VENDING APPROVAL SYSTEMS, METHODS, AND APPARATUS USING CARD READERS

• US 20150060542A1
• Filed: 08/30/2013
• Published: 03/05/2015
• Est. Priority Date: 08/30/2013
• Status: Active Grant

• Current Assignee: Cantaloupe, Inc.
• Original Assignee: USA Technologies, Inc.
• Inventors: Simpkins, Joseph A., SAGADY, CARY M.
• Granted Patent: US 9,159,182 B2
• Time in Patent Office: Days
• US Class Current: 235/381
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G07F 7/0893 the card reader reading the card in a contactless manner
• CPC Class Codes: G07F 7/12 Card verification

Abstract

Methods, systems, and apparatus for obtaining application data using a card reader having a pass-through mode and an automatic polling mode are disclosed. Application data may be obtained by enabling the pass-through mode of the card reader, instructing the card reader to poll for an exchange event, identifying the exchange event, identifying a subject of the exchange event, and obtaining application data from the subject when the subject of the exchange event is a predefined application. The pass-through mode may be disabled and the automatic polling mode may be enabled after the application data is obtained. An account number from the subject of the exchange event may also be obtained for use in authorizing a vending transaction.

Claims

1. A method for obtaining application data using a card reader having a pass-through mode and an automatic polling mode, the method comprising:

enabling the pass-through mode of the card reader;

instructing the card reader to poll for an exchange event;

identifying the exchange event;

identifying a subject of the exchange event;

obtaining application data from the subject of the exchange event when the subject of the exchange event is associated with one of at least one predefined application;

disabling the pass-through mode and enabling the automatic polling mode of the card reader after the application data is obtained;

obtaining an account number from the subject of the exchange event; and

authorizing a vending transaction with the obtained account number.

2. The method of claim 1, further comprising

disabling the pass-through mode and enabling the automatic polling mode without obtaining application data when the subject of the exchange event is not associated with any of the at least one predefined application.

3. The method of claim 1, wherein the card reader has an antenna and wherein the method further comprises:

turning on the antenna of the card reader after enabling the pass-through mode of the card reader; and

turning off the antenna before disabling the pass-through mode of the card reader.

4. The method of claim 1, further comprising:

vending a product in response to the authorizing of the vending transaction.

5. The method of claim 1, further comprising:

retrieving information from a remote processor using the application data;

displaying the retrieved information.

6. The method of claim 5, wherein the displaying step comprises:

displaying the retrieved information on the card reader.

7. The method of claim 5, wherein the displaying step comprises:

transmitting the retrieved information to a mobile device for display on the mobile device.

8. The method of claim 1, wherein the application data includes a consumer identification (ID).

9. The method of claim 1, wherein the at least one predefined application includes an electronic wallet.

10. The method of claim 1, wherein the exchange event is at least one of a card tap, a phone tap, a phone to device tap, or a phone to another phone tap.

11. A system comprising:

a card reader having a pass-through mode and an automatic polling mode; and

an approval unit coupled to the card reader, the approval unit configured to enable the pass-through mode of the card reader, instruct the card reader to poll for an exchange event, identify the exchange event, identify a subject of the exchange event, obtain application data from the subject of the exchange event when the subject of the exchange event is associated with one of at least one predefined application, disable the pass-through mode and enable the automatic polling mode of the card reader after the application data is obtained, obtain an account number from the subject of the exchange event, and authorize a vending transaction with the obtained account number.

12. The system of claim 11, wherein the approval unit is further configured to disable the pass-through mode and enable the automatic polling mode without obtaining the application data when the subject of the exchange event is not associated with any of the at least one predefined application.

13. The system of claim 11, wherein the card reader has an antenna and wherein the approval unit is further configured to turn on the antenna of the card reader after enabling the pass-through mode of the card reader and turn off the antenna before disabling the pass-through mode of the card reader.

14. The system of claim 11, wherein the approval unit is further configured to vend a product in response to the authorizing of the vending transaction.

15. The system of claim 11, wherein the card reader has a display and wherein the approval unit is further configured to retrieve information from a remote processor using the application data and display the retrieved information on the card reader display.

16. The system of claim 11, wherein the approval unit is further configured to retrieve information from a remote processor using the application data and transmit the retrieved information to a mobile device for display.

17. The system of claim 11, wherein the application data includes a consumer identification (ID).

18. The system of claim 11, wherein the at least one predefined application includes an electronic wallet.

19. The system of claim 11, wherein the exchange event is at least one of a card tap, a phone tap, a phone to device tap, or a phone to another phone tap.

20. A vending approval unit for use with a vending device, the vending approval unit comprising:

a radio frequency transceiver configured for communication with a remote processor;

a short range communication transceiver for communication with a payment device; and

a processor coupled to the radio frequency transceiver, the short range communication transceiver, and the vending device, the processor configured to poll the payment device via the short range communication transceiver to obtain payment information and application data, transmit the obtained payment information and application data to the remote processor;

receive approval of the payment information from the remote processor, and post funds to the vending device in response to the received approval.