WO2002011039A2 - An interactive pos transaction system - Google Patents

An interactive pos transaction system Download PDF

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Publication number
WO2002011039A2
WO2002011039A2 PCT/US2001/024150 US0124150W WO0211039A2 WO 2002011039 A2 WO2002011039 A2 WO 2002011039A2 US 0124150 W US0124150 W US 0124150W WO 0211039 A2 WO0211039 A2 WO 0211039A2
Authority
WO
WIPO (PCT)
Prior art keywords
customer
transaction
transaction system
keypad
interaction circuit
Prior art date
Application number
PCT/US2001/024150
Other languages
French (fr)
Other versions
WO2002011039A3 (en
Inventor
Li Wen Liu
Gamaethige Francis Robert Sulak Soysa
James C. Lungaro
Llavanya X. Fernando
Simon Lee
Original Assignee
@Pos.Com, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by @Pos.Com, Inc. filed Critical @Pos.Com, Inc.
Priority to AU2001280964A priority Critical patent/AU2001280964A1/en
Publication of WO2002011039A2 publication Critical patent/WO2002011039A2/en
Publication of WO2002011039A3 publication Critical patent/WO2002011039A3/en

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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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0236—Incentive or reward received by requiring registration or ID from user
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0238—Discounts or incentives, e.g. coupons or rebates at point-of-sale [POS]
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0242—Determining effectiveness of advertisements
    • G06Q30/0245—Surveys
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0268—Targeted advertisements at point-of-sale [POS]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/33—Individual registration on entry or exit not involving the use of a pass in combination with an identity check by means of a password
    • 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
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1033—Details of the PIN pad

Definitions

  • This invention relates to point-of-sale (POS) systems and retail stores. More specifically, this invention relates to transaction terminals at POS locations in small retail stores.
  • POS point-of-sale
  • Brick-and-mortar retailers may be divided into three classes based on the number of registers at a store.
  • a tier-1 retailer may have, say, twenty-six (26) or more cash registers at one store.
  • a tier-2 retailer may have 3 to 25 cash registers.
  • Tier-3 retailers have one or two registers per store. (These tiers may overlap at their boundaries.)
  • the cash registers at the tier-1 and tier-2 stores termed
  • ECRs Electronic cash registers
  • a tier 1 -tier 2 cash register may cost $5,000 or more.
  • an ECR is programmed or programmable to handle activities beyond that of a cash register.
  • an ECR may communicatively couple with a POS device such as a check reader or a magnetic-strip reader.
  • the ECR has sufficient intelligence to control the POS device, say, to obtain credit- or debit-card information from the magnetic-strip reader, combine it with the transaction total that the ECR has computed and forward it all to an external payment processor for authentication and approval.
  • the IBM ECR model 4690 available from International Business Machine Corporation, Armonk, NY, is an example of a prior-art ECR. [ 0004]
  • the cash registers of tier-3 retailers are typically much less sophisticated. These cash registers cost about $500 to $800 — significantly less than the tier 1 -tier 2 ECRs.
  • stand-beside cash registers are not able to control POS devices co-located with the cash register. Any magnetic-strip/POS reader located with such a tier-3 register, for example, itself possesses the intelligence to send card information to a remote payment processor for authorization.
  • Figure 1 illustrates a prior-art POS transaction environment
  • the POS transaction environment 200 includes a cash register 210, a payment-processing device 220
  • a link 400 communicatively connects the transaction environment 200 — through its device 220 — to the payment processor 300.
  • the cash register 210 and the payment-processing device 220 do not communicate.
  • the OMNI models 460 and 470 available from VeriFone, a division of Hewlett-Packard Company, Palo Alto, California, with their printer 900 and CR 600 check-reader options, are examples of prior-art payment processing devices 220.
  • the OMNI 460 has automatic- payment-processing and receipt-printing capabilities.
  • the OMNI 470 combines a payment terminal, a printer and a PIN pad. Both OMNI terminals can transfer data via modem. Eclipse-brand payment terminals convert paper checks into electronic items for instant funds transfer from a customer's account to the merchant's.
  • Hypercom, Inc., Phoenix, Arizona makes T7 and T8 series of transaction terminals.
  • the T7 series include a 35-key keyboard, LCD display, a card reader and a receipt printer.
  • IVI Checkmate Roswell, Georgia, makes an eN and Elite series of transaction terminals with PIN-pad and receipt-printer peripherals. Most of these terminals have direct-dial capability, integrated card readers and an LCD. Functions such as check reading, thermal receipt printing and wireless communication are optional.
  • processing a credit-card payment involves the cashier determining the dollar amount of the transaction using the cash register 210 and sliding the credit card through the check/magnetic-strip reader 221. The cashier then enters the transaction dollar amount into the device 220.
  • the MSR 221 provides the requisite card information such as card number and expiration date.
  • the device 220 then (dials and) communicates with the remote payment processor 300 to authorize the transaction.
  • the printer 222 prints a paper receipt which the customer then signs.
  • Processing a debit-card payment is similar: Instead of signing a paper receipt, the customer enters a PIN on the separate PIN pad. [ 0012] Such a credit or debit transaction may take 6 to 22 seconds, depending on the type of connection with the remote payment processor. The customer idly waits for the transaction approval. Except for the entry of a PIN (if ever necessary, for a debit- card transaction, for example), the customer does not interact at all with the transaction system 200.
  • tier-3 POS environment that is less costly than the tier-1 and tier-2 environments but nonetheless offers the opportunity to convert the idle times of the customer into potential revenue.
  • the apparatus may be a transaction system including a keypad, a circuit for interacting with a customer and a link communicatively connecting the keypad and the customer- interaction circuit.
  • the cashier may interact with the keypad, while the customer (and not the cashier) may interact with the customer- interaction circuit.
  • the link may communicate a dollar amount for the transaction between the keypad and the customer-interaction circuit.
  • Accessories for the customer-interaction circuit may include a check reader, a receipt printer, a smart-card reader, a magnetic-strip reader and a biometric-information circuit.
  • the customer-interaction circuit may include a port for connection to a remote service provider. That port may be the only remote-access port in the transaction system.
  • the customer-interaction circuit may include a virtual PIN pad, and the circuit itself may be programmed to capture a personal identification number (PIN) by means of that virtual PIN pad.
  • the customer-interaction circuit may include virtual paper, and the circuit itself may be programmed to capture a signature by means of the virtual paper.
  • a cash register at the point of sale with the transaction system may not be communicatively coupled to the transaction system.
  • a method for authorizing a transaction at a POS location may include engaging in a transaction at the POS location, thereby generating a dollar amount for the transaction.
  • a transaction dollar amount is entered into a keypad and then communicated from the keypad to a customer-interaction circuit. Details of the transaction, including the dollar amount, are communicated to a remote service provider for authorization.
  • the customer-interaction circuit interacts with the customer. Between the steps of communicating, the transaction dollar amount maybe displayed on the customer-interaction circuit for the customer, and the customer may approve the transaction dollar amount.
  • Figure 1 illustrates a prior-art POS transaction environment for a tier-3 POS location.
  • Figure 2 illustrates a retail system incorporating an embodiment of the invention.
  • Figure 3 illustrates the point-of-sale (POS) transaction system of Figure 4, according to one embodiment of the invention.
  • Figure 4 illustrates a point of sale incorporating an embodiment of the invention.
  • Figure 5 schematically illustrates a customer-response unit, according to one embodiment of the invention. DESCRIPTION OF SPECIFIC EMBODIMENTS
  • FIG. 1 illustrates a retail system 100 incorporating an embodiment of the invention.
  • the retail system 100 includes one or more merchants 110, one or more remote payment processors 120, one or more application service providers (ASPs) such as the electronic-receipt service provider 140or the customer-relations manager 150, and a communications link 130.
  • ASPs application service providers
  • the link 130 communicatively couples the merchant 110 to the service providers 120, 140, 150. Where the link 130 is an internet, the merchants 110 and service providers 120, 140, 150 are each a node on the internet 130.
  • a merchant 110 may be a small retailer with, say, 1 or 2 cash registers.
  • Example merchants 110 include convenience stores, restaurants, hospitality providers (barkeeps, innkeepers, etc.) and rental-car agencies.
  • a service provider 140 may provide an electronic-receipts repository for receiving and storing transaction records.
  • the service provider may provide an electronic-receipts service for manipulating a transaction record — retrieving and forwarding it on demand, for example.
  • the service providers 120 support the transactions of a merchant 110.
  • An application service provider 120 (a payment processor or one of its affiliate banks, for example) may verify credit or debit cards or may authorize credit- or debit-card transactions.
  • the service-provider 150 may be an advertisement server.
  • Doubleclick.com, New York, New York, is an example of a service provider 150.
  • the service provider 150 may serve up any content that a customer may find interesting or that may provide useful information. (For example, the lack of an (affirmative) customer response to an advertisement, promotion or survey is of itself an interesting response.)
  • POS point of sale
  • Figure 4 illustrates that POS 1 1 1 , including a cash register 210 and an iPOS transaction system
  • FIG. 3 illustrates an interactive point-of-sale (iPOS) transaction system 1111 according to one embodiment of the invention.
  • the iPOS transaction system 1111 may include a numerical keypad 220, a customer-response unit (CRU) 500 and a communications link 600.
  • the link 600 communicatively couples the keypad 220 and the CRU 500.
  • the keypad 220 typically includes an LCD display 221. In use, the keypad 220 assists the cashier.
  • the keypad 220 may receive from the cashier the dollar amount of a given transaction for debit- or credit-payment processing.
  • the CRU 112 interacts with the customer to complete or enhance the transaction.
  • FIG. 5 schematically illustrates a CRU 500, according to one embodiment of the invention.
  • the CRU 500 may include a processor sub-system 510, a biometrics sub-system 520, an input sub-system 530, an output sub-system 540, a payment sub-system 550, a communications sub-system 560 and a bus 570.
  • the bus 570 communicatively couples all of the biometrics, input, output, payment and communications sub-systems 520, 530, 540, 550, 560 to each other and to the processor sub-system 510.
  • the processor sub-system 510 includes a CPU 511 , a memory 512 and a bus 513.
  • the memory 512 includes random-access memory (RAM) 5122 and may include flash memory 5121.
  • the bus 513 communicatively couples the CPU 511 and the memory 512 and may be wholly or partly integral with the bus 570.
  • the memory 512 includes software (not shown) controlling the CRU 500 according to its roles described herein.
  • the memory 512 also contains drivers and other software as necessary to operate the input, output and payment sub-systems 530, 540, 550.
  • the biometrics sub-system 520 electronically captures biometric information such as fingerprints, retinal images or facial features.
  • the input sub-system 530 may include a touch pad 531
  • the output sub-system 540 may include a display 541 that is preferably a color liquid crystal display (LCD).
  • the touch pad 531 and the display 541 may combine to create a virtual PIN pad for numeric entry or virtual paper for electronic signature capture, as are known in the art.
  • the payment sub-system 550 may include a magnetic-strip reader 551 , a smart-card processor 552 and a bus 553.
  • the bus 553 may communicatively couple the magnetic-strip reader 551, the smart- card processor 552 and the bus 570.
  • the bus 553 may be wholly or partly integral with the bus 570.
  • the input system can also handle the other types of payment mentioned herein.
  • the communications sub-system 560 includes a low- bandwidth port 564, a high-speed communications port 561 and a bus 565.
  • the bus 565 communicatively couples the ports 564, 561 to the bus 570.
  • the bus 565 may be wholly or partly integral with the bus 570.
  • the low-bandwidth port 564 is preferably serial, particularly an RS-232 or RS-485 port.
  • the high-bandwidth port 564 is preferably a local or wide area network connection, such as the Internet over a digital subscriber loop or line (DSL).
  • DSL digital subscriber loop or line
  • the customer inserts his card, swipes his card or otherwise presents his payment method as determined by the chosen option.
  • the customer enters a PIN using the virtual PIN pad of the CRU 112.
  • the CRU 112 transfers the transaction total and other transaction information to the remote payment processor 120 and waits for an approval.
  • the CRU 112 may communicate with the customer-relations manager 150 over the link 130 to receive content for display to the customer.
  • the CRU 112 also may display transaction information (and card information, if applicable).
  • the CRU 112 On approval of a credit transaction, the CRU 112 prompts for the customer's signature.
  • the signature may be electronic.
  • the CRU 112 itself or the keypad 220 may print a receipt which the cashier may hand to the customer.
  • the CRU 112 then may transmit a record of the transaction (and transaction details such as an electronic signature) to the electronic-receipts service 140.
  • the retail system 100 offers tier-3 retailers targeted- marketing opportunities at the point of sale while processing credit and debit transactions.
  • the numerous embodiments of the iPOS transaction terminal permit the small, tier-3 retailer to minimize cost by choosing an iPOS transaction system 1111 configured exactly for that small retailer's business.
  • the retailer need not pay for functionality that it may never use.

Abstract

Apparatus and methods for transaction processing. The apparatus may be a transaction system including a keypad, a circuit for interacting with the transaction customer and a link communicatively connecting the keypad and the customer-interaction circuit. The cashier may interact with the keypad, while the customer (and not the cashier) may interact with the customer-interaction circuit. The link may communicate a dollar amount for the transaction between the keypad and the customer-interaction circuit. Accessories for the keypad may include a display. Accessories for the customer-interaction circuit may include a smart-card reader, a magnetic-strip reader, a check reader, a receipt printer and a biometric-information circuit. The customer-interaction circuit may include a port for connection to a remote service provider. That port may be the only remote-access port in the transaction system. The customer-interaction circuit may include a virtual PIN pad, and the circuit itself may be programmed to capture a personal identification number by means of that virtual PIN pad. The customer-interaction circuit may include virtual paper, and the circuit itself may be programmed to capture a signature by means of the virtual paper. A cash register at the point of sale with the transaction system may not be communicatively coupled to the transaction system.

Description

AN I POS TRANSACTION SYSTEM
BACKGROUND
[ 0001] This invention relates to point-of-sale (POS) systems and retail stores. More specifically, this invention relates to transaction terminals at POS locations in small retail stores.
[ 0002] Brick-and-mortar retailers may be divided into three classes based on the number of registers at a store. A tier-1 retailer may have, say, twenty-six (26) or more cash registers at one store. A tier-2 retailer may have 3 to 25 cash registers. Tier-3 retailers have one or two registers per store. (These tiers may overlap at their boundaries.) [ 0003] The cash registers at the tier-1 and tier-2 stores, termed
"electronic cash registers" or "ECRs," tend to be qualitatively different from the registers at tier-3 stores. A tier 1 -tier 2 cash register may cost $5,000 or more. For its expense, an ECR is programmed or programmable to handle activities beyond that of a cash register. In an integrated POS system, an ECR may communicatively couple with a POS device such as a check reader or a magnetic-strip reader. The ECR has sufficient intelligence to control the POS device, say, to obtain credit- or debit-card information from the magnetic-strip reader, combine it with the transaction total that the ECR has computed and forward it all to an external payment processor for authentication and approval. The IBM ECR model 4690, available from International Business Machine Corporation, Armonk, NY, is an example of a prior-art ECR. [ 0004] In comparison, the cash registers of tier-3 retailers are typically much less sophisticated. These cash registers cost about $500 to $800 — significantly less than the tier 1 -tier 2 ECRs. For their affordability, stand-beside cash registers are not able to control POS devices co-located with the cash register. Any magnetic-strip/POS reader located with such a tier-3 register, for example, itself possesses the intelligence to send card information to a remote payment processor for authorization.
[ 0005] Figure 1 illustrates a prior-art POS transaction environment
200 for a tier-3 POS location. The POS transaction environment 200 includes a cash register 210, a payment-processing device 220
(optionally integrating a check/magnetic-strip reader 221 and a printer 222), a PIN pad 230 and a communications link 240. The link 240 communicatively connects the device 220 and the PIN pad 230. [ 0006] In a retail system including the transaction environment 200 and a remote payment processor 300, a link 400 communicatively connects the transaction environment 200 — through its device 220 — to the payment processor 300. Notably, the cash register 210 and the payment-processing device 220 do not communicate. [ 0007] The OMNI models 460 and 470, available from VeriFone, a division of Hewlett-Packard Company, Palo Alto, California, with their printer 900 and CR 600 check-reader options, are examples of prior-art payment processing devices 220. The OMNI 460 has automatic- payment-processing and receipt-printing capabilities. The OMNI 470 combines a payment terminal, a printer and a PIN pad. Both OMNI terminals can transfer data via modem. Eclipse-brand payment terminals convert paper checks into electronic items for instant funds transfer from a customer's account to the merchant's. [ 0008] Hypercom, Inc., Phoenix, Arizona, makes T7 and T8 series of transaction terminals. The T7 series include a 35-key keyboard, LCD display, a card reader and a receipt printer. [ 0009] IVI Checkmate, Roswell, Georgia, makes an eN and Elite series of transaction terminals with PIN-pad and receipt-printer peripherals. Most of these terminals have direct-dial capability, integrated card readers and an LCD. Functions such as check reading, thermal receipt printing and wireless communication are optional.
[ 0010] In this tier-3 environment, processing a credit-card payment involves the cashier determining the dollar amount of the transaction using the cash register 210 and sliding the credit card through the check/magnetic-strip reader 221. The cashier then enters the transaction dollar amount into the device 220. The MSR 221 provides the requisite card information such as card number and expiration date. The device 220 then (dials and) communicates with the remote payment processor 300 to authorize the transaction. Upon authorization, the printer 222 prints a paper receipt which the customer then signs.
[ 001 1 ] Processing a debit-card payment is similar: Instead of signing a paper receipt, the customer enters a PIN on the separate PIN pad. [ 0012] Such a credit or debit transaction may take 6 to 22 seconds, depending on the type of connection with the remote payment processor. The customer idly waits for the transaction approval. Except for the entry of a PIN (if ever necessary, for a debit- card transaction, for example), the customer does not interact at all with the transaction system 200.
[ 0013] While such a setup allows the merchant to use credit- or debit-cards as payment for goods or services at a cost much less than with integrated ECRs, the setup obliges the retailer to forgo certain additional sources of revenue. For example, the intelligence of the payment-processing device is limited to communicating and authorizing transaction information.
[ 0014] Accordingly, the art seeks a tier-3 POS environment that is less costly than the tier-1 and tier-2 environments but nonetheless offers the opportunity to convert the idle times of the customer into potential revenue.
[ 0015] These and other goals of the invention will be readily apparent to one of skill in the art on reading the background above and the description below.
SUMMARY
[ 0016] Herein are described apparatus and methods for transaction processing. The apparatus may be a transaction system including a keypad, a circuit for interacting with a customer and a link communicatively connecting the keypad and the customer- interaction circuit.
[ 0017] The cashier may interact with the keypad, while the customer (and not the cashier) may interact with the customer- interaction circuit. The link may communicate a dollar amount for the transaction between the keypad and the customer-interaction circuit. [ 0018] Accessories for the customer-interaction circuit may include a check reader, a receipt printer, a smart-card reader, a magnetic-strip reader and a biometric-information circuit. [ 0019] The customer-interaction circuit may include a port for connection to a remote service provider. That port may be the only remote-access port in the transaction system.
[ 0020] The customer-interaction circuit may include a virtual PIN pad, and the circuit itself may be programmed to capture a personal identification number (PIN) by means of that virtual PIN pad. The customer-interaction circuit may include virtual paper, and the circuit itself may be programmed to capture a signature by means of the virtual paper.
[ 0021 ] A cash register at the point of sale with the transaction system may not be communicatively coupled to the transaction system.
[ 0022] A method for authorizing a transaction at a POS location may include engaging in a transaction at the POS location, thereby generating a dollar amount for the transaction. A transaction dollar amount is entered into a keypad and then communicated from the keypad to a customer-interaction circuit. Details of the transaction, including the dollar amount, are communicated to a remote service provider for authorization. During the step of entering and both steps of communicating, the customer-interaction circuit interacts with the customer. Between the steps of communicating, the transaction dollar amount maybe displayed on the customer-interaction circuit for the customer, and the customer may approve the transaction dollar amount.
BRIEF DESCRIPTION OF THE DRAWINGS [ 0023] Figure 1 illustrates a prior-art POS transaction environment for a tier-3 POS location.
[ 0024] Figure 2 illustrates a retail system incorporating an embodiment of the invention.
[ 0025] Figure 3 illustrates the point-of-sale (POS) transaction system of Figure 4, according to one embodiment of the invention.
[ 0026] Figure 4 illustrates a point of sale incorporating an embodiment of the invention.
[ 0027] Figure 5 schematically illustrates a customer-response unit, according to one embodiment of the invention. DESCRIPTION OF SPECIFIC EMBODIMENTS
[ 0028] Figure 2 illustrates a retail system 100 incorporating an embodiment of the invention. The retail system 100 includes one or more merchants 110, one or more remote payment processors 120, one or more application service providers (ASPs) such as the electronic-receipt service provider 140or the customer-relations manager 150, and a communications link 130. [ 0029] The link 130 communicatively couples the merchant 110 to the service providers 120, 140, 150. Where the link 130 is an internet, the merchants 110 and service providers 120, 140, 150 are each a node on the internet 130.
[ 0030] A merchant 110 may be a small retailer with, say, 1 or 2 cash registers. Example merchants 110 include convenience stores, restaurants, hospitality providers (barkeeps, innkeepers, etc.) and rental-car agencies.
[ 0031 ] A service provider 140 may provide an electronic-receipts repository for receiving and storing transaction records. The service provider may provide an electronic-receipts service for manipulating a transaction record — retrieving and forwarding it on demand, for example. The website www.Crossvue.com, made available by Crossvue.com, San Jose, California, is an example of an electronic- receipts service ASP 140. [ 0032] The service providers 120 support the transactions of a merchant 110. An application service provider 120 (a payment processor or one of its affiliate banks, for example) may verify credit or debit cards or may authorize credit- or debit-card transactions. [ 0033] The service-provider 150 may be an advertisement server.
Doubleclick.com, New York, New York, is an example of a service provider 150. Indeed, the service provider 150 may serve up any content that a customer may find interesting or that may provide useful information. (For example, the lack of an (affirmative) customer response to an advertisement, promotion or survey is of itself an interesting response.) [ 0034] The merchant 110 includes a point of sale (POS) 111 incorporating an embodiment of the invention. Figure 4 illustrates that POS 1 1 1 , including a cash register 210 and an iPOS transaction system
[ 0035] Figure 3 illustrates an interactive point-of-sale (iPOS) transaction system 1111 according to one embodiment of the invention. The iPOS transaction system 1111 may include a numerical keypad 220, a customer-response unit (CRU) 500 and a communications link 600. The link 600 communicatively couples the keypad 220 and the CRU 500. [ 0036] The keypad 220 typically includes an LCD display 221. In use, the keypad 220 assists the cashier. The keypad 220 may receive from the cashier the dollar amount of a given transaction for debit- or credit-payment processing. [ 0037] The CRU 112 interacts with the customer to complete or enhance the transaction. Figure 5 schematically illustrates a CRU 500, according to one embodiment of the invention. The CRU 500 may include a processor sub-system 510, a biometrics sub-system 520, an input sub-system 530, an output sub-system 540, a payment sub-system 550, a communications sub-system 560 and a bus 570. The bus 570 communicatively couples all of the biometrics, input, output, payment and communications sub-systems 520, 530, 540, 550, 560 to each other and to the processor sub-system 510.
[ 0038] The processor sub-system 510 includes a CPU 511 , a memory 512 and a bus 513. The memory 512 includes random-access memory (RAM) 5122 and may include flash memory 5121. The bus 513 communicatively couples the CPU 511 and the memory 512 and may be wholly or partly integral with the bus 570.
[ 0039] The memory 512 includes software (not shown) controlling the CRU 500 according to its roles described herein. The memory 512 also contains drivers and other software as necessary to operate the input, output and payment sub-systems 530, 540, 550. [ 0040] The biometrics sub-system 520 electronically captures biometric information such as fingerprints, retinal images or facial features. [ 0041 ] The input sub-system 530 may include a touch pad 531 , and the output sub-system 540 may include a display 541 that is preferably a color liquid crystal display (LCD). The touch pad 531 and the display 541 may combine to create a virtual PIN pad for numeric entry or virtual paper for electronic signature capture, as are known in the art.
[ 0042] The payment sub-system 550 may include a magnetic-strip reader 551 , a smart-card processor 552 and a bus 553. The bus 553 may communicatively couple the magnetic-strip reader 551, the smart- card processor 552 and the bus 570. The bus 553 may be wholly or partly integral with the bus 570. (In one embodiment, the input system can also handle the other types of payment mentioned herein.) [ 0043] The communications sub-system 560 includes a low- bandwidth port 564, a high-speed communications port 561 and a bus 565. The bus 565 communicatively couples the ports 564, 561 to the bus 570. The bus 565 may be wholly or partly integral with the bus 570. [ 0044] The low-bandwidth port 564 is preferably serial, particularly an RS-232 or RS-485 port. The high-bandwidth port 564 is preferably a local or wide area network connection, such as the Internet over a digital subscriber loop or line (DSL). [ 0045] [ 0046] In an example transaction, the cashier enters the dollar amount of the transaction, using the RCK 220. The cashier's data entry is typically asynchronous to the customer's activities. The cashier-side keypad 220 communicates this dollar-amount information to the CRU 112, using the link 113. The customer uses the CRU 112 to select a payment option. In response, the CRU 112 prepares to accept the selected payment method. The customer inserts his card, swipes his card or otherwise presents his payment method as determined by the chosen option. For debit cards, the customer enters a PIN using the virtual PIN pad of the CRU 112. The CRU 112 transfers the transaction total and other transaction information to the remote payment processor 120 and waits for an approval.
[ 0047] While the CRU 112 waits for the service provider 120 to authorize the transaction, the CRU 112 may communicate with the customer-relations manager 150 over the link 130 to receive content for display to the customer. The CRU 112 also may display transaction information (and card information, if applicable). [ 0048] On approval of a credit transaction, the CRU 112 prompts for the customer's signature. The signature may be electronic. [ 0049] The CRU 112 itself or the keypad 220 may print a receipt which the cashier may hand to the customer. The CRU 112 then may transmit a record of the transaction (and transaction details such as an electronic signature) to the electronic-receipts service 140. [ 0050] The retail system 100 offers tier-3 retailers targeted- marketing opportunities at the point of sale while processing credit and debit transactions.
[ 0051 ] The numerous embodiments of the iPOS transaction terminal permit the small, tier-3 retailer to minimize cost by choosing an iPOS transaction system 1111 configured exactly for that small retailer's business. The retailer need not pay for functionality that it may never use.
[ 0052] Indeed, the invention now being fully described, many changes and modifications that can be made thereto without departing from the spirit or scope of the appended claims will be apparent to one of ordinary skill in the art.
[ 0053] This specification incorporates by reference all publications and patent applications mentioned herein, to the same extent if the specification had specifically and individually incorporated by reference each such individual publication or patent application.

Claims

WHAT IS CLAIMED IS:
1. (Once Amended) A POS transaction system comprising: a keypad; a circuit for interacting with a customer; and a link, communicatively connecting the keypad and the customer-interaction circuit.
2. (Once Amended) The transaction system of claim 1 , wherein the keypad comprises a keypad for interacting with a cashier; and wherein the customer-interaction circuit comprises a circuit for interacting with the customer and not the cashier.
3. (Once Amended) The transaction system of claim 1 , wherein the link comprises a link for communicating a dollar amount of a transaction between the keypad and the customer-interaction circuit.
4. (Once Amended) The transaction system of claim 1 , wherein the keypad comprises a display.
5. (Once Amended) The transaction system of claim 1 , wherein the customer-interaction circuit comprises accessories including one from the following set of accessories: smart-card reader, magnetic-strip reader and biometric -information circuit, check reader and receipt printer.
6. (Once Amended) The transaction system of claim 1 , wherein the customer-interaction circuit comprises a port for connecting via a communications link to a remote service provider.
7. (Once Amended) The transaction system of claim 6, wherein the transaction system comprises only one port for connecting via a communications link to any remote service provider.
8. (Once Amended) The transaction system of claim 1 , wherein the customer-interaction circuit comprises a virtual PIN pad.
9. (Once Amended) The transaction system of claim 8, wherein the customer-interaction circuit is programmed to capture a personal identification number (PIN) by means of the virtual PIN pad.
10. (Once Amended) The transaction system of claim 1 , wherein the customer -interaction circuit comprises virtual paper.
1 1. (Once Amended) The transaction system of claim 10, wherein the customer-interaction circuit is programmed to capture a signature by means of the virtual paper.
12. (Once Amended) A point of sale comprising: a cash register; and the transaction system of claim 1 , wherein the cash register and the transaction system are co-located but are not communicatively coupled.
13. (Once Amended) A method for authorizing a transaction at a POS location, the method comprising: engaging in a transaction at a POS location, thereby generating a dollar amount for the transaction; entering that transaction dollar amount into a keypad; then communicating the transaction dollar amount from the keypad to a customer-interaction circuit; then communicating details of the transaction, including the dollar amount, to a remote service provider for authorization; and during the step of entering and both steps of communicating, interacting with the customer at the customer- interaction circuit.
14. The method of claim 13, wherein, between the steps of communicating, the following step is performed: displaying the transaction dollar amount to the customer- interaction circuit for the customer; and receiving approval from the customer for the transaction dollar amount.
15. (New) The method of claim 13, wherein the step of communicating details comprises: communicating transaction details to a payment processor.
PCT/US2001/024150 2000-07-31 2001-07-31 An interactive pos transaction system WO2002011039A2 (en)

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