Retail Point-of-Sale System To Provide A Customized Set of Identification Data To Facilitate A Retail Sales Point-of-Sale Transaction

• US 20090132381A1
• Filed: 01/26/2009
• Published: 05/21/2009
• Est. Priority Date: 05/29/1998
• Status: Active Grant

• Current Assignee: Stripe, Inc.
• Original Assignee: E-Micro Corporation
• Inventors: Gangi, Frank J.
• Granted Patent: US 7,828,208 B2
• Time in Patent Office: Days
• US Class Current: 705/18
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/208 Input by product or record sensing, e.g. weighing or scanner processing
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• 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: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/08 : by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• 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 7/0893 : the card reader reading the card in a contactless manner
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/12 : Card verification

Abstract

A retail point-of-sale system to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction is provided. The retail point-of-sale system, for example, can include a plurality of retail sales point-of-sale terminals, one or more retail system computers, a database accessible by the one or more retail system computers, and a program product stored in the memory of the one or more retail system computers. The plurality of retail sales point-of-sale terminals can be positioned, for instance, at one or more retail locations and can be positioned to accept purchase transactions from purchasers of goods. The one or more retail system computers can be positioned, for example, to provide data to and from each of the plurality of remotely positioned retail sales point-of-sale terminals to thereby facilitate one or more point-of-sale transactions through each of the plurality of remotely positioned retail sales point-of-sale terminals.

Claims

1. A retail point-of-sale system to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction, the retail point-of-sale system comprising:

a plurality of retail sales point-of-sale terminals positioned at one or more retail locations and each positioned to accept purchase transactions from purchasers of goods by interaction with one of the retail sales point-of-sale terminals, each of the plurality of retail sales point-of-sale terminals having a display associated with the retail sales point-of-sale terminal to at least visually display data to one or more of a plurality of users;

one or more retail system computers positioned remote from each of the plurality of retail sales point-of-sale terminals, the one or more retail system computers each having memory, and being positioned to provide data to and from each of the plurality of remotely positioned retail sales point-of-sale terminals and at least one remotely positioned computer associated with a provider of components of data profiles to thereby facilitate one or more point-of-sale transactions through each of the plurality of remotely positioned retail sales point-of-sale terminals;

a database accessible by the one or more retail system computers and having stored therein a plurality of personal control IDs each being associated with a different one of a plurality of remotely positioned users and a plurality of sets of personal data, each set of personal data including components of data profiles provided by providers of components of data profiles and being associated with a corresponding different one or more of the plurality of remotely positioned users, one or more data profiles derived from and being defined by at least a portion of each of the plurality of sets of personal data and being associated with a respective one of the plurality of personal control IDs and one or more provider IDs and stored in the database so that the one of the plurality of remotely positioned users associated with the respective one of the plurality of personal control IDs selectively predetermines contents of the data profile;

program product stored in the memory of the one or more retail system computers and including instructions that when executed by the one or more retail system computers cause the one or more retail system computers to perform the operations of;

receiving a request for at least one of the plurality of data profiles associated with one of the plurality of remotely positioned users from at least one of the plurality of retail sales point-of-sale terminals remote from and positioned to provide data to and from the one or more retail system computers, the request including both a personal control ID of the respective user and one of one or more provider IDs, each of the one or more provider IDs being associated with one of, or both, a retail merchant or retail service provider or at least one provider of components of data profiles,

providing a customized set of identification data responsive to the request and based on a data profile to facilitate one or more retail point-of-sale transactions through one or more of the plurality of retail sales point-of-sale transaction terminals, and

verifying at least a portion of the customized set of identification data received responsive to a personal control ID of the one of the plurality of remotely positioned users being entered through one of the plurality of retail point-of-sale transaction terminals prior to completing the one or more retail point-of-sale transactions.