Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/04—Payment circuits
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/20—Point-of-sale [POS] network systems
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
  • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
  • G07G1/00—Cash registers
  • G07G1/0018—Constructional details, e.g. of drawer, printing means, input means
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
  • G07G1/00—Cash registers
  • G07G1/12—Cash registers electronically operated
  • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit

Definitions

• the method further includes collection of additional information related to the transaction via the base unit.
• additional information is also requisite for the at least one predefined authorized transaction types.
• collecting the additional information includes reading a string of magnetic-ink characters from a document with a magnetic-ink character recognition reader associated with the base unit.
• Fig. 15 A illustrates a method in accordance with embodiments of the present invention for enabling access to the check acceptance system of Fig. 14 via a point-of-sale device;
• the speaker coupled to audio interface 249 can be coupled to a modem attached to network interface 228 for listening to modem tones, alarm beeps, and the like.
• volume control is desirable as is the ability to turn the speaker on and off.
• Such control can be added as an external analog control, or implemented via analog interface 249 where the control is provided via OS functions or a software application running on CPU 218.
• the initial amount to be added to the card is indicated via POS device 130 or POS peripheral 140 (block 1162).
• such an amount can be selected by the customer and entered either by the customer via POS peripheral, or communicated to a merchant who then enters the amount via POS device 130.
• a pre-determined amount for a particular number of minutes can be selected either via a touch-screen or keypad associated with either POS device 130 or POS peripheral 140.
• the amount selected is tendered from the customer to the merchant as previously described (block 1164).
• such stored value card processes can be used in conjunction with a value transfer system, where the value transfer system effectuates payment for a purchased stored value card.
• a value transfer system can be used to transfer value from a value account associated with a stored value card to one or more destinations.
• the sender or recipient may also indicate that the message needs to be translated to a different language.
• message translator 739 may be used to translate the message into the other language. This may be accomplished by simply doing a word look up for each corresponding word in the other language. More complex language translation capabilities may also be used.
• encashment is a process of providing payment for a negotiable instrument and avoiding multiple payouts for the same negotiable instrument.
• Encashment can be provided at a POS device 130 where a check is exchanged for payment.
• encashment can be provided at any number of terminals 710 capable of receiving a check and providing value in exchange.
• Figure 8 illustrates an encashment system 700 interacting with various POS devices 130, peripheral devices 140, and terminals 710 via communication network 120.
• FIG. 10 provides a schematic overview 1200 of how a loyalty system structured as a function central control 110 can be integrated for operation in relation to one or more POS devices 130 and/or POS peripherals 140 in accordance with various embodiments ofthe present invention.
• each of a plurality of POS devices 130 are communicably coupled to function central control 110 via communication network 120.
• Function central control 110 includes a loyalty switch 1212, an authorization 1220, and a loyalty host 1216.

Landscapes

• Business, Economics & Management (AREA)
• Physics & Mathematics (AREA)
• General Physics & Mathematics (AREA)
• Accounting & Taxation (AREA)
• Engineering & Computer Science (AREA)
• Strategic Management (AREA)
• General Business, Economics & Management (AREA)
• Theoretical Computer Science (AREA)
• Finance (AREA)
• Computer Networks & Wireless Communication (AREA)
• Cash Registers Or Receiving Machines (AREA)
• Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Priority Applications (5)

Applications Claiming Priority (8)

Publications (2)

Family

ID=29255533

Family Applications (1)

Country Status (7)

Cited By (4)

Families Citing this family (8)

Citations (11)

• 2003
  • 2003-04-02 WO PCT/US2003/012184 patent/WO2003088005A2/en not_active Application Discontinuation
  • 2003-04-02 CA CA002481075A patent/CA2481075A1/en not_active Abandoned
  • 2003-04-02 AU AU2003222656A patent/AU2003222656A1/en not_active Abandoned
  • 2003-04-02 NZ NZ535788A patent/NZ535788A/en unknown
  • 2003-04-02 EP EP03719853A patent/EP1573442A2/en not_active Withdrawn
  • 2003-04-02 MX MXPA04009704A patent/MXPA04009704A/es active IP Right Grant
  • 2003-04-02 CN CNA038126931A patent/CN1871613A/zh active Pending

Patent Citations (11)

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