Making cashless purchases without identifying the purchase's payment account
First Claim
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1. A method for performing cashless transactions, comprising the steps:
- transmitting information identifying a purchaser of a product without identifying a payment account for the purchaser;
receiving the transmitted identifying information at a central processing point;
processing the received identifying information at the central processing point to determine if the purchaser is a registered purchaser;
transmitting a notice confirming registration, from the central processing point, if the purchaser is determined to be a registered purchaser;
receiving the transmitted notice at the point of purchase; and
generating, at the point of purchase, a bill for the purchased product responsive to receipt of the notice.
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Abstract
Cashless transactions are performed by transmitting information identifying a purchaser of a product without identifying a payment account for the purchaser. The transmitted identifying information is received at a central processing point and processed to determine if the purchaser is a registered purchaser. A notice confirming registration, which may take the form of a purchase authorization, is transmitted from the central processing point if the purchaser is determined to be registered. The transmitted notice is received at the point of purchase and a bill is generated for the purchased product responsive to receipt of the notice.
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Citations
31 Claims
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1. A method for performing cashless transactions, comprising the steps:
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transmitting information identifying a purchaser of a product without identifying a payment account for the purchaser;
receiving the transmitted identifying information at a central processing point;
processing the received identifying information at the central processing point to determine if the purchaser is a registered purchaser;
transmitting a notice confirming registration, from the central processing point, if the purchaser is determined to be a registered purchaser;
receiving the transmitted notice at the point of purchase; and
generating, at the point of purchase, a bill for the purchased product responsive to receipt of the notice. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A cashless transaction network, comprising:
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a central processing station configured to receive information identifying a purchaser of a product without identifying a payment account for the purchaser, to process the received identifying information to determine if the purchaser is a registered purchaser, and to transmit a notice confirming registration if the purchaser is determined to be a registered purchaser; and
a point of sale station configured to receive the transmitted notice, and to generate a bill for the purchased product responsive to the receipt of the notice. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
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28. A system for cashless transaction system, comprising:
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a processor configured to receive information identifying a purchaser of a product to be purchased from any one of a plurality of different sellers, without identifying a payment account for the purchaser, to transmit a purchase authorization, to receive a bill corresponding to a purchase price of the product, to generate billing information representing the received bill; and
a memory configured to store the billing information so as to be accessible to the purchaser on request. - View Dependent Claims (29)
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30. A cashless transaction network, comprising:
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a plurality of point of sale stations representing a plurality of different sellers; and
a central processing station configured to receive information from each of the plurality of point of sale stations, the received information identifying a plurality of different purchasers of different products without identifying payment accounts for the plurality of different purchasers, to process the received identifying information to determine if each of the plurality of purchasers is a registered purchaser, and to transmit notices confirming registration of those of the plurality of purchasers determined to be registered;
wherein the plurality of point of sale stations are configured to receive the transmitted notices, and to generate bills, each representing a purchase price of the one of the respective purchased products being purchased by those of the plurality of purchasers determined to be registered, responsive to receipt of the notices. - View Dependent Claims (31)
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Specification