Does ripple have working point of sale systems?
No. Ripple only has a few non-distributed/single-server implementations that are still really proofs of concept. We are working on a feasible distributed protocol, as well as designing marketplaces to motivate growth in the network. I understand there is some interest in using a Ripple-type system for real-time approval of Bitcoin transactions in, for example, a POS setting, which is one of the motivators of renewed work on the protocol.
Ryan