METHOD FOR RECEIVING CREDIT CARD APPLICATIONS AT A FUEL DISPENSER
First Claim
1. A method for receiving a credit card application at a fuel dispenser without aid from an attendant, the fuel dispenser having a user interface which is only capable of accepting card swipe inputs, numeric inputs and product selection inputs, the method comprising the following steps:
- receiving customer information from an existing credit card through the user interface at the fuel dispenser by swiping an existing credit card;
offering a new credit card application to the customer at the fuel dispenser;
receiving driver'"'"'s license information from the customer'"'"'s driver'"'"'s license through the user interface at the fuel dispenser by electronically inputting data from the customer'"'"'s driver'"'"'s license;
receiving additional numeric customer identification information through the user interface at the fuel dispenser; and
transmitting the customer information from an existing credit card, the driver'"'"'s license information, and the numeric customer identification information to a point of sale (POS) system and then to a credit card authorizing company for review and if approved, issuance of a new credit card account.
2 Assignments
0 Petitions
Accused Products
Abstract
Credit card applications typically involve the help of a third party to input the necessary data required by a credit card issuing agency. Using the present invention, a customer at a fuel dispenser can complete a credit card application and have it approved or denied in a quick and easy transaction, without the need of assistance from a third party. All required data at the fuel dispenser is entered through a user interface which includes card swipe inputs and numeric inputs through a numeric key pad. The customer does not make any alphabetical inputs on a typical keyboard because fuel dispensers do not have keyboards.
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Citations
14 Claims
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1. A method for receiving a credit card application at a fuel dispenser without aid from an attendant, the fuel dispenser having a user interface which is only capable of accepting card swipe inputs, numeric inputs and product selection inputs, the method comprising the following steps:
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receiving customer information from an existing credit card through the user interface at the fuel dispenser by swiping an existing credit card;
offering a new credit card application to the customer at the fuel dispenser;
receiving driver'"'"'s license information from the customer'"'"'s driver'"'"'s license through the user interface at the fuel dispenser by electronically inputting data from the customer'"'"'s driver'"'"'s license;
receiving additional numeric customer identification information through the user interface at the fuel dispenser; and
transmitting the customer information from an existing credit card, the driver'"'"'s license information, and the numeric customer identification information to a point of sale (POS) system and then to a credit card authorizing company for review and if approved, issuance of a new credit card account.
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2. A method for receiving a customer generated credit card application at a fuel dispenser having a user interface which is only capable of accepting card swipe inputs, numeric inputs and production selection inputs, the method comprising the following steps:
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receiving customer information from an existing credit card through the user interface at the fuel dispenser by swiping an existing credit card in order to purchase a fuel;
offering a discount on the present fuel purchase to a successful applicant as an incentive to complete a new credit card application at the fuel dispenser, the offer and the and the credit application being made and completed without the aid of an attendant;
receiving driver'"'"'s license information from the customer'"'"'s driver'"'"'s license through the user interface at the fuel dispenser by swiping the customer'"'"'s driver'"'"'s license;
receiving additional numeric customer identification information through the user interface at the fuel dispenser;
transmitting the customer information from an existing credit card, the driver'"'"'s license information, and the numeric customer identification information from the fuel dispenser to a point of sale (POS) system and then to a credit card authorizing company for review and if approved, issuance of a credit card account; and
applying the discount to the price of the present fuel purchase when paid by the new credit card account.
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3. A method for receiving a credit card application at a fuel dispenser without aid from an attendant, the fuel dispenser having a user interface which is only capable of accepting card swipe inputs, numeric inputs and product selection inputs, the method comprising the following steps:
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receiving customer information from an existing credit card through the user interface at the fuel dispenser by swiping an existing credit card;
offering a new credit card application to the customer at the fuel dispenser;
receiving driver'"'"'s license information from the customer'"'"'s driver'"'"'s license through the user interface at the fuel dispenser by swiping the customer'"'"'s driver'"'"'s license;
receiving additional numeric customer identification information through the user interface at the fuel dispenser;
transmitting the customer information from an existing credit card, the driver'"'"'s license information, and the numeric customer identification information to a point of sale system (POS);
transmitting the customer information from an existing credit card, the driver'"'"'s license information, and the numeric customer identification information from the POS system to a credit card authorizing company;
transmitting the customer information from an existing credit card, the driver'"'"'s license information, and the numeric customer identification information from the credit card authorizing company to a credit bureau for analysis;
receiving a response from the credit bureau at the credit card authorizing company;
sending the response from the credit card authorizing company to the POS system; and
sending an approval or rejection of the credit card application from the POS system to the fuel dispenser. - View Dependent Claims (4, 5, 7, 8, 9)
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6. A method for receiving a credit card application from a customer at a fuel dispenser without aid of an attendant, the fuel dispenser having a card reader, a key pad, a printer and product selectors, without the need of an attendant, the method comprising the following steps:
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receiving data from the customer'"'"'s existing credit card by swiping the existing credit card through the card reader at the fuel dispenser in order to purchase fuel;
offering an immediate discount on the present fuel purchase to a successful applicant as an incentive to complete a credit card application at the fuel dispenser;
receiving the customer'"'"'s driver'"'"'s license number by swiping the customer'"'"'s driver'"'"'s license through the card reader at the fuel dispenser;
retrieving the customer'"'"'s name from an existing credit card that was previously swiped through the card reader at the fuel dispenser;
receiving wholly numeric customer identification information through the key pad at the fuel dispenser; and
transmitting the applicant'"'"'s name, driver'"'"'s license number and wholly numeric applicant identification information from the fuel dispenser to a point of sale (POS) system.
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10. A method for processing a new credit card application at a fuel dispenser without the aid of an attendant, the fuel dispenser having a card reader, a key pad, a printer and product selectors, the method comprising the following steps:
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prompting an applicant to apply for a new credit card at the fuel dispenser;
prompting the applicant to swipe the applicant'"'"'s driver'"'"'s license through the card reader at the fuel dispenser to input the applicant'"'"'s drivers license;
retrieving the applicant'"'"'s name from an existing credit card that was previously swiped through the card reader at the fuel dispenser;
prompting the applicant to enter wholly numeric applicant identification information through the key pad at the fuel dispenser;
transmitting the applicant'"'"'s name, drivers license and wholly numeric applicant identification information to a point of sale (POS); and
transmitting the applicant'"'"'s name, driver'"'"'s license and wholly numeric applicant identification information from the POS system to a credit card authorizing company for credit review and if approved, issuance of a credit card. - View Dependent Claims (11, 12)
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13. A electronically programmable storage media having stored thereon program code executable by a computing device where when said code is executed performs the steps of:
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receiving customer information from an existing credit card through the user interface at the fuel dispenser by swiping an existing credit card;
offering a new credit card application to the customer at the fuel dispenser;
receiving driver'"'"'s license information from the customer'"'"'s driver'"'"'s license through the user interface at the fuel dispenser by swiping the customer'"'"'s driver'"'"'s license;
receiving additional numeric customer identification information through the user interface at the fuel dispenser; and
transmitting the customer information from an existing credit card, the driver'"'"'s license information, and the numeric customer identification information to a point of sale (POS) system and then to a credit card authorizing company for review and if approved, issuance of a new credit card account.
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14. An electronically programmable storage media having stored therein program code executable by a computing device where when said code is executed performs the steps of:
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receiving customer information from an existing credit card through the user interface at the fuel dispenser by swiping an existing credit card in order to purchase a fuel;
offering a discount on the present fuel purchase to a successful applicant as an incentive to complete a new credit card application at the fuel dispenser, the offer and the and the credit application being made and completed without the aid of an attendant;
receiving driver'"'"'s license information from the customer'"'"'s driver'"'"'s license through the user interface at the fuel dispenser by swiping the customer'"'"'s driver'"'"'s license;
receiving additional numeric customer identification information through the user interface at the fuel dispenser;
transmitting the customer information from an existing credit card, the driver'"'"'s license information, and the numeric customer identification information from the fuel dispenser to a point of sale (POS) system and then to a credit card authorizing company for review and if approved, issuance of a credit card account; and
applying the discount to the price of the present fuel purchase when paid by the new credit card account.
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Specification