Electronic fund transfer or transaction system
2 Assignments
0 Petitions
Accused Products
Abstract
An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired transaction by a single selection or with limited inputs. The transactions may be defined by a user during a set-up/authorization operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in a local memory of a transaction terminal and/or in a system memory of the EFT system. A single identification card may be used to enable the user to select from a plurality of financial accounts with different institutions. Another asset of an ATM system and method comprises a graphical user interface that enables a user to select a transaction type and the transaction parameters necessary to define that transaction from a single display. By use of a pointing device (and possibly other input devices), the user can select or change selections for the transaction type and/or transaction parameters. Preferably, the display is created using object-oriented programming and has a plurality of objects corresponding to the transaction type and transaction parameters. Using the pointing device, the user selects the transaction type. Once the transaction type is selected, the transaction parameters necessary to define the selected transaction type are selected. The ATM system may preselect transaction types and/or transaction parameters based on stored information relating to the user (such as a previous transaction or other information). If the selections are as the user desires them to be for the desired transaction, then the user can simply click on a command button (e.g. a button labeled “OK”) to cause the transaction to be executed. This potentially reduces the number of inputs or selections that a user must make to execute a desire transaction.
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Citations
45 Claims
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1-18. -18. (canceled)
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19. A system for automatically providing customer preferences during a fuelifig operation comprising:
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a) a fuel dispenser with an audio/visual customer interface having a display and audio system;
b) wireless communication electronics associated with said fuel dispenser and adapted to receive signals including indicia from remote communication units; and
c) a control system and memory associated with said communication electronics and said customer interface;
d) said control system adapted to receive the indicia from a remote communication unit and provide a customer with select information predefined by the customer at said customer interface, said select information being selected by the customer and associated with the remote communication unit prior to the transaction. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 45)
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36. A system for automatically preventing presentment of information based on customer preferences during a fueling operation comprising:
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a) a fuel dispenser with a customer interface adapted to present information to a customer during a transaction;
b) wireless communication electronics associated with said fuel dispenser and adapted to receive signals including indicia from remote communication units; and
c) a control system and memory associated with said communication electronics and said customer interface;
d) said control system adapted to present said select information at said customer interface;
e) said control system adapted to receive the indicia from a remote communication unit and prevent presentment of select information at said customer interface, said select information being selected by the customer and associated with the remote communication unit prior to the transaction. - View Dependent Claims (37, 38)
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39. An interrogation system associated with a fuel dispensing system for automatically providing customer preferences during a fueling operation, said system comprising:
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a) a customer transaction interface associated with an interrogator for communicating with transponders; and
b) a control system and memory associated with said interrogator;
c) said control system adapted to interrogate a remote communication unit with said interrogator during a transaction and provide select types of information predefined by the customer at said customer interface, said select types of information being selected by the customer and associated with the remote communication unit prior to the transaction. - View Dependent Claims (40, 41)
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42. A method for automatically providing customer preferences during a fueling operation comprising:
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a) receiving indicia from a remote communication unit in association with a fueling transaction;
b) determining select types of information predefined by the customer using the indicia received from the remote communication unit, the select types of information being selected by the customer and associated with the remote communication unit prior to the fueling transaction;
c) accessing information defined by the select types of information; and
d) providing the information to the customer during a transaction. - View Dependent Claims (43, 44)
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Specification