associating the customer engagement device with the first transaction; 
   determining a promotional profile for the customer engagement device;   selecting promotional or informational material based at least in part on the promotional profile for the customer engagement device and information from the transaction details associated with the first transaction; and   causing the promotional or informational material to be presented on the customer engagement device.   
     
     
         158 . The method of  claim 157 , wherein the promotional or informational material is further selected based on a product being purchased in the first transaction. 
     
     
         159 . The method of  claim 158 , wherein the promotional or informational material is further selected based on products and/or services available from the merchant. 
     
     
         160 . The method of  claim 157 , wherein the promotional profile for the customer engagement device is based at least in part on stored historical transaction information associated with the customer engagement device, wherein the stored historical transaction information includes records of previous transactions performed at the customer engagement device. 
     
     
         161 . The method of  claim 160 , wherein the stored historical information includes previous transactions between the merchant and customers.