Remote handheld payment device and method

• US 20090039150A1
• Filed: 08/06/2007
• Published: 02/12/2009
• Est. Priority Date: 08/06/2007
• Status: Abandoned Application

• Current Assignee: Isaac Lay
• Original Assignee: Isaac Lay
• Inventors: Lay, Isaac
• Application Number:
  US11/890,556
• Publication Number:
  US 20090039150A1
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Embodiments of the present invention provide a remote payment device that is simple, versatile, and easy to use, accepts payments by charge cards or cash, and handles a split-check scenario in a simple and flexible manner. In one embodiment, a remote payment device for processing payment of a bill to allow payment to be shared by a plurality of customers comprises a charge card reading unit configured to read account information from a charge card; a data input unit for a user to enter data; a display unit; and a processor configured to process account information read from the charge card reading unit and data received from the data input unit and to display information on the display unit. The processor is configured to prompt entry of data by the data input unit to specify a number of one or more customers to make payment of a bill, and to allow each customer to specify any amount of the bill to pay and any amount of a tip to be added and a method of payment.

Claims

1. A remote payment device for processing payment of a bill to allow payment to be shared by a plurality of customers, the remote payment device comprising:

a charge card reading unit configured to read account information from a charge card;

a data input unit for a user to input data;

a display unit; and

a processor configured to process account information read from the charge card reading unit and data received from the data input unit and to display information on the display unit, the processor being configured to prompt entry of data by a customer via the data input unit, said data specifying a number of one or more customers to make payment of a bill and then allowing each of said one or more customers to specify a method of payment, an amount of the bill to pay, and any amount of a tip to be added.

2. The remote payment device of claim 1 wherein the processor is configured to allow each of said one or more customers to specify an amount of the bill to pay by allowing each of said one or more customers to select, via the data input unit, any items of the bill to pay, said processor thereafter summing the items entered by the customer to calculate a total from the bill to be paid by said customer.

3. The remote payment device of claim 1 wherein the processor is configured to allow each of said one or more customers to specify any amount of tax to be added for payment.

4. The remote payment device of claim 1 wherein the processor is configured to allow each of said one or more customers to specify any amount of a tip to be added by specifying a dollar amount of the tip or a percentage of the portion of the bill to be paid as the tip.

5. The remote payment device of claim 1 wherein the processor is configured to display on the display unit a payment summary for each of said one or more customers, said payment summary including a method of payment and an amount specified to be paid.

6. The remote payment device of claim 5 wherein when a payment method is by a charge card, the display unit will display the last four digits on the charge card.

7. The remote payment device of claim 5 wherein the processor is configured to calculate and display on the display unit any remaining amount of the bill that still needs to be paid.

8. The remote payment device of claim 1 wherein for payment by a debit card, the processor is configured to prompt the customer to enter a PIN number using the data input unit.

9. The remote payment device of claim 1 wherein for payment by a credit card, the processor is configured to prompt the customer to place the credit card in a slot on the remote payment device.

10. The remote payment device of claim 1 wherein for payment by cash, the processor is configured to prompt entry of a cash amount to be provided by the customer, and wherein any excess cash provided by the customer is to be returned as change.

11. The remote payment device of claim 10 wherein the processor is configured to calculate the change to be returned to the customer.

12. The remote payment device of claim 1 further comprising a wireless interface to communicate payment information wirelessly with a central payment processing station.

13. A remote payment device for processing payment of a bill shared by a plurality of customers, the remote payment device comprising:

a charge card reading unit configured to read account information from a charge card;

a data input unit for a user to input data;

a display unit; and

a processor configured to process account information read from the charge card reading unit and data received from the data input unit and to display information on the display unit, the processor being configured to allow each customer in the plurality to specify a method of payment and any amount of the bill to pay, and any tip to be added.

14. The remote payment device of claim 13 wherein the processor is configured to allow each customer to specify any amount of a tip to be added by specifying a dollar amount of the tip or a percentage of the portion of the bill to be paid as the tip.

15. The remote payment device of claim 13 wherein the processor is configured to allow each of said one or more customers to specify any amount of tax to be added for payment

16. The remote payment device of claim 13 wherein the processor is configured to display on the display unit a payment summary for each customer in the plurality, said summary including an amount specified by said customer to be paid and a total amount of any tip.

17. A method of remotely processing payment of a bill to allow payment to be shared by a plurality of customers, the method comprising:

prompting entry of a number of one or more customers to make payment of a bill; and

prompting entry of data for each customer to specify any amount of the bill to pay without regard to items on the bill ordered or consumed by the customer and any amount of a tip to be added and a method of payment.

18. The method of claim 17 wherein prompting entry of data for each customer to specify any amount of the bill to pay comprises:

receiving from the customer data specifying any items of the bill to pay; and

summing the items specified by the customer to calculate a total from the bill to be paid by the customer.

19. The method of claim 17 wherein prompting of entry of data for each customer comprises:

each customer specifying any amount of a tip to be added by either specifying a specific dollar amount of the tip or a percentage of the portion of the bill to be paid as the tip.

20. The method of claim 17 wherein the prompting of entry of data for each customer comprises:

each customer specifying any amount of tax to be added for payment.

21. The method of claim 17 further comprising:

displaying a payment summary for each customer on the display unit, said summary including a method of payment, an amount specified by each customer to be paid and any amount of a tip to be added; and

allowing the customer to edit the amount before finalizing payment.

22. The method of claim 21 wherein the payment summary includes displaying a customer name and the last four digits on a charge card when the method of payment is by a charge card.

23. The method of claim 21 further comprising:

calculating and displaying any remaining amount of the bill that needs to be paid after each customer specifies an amount of the bill to be paid.

24. The method of claim 21 further comprising communicating payment information wirelessly with a central payment processing station.

25. The method of claim 21 further comprising, for a method of payment by cash, prompting entry of a cash amount to be provided by the customer, wherein any excess cash provided by the customer is to be returned as change.

26. The method of claim 25 further comprising calculating the change to be returned to the customer.

27. A remote payment device for processing multiple payments on a single bill shared by a plurality of customers, the remote payment device comprising:

a charge card reading unit configured to read account information from a charge card;

a data input unit for a user to input data;

a display unit; and

a processor configured to process account information read from the charge card reading unit and data received from the data input unit and to display information on the display unit,

wherein the remote payment device is configured to receive input data specifying a number of one or more customers making payment on the single bill, and input data from each of said number of one or more customers specifying a method of payment, an amount of the bill to pay, and any amount of a tip to be added; and

further wherein the remote payment device automatically calculates and displays any remaining amount of the bill that needs to be paid after each of said number of one or more customers inputs data specifying the method of payment, the amount of the bill to pay, and the amount of any tip to be added.

28. The remote payment device of claim 27, wherein the processor is configured to allow each of said number of one or more customers to specify any amount of the bill to pay by allowing each of said number of one or more customers to select specific items of the single bill to be paid and thereafter summing the total for those items selected in order to determine the total from the bill to be paid by each of said number of one or more customers.

29. The remote payment device of claim 27, wherein the device is configured to allow each of said number of one or more customers to specify any amount of the bill to pay by inputting a specific dollar amount of the bill to be paid by each of said number of one or more customers.

30. The remote payment device of claim 27, wherein the device is configured to allow each of said number of one or more customers to specify any amount of a tip to be added by specifying either a dollar amount for such tip or a percentage of a portion of the bill to be paid as the tip.

31. The remote payment device of claim 27, wherein the processor is configured to display on the display unit a payment summary for each of said one or more customers, said payment summary including a total amount paid on the bill, each individual amount specified by each of said number of one or more customers to be paid, and a total amount of any tip.

32. The remote payment device of claim 27, further comprising a wireless interface to communicate payment information for each of said number of one or more customers wirelessly with a central payment processing station.