TECHNIQUES FOR AUTOMATED TRANSACTIONS

• US 20130110728A1
• Filed: 10/31/2011
• Published: 05/02/2013
• Est. Priority Date: 10/31/2011
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation
• Inventors: Kobres, Erick
• Granted Patent: US 11,172,363 B2
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G09C 5/00 Ciphering apparatus or methods not provided for in the preceding groups, e.g. involving the concealment or deformation of graphic data such as designs, written or printed messages
• CPC Class Codes: H04L 2209/80 Wireless network architectures or network communication protocols for wireless network security H04W12/00
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04W 12/10 Integrity
• CPC Class Codes: H04W 12/77 Graphical identity

Abstract

Techniques for automated transactions are provided. A customer uses a mobile device to interact with an enterprise automation terminal to perform a transaction. At the start of the transaction, a unique barcode for the transaction is generated and displayed to the customer. The mobile device scans the barcode (can be a QR code); this causes the mobile device to communicate with a remote server that identifies the customer. Preferences for the customer are retrieved and the transaction and features of the terminal are configured based on the preferences. The transaction proceeds with the configured preferences.

Claims

1. A processor-implemented method programmed in a non-transitory processor-readable medium and to execute on one or more processors of a server configured to execute the method, comprising:

receiving, at the server, a request for a unique transaction code;

generating, at the server, the unique transaction code;

transmitting, from the server, the unique transaction code to a terminal device and customized for the terminal device;

obtaining, at the server, the unique transaction code and a mobile device identifier sent from a mobile device of a consumer;

identifying, at the server, a consumer identity for the consumer based on the mobile device identifier;

acquiring, at the server, preference data for the consumer based on the consumer identity; and

sending, from the server, the preference data to the terminal device to customize a transaction identified by the unique transaction code between the consumer and a retailer associated with the terminal device.

2. The method of claim 1, wherein receiving further includes acquiring the request from the terminal device and the request includes a terminal identifier, a store identifier, a retailer identifier, and date and time details.

3. The method of claim 1, wherein generating further includes producing the unique transaction code as a barcode, quick response code, and/or a unique string that includes details for the retailer and a mechanism for the mobile device to automatically communicate with the method and provide the unique transaction code.

4. The method of claim 3 further comprising, digitally signing, by the server, the unique transaction code with a private key of the method and/or the retailer.

5. The method of claim 1, wherein transmitting further includes encoding a unique session identifier, date and time information, a retailer identifier, and terminal device identifier in the unique transaction code.

6. The method of claim 1, wherein obtaining further includes acquiring the mobile device identifier as a previously registered identifier of the consumer.

7. The method of claim 1, wherein obtaining further includes receiving the mobile device identifier as one or more of:

a retailer issued registration token that is digitally signed, a retailer issued registration token that is unsigned, a mobile telephone number for the mobile device, and a media access control identifier for the mobile device.

8. The method of claim 1, wherein acquiring further includes authenticating to and accessing a retail loyalty database with the consumer identity to obtain the preference data.

9. The method of claim 1, wherein acquiring further includes formatting the preference data as loyalty data, payment details, and/or interface features to activate for the transaction within the terminal device when processed by the terminal device.

10. The method of claim 1 further comprising, receiving, at the server, transaction details during or at the conclusion of the transaction from the terminal device and taking one or more actions based on policy in response to evaluation of the transaction details.

11. A processor-implemented method programmed in a non-transitory processor-readable medium and to execute on one or more processors of a mobile device configured to execute the method, comprising:

obtaining, at the mobile device, a unique transaction code from a terminal device at a beginning of a transaction with the terminal device;

transmitting, from the mobile device, the unique transaction code along with a mobile device identifier to a preference configuring service; and

interacting, from the mobile device, with the terminal device during the transaction using preference data configured into the terminal device by the preference configuring service.

12. The method of claim 11, wherein obtaining further includes activating a camera of the mobile device to scan the unique transaction code from a display of the terminal device, the unique transaction code a barcode or quick response code.

13. The method of claim 11, wherein obtaining further includes activating a near field communication device of the mobile device to acquire the unique transaction code from the terminal device.

14. The method of claim 11, wherein transmitting further includes authenticating the mobile device and/or a consumer of the mobile device to the preference configuring service after transmitting the unique transaction code and the mobile device identifier.

15. The method of claim 12 further comprising, engaging, via the mobile device, a challenge and response dialogue between a consumer of the mobile device and the preference configuring service to perform the authentication.

16. The method of claim 11, wherein transmitting further includes digitally signing the unique transaction code with a private key of:

a consumer of the mobile device or the mobile device to provide authentication to the preference configuring service.

17. A processor-implemented method programmed in a non-transitory processor-readable medium and to execute on one or more processors of a terminal device configured to execute the method, comprising:

requesting, via the terminal device, a unique transaction code for a transaction, a request for the unique transaction code sent to a preference configuring service;

acquiring, at the terminal device, the unique transaction code customized for the terminal device;

receiving, at the terminal device, preference data for a specific consumer and tied to the unique transaction code;

configuring, at the terminal device, the transaction and features of the terminal device based on the preference data; and

interacting, via the terminal device, with a mobile device of the consumer to perform the transaction using the configured transaction and the configured features.

18. The method of claim 17, wherein requesting further includes providing with the request terminal device details and retailer details associated with the retailer to be included in the unique transaction code.

19. The method of claim 17, wherein acquiring further includes providing the unique transaction code to the mobile device of the consumer as a barcode or a quick response code that is presented on a display of the retailer terminal or that is communicated from the terminal device to the mobile device via a near field communication mechanism.

20. The method of claim 17, wherein receiving further includes suspending operations of the terminal device until the preference data is acquired, the preference data acquired from the preference configuring service or from the mobile device of the consumer.