Visa International Service Association

Thomas H Sak

Forough Kashef

Lance Shigeo Nakamura

Jean-Paul Billon

Christophe Colas

A terminal software architecture accepts a card that implements a card application of a merchant. A terminal application is developed independently of the terminal. The terminal has an environment component including terminal hardware, an operating system, and an environment services layer that supplies one or more environment dependent services that are dependent upon at least one of the operating system and the hardware of the terminal. The terminal application is compatible with the card application and has a platform independent portion that is independent of the environment component and a business logic layer that implements business policies associated with the terminal. The business logic layer makes calls to the terminal application through an access module and an application programming interface. The terminal application makes calls to the environment services layer through an access module and an application programming interface.

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Santa Cruz, CA, United States of America

Thomas H Sak