Point-of-sale transaction system

• US 20020195485A1
• Filed: 06/21/2001
• Published: 12/26/2002
• Est. Priority Date: 06/21/2001
• Status: Abandoned Application

• Current Assignee: Daniel Guy Pomerleau, Dusty Keashly
• Original Assignee: Daniel Guy Pomerleau, Dusty Keashly
• Inventors: Keashly, Dusty, Pomerleau, Daniel Guy
• Application Number:
  US09/885,050
• Publication Number:
  US 20020195485A1
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The invention relates to a portable point-of-sale transaction method and system allowing information from a cheque to be scanned for reporting to a cheque clearing service. In particular, the system includes a portable scanner for scanning information relating to a transaction, a portable point-of-sale terminal (POST) for receiving the information, for reporting information to a transaction approval service and for receiving transaction approval or denial from the transaction approval service.

Claims

1. A point-of-sale transaction system comprising:

a portable scanner for scanning information relating to a transaction;

a portable point-of-sale terminal (POST) in operative communication with the portable scanner for receiving the information, the POST also for reporting information to a transaction approval service and for receiving transaction approval or denial from the transaction approval service

wherein any one of or a combination of the portable scanner or POST formats the information for reporting to transaction approval service.

2. A point-of-sale transaction system as in claim 1 wherein the scanner is in operative communication with the POST via a wireless link.

3. A point-of-sale transaction system as in claim 1 wherein the scanner includes:

a processor operatively connected to a reader for processing scanned information and wherein the scanned information is any one of or a combination of text, code or handwriting on a cheque;

an interface operatively connected to the processor for operative communication with the POST; and

,

wherein the processor receives a digital image of the text, code and/or handwriting information and formats the text, code and/or handwriting information for sending to the POST via the interface.

4. A point-of-sale transaction system as in claim 3 wherein the scanned information is the routing code from a cheque and the processor converts a digital image of the routing code to a formatted string.

5. A point-of-sale transaction system as in claim 4 wherein the processor compares the formatted string to a library of jurisdictional codes to determine if the formatted string corresponds to a jurisdictional code.

6. A point-of-sale transaction system as in claim 3 wherein the scanner includes a display operatively connected to the processor for displaying instructions or information to a user relating to the transaction.

7. A point-of-sale transaction system as in claim 3 wherein the POST includes a card reader for reading information from any one of or a combination of a debit card, credit card or smart card.

8. A point-of-sale transaction system comprising:

a portable scanner for scanning information relating to a transaction;

the scanner including

a processor operatively connected to a reader for processing scanned information and wherein the scanned information is any one of or a combination of text, code or handwriting;

an interface operatively connected to the processor;

a display operatively connected to the processor for displaying instructions or information to a user relating to the transaction; and

,

wherein the processor receives a digital image of the text, code and/or handwriting information and formats the text, code and/or handwriting;

a portable point-of-sale terminal (POST) in operative communication with the portable scanner via a wireless link, the POST for receiving the scanned information, the POST also for reporting information to a transaction approval service and for receiving transaction approval or denial from the transaction approval service.

9. A method of obtaining approval for a cheque transaction between a payor and a payee comprising the steps of:

a) scanning cheque information from a cheque with a portable scanner;

b) reporting the scanned cheque information to a point-of-sale terminal (POST);

c) establishing an operative connection between the POST and a cheque clearing service;

d) transferring the scanned cheque information to the cheque clearing service; and

,

e) receiving transaction approval or denial at the POST from the cheque clearing service.

10. A method as in claim 9 further comprising the step of printing a receipt at the POST.

11. A method as in claim 9 wherein the portable scanner includes a processor and wherein after step a) the processor compares a scanned code with a library of jurisdictional codes to determine if the formatted string corresponds to a jurisdictional code.

12. A method as in claim 9 wherein a payee enters the amount of the transaction into the POST or scanner for formatting and reporting to the cheque clearing service.

13. A method of obtaining approval for a cheque transaction between a payor and a payee comprising the steps of:

a) scanning cheque information from a cheque with a portable scanner wherein the cheque information includes any one of or a combination of text, code or handwriting;

b) entering a transaction amount on the POST;

c) reporting the scanned cheque information to a point-of-sale terminal (POST);

d) establishing an operative connection between the POST and a cheque clearing service;

e) transferring the scanned cheque information and the transaction amount to the cheque clearing service; and

,

f) receiving transaction approval or denial at the POST from the cheque clearing service.