Shopper identification via tender

• US 20060206435A1
• Filed: 03/14/2005
• Published: 09/14/2006
• Est. Priority Date: 03/14/2005
• Status: Abandoned Application

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Johnson, David Lee, Hoblit, Robert S.
• Application Number:
  US11/079,360
• Publication Number:
  US 20060206435A1
• Time in Patent Office: Days
• US Class Current: 705/65
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

A method and system for purchasing products through a government assistance program such as WIC is presented. After all WIC and non-WIC qualified items are scanned at a store'"'"'s check-out station, a WIC eligible participant tenders a WIC smart card. The WIC smart card identifies the eligible user, and also selectively tenders a governmental payment credit for only the WIC qualified items.

Claims

1. A method comprising:

scanning a plurality of items at a check-out station in a store; and

upon completion of the scanning of all of the items at the check-out station, using a government assistance card to identify an eligible participant in a government assistance program, and subsequently receiving a tender for at least some of the items from the government assistance card, wherein the government assistance card provides access to a listing identifying which of the scanned items are qualified items that will be paid for by a government assistance program.

2. The method of claim 1, further comprising:

providing the listing of scanned qualified items to the eligible participant that is using the government assistance card, wherein the eligible participant is provided a option to forego purchasing an unauthorized item that is not on the listing of qualified items but has been scanned at the check-out station.

3. The method of claim 2, wherein the authorized user may choose to forego purchasing an authorized item that is on the listing of qualified items and has been scanned at the check-out station, such that the authorized item not purchased does not debit against an assistance account of the authorized user.

4. The method of claim 1, wherein the government assistance card is a smart card, and wherein the method further comprises:

receiving, upon the completion of the scanning of all of the items, the smart card in a smart card reader located at the check-out station, wherein the smart card contains information regarding which scanned items will be paid for by the government assistance program.

5. The method of claim 4, wherein a determination of which scanned items will be paid for by the government assistance program is based on a type and size of a product that was scanned, and whether the eligible participant using the government assistance card has exceeded an allotment for the product that was scanned.

6. The method of claim 1, wherein the government assistance card is a magnetic card that identifies the eligible participant in the government assistance program, the method further comprising:

upon the completion of the scanning of all the items, polling a remote database for the listing of which scanned items are qualified items that will be paid for by the government assistance program.

7. The method of claim 2, wherein the eligible participant is verified by an entry of a Personal Identification Number (PIN) onto a keypad located at the check-out station.

8. A system comprising:

a scanner for scanning a plurality of items at a check-out station in a store; and

a card reader for, upon completion of the scanning of all the items at the check-out station, reading a government assistance card to identify an eligible participant in a government assistance program, and subsequently receiving a tender for at least some of the items from the government assistance card, wherein the government assistance card provides access to a listing identifying which of the scanned items are qualified items that will be paid for by a government assistance program.

9. The system of claim 8, further comprising:

a display for providing the listing of scanned qualified items to the eligible participant that is using the government assistance card, wherein the eligible participant is provided an option to forego purchasing an unauthorized item that is not on the listing of qualified items but has been scanned at the check-out station.

10. The system of claim 8, further comprising:

a printer for providing the listing of scanned qualified items to the eligible participant that is using the government assistance card, wherein the eligible participant is provided an option to forego purchasing an unauthorized item that is not on the listing of qualified items but has been scanned at the check-out station.

11. The system of claim 8, wherein the government assistance card is a smart card, and wherein the system further comprises:

a smart card read for, upon the completion of the scanning of all the items, reading the smart card at the check-out station, wherein the smart card contains information regarding which scanned items will be paid for by the government assistance program.

12. The system of claim 11, wherein a determination of which scanned items will be paid for by the government assistance program is based on a type and size of a product that was scanned, and whether the eligible participant using the government assistance card has exceeded an allotment for the product that was scanned.

13. The system of claim 8, further comprising:

a magnetic card reader for reading a magnetic card, wherein the government assistance card is the magnetic card that identifies the eligible participant in the government assistance program; and

a network interface for, upon the completion of the scanning of all of the items, polling a remote database for the listing of which scanned items are qualified items that will be paid for by the government assistance program.

14. The system of claim 9, wherein the eligible participant is verified by an entry of a Personal Identification Number (PIN) onto a keypad located at the check-out station.

15. A computer program product, residing on a computer usable medium, comprising:

program code for scanning a plurality of items at a check-out station in a store; and

program code for, upon completion of the scanning of all of the items at the check-out station, using a government assistance card to identify an eligible participant in a government assistance program, and subsequently receiving a tender for at least some of the items from the government assistance card, wherein the government assistance card provides access to a listing identifying which of the scanned items are qualified items that will be paid for by a government assistance program.

16. The computer program product of claim 15, further comprising:

program code for providing the listing of scanned qualified items to the eligible participant that is using the government assistance card, wherein the eligible participant is provided a option to forego purchasing an unauthorized item that is not on the listing of qualified items but has been scanned at the check-out station.

17. The computer program product of claim 16, wherein the authorized user may choose to forego purchasing an authorized item that is on the listing of qualified items and has been scanned at the check-out station, such that the authorized item not purchased does not debit against an assistance account of the authorized user.

18. The computer program product of claim 15, wherein the government assistance card is a smart card, and wherein the computer program product further comprises:

program code for receiving, upon the completion of the scanning of all of the items, the smart card in a smart card reader located at the check-out station, wherein the smart card contains information regarding which scanned items will be paid for by the government assistance program.

19. The computer program product of claim 18, wherein a determination of which scanned items will be paid for by the government assistance program is based on a type and size of a product that was scanned, and whether the eligible participant using the government assistance card has exceeded an allotment for the product that was scanned.

20. The computer program product of claim 15, wherein the government assistance card is a magnetic card that identifies the eligible participant in the government assistance program, the computer program product further comprising:

program code for, upon the completion of the scanning of all of the items, polling a remote database for the listing of which scanned items are qualified items that will be paid for by the government assistance program.