System, method and computer program product for customizing point-of-sale terminal functionality

Abstract

Systems, methods, and computer program products for customizing functionality of a point of sale (POS) terminal are described. A method includes receiving payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant. The method also includes receiving at least one script from the electronic payment device for execution on the POS terminal. The at least one script is associated with a digital signature. The method further includes verifying the at least one script based on the digital signature of the at least one script, and executing the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is performed.

Description

[0001] Cross-reference to related applications

[0002] This application claims priority to U.S. Patent Application No. 16 / 240,948, filed on January 7, 2019, entitled “System, Method, and Computer Program Product for Customizing Functions of a Point-of-Sale Terminal,” the entire disclosure of which is incorporated by reference. Technical Field

[0003] The disclosed embodiments or aspects relate generally to computer user interfaces and, in some non-limiting embodiments or aspects, to systems, methods, and computer program products for customizing point-of-sale ("POS") terminal functionality of user interfaces and to user interaction. Background Art

[0004] Traditionally, customization of POS terminals (e.g., computing devices configured to interface with payment devices to complete transactions between users and merchants) is an inefficient and laborious task. For example, POS terminals may allow for customization of displayed text in the language preferred by the card user. However, in order to add support for displaying text in a new language, since a user may visit any POS terminal in a region to complete a transaction, all POS terminals in the region must update their software. Similarly, if a banking institution wishes to integrate a reward program for a user when they check out, it must pre-establish programmed functions for all POS terminals in the region so that the program is fully operational. Therefore, there is a huge inefficiency in changing or customizing POS terminal functions (e.g., payment process, reward process, text size and style, sound settings, personal information collection type, customized advertising, security settings, etc.).

[0005] In addition, a region may have many different types of POS terminals deployed, and different POS terminal vendors control their own POS terminal interfaces and the processes that users will encounter. Unless each POS terminal vendor updates its POS terminals accordingly, it is unlikely that users will encounter the same customized functions for each POS terminal. As a result, full user customization of POS terminal functions faces huge technical barriers.

[0006] Therefore, there is a need in the art for a technical solution that provides customized functions for POS terminals without the need to update or pre-program the POS terminals. Summary of the invention

[0007] Therefore and generally, improved systems, methods, and computer program products for customizing the functionality of a point of sale (POS) terminal are provided. Preferably, a system, method, and computer program product are provided for receiving payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant. Preferably, a system, method, and computer program product are provided for receiving at least one script for execution on the POS terminal from the electronic payment device, the script being associated with a digital signature. Preferably, a system, method, and computer program product are provided for verifying the script based on the digital signature. Preferably, a system, method, and computer program product are provided for executing the script on the POS terminal so that an action associated with a user interacting with the POS terminal is performed.

[0008] According to some non-limiting embodiments or aspects, a computer-implemented method for customizing the functionality of a POS terminal is provided. The method includes using at least one processor to receive payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant. The method also includes using at least one processor to receive at least one script for execution on the POS terminal from the electronic payment device, the at least one script being associated with a digital signature. The method further includes using at least one processor to verify the at least one script based on the digital signature of the at least one script. The method further includes using at least one processor to execute the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is implemented.

[0009] In some non-limiting embodiments or aspects, the method may include receiving from the electronic payment device a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit. The method may also include comparing the first set of identifiers of scripts with a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute. The method may further include transmitting to the electronic payment device at least one identifier of a script that is common to both the first set and the second set. The at least one script received from the electronic payment device may correspond to at least one payment device identifier of the electronic payment device included in the payment device data.

[0010] In some non-limiting embodiments or aspects, the method may include implementing a transaction authorization process for processing the payment transaction between the user and the merchant. The method may also include displaying at least one message based on executing the at least one script, the at least one message including at least one instruction to complete the payment transaction between the user and the merchant using the POS terminal. The at least one instruction may be in a language specified by the at least one script received from the electronic payment device, and the language may be different from a default language of the POS terminal.

[0011] In some non-limiting embodiments or aspects, the method may include transmitting, based on executing the at least one script, a payment device identifier of the electronic payment device and transaction data associated with the payment transaction between the user and the merchant to a third-party server. The method may also include receiving transaction reward data from the third-party server based on the transaction data. The method may further include displaying a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments. The method may further include transmitting a transaction authorization request to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option.

[0012] In some non-limiting embodiments or aspects, receiving the payment device data may include receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

[0013] In some non-limiting embodiments or aspects, when executing the at least one script, the at least one processor may be configured to cause the POS terminal to: (i) display at least one message; (ii) display at least one image; (iii) display at least one animation or at least one video; (iv) play at least one audio sequence; (v) display a user interface including at least one user option for selection; (vi) display at least one user data input field; (vii) transmit data to a third-party server; (viii) receive data from a third-party server; or any combination thereof.

[0014] According to some non-limiting embodiments or aspects, a system for customizing the functionality of a POS terminal is provided. The system includes the POS terminal, which includes at least one processor for executing program instructions. The POS terminal is programmed and / or configured to receive payment device data from the user's electronic payment device during a payment transaction between a user and a merchant. The POS terminal is also programmed and / or configured to receive at least one script for execution on the POS terminal from the electronic payment device, the at least one script being associated with a digital signature. The POS terminal is further programmed and / or configured to verify the at least one script based on the digital signature of the at least one script. The POS terminal is further programmed and / or configured to execute the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is implemented.

[0015] In some non-limiting embodiments or aspects, the POS terminal may be programmed and / or configured to receive a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit. The POS terminal may also be programmed and / or configured to compare the first set of identifiers of scripts with a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute. The POS terminal may further be programmed and / or configured to transmit to the electronic payment device at least one identifier of a script that is common to both the first set and the second set. The at least one script received from the electronic payment device may correspond to at least one payment device identifier of the electronic payment device included in the payment device data.

[0016] In some non-limiting embodiments or aspects, the POS terminal may be programmed and / or configured to implement a transaction authorization process for processing the payment transaction between the user and the merchant. The POS terminal may also be programmed and / or configured to transmit the payment device identifier of the electronic payment device and transaction data associated with the payment transaction between the user and the merchant to a third-party server based on executing the at least one script. The POS terminal may further be programmed and / or configured to receive transaction reward data from the third-party server based on the transaction data.

[0017] In some non-limiting embodiments or aspects, the POS terminal may be programmed and / or configured to display a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments. The POS terminal may be programmed and / or configured to transmit a transaction authorization request to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option.

[0018] In some non-limiting embodiments or aspects, receiving the payment device data may include receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

[0019] In some non-limiting embodiments or aspects, when executing the at least one script, the at least one processor may be configured to cause the POS terminal to: (i) display at least one message; (ii) display at least one image; (iii) display at least one animation or at least one video; (iv) play at least one audio sequence; (v) display a user interface including at least one user option for selection; (vi) display at least one user data input field; (vii) transmit data to a third-party server; (viii) receive data from a third-party server; or any combination thereof.

[0020] According to some non-limiting embodiments or aspects, a computer program product for customizing the functionality of a POS terminal is provided. The computer program product includes at least one non-transient computer-readable medium, and the at least one non-transient computer-readable medium includes program instructions. The program instructions, when executed by at least one processor, cause the at least one processor to receive payment device data from the electronic payment device of the user during a payment transaction between the user and the merchant. The program instructions also cause the at least one processor to receive at least one script for execution on the POS terminal from the electronic payment device, the at least one script being associated with a digital signature. The program instructions further cause the at least one processor to verify the at least one script based on the digital signature of the at least one script. The program instructions also cause the at least one processor to execute the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is implemented.

[0021] In some non-limiting embodiments or aspects, the program instructions may cause the at least one processor to receive a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit. The program instructions may also cause the at least one processor to compare the first set of identifiers of scripts with a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute. The program instructions may further cause the at least one processor to transmit to the electronic payment device at least one identifier of a script that is common to both the first set and the second set. The at least one script received from the electronic payment device may correspond to at least one payment device identifier of the electronic payment device included in the payment device data.

[0022] In some non-limiting embodiments or aspects, the program instructions may cause the at least one processor to implement a transaction authorization process for processing the payment transaction between the user and the merchant. The program instructions may also cause the at least one processor to transmit a payment device identifier of the electronic payment device and transaction data associated with the payment transaction between the user and the merchant to a third-party server based on executing the at least one script. The program instructions may further cause the at least one processor to receive transaction reward data from the third-party server based on the transaction data.

[0023] In some non-limiting embodiments or aspects, the program instructions may cause the at least one processor to display a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments. The program instructions may further cause the at least one processor to transmit a transaction authorization request to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option.

[0024] In some non-limiting embodiments or aspects, receiving the payment device data may include receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

[0025] In some non-limiting embodiments or aspects, when executing the at least one script, the at least one processor may be configured to cause the POS terminal to: (i) display at least one message; (ii) display at least one image; (iii) display at least one animation or at least one video; (iv) play at least one audio sequence; (v) display a user interface including at least one user option for selection; (vi) display at least one user data input field; (vii) transmit data to a third-party server; (viii) receive data from a third-party server; or any combination thereof.

[0026] Other non-limiting embodiments or aspects of the present disclosure are set forth in the following numbered clauses:

[0027] Clause 1: A computer-implemented method for customizing functionality of a point-of-sale (POS) terminal, the method comprising: using at least one processor to receive payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant; using at least one processor to receive at least one script for execution on the POS terminal from the electronic payment device, the at least one script being associated with a digital signature; using at least one processor to verify the at least one script based on the digital signature of the at least one script; and using at least one processor to execute the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is performed.

[0028] Clause 2: The method according to Clause 1 further includes: receiving a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit from the electronic payment device; comparing the first set of identifiers of scripts with a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute; and transmitting to the electronic payment device at least one identifier of a script that is common to both the first set and the second set; wherein the at least one script received from the electronic payment device corresponds to at least one payment device identifier of the electronic payment device included in the payment device data.

[0029] Clause 3: The method according to clause 1 or 2 further comprises implementing a transaction authorization process for processing the payment transaction between the user and the merchant.

[0030] Clause 4: The method according to any one of clauses 1 to 3 further comprises: based on executing the at least one script, displaying at least one message, the at least one message comprising at least one instruction for using the POS terminal to complete the payment transaction between the user and the merchant; wherein the at least one instruction adopts a language specified by the at least one script received from the electronic payment device, and the language is different from the default language of the POS terminal.

[0031] Clause 5: The method according to any one of clauses 1 to 4 further includes: based on executing the at least one script, transmitting the payment device identifier of the electronic payment device and the transaction data associated with the payment transaction between the user and the merchant to a third-party server; and receiving transaction reward data from the third-party server based on the transaction data.

[0032] Clause 6: The method according to any one of clauses 1 to 5 further includes: displaying a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments; and transmitting a transaction authorization request to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option.

[0033] Clause 7: The method of any one of clauses 1 to 6, wherein receiving the payment device data comprises receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

[0034] Clause 8: A method according to any one of clauses 1 to 7, wherein when executing the at least one script, at least one processor is configured to cause the POS terminal to: display at least one message; display at least one image; display at least one animation or at least one video; play at least one audio sequence; display a user interface including at least one user option for selection; display at least one user data input field; transmit data to a third-party server; receive data from a third-party server; or any combination thereof.

[0035] Clause 9: A system for customizing the functionality of a point-of-sale (POS) terminal, the system comprising the POS terminal, the POS terminal comprising at least one processor for executing program instructions, the POS terminal being programmed and / or configured to: receive payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant; receive at least one script for execution on the POS terminal from the electronic payment device; and based on verifying the at least one script, execute the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is implemented.

[0036] Clause 10: A system according to clause 9, wherein the POS terminal is further programmed and / or configured to: receive a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit; compare the first set of identifiers of scripts with a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute; and transmit to the electronic payment device at least one identifier of a script that is common to both the first set and the second set; wherein the at least one script received from the electronic payment device corresponds to at least one payment device identifier of the electronic payment device included in the payment device data.

[0037] Clause 11: A system according to clause 9 or 10, wherein the POS terminal is further programmed and / or configured to: implement a transaction authorization process for processing the payment transaction between the user and the merchant; based on executing the at least one script, transmit the payment device identifier of the electronic payment device and the transaction data associated with the payment transaction between the user and the merchant to a third-party server; and receive transaction reward data from the third-party server based on the transaction data.

[0038] Clause 12: A system according to any one of clauses 9 to 11, wherein the POS terminal is further programmed and / or configured to: display a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments; and transmit a transaction authorization request to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option.

[0039] Clause 13: The system of any one of clauses 9 to 12, wherein receiving the payment device data comprises receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

[0040] Clause 14: A system according to any one of clauses 9 to 13, wherein when executing the at least one script, the at least one processor is configured to cause the POS terminal to: display at least one message; display at least one image; display at least one animation or at least one video; play at least one audio sequence; display a user interface including at least one user option for selection; display at least one user data input field; transmit data to a third-party server; receive data from a third-party server; or any combination thereof.

[0041] Clause 15: A computer program product for customizing functionality of a point of sale (POS) terminal, the computer program product comprising at least one non-transitory computer-readable medium, the at least one non-transitory computer-readable medium comprising one or more instructions that, when executed by at least one processor, cause the at least one processor to: receive payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant; receive at least one script for execution on the POS terminal from the electronic payment device; validate the at least one script; and execute the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is implemented.

[0042] Clause 16: A computer program product according to clause 15, wherein the program instructions further cause the at least one processor to: receive a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit; compare the first set of identifiers of scripts with a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute; and transmit to the electronic payment device at least one identifier of a script that is common to both the first set and the second set; wherein the at least one script received from the electronic payment device corresponds to at least one payment device identifier of the electronic payment device included in the payment device data.

[0043] Clause 17: A computer program product according to clause 15 or 16, wherein the program instructions further cause the at least one processor to: implement a transaction authorization process for processing the payment transaction between the user and the merchant; based on executing the at least one script, transmit the payment device identifier of the electronic payment device and the transaction data associated with the payment transaction between the user and the merchant to a third-party server; and receive transaction reward data from the third-party server based on the transaction data.

[0044] Clause 18: A computer program product according to any one of clauses 15 to 17, wherein the program instructions further cause the at least one processor to: display a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments; and transmit a transaction authorization request to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option.

[0045] Clause 19: The computer program product of any one of clauses 15 to 18, wherein receiving the payment device data comprises receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

[0046] Clause 20: A computer program product according to any one of clauses 15 to 19, wherein when executing the at least one script, the at least one processor is configured to cause the POS terminal to: display at least one message; display at least one image; display at least one animation or at least one video; play at least one audio sequence; display a user interface including at least one user option for selection; display at least one user data input field; transmit data to a third-party server; receive data from a third-party server; or any combination thereof.

[0047] These and other features and characteristics of the present disclosure, as well as methods of operation and functions of combinations of related structural elements and parts and economies of manufacture, will become more apparent when considering the following description and the appended claims with reference to the accompanying drawings, all of which form a part of this specification, wherein like reference numerals indicate corresponding parts in the various figures. However, it should be expressly understood that the drawings are for illustration and description purposes only and are not intended to be used as definitions of limitations of the present disclosure. Unless the context clearly dictates otherwise, when used in this specification and claims, the singular forms "a", "an", and "the" include plural referents. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] Additional advantages and details of the present disclosure are explained in more detail below with reference to exemplary embodiments illustrated in the accompanying drawings, in which:

[0049] Figure 1 is a schematic diagram of one embodiment or aspect of a system for customizing functionality of a point of sale (POS) terminal;

[0050] Figure 2 is a process diagram of one embodiment or aspect of a system for customizing functionality of a point of sale (POS) terminal;

[0051] Figure 3 is a process diagram of one embodiment or aspect of a system for customizing functionality of a point of sale (POS) terminal; and

[0052] Figure 4 is a process diagram of one embodiment or aspect of a system for customizing functionality of a point of sale (POS) terminal. DETAILED DESCRIPTION

[0053] For the purposes of the following description, the terms "end," "upper," "lower," "right," "left," "vertical," "horizontal," "top," "bottom," "lateral," "longitudinal," and their derivatives shall relate to the orientation of the embodiments in the accompanying drawings. However, it shall be understood that the illustrated embodiments shall not be construed as limiting, and that various alternative variations and step sequences may be employed, except where expressly specified to the contrary. It shall also be understood that the specific devices and processes illustrated in the accompanying drawings and described in the following description are merely exemplary embodiments or aspects of the present disclosure. Accordingly, specific dimensions and other physical characteristics associated with the embodiments or aspects of the embodiments disclosed herein shall not be considered limiting unless otherwise indicated.

[0054] Aspects, components, elements, structures, actions, steps, functions, instructions and / or the like used herein should not be understood as critical or necessary unless explicitly described as such. Also, as used herein, the article "one" is intended to include one or more items, and can be used interchangeably with "one or more" and "at least one". In addition, as used herein, the term "set" is intended to include one or more items (e.g., related items, unrelated items, a combination of related items and unrelated items, etc.), and can be used interchangeably with "one or more" or "at least one". In the case of wishing only one item, the term "one" or similar language is used. Also, as used herein, the term "having" and the like are intended to be open terms. In addition, unless otherwise explicitly stated, the phrase "based on" is intended to mean "based at least in part on".

[0055] Some non-limiting embodiments associated with thresholds are described herein. As used herein, satisfying a threshold may refer to a value being greater than a threshold, more than a threshold, above a threshold, greater than or equal to a threshold, less than a threshold, less than a threshold, below a threshold, less than or equal to a threshold, equal to a threshold, etc.

[0056] As used herein, the term "communication" may refer to the reception, acceptance, transmission, delivery, provision, etc. of information (e.g., data, signals, messages, instructions, commands, etc.). For example, a unit (e.g., a device, a system, a component of a device or system, a combination thereof, etc.) communicating with another unit means that the unit is able to directly or indirectly receive information from the other unit and / or transmit information to the other unit. Even if the information may be modified, processed, forwarded and / or routed between one unit and another unit, the unit may communicate with the other unit. In one example, the first unit may communicate with the second unit even if the first unit receives information and does not transmit the information to the second unit. As another example, if an intermediate unit (e.g., a third unit located between the first unit and the second unit) receives information from the first unit, processes the information received from the first unit to generate processed information, and transmits the processed information to the second unit, the first unit may communicate with the second unit. In some non-limiting embodiments, a message may refer to a packet (e.g., a data packet, a network packet, etc.) including data.

[0057] As used herein, the term "transaction service provider" may refer to an entity that receives transaction authorization requests from merchants or other entities and, in some cases, provides payment assurance through an agreement between the transaction service provider and the issuer. For example, a transaction service provider may include a payment network, such as American or any other entity that processes transactions. As used herein, a "transaction service provider system" may refer to one or more systems operated by or on behalf of a transaction service provider, such as a transaction service provider system that executes one or more software applications associated with a transaction service provider. In some non-limiting embodiments, a transaction service provider system may include one or more servers operated by or on behalf of a transaction service provider.

[0058] As used herein, the term "issuer" may refer to one or more entities that provide one or more accounts (e.g., credit accounts, debit accounts, credit card accounts, debit card accounts, etc.) to a user (e.g., a customer, a consumer, etc.) to conduct a transaction (e.g., a payment transaction). For example, an issuer may provide an account identifier such as a primary account number (PAN) to a user, which uniquely identifies one or more accounts associated with the user. The user may use the account identifier to conduct a payment transaction. In some non-limiting embodiments, the issuer may be associated with a bank identification number (BIN) that uniquely identifies the issuer. As used herein, an "issuer system" may refer to one or more systems operated by or on behalf of an issuer. For example, an issuer system may refer to a server that executes one or more software applications associated with an issuer. In some non-limiting embodiments, the issuer system may include one or more servers (e.g., one or more authorization servers) for authorizing payment transactions.

[0059] As used herein, the term "merchant" may refer to an individual or entity that provides goods and / or services or access to goods and / or services to a customer based on a transaction such as a payment transaction. The term "merchant" or "merchant system" may also refer to one or more computer systems operated by or on behalf of a merchant, such as a server computer that executes one or more software applications. As used herein, the term "point of sale system," "POS system," or "POS terminal" may refer to one or more computers and / or peripheral devices used by a merchant to participate in a payment transaction with a customer, including one or more card readers, near field communication (NFC) receivers, radio frequency identification (RFID) receivers, and / or other contactless transceivers or receivers, contact-based receivers, payment terminals, computers, servers, input devices, and / or other similar devices that can be used to initiate a payment transaction. The POS terminal may be located close to the user, such as at a physical store location, or the POS terminal may be away from the user, such as a server that interacts with a user browsing on its personal computer. The POS terminal may include a mobile device.

[0060] As used herein, the term "account identifier" may refer to one or more types of identifiers associated with a user account (e.g., account unique identifier, account number, PAN, card number, payment card number, token, etc.). In some non-limiting embodiments, an issuer may provide an account identifier to a user, the account identifier uniquely identifying one or more accounts associated with the user. In some non-limiting embodiments, the account identifier may be embodied on a payment device (e.g., a payment card, credit card, debit card, etc.), and / or may be an electronic message transmitted to a user, which the user may use to conduct an electronic payment transaction. In some non-limiting embodiments, the account identifier may be an original account identifier, wherein the original account identifier is provided to the user when the account associated with the account identifier is created. In some non-limiting embodiments, the account identifier may be an account identifier provided to the user after the original account identifier is provided to the user (e.g., a supplemental account identifier). For example, if the original account identifier is forgotten by the user, stolen from the user, etc., the supplemental account identifier may be provided to the user. In some non-limiting embodiments, the account identifier may be directly or indirectly associated with the issuer, such that the account identifier may be a token mapped to a PAN or other type of identifier. An account identifier may be any combination of alphanumeric characters, symbols, and / or the like.

[0061] As used herein, the term "account token" may refer to an identifier used as a substitute or replacement identifier for an account identifier (e.g., PAN). An account token may be used as a substitute or replacement identifier for an original account identifier such as PAN. An account token may be associated with a PAN or other original account identifier in one or more data structures (e.g., one or more databases, etc.) so that the account token can be used to conduct transactions without directly using the original account identifier. In some non-limiting embodiments, an original account identifier such as PAN may be associated with multiple account tokens for different individuals or purposes. In some non-limiting embodiments, an account token may be associated with a PAN or other account identifier in one or more data structures so that the account token can be used to conduct transactions without directly using an account identifier such as PAN. In some instances, an original account identifier such as PAN may be associated with multiple account tokens for different uses or purposes.

[0062] As used herein, the term "computing device" may refer to one or more electronic devices including one or more processors. A computing device may be a stationary computer or a mobile device. As an example, a mobile device may include a cellular phone (e.g., a smart phone or a standard cellular phone), a portable computer, a wearable device (e.g., a watch, glasses, lenses, clothing, etc.), a personal digital assistant (PDA), and / or other similar devices. A computing device may also include components for sending, receiving, and / or processing data, such as, but not limited to, a memory, a display device, an input device, a network interface, etc.

[0063] As used herein, the term "payment device" may refer to a payment device, an electronic payment device, a portable financial device, a payment card such as a credit card, a debit card, a charge card, a gift card, a payroll card, etc., associated with an account identifier of a payment account. In some non-limiting embodiments or aspects, the payment device may include an electronic payment device such as a smart card, a chip card, an integrated circuit card, etc. The electronic payment device may include an embedded integrated circuit, and the embedded integrated circuit may include a data storage medium (e.g., volatile and / or non-volatile memory) to store information associated with the payment device, such as an account identifier, an account holder name, etc.

[0064] As used herein, the term "server" may refer to or include one or more processors or computers, storage devices, or similar computer arrangements that are operated by or facilitate communication and processing by multiple parties in a network environment such as the Internet, but it should be understood that communication can be facilitated through one or more public or private network environments, and various other arrangements are possible. As used herein, references to "server" or "processor" may refer to previously described servers and / or processors, different servers and / or processors, and / or combinations of servers and / or processors stated as implementing a previous step or function. For example, as used in the specification and claims, a first server and / or first processor stated as implementing a first step or function may refer to the same or different servers and / or processors stated as implementing a second step or function.

[0065] As used herein, the term "system" may refer to one or more devices, such as one or more processors, servers, and computing devices including software applications, etc.

[0066] As used herein, the term "mobile device" may refer to one or more portable electronic devices configured to communicate with one or more networks. As an example, a mobile device may include a cellular phone (e.g., a smart phone or a standard cellular phone), a portable computer (e.g., a tablet computer, a laptop computer, etc.), a wearable device (e.g., a watch, glasses, lenses, clothing, etc.), a (PDA), and / or other similar devices. As used herein, the term "client device" refers to any electronic device configured to communicate with one or more servers or remote devices and / or systems. Client devices may include mobile devices, network-enabled appliances (e.g., network-enabled televisions, refrigerators, thermostats, etc.), computers, POS systems, and / or any other device or system capable of communicating with a network. Client devices may further include desktop computers, laptop computers, mobile computers (e.g., smart phones), wearable computers (e.g., watches, glasses, lenses, clothing, and / or the like), cellular phones, network-enabled appliances (e.g., network-enabled televisions, refrigerators, thermostats, and / or the like), point-of-sale (POS) systems, and / or any other device, system, and / or software application configured to communicate with a remote device or system.

[0067] Non-limiting embodiments or aspects of the present disclosure relate to systems, methods, and computer program products for customizing the functionality of a point-of-sale (POS) terminal. The described embodiments and aspects improve upon prior art solutions by eliminating the need to push pre-programmed software updates to all POS terminals in a given operating region. Through the embodiments and aspects of the technical solutions described herein, the functionality of a POS terminal can be customized (e.g., visually, aurally, programmatically, etc.) via scripts stored on and transmitted from a user's payment device during user interaction (e.g., pressing a button, touching a screen, viewing an image, reading a message, hearing a sound, etc.). In addition, the existing payment device authentication and transaction processes can be augmented by script verification and execution processes, so that the POS terminal can verify the authenticity and / or security of the script, determine whether the script can be executed on the current POS terminal, and execute the customized POS terminal functionality at runtime. Therefore, by initiating customization during the initial data exchange between the payment device and the POS terminal, the variety and range of customized functionality and user interfaces are greatly improved, the software maintenance of the POS terminal is reduced, and the speed of loading / executing customized functionality can be increased. These improvements and other improvements are further disclosed in detail below.

[0068] Specific reference Figure 1, and in some non-limiting embodiments or aspects, a system 100 for customizing the functionality of a point of sale (POS) terminal is provided. The system 100 includes a POS terminal 102, which may include a display 104 (e.g., a screen), a speaker 106, and at least one processor 108. The POS terminal 102 may be associated with a merchant and communicate with a payment device 110 (e.g., an electronic payment device) of a user 112 to complete a transaction between the user 112 and the merchant. The payment device 110 may store payment device data 114, including but not limited to an account identifier, an account token, an account holder name, a payment device type, etc. The payment device 110 may also store at least one script 116 (e.g., a computer-readable instruction set executed by one or more processors), which is configured to customize existing functionality of the POS terminal 102 or to cause the execution of a customized functionality of the POS terminal 102. For example, existing POS terminal functionality that may be customized may include but is not limited to the display of a total price, the playing of a sound indicating a transaction status, the form of acceptable function input, the display of a cashback interface, the display of a transaction processing status, etc. For the display example of a total price, the existing functionality can be customized by changing the size / style of the font text, by reading the price aloud via speaker 106, by displaying the text in a different language, by displaying the price in a different currency, by displaying tax amounts separately, etc.

[0069] The customized POS terminal functions may include, but are not limited to, displaying a payment device-related reward interface (e.g., displaying earned points, allowing points to be redeemed, etc.), playing an audio sequence (e.g., a tone indicating that a transaction is complete), displaying an interface that allows the user to select how to make a payment (e.g., a single payment, multiple payments, etc.), etc. In view of these non-limiting examples, it should be understood that the script 116 may provide customized POS terminal functions by displaying at least one message, displaying at least one image, displaying at least one animation or at least one video, playing at least one audio sequence, displaying a user interface including at least one user option for selection, displaying at least one user data input field, transmitting data to a third-party server, receiving data from a third-party server, etc.

[0070] Further references Figure 1, and in some non-limiting embodiments or aspects, the payment device 110 may store one or more digital signatures 117 corresponding to one or more scripts 116. The digital signature 117 (e.g., a one-way hash encryption, password, asymmetric cryptographic key, etc. of the script 116) may be used to authenticate the user 112, the script 116, etc. The payment device 110 may further store a set of stored script identifiers 118, which may identify one or more types of scripts 116 stored / capable of being transmitted by the payment device 110. The script 116 type may relate to the type of display / audio settings, third-party communications, programming languages, issuer institution plans, script size, etc. The POS terminal 102 may likewise be programmed and / or configured to store a set of executable script identifiers 120, which may identify one or more types of scripts 116 that the POS terminal 102 is capable of executing. As used herein, a "set" may contain zero or more elements (so as to include a zero set or an empty set).

[0071] POS terminal 102 may receive the set of stored script identifiers 118 from payment device 110 and compare the set of stored script identifiers 118 to the set of executable script identifiers 120 to determine the set of script identifiers that are common to both sets. POS terminal 102 may transmit the common script identifiers (if any) to payment device 110, and in response, payment device 110 may transmit the scripts 116 corresponding to the common script identifiers to POS terminal 102. Alternatively, POS terminal 102 may receive all scripts 116 from payment device 110, but use a comparison of the set of stored script identifiers 118 and executable script identifiers 120 to determine which scripts 116 to run.

[0072] Further references Figure 1 , and in some non-limiting embodiments or aspects, the system 100 may include a transaction service provider system 122 communicatively connected to the POS terminal 102. The POS terminal 102 may transmit a transaction authorization request to the transaction service provider system 122 to complete the transaction between the payment device 110 and the POS terminal 102. If the executed script 116 received from the payment device 110 includes instructions related to transaction completion, the payment data related to the script may be embedded in the transaction authorization request. For example, if the script 116 causes a payment method option screen (e.g., single payment, multiple payments, multiple accounts, etc.) to be displayed for the user to select, the user's selected data may be embedded in the transaction authorization request and processed by the transaction service provider system 122, the issuer institution server, etc.

[0073] The system 100 may further include a third-party server 124 communicatively connected to the POS terminal 102, for example, via a distributed data network connection (e.g., an Internet connection). The executed script 116 received from the payment device 110, including instructions related to sending and / or receiving data from the third-party server 124, may cause the POS terminal 102 to communicate with the third-party server 124 accordingly. For example, the script 116 may include instructions to transmit an identifier of the user 112 to the third-party server 124 and receive return data related to a reward or incentive program associated with the payment device 110, thereby further causing the POS terminal 102 to display a reward redemption / status interface to the user 112. The user 112's selection may then be transmitted back to the third-party server 124. The third-party data may also include product or service promotions of merchants or issuers (e.g., purchase advertising), credit line usage notifications (e.g., "You have used 95% of your credit line"), and / or other similar communications.

[0074] Further references Figure 1 , and in some non-limiting embodiments or aspects, the script 116 may be configured to cause a message to be displayed on the display 104 of the POS terminal 102. For example, the script 116 may include: <script><display>veuillez retirer la carte< / display><signature>0EF5DA34< / signature>< / script> After all payment device data 114 are transmitted from the payment device 110, such a script 116 may be transmitted to the POS terminal 102. This example script 116 includes an embedded digital signature 117 and is in a markup language, but it should be understood that many permutations, combinations, and types of computer instruction languages ​​may be used, including but not limited to compiled languages ​​(e.g., C, C++, C#, Python, Haskell, etc.), concurrent languages ​​(e.g., Java, ADA, E, etc.), declarative languages ​​(e.g., SQL, Mercury, etc.), embeddable languages ​​(e.g., PHP, JavaScript, etc.), etc. In the " <signature>” element, POS terminal 102 displays on the screen “veuillez retirer la carte,” which is the French translation of “please take your card.” In this way, one or more functions of POS terminal 102 are customized without POS terminal 102 being programmed to communicate in French or to predetermine what type of text will be displayed in French for a given user interaction.

[0075] Further references Figure 1 , and in some non-limiting embodiments or aspects, the script 116 may be configured to trigger a cashback feature associated with an issuer organization of the payment device 110. For example, the script 116 may be in the message: " <script><display>You get<get>https: / / ***.com / cardscriptservice / cashbackamount / DA287712< / get>cashback in this transaction！< / display><signature>0EF5DA34< / signature>< / script> " includes a call to the third-party server 124. In verifying the digital signature 117 of the script 116 embedded in the URL of the script 116 (in " <signature>” sign), POS terminal 102 may communicate with third-party server 124 (e.g., a remote endpoint) to transmit the identifier of user 112 (e.g., “DA287712” embedded in the URL). Third-party server 124 may then transmit back a response based on the identifier of user 112, such as a cash back reward corresponding to the transaction, such as $2.32. Thus, POS terminal 102 will display a message on display 104 “You earned $2.32 in cash back on this transaction!”

[0076] Further references Figure 1 , and in some non-limiting embodiments or aspects, the script 116 may be configured to trigger a custom POS terminal function to allow the user to select a payment method, such as by installment payment via an issuer institution of the payment device 110. For example, the script 116 may include: " <script><menu><target>card< / target><menu_header>How do you want to pay？< / menu_header><menu_item><id>1< / id><menu_text>Full amount< / menu_text><menu_item><id>2< / id><menu_text>3months installments< / menu_text>< / menu_item>< / menu><signature>0EF5DA34< / signature>< / script> ”. In verifying the digital signature 117 of the script 116 (e.g., embedded in the “ <signature>" mark), the POS terminal 102 may display a menu on the screen:

[0077] How would you like to pay? 1. Full amount 2. Installment for 3 months

[0078] Table 1

[0079] After the user 112 selects an option (e.g., option (2)) using an input (e.g., keyboard, touch screen, etc.) of the POS terminal 102, the POS terminal 102 may embed the selection in the transaction authorization request, or it may transmit the selection to the payment device 110 for the payment device 110 to embed the payment type into the payment data to be transmitted to the POS terminal 102. After the aforementioned script 116 is completed, the transaction will be completed according to the selection of the user 112.

[0080] Specific reference Figure 2 , and in some non-limiting embodiments or aspects, a method 200 for customizing the functionality of a POS terminal is provided. The method 200 may be implemented by one or more processors of a POS terminal, and one or more steps thereof may be implemented by a processor of a POS terminal that is communicatively connected to, for example, a checkout computer terminal, a vendor server, a network modem, etc. In step 202, payment device data is received from a user's payment device during a transaction (e.g., a payment transaction) between the user and a merchant based on the POS terminal. The payment transaction may include any and all steps from the user deciding to exchange with the merchant until the exchange is completed. The payment device data may include a payment device identifier, such as a credit card number that may be encrypted.

[0081] The method 200 may further include a script checking process 300, such as Figure 3 In step 204, one or more scripts are received from the payment device for execution on the POS terminal. The script may be associated with a digital signature to authenticate / verify one or more of the following parameters of the script: the content of the script, the script type, the payment device, the user, or any combination thereof.

[0082] In step 206, the script can be verified by the POS terminal at least in part based on a digital signature associated with the script. For example, the POS terminal can verify the script using a public key of a cryptographic digital signature. In step 208, the script can be executed on the POS terminal to cause one or more actions associated with the user interacting with the POS terminal. User interactions that can customize POS terminal functions include, but are not limited to, inputting personal user data, inputting information about the payment process, viewing payment status, viewing advertisements and interacting, viewing offers / rewards and interacting, selecting payment options, selecting receipt options, reading messages, viewing visual / audio feedback from the POS terminal, etc.

[0083] Combination Figure 4 Non-limiting embodiments or aspects of such actions are further described via exemplary script execution process 400. Ultimately, the POS terminal may implement a transaction authorization process in step 210 to complete the transaction between the user and the merchant. Step 210 may include generating and transmitting a transaction authorization request by the POS terminal to a transaction service provider system, the transaction authorization request may include payment device data (e.g., a payment device identifier), and may include additional data derived from the script-initiated action (e.g., user input).

[0084] Specific reference Figure 3 , and in some non-limiting embodiments or aspects, the method for customizing the functionality of a POS terminal may include a script checking process 300. The script checking process 300 may be implemented by one or more processors of a POS terminal, and one or more steps thereof may be implemented by a processor communicatively connected to a POS terminal such as a checkout computer terminal, a vendor server, a network modem, etc. The script checking process 300 may include, at step 302, receiving, using the POS terminal, a first set of identifiers of scripts associated with one or more types of scripts that a payment device (e.g., an electronic payment device) is configured to transmit. For example, a payment device may store thereon three scripts associated with an audio sequence action type (e.g., playing a foreign language audio message), a third-party data action type (e.g., initiating a cashback process interface), and a display action type (e.g., displaying an advertisement). The payment device may transmit the three identifiers to the POS terminal corresponding to the three types of scripts that it is configured to transmit.

[0085] In step 304, the first set of identifiers may be compared by the POS terminal to a second set of identifiers for scripts associated with one or more types of scripts that the POS terminal is configured to execute. For example, the POS terminal may be equipped with a screen and a data connection to a third-party server, so it may have a set of script identifiers associated with display actions, third-party data actions, etc. However, if the POS terminal does not have a speaker, it may not be able to play an audio sequence, and therefore the second set of script identifiers will not include such audio-related script identifiers. In step 306, a set of common script identifiers corresponding to script identifiers common to both the first set and the second set may be determined and transmitted to the payment device so that the scripts associated with the common script identifiers may be transmitted to the POS terminal for execution. It should be understood that in addition to the general categories of script types, script identifiers may also be associated with other parameters, including but not limited to script language, script author, script size, unique script ID, etc.

[0086] Specific reference Figure 4 , and in some non-limiting embodiments or aspects, the method for customizing the functions of a POS terminal may include a script execution process 400. The script execution process 400 may be implemented by one or more processors of a POS terminal, and one or more steps thereof may be implemented by a processor of a POS terminal that is communicatively connected to, for example, a checkout computer terminal, a vendor server, a network modem, etc. In step 402, the POS terminal may cause an action associated with a user interacting with the POS terminal to be implemented in response to executing one or more scripts. In some non-limiting embodiments or aspects, the action may include one or more custom functions to be performed (e.g., POS terminal actions). The functions initiated by the script may include, but are not limited to, displaying a message (step 404), displaying an image (step 406), displaying an animation or video (step 408), playing an audio sequence (step 410), displaying a user interface with options for user selection (step 412), displaying a data entry field for user input (step 414), transmitting data to / from a third-party server (step 416), or any combination thereof. The functions initiated by any given script may include one or more of the aforementioned steps.

[0087] Step 404 may include, for example, displaying at least one message on the POS terminal, including instructions to complete the payment transaction, such as "Press 'OK' to confirm amount," "Enter PIN," "Submit payment," etc. The message of step 404 may be in a language specified by the script, which may be the same as or different from the default language of the POS terminal. For example, the POS terminal may be programmed and / or configured to display messages in English, but the script, when executed, may display the message in another language, such as French. Because the system does not require the POS terminal to be pre-programmed with the script to operate, the script may customize the message to be displayed in any necessary format, style, size, or language.

[0088] Step 414 may include, for example, displaying a user interface on the POS terminal that includes at least two options for selection (e.g., control buttons, touch screen icons, etc.), the at least two options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments. Other options or messages may be provided to specify the type of multiple payments (e.g., two payments within two months, quarterly payments within a year for a total of four payments plus interest, etc.). The POS terminal may then modify the transaction authorization process, such as Figure 2 , in particular, a process initiated by a script to transmit a transaction authorization request having data associated with a user selection of a first user option or a second user option. For example, if a user selects an option for multiple payments, such as two payments within two months, data about the selection may be embedded in the transaction authorization request, and the issuer institution may use the data to control the use of funds in the user's account.

[0089] Step 416 may include, for example, transmitting transaction data and / or payment device data including a payment device identifier from the POS terminal to a third-party server. The third-party server may use transaction data and payment device data to update expenditure records (e.g., for reward programs, preferential programs, fraud analysis, market analysis, or other expenditure tracking services). Then, the third-party server may generate data transmitted back to the POS terminal, which may then be provided to the user interacting with the POS terminal. For example, the third-party server may receive transaction data and payment device data for reward programs associated with the user and / or payment device. For a reward program that obtains $1 in cash back for every $100 spent by the user, and for a transaction in which the user is making a $52 purchase, the third-party server may determine that the user has obtained a $0.52 cash back reward. Then, the third-party server may transmit transaction reward data to the POS terminal for display to the user. Transaction reward data may include cash back, discounts, third-party partial payments, electronic badges / achievements, gift redemption, etc. If desired, the user may interact with the POS terminal to select a reward, view reward status, delay receiving a reward, etc. For the above instructions, users can choose to redeem the $0.52 reward or save the $0.52 reward to continue accumulating their reward benefits.

[0090] Although the present disclosure has been described in detail based on what are currently considered to be the most practical and non-limiting embodiments for purposes of illustration, it should be understood that such details are only for that purpose and that the present disclosure is not limited to the disclosed embodiments, but on the contrary, is intended to cover modifications and equivalent arrangements within the spirit and scope of the appended claims. For example, it should be understood that the present disclosure contemplates that, to the extent possible, one or more features of any embodiment may be combined with one or more features of any other embodiment.< / signature> < / signature> < / signature>

Claims

1. A computer-implemented method for customizing functionality of a point-of-sale (POS) terminal, the method comprising: receiving, using at least one processor, payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant; receiving, using at least one processor, from the payment device at least one script for execution on the POS terminal, the at least one script being associated with a digital signature; verifying, using at least one processor, the at least one script based on the digital signature of the at least one script; as well as executing, using at least one processor, the at least one script on the POS terminal so that actions associated with a user interacting with the POS terminal are performed, The method further comprises: receiving, from the electronic payment device, a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit; comparing the first set of identifiers of scripts to a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute; and transmitting to the electronic payment device at least one identifier of a script that is common to both the first set of identifiers and the second set of identifiers; The at least one script received from the electronic payment device corresponds to at least one payment device identifier of the electronic payment device included in the payment device data.

2. The method of claim 1, further comprising implementing a transaction authorization process for processing the payment transaction between the user and the merchant.

3. The method according to claim 1, further comprising: Based on executing the at least one script, displaying at least one message, the at least one message including at least one instruction to complete the payment transaction between the user and the merchant using the POS terminal; The at least one instruction is in a language specified by the at least one script received from the electronic payment device, and the language is different from a default language of the POS terminal.

4. The method according to claim 1, further comprising: transmitting, based on executing the at least one script, a payment device identifier of the electronic payment device and transaction data associated with the payment transaction between the user and the merchant to a third-party server; as well as Transaction reward data is received from the third-party server based on the transaction data.

5. The method according to claim 1, further comprising: displaying a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments; as well as A transaction authorization request is transmitted to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option. 6 . The method of claim 1 , wherein receiving the payment device data comprises receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

7. The method of claim 1, wherein upon executing the at least one script, at least one processor is configured to cause the POS terminal to: Display at least one message; displaying at least one image; displaying at least one animation or at least one video; Playing at least one audio sequence; displaying a user interface including at least one user option for selection; displaying at least one user data entry field; Transmit data to third-party servers; Receive data from third-party servers; or Any combination thereof.

8. A system for customizing the functionality of a point of sale (POS) terminal, the system comprising the POS terminal, the POS terminal comprising at least one processor for executing program instructions, the POS terminal being programmed and / or configured to: receiving payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant; receiving from the electronic payment device at least one script for execution on the POS terminal; as well as executing the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is performed based on verifying the at least one script, Wherein the POS terminal is further programmed and / or configured to: receiving a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit; comparing the first set of identifiers of scripts to a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute; as well as transmitting to the electronic payment device at least one identifier of a script that is common to both the first set of identifiers and the second set of identifiers; The at least one script received from the electronic payment device corresponds to at least one payment device identifier of the electronic payment device included in the payment device data.

9. The system of claim 8, wherein the POS terminal is further programmed and / or configured to: implementing a transaction authorization process for processing the payment transaction between the user and the merchant; transmitting, based on executing the at least one script, a payment device identifier of the electronic payment device and transaction data associated with the payment transaction between the user and the merchant to a third-party server; and Transaction reward data is received from the third-party server based on the transaction data.

10. The system of claim 8, wherein the POS terminal is further programmed and / or configured to: displaying a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments; and A transaction authorization request is transmitted to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option.

11. The system of claim 8, wherein receiving the payment device data comprises receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

12. The system of claim 8, wherein upon executing the at least one script, the at least one processor is configured to cause the POS terminal to: Display at least one message; displaying at least one image; displaying at least one animation or at least one video; Playing at least one audio sequence; displaying a user interface including at least one user option for selection; displaying at least one user data entry field; Transmit data to third-party servers; Receive data from third-party servers; or Any combination thereof.

13. A computer program product for customizing functionality of a point of sale (POS) terminal, the computer program product comprising at least one non-transitory computer readable medium, the at least one non-transitory computer readable medium comprising program instructions that, when executed by at least one processor, cause the at least one processor to: receiving payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant; receiving from the electronic payment device at least one script for execution on the POS terminal; verifying the at least one script based on a digital signature of the at least one script; as well as executing the at least one script on the POS terminal so that an action associated with a user interacting with the POS terminal is performed, The program instructions further cause the at least one processor to: receiving a first set of identifiers of scripts associated with one or more types of scripts that the electronic payment device is configured to transmit; comparing the first set of identifiers of scripts to a second set of identifiers of scripts associated with one or more types of scripts that the POS terminal is configured to execute; as well as transmitting to the payment device at least one identifier of a script that is common to both the first set of identifiers and the second set of identifiers; The at least one script received from the electronic payment device corresponds to at least one payment device identifier of the electronic payment device included in the payment device data.

14. The computer program product of claim 13, wherein the program instructions further cause the at least one processor to: implementing a transaction authorization process for processing the payment transaction between the user and the merchant; transmitting, based on executing the at least one script, a payment device identifier of the electronic payment device and transaction data associated with the payment transaction between the user and the merchant to a third-party server; and Transaction reward data is received from the third-party server based on the transaction data.

15. The computer program product of claim 13, wherein the program instructions further cause the at least one processor to: displaying a user interface including at least two user options for selection, the at least two user options including a first user option to complete the payment transaction with a single payment and a second user option to complete the payment transaction with multiple payments; and A transaction authorization request is transmitted to complete the payment transaction, wherein the transaction authorization request includes data associated with the user selection of the first user option or data associated with the user selection of the second user option.

16. The computer program product of claim 13, wherein receiving the payment device data comprises receiving a payment device identifier of the electronic payment device based on the POS terminal reading a data storage medium of the electronic payment device for completing the payment transaction.

17. The computer program product of claim 13, wherein when executing the at least one script, the at least one processor is configured to cause the POS terminal to: Display at least one message; displaying at least one image; displaying at least one animation or at least one video; Playing at least one audio sequence; displaying a user interface including at least one user option for selection; displaying at least one user data entry field; Transmit data to third-party servers; Receive data from third-party servers; or Any combination thereof.

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