TOKENLESS VENDING SYSTEM

• US 20020099608A1
• Filed: 10/27/1999
• Published: 07/25/2002
• Est. Priority Date: 10/27/1999
• Status: Abandoned Application

• Current Assignee: FreedomPay, Inc.
• Original Assignee: FreedomPay, Inc.
• Inventors: PONS, ROBERT M., DUROVSIK, THOMAS E.
• Application Number:
  US09/427,804
• Publication Number:
  US 20020099608A1
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/403 Solvency checks

Abstract

A method of and apparatus for tokenless vending, and tokenless shopping enable an account holder to buy goods and services without having to be in possession of cash, cards, or any other physical token of value or identity. To make a purchase, the purchaser simply inputs his account number and password on a keypad at a vending machine or other point of sale. The point of sale equipment transmits the account code and password to a central server. The server determines whether the said at least one code input by the purchaser agrees with the at least one identifying code associated with an active account. The vendor system confirms, either at the server or at the point of sale, that the price of the desired goods or services does not exceed the available credit on the purchaser'"'"'s account. If all is in order, the goods or services are provided to the purchaser at the point of sale, and the server reduces the available credit on the account accordingly.

Claims

1. A method of tokenless vending, comprising the steps of:

providing a plurality of points of sale available to the general public;

providing a central server, the points of sale being capable of communicating with the server;

establishing accounts for potential purchasers;

establishing credit limits for such accounts;

establishing at least one identifying code associated with each such account;

storing details of the accounts, including the said at least one identifying code for each account, at the server;

receiving from a potential purchaser at one of the points of sale at least one input code, without receiving any such code from a token, and an indication of at least one desired good or service;

transmitting the said at least one input code to the server;

determining whether the said at least one input code agrees with the at least one identifying code associated with an active said account;

if so, confirming that the price of the at least one good or service does not exceed the credit limit on the account;

if confirmed, providing the at least one good or service at the point of sale, and reducing the credit limit on the account accordingly.

2. The method of claim 1, wherein the point of sale is a vending machine.

3. The method of claim 1, wherein the said at least one identifying code comprises an account number and a password.

4. The method of claim 1, wherein the point of sale is provided with a device having areas that correspond to characters making up such a code and are responsive to being pressed, and the step of receiving the at least one identifying code comprises responding to those areas being pressed.

5. The method of claim 4, wherein the device having areas corresponding to characters is a keypad.

6. A method of tokenless shopping, comprising the steps of:

establishing an account with an operator who provides a plurality of points of sale and a central server, the points of sale being available for the use of the general public and capable of communicating with the server;

establishing a credit limit for the account;

establishing at least one identifying code associated with each such account;

inputting at one of the points of sale the said at least one identifying code, without providing a token bearing such code, and an indication of at least one desired good or service;

waiting while the point of sale transmits the input code to the server, the server confirms that the input code agrees with the at least one identifying code associated with the said account, the account is active, and the price of the at least one good or service does not exceed the credit limit on the account; and

receiving the at least one good or service at the point of sale.

7. The method of claim 6, wherein the point of sale is a vending machine.

8. The method of claim 6, wherein the said at least one identifying code comprises an account number and a password.

9. The method of claim 6, wherein the point of sale is provided with a device having areas that correspond to characters making up such a code and are responsive to being pressed, and the step of inputting the at least one identifying code comprises pressing selected ones of those areas.

10. The method of claim 6, wherein the device having areas corresponding to characters is a keypad.

11. Apparatus for tokenless vending, comprising:

a central server arranged to store details of accounts for potential purchasers, including credit limits for such accounts and at least one identifying code associated with each such account; and

a plurality of points of sale available for the use of the general public and capable of communicating with the server, the points of sale being arranged to receive from a potential purchaser at least one input code, without receiving any such code from a token, and an indication of at least one desired good or service, and to transmit the said at least one input code to the server;

the server being arranged to determine whether the said at least one input code agrees with the at least one identifying code associated with a said account, if so, to confirm that the account in question is active;

the apparatus further being arranged to confirm that the price of the at least one good or service does not exceed the credit limit on the account in question;

the point of sale being arranged to provide the at least one good or service; and

the server being arranged to reduce the credit limit on the account in question according.

12. The apparatus of claim 11, wherein the point of sale is a vending machine.

13. The apparatus of claim 11, wherein point of sale comprises a device having pressure sensitive areas corresponding to characters making up such a code.

14. The apparatus of claim 13, wherein the device having areas corresponding to characters is a keypad.

16. The vending machine of claim 15, wherein the communications device is arranged to transmit to the server the price of the desired goods.

17. The vending machine of claim 15, wherein the communications device is arranged to receive from the server an indication of a credit limit, and the vending machine comprises a processor arranged to compare the price of the desired goods with the credit limit, to cause the dispensing mechanism to provide the goods to the purchaser only if the price does not exceed the credit limit, and to transmit to the server the price of the goods actually provided.

15. A tokenless vending machine accessible to the general public and comprising:

a stock of goods for sale to members of the public;

a data input device for receiving from a potential purchaser at least one input code, without receiving any such code from a token, and an indication of at least one desired good or service;

a communications device capable of communicating with the server, and arranged to transmit the said at least one input code to a remote server, and to receive messages from the server; and

a dispensing mechanism arranged to provide the desired goods to the purchaser upon receipt of an appropriate message from the server.