Systems and methods for payment processing on platforms

Abstract

Systems and methods for payment processing on devices are provided. Such systems and methods enable payment processing to be completed with a peripheral device (such as a magnetic card reader) and a point of sales system, without the need for extensive developer integration. The system receives a payment charge amount from a point of sales system. The system also detects (or dynamically populates) peripheral devices that are used to capture account information. The peripheral device is a supported device type with an associated library, which includes data for properly interfacing with the peripheral device. The system provides the captured account data, a merchant ID and the amount of the charge to a payment management system. The system likewise receives a response (approve or decline) from the payment management system.

1 - 20 . (canceled) 
     
     
         21 . A computer-implemented method for electronic transaction type and peripheral device integration, the method comprising:
 activating, on a mobile device, an application platform associated with an electronic transaction interface system;   presenting, on the application platform, a point of sale (POS) interface containing a list of a plurality of products;   detecting, on the POS interface, selection of at least one product of the plurality of products in the list;   launching, subsequent to the detecting, a payment processing interface that displays an electronic transaction amount for the at least one product;   receiving, at the payment processing interface, a selection of an electronic transaction type to facilitate payment for the electronic transaction amount;   detecting, via the payment processing interface, connection of a peripheral device to the mobile device, wherein the peripheral device is configured to interface with a payment vehicle associated with the selected electronic transaction type to collect transaction information;   querying, in response to determining that a library entry comprising data utilized by the payment processing interface to interface with the peripheral device is not present, a payment management system for the library entry;   receiving, in response to the querying and from the payment management system, an update containing the library entry; and   interfacing, by the payment processing interface system and using the update containing the library entry, with the peripheral device in accordance with the selected electronic transaction type.   
     
     
         22 . The computer-implemented method of  claim 21 , wherein the peripheral device comprises one of: a magnetic card reader, a smart card reader, an optical reader, a biometric reader, an e-wallet interface. 
     
     
         23 . The computer-implemented method of  claim 21 , wherein the payment processing interface leverages a second library entry associated with the selected electronic transaction type. 
     
     
         24 . The computer-implemented method of  claim 21 , further comprising receiving, at the application platform, an indication to facilitate a transaction distribution. 
     
     
         25 . The computer-implemented method of  claim 24 , wherein the transaction distribution is one of: a refund distribution or an awards distribution. 
     
     
         26 . The computer-implemented method of  claim 24 , further comprising:
 inputting, at the payment processing interface, a distribution value;   detecting, at the payment processing interface, selection of a distribution electronic transaction type; and   facilitating performance of the transaction distribution, via interaction with the payment management system, using the selected distribution electronic transaction type.   
     
     
         27 . The computer-implemented method of  claim 26 , wherein the payment processing interface leverages a third library entry associated with the selected distribution electronic transaction type to facilitate performance of the transaction distribution. 
     
     
         28 . A system for electronic transaction type and peripheral device integration, the system comprising:
 one or more processors;   a data storage storing instructions which, when executed by the one or more processors, cause the one or more processors to perform a method comprising:   activating, on a mobile device, an application platform associated with an electronic transaction interface system;   presenting, on the application platform, a point of sale (POS) interface containing a list of a plurality of products;   detecting, on the POS interface, selection of at least one product of the plurality of products in the list;   launching, subsequent to the detecting, a payment processing interface that displays an electronic transaction amount for the at least one product;   receiving, at the payment processing interface, a selection of an electronic transaction type to facilitate payment for the electronic transaction amount;   detecting, via the payment processing interface, connection of a peripheral device to the mobile device, wherein the peripheral device is configured to interface with a payment vehicle associated with the selected electronic transaction type to collect transaction information;   querying, in response to determining that a library entry comprising data utilized by the payment processing interface to interface with the peripheral device is not present, a payment management system for the library entry;   receiving, in response to the querying and from the payment management system, an update containing the library entry; and   interfacing, by the payment processing interface system and using the update containing the library entry, with the peripheral device in accordance with the selected electronic transaction type.   
     
     
         29 . The system of  claim 28 , wherein the peripheral device comprises one of: a magnetic card reader, a smart card reader, an optical reader, a biometric reader, an e-wallet interface. 
     
     
         30 . The system of  claim 28 , wherein the payment processing interface leverages a second library entry associated with the selected electronic transaction type. 
     
     
         31 . The system of  claim 28 , further comprising receiving, at the application platform, an indication to facilitate a transaction distribution. 
     
     
         32 . The system of  claim 31 , wherein the transaction distribution is one of: a refund distribution or an awards distribution. 
     
     
         33 . The system of  claim 31 , further comprising:
 inputting, at the payment processing interface, a distribution value;   detecting, at the payment processing interface, selection of a distribution electronic transaction type; and   facilitating performance of the transaction distribution, via interaction with the payment management system, using the selected distribution electronic transaction type.   
     
     
         34 . The system of  claim 28 , wherein the payment processing interface leverages a third library entry associated with the selected distribution electronic transaction type to facilitate performance of the transaction distribution. 
     
     
         35 . A non-transitory computer readable medium for electronic transaction type and peripheral device integration, the non-transitory computer readable medium comprising instruction which, when executed by one or more processors, cause the one or more processors to perform a method comprising:
 presenting, on the application platform, a point of sale (POS) interface containing a list of a plurality of products;   detecting, on the POS interface, selection of at least one product of the plurality of products in the list;   launching, subsequent to the detecting, a payment processing interface that displays an electronic transaction amount for the at least one product;   receiving, at the payment processing interface, a selection of an electronic transaction type to facilitate payment for the electronic transaction amount;   detecting, via the payment processing interface, connection of a peripheral device to the mobile device, wherein the peripheral device is configured to interface with a payment vehicle associated with the selected electronic transaction type to collect transaction information;   querying, in response to determining that a library entry comprising data utilized by the payment processing interface to interface with the peripheral device is not present, a payment management system for the library entry;   receiving, in response to the querying and from the payment management system, an update containing the library entry; and   interfacing, by the payment processing interface system and using the update containing the library entry, with the peripheral device in accordance with the selected electronic transaction type.   
     
     
         36 . The non-transitory computer readable medium of  claim 35 , wherein the payment processing interface leverages a second library entry associated with the selected electronic transaction type. 
     
     
         37 . The non-transitory computer readable medium of  claim 35 , further comprising receiving, at the application platform, an indication to facilitate a transaction distribution. 
     
     
         38 . The non-transitory computer readable medium of  claim 37 , wherein the transaction distribution is one of: a refund distribution or an awards distribution. 
     
     
         39 . The non-transitory computer readable medium of  claim 37 , further comprising:
 inputting, at the payment processing interface, a distribution value;   detecting, at the payment processing interface, selection of a distribution electronic transaction type; and   facilitating performance of the transaction distribution, via interaction with the payment management system, using the selected distribution electronic transaction type.   
     
     
         40 . The non-transitory computer readable medium of  claim 39 , wherein the payment processing interface leverages a third library entry associated with the selected distribution electronic transaction type to facilitate performance of the transaction distribution.