Portable point of sale systems and methods

• US 20070205275A1
• Filed: 03/06/2006
• Published: 09/06/2007
• Est. Priority Date: 03/06/2006
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Mathison, Steve, Nicola, John
• Application Number:
  US11/370,202
• Publication Number:
  US 20070205275A1
• Time in Patent Office: Days
• US Class Current: 235/383
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices

Abstract

End-to-end transaction processing systems and methods provide for calculating an amount of a transaction, capturing a presentation instrument information from a customer presentation instrument with a portable POS device, transmitting the presentation instrument information to a PC-based POS system, and transmitting the presentation instrument information, a sales information, and an authorization request to an acquirer, transmitting the presentation information, the sales information, and the authorization request to an issuer, processing the presentation information, the sales information, and the authorization request to determine an approval or a denial, transmitting the approval or the denial to the acquirer; and transmitting the approval or the denial to the PC-based POS system.

Claims

1. A method of processing a transaction, comprising:

reading a unique identifier from an information storage medium of a presentation instrument with a portable point of sale device;

transmitting the unique identifier from the portable point of sale device to a PC-based point of sale system according to a wireless network protocol;

transmitting the unique identifier from the PC-based point of sale system to a host computer system;

processing the transaction with the host computer system based on the unique identifier;

transmitting an authorization request to an issuing entity to obtain an authorization response, wherein authorization request is based on the processed transaction; and

transmitting the authorization response to the portable point of sale device.

2. The method according to claim 1, wherein the unique identifier is transmitted from the PC-based point of sale base terminal to the host computer system via a non-wireless transaction processing network.

3. The method according to claim 1, comprising displaying transaction information on the portable point of sale device.

4. The method according to claim 1, comprising accepting a customer payment authorization with the portable point of sale device.

5. The method according to claim 1, wherein the presentation instrument comprises a member selected from the group consisting of a PIN debit instrument, a signature debit instrument, a credit instrument, or a stored value instrument.

6. The method according to claim 1, wherein the unique identifier from the portable point of sale device is transmitted to the PC-based point of sale system according to a protocol selected from the group consisting of a Bluetooth protocol, a Wireless Fidelity (WiFi) protocol, a Worldwide Interoperability for Microwave Access (WiMax) protocol, and a cellular data protocol.

7. The method according to claim 1, comprising reading the unique identifier with a reader of the portable point of sale device, wherein the reader comprises a member selected from the group consisting of a smart card reader, a magnetic strip reader, a bar code reader, a Radio Frequency reader, and a Near Field Communication reader.

8. A method of processing a transaction, comprising:

reading a unique identifier from an information storage medium of a presentation instrument with a portable point of sale device;

transmitting the unique identifier from a cellular data modem of the portable point of sale device to host computer system; and

processing the transaction with the host computer system based on the unique identifier.

9. The method according to claim 8, comprising displaying transaction information on the portable point of sale device.

10. The method according to claim 8, comprising accepting a customer payment authorization with the portable point of sale device.

11. The method according to claim 8, wherein the presentation instrument comprises a member selected from the group consisting of a PIN debit instrument, a signature debit instrument, a credit instrument, and a stored value instrument.

12. The method according to claim 8, wherein the unique identifier from the portable point of sale device is transmitted to the PC-based point of sale system according to a cellular data protocol.

13. The method according to claim 8, comprising reading the unique identifier with a reader of the portable point of sale device, wherein the reader comprises a member selected from the group consisting of a smart card reader, a magnetic strip reader, a bar code reader, a Radio Frequency reader, and a Near Field Communication reader.

14. A system for processing a transaction, comprising:

a portable point of sale device comprising;

an input for receiving a unique identifier from an information storage medium of a presentation instrument, and

a first wireless communication module;

a PC-based point of sale system comprising;

an input for receiving the unique identifier from the information storage medium of the presentation instrument, and

a second wireless communication module configured to communicate with the first wireless communication module via a wireless network protocol such that the unique identifier can be wirelessly transmitted from the portable point of sale device to the PC-based point of sale, and

a host computer system configured to receive the unique identifier from the PC-based point of sale system and to process a transaction based on the unique identifier.

15. The system according to claim 14, wherein the portable point of sale device is configured to accept a presentation instrument selected from the group consisting of a PIN debit instrument, a signature debit instrument, a credit instrument, and a stored value instrument.

16. The system according to claim 14, wherein the portable point of sale device is configured to prompt a user for a PIN number.

17. The system according to claim 14, wherein the wireless network protocol comprises a cellular data protocol selected from the group consisting of a Cellular Digital Packet Data (CDPD) protocol, a General Packet Radio Service (GSM/GPRS) protocol, and a Code Division Multiple Access (CDMA) protocol.

18. The system according to claim 14, wherein the portable point of sale device comprises a PIN pad.

19. The system according to claim 14, wherein the portable point of sale device comprises a member selected from the group consisting of a smart card reader, a magnetic strip reader, a bar code reader, a Radio Frequency reader, and a Near Field Communication reader.

20. A transaction processing method, comprising:

calculating an amount of a transaction;

capturing a presentation instrument information from a customer presentation instrument with a portable POS device;

transmitting the presentation instrument information to a PC-based POS system;

transmitting the presentation instrument information, a sales information, and an authorization request to an acquirer;

transmitting the presentation information, the sales information, and the authorization request to an issuer;

processing the presentation information, the sales information, and the authorization request to determine an approval or a denial;

transmitting the approval or the denial to the acquirer; and

transmitting the approval or the denial to the PC-based POS system.