Payment program for use in point-of-sale transactions
First Claim
1. A method for a card-free program of a merchant performed by a computer system of the merchant, wherein the computer system of the merchant comprises a wide area network (WAN) server, a local area network (LAN) server connected to the WAN server via a wide area network (WAN), and a point of sale device connected to the LAN server via a local area network (LAN), the method comprising:
- maintaining, by the point of sale device, a unique identification code of a purchaser enrolled in a card-free payment program of the merchant;
receiving, by the point of sale device, from the purchaser during a point of sale transaction without requiring presentation of a physical card to the point of sale device, customer selected unique identifying data consisting of an identification component and a security component;
determining, by the point of sale device, the unique identification code matches the identification component of the customer selected unique identifying data;
constructing, by the point of sale device, a unique authorized transaction code comprising the unique identifying data, a transaction identifier identifying the point of sale transaction as a card-free payment, and a transaction descriptor comprising an amount of the point of sale transaction;
transmitting, by the point of sale device to the LAN server, the unique authorized transaction code;
transmitting, by the LAN server to the N server, the unique authorized transaction code;
maintaining, by the WAN server, a security code and financial information of the purchaser enrolled in the card-free payment program the merchant;
determining, by the WAN server, the security code matches the security component of the unique identifying data of the unique authorized transaction code; and
transmitting, by the WAN server to a payment switch, a request for initiation of an ACH transaction.
6 Assignments
0 Petitions
Accused Products
Abstract
In some embodiments, the present application relates to card-free programs provided by a merchant to a customer, whereby the customer has access to functions such as payment options and/or loyalty program benefits without needing to present a physical card at a point of sale. For example, a customer may make a card-free purchase of goods or services from a merchant, whereby the customer need not present a card such as a debit card, credit card, loyalty card, or other physical tender to make a purchase. Further, the customer need not provide biometric data or otherwise use an electronic device or identifier to make a purchase. Alternatively or additionally, the customer may access a loyalty program without needing to provide a physical card or data associated with a card.
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Citations
20 Claims
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1. A method for a card-free program of a merchant performed by a computer system of the merchant, wherein the computer system of the merchant comprises a wide area network (WAN) server, a local area network (LAN) server connected to the WAN server via a wide area network (WAN), and a point of sale device connected to the LAN server via a local area network (LAN), the method comprising:
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maintaining, by the point of sale device, a unique identification code of a purchaser enrolled in a card-free payment program of the merchant; receiving, by the point of sale device, from the purchaser during a point of sale transaction without requiring presentation of a physical card to the point of sale device, customer selected unique identifying data consisting of an identification component and a security component; determining, by the point of sale device, the unique identification code matches the identification component of the customer selected unique identifying data; constructing, by the point of sale device, a unique authorized transaction code comprising the unique identifying data, a transaction identifier identifying the point of sale transaction as a card-free payment, and a transaction descriptor comprising an amount of the point of sale transaction; transmitting, by the point of sale device to the LAN server, the unique authorized transaction code; transmitting, by the LAN server to the N server, the unique authorized transaction code; maintaining, by the WAN server, a security code and financial information of the purchaser enrolled in the card-free payment program the merchant; determining, by the WAN server, the security code matches the security component of the unique identifying data of the unique authorized transaction code; and transmitting, by the WAN server to a payment switch, a request for initiation of an ACH transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A computer system for a card-free program of a merchant, wherein the computer system of the merchant comprises:
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a wide area network (WAN) server, a local area network (LAN) server connected to the WAN server via a wide area network (WAN), and a point of sale device connected to the LAN server via a local area network (LAN); wherein the point of sale device is configured to i) maintain a unique identification code of a purchaser enrolled in a card-free payment program of the merchant, ii) receive, from the purchaser during a point of sale transaction without requiring presentation of a physical card to the point of sale device, customer selected unique identifying data consisting of an identification component and a security component, iii) determine the unique identification code matches the identification component of the customer selected unique identifying data, iv) construct a unique authorized transaction code comprising the unique identifying data, a transaction identifier identifying the point of sale transaction as a card-free payment, and a transaction descriptor comprising an amount of the point of sale transaction and v) transmit the unique authorized transaction code to the LAN server; wherein the LAN server is configured to; i) transmit the unique authorized transaction code to the WAN server; wherein the WAN server is configured to; i) maintain a security code and financial information of the purchaser enrolled in the card-free payment program of the merchant; ii) determine the security code matches the security component of the unique identifying data of the unique authorized transaction code; and iii) transmit a request for initiation of an ACH transaction to a payment switch. - View Dependent Claims (17, 18, 19, 20)
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Specification