To make Refunds safe & Secure for the Owners :

If employee is making any refund to the Customer and owner is not available at the store, so at that moment owner should receive some kind of Verification Code on his Cell phone, where same code can be provided to employee to proceed with the Refund. Once the Refund is issued by the employee a notification should pop up on the owner's Cell phone with the Refund Amount issued & other transactional details.

In that case, owner will be fully aware of the refund amount issued on the machine without his presence.

This will a very much secured process and peace of mind for the owners who are sometimes not available at their retail locations.
Hopefully Clover will look up into this seriously & come up with best possible solution.
Thanks