SYSTEM AND METHOD FOR DOWNLOADING AN ELECTRONIC PRODUCT TO A PIN-PAD TERMINAL USING A DIRECTLY-TRANSMITTED ELECTRONIC SHOPPING BASKET ENTRY

• US 20150178730A1
• Filed: 02/27/2015
• Published: 06/25/2015
• Est. Priority Date: 03/23/2012
• Status: Active Grant

• Current Assignee: Toronto-Dominion Bank
• Original Assignee: Toronto-Dominion Bank
• Inventors: GLEESON, Bryan Michael, HAYHOW, Robert, DUNSTAN, John Henry
• Granted Patent: US 9,760,939 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• 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 20/3567 Software being in the reader
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders

Abstract

A method of downloading an electronic product to a pin-pad terminal involves the pin-pad terminal transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal. The transaction proposal response includes a transaction pointer associated with the electronic product. The pin-pad terminal electronically directly transmits to an electronic cash register coupled to the pin-pad terminal an indication of a payment amount for the electronic product. The pin-pad terminal receives from the electronic cash register confirmation of entry of the electronic product in an electronic shopping basket maintained by the electronic cash register, and transmits the transaction pointer to the network device via the network gateway. The pin-pad terminal receives the electronic product from the network device via the network gateway.

Claims

1. A method of downloading an electronic product to a pin-pad terminal, the pin-pad terminal being coupled to an electronic cash register, the electronic cash register maintaining an electronic shopping basket, the method comprising:

the pin-pad terminal transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal, the transaction proposal response including a transaction pointer associated with the electronic product;

the pin-pad terminal electronically directly transmitting to the electronic cash register an indication of a payment amount for the electronic product;

the pin-pad terminal receiving from the electronic cash register confirmation of entry of the electronic product in the electronic shopping basket, and transmitting the transaction pointer to the network device via the network gateway; and

the pin-pad terminal receiving the electronic product from the network device via the network gateway.

2. The method according to claim 1, wherein the transaction proposal response includes the payment amount indication, and the transmitting the transaction pointer to the network device comprises the pin-pad terminal transmitting the transaction pointer after validating the confirmation of entry of the electronic product from a comparison with the payment amount indication.

3. The method according to claim 2, wherein the confirmation of entry of the electronic product includes a price amount for the proposed transaction.

4. The method according to claim 3, wherein the receiving from the network gateway a transaction proposal response comprises the pin-pad terminal saving the transaction proposal response in a memory of the pin-pad terminal, and the validating the confirmation of entry of the electronic product comprises the pin-pad terminal purging the transaction proposal response from the memory after a successful comparison of the price amount with the payment amount indication.

5. The method according to claim 1, wherein the transmitting the transaction pointer to the network device comprises the pin-pad terminal transmitting the transaction pointer before receiving from the electronic cash register confirmation of payment for any items entered in the electronic shopping basket.

6. The method according to claim 1, wherein the transmitting the transaction pointer to the network device comprises the pin-pad terminal transmitting the transaction pointer after receiving from the electronic cash register confirmation of payment for all items entered in the electronic shopping basket.

7. The method according to claim 1, wherein the pin-pad terminal receiving the electronic product comprises the pin-pad terminal receiving the electronic product after authenticating to the network gateway.

8. The method according to claim 7, wherein the transaction proposal includes at least one terminal credential associated with the pin-pad terminal, and the authenticating to the network gateway comprises the pin-pad terminal authenticating to the network gateway with the transaction pointer and the least one terminal credential.

9. The method according to claim 8, wherein the at least one terminal credential is uniquely associated with the pin-pad terminal.

10. The method according to claim 1, wherein the pin-pad terminal receiving the electronic product comprises the pin-pad terminal receiving the electronic product after authenticating to the network device.

11. The method according to claim 10, wherein the transaction proposal includes at least one terminal credential associated with the pin-pad terminal and an administrator credential associated with an administrator of the pin-pad terminal, and the authenticating to the network device comprises the pin-pad terminal authenticating to the network device with the least one terminal credential and the administrator credential.

12. The method according to claim 1, wherein the transaction proposal is not derivable from the transaction pointer.

13. A pin-pad terminal, comprising:

a cash register interface configured to interface the pin-pad terminal with an electronic cash register;

an electronic shopping basket database; and

a transaction processor in communication with the cash register interface and the electronic shopping basket database and being configured to (i) transmit to a network gateway a transaction proposal for an electronic product from a network device, and receive from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal, the transaction proposal response including a transaction pointer associated with the electronic product;

(ii) electronically directly transmit to the electronic cash register an indication of a payment amount for the electronic product;

(iii) electronically receive from the electronic cash register confirmation of entry of the electronic product in the electronic shopping basket, and transmit the transaction pointer to the network device via the network gateway; and

(iv) download the electronic product from the network device via the network gateway.

14. The pin-pad terminal according to claim 13, wherein the transaction proposal response includes the payment amount indication, and the transaction processor is configured to transmit the transaction pointer after validating the confirmation of entry of the electronic product from a comparison with the payment amount indication.

15. The pin-pad terminal according to claim 14, wherein the confirmation of entry of the electronic product includes a price amount for the proposed transaction.

16. The pin-pad terminal according to claim 15, wherein the transaction processor is configured to save the transaction proposal response in a memory of the pin-pad terminal, and to purge the transaction proposal response from the memory after a successful comparison of the price amount with the payment amount indication.

17. The pin-pad terminal according to claim 13, wherein the transaction processor is configured to transmit the transaction pointer before receiving from the electronic cash register confirmation of payment for any items entered in the electronic shopping basket.

18. The pin-pad terminal according to claim 13, wherein the transaction processor is configured to transmit the transaction pointer after receiving from the electronic cash register confirmation of payment for all items entered in the electronic shopping basket.

19. The pin-pad terminal according to claim 13, wherein the transaction processor is configured to receive the electronic product after authenticating to the network gateway.

20. The pin-pad terminal according to claim 19, wherein the transaction proposal includes at least one terminal credential associated with the pin-pad terminal, and the transaction processor is configured to authenticate to the network gateway with the transaction pointer and the least one terminal credential.

22. The pin-pad terminal according to claim 13, wherein the transaction processor is configured to receive the electronic product after authenticating to the network device.

23. The pin-pad terminal according to claim 22, wherein the transaction proposal includes at least one terminal credential associated with the pin-pad terminal and an administrator credential associated with an administrator of the pin-pad terminal, and the transaction processor is configured to authenticate to the network device with the least one terminal credential and the administrator credential.

21. The pin-pad terminal according to claim 21, wherein the at least one terminal credential is uniquely associated with the pin-pad terminal.

24. A computer-readable medium comprising non-transient computer processing instructions stored thereon for execution by a pin-pad terminal, the computer processing instructions, when executed by the pin-pad terminal, causing the pin-pad terminal to perform a method of downloading an electronic product to the pin-pad terminal, the method comprising:

transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal, the transaction proposal response including a transaction pointer associated with the electronic product;

electronically directly transmitting to an electronic cash register coupled to the pin-pad terminal an indication of a payment amount for the electronic product;

electronically receiving from the electronic cash register confirmation of entry of the electronic product in the electronic shopping basket, and transmitting the transaction pointer to the network device via the network gateway; and

receiving the electronic product from the network device via the network gateway.

25. The computer-readable medium according to claim 24, wherein the transaction proposal response includes the payment amount indication, and the transmitting the transaction pointer to the network device comprises the pin-pad terminal transmitting the transaction pointer after validating the confirmation of entry of the electronic product from a comparison with the payment amount indication.

26. The computer-readable medium according to claim 25, wherein the confirmation of entry of the electronic product includes a price amount for the proposed transaction.

27. The computer-readable medium according to claim 26, wherein the receiving from the network gateway a transaction proposal response comprises the pin-pad terminal saving the transaction proposal response in a memory of the pin-pad terminal, and the validating the confirmation of entry of the electronic product comprises the pin-pad terminal purging the transaction proposal response from the memory after a successful comparison of the price amount with the payment amount indication.

28. The computer-readable medium according to claim 24, wherein the transmitting the transaction pointer to the network device comprises the pin-pad terminal transmitting the transaction pointer before receiving from the electronic cash register confirmation of payment for any items entered in the electronic shopping basket.

29. The computer-readable medium according to claim 24, wherein the transmitting the transaction pointer to the network device comprises the pin-pad terminal transmitting the transaction pointer after receiving from the electronic cash register confirmation of payment for all items entered in the electronic shopping basket.

30. The computer-readable medium according to claim 24, wherein the pin-pad terminal receiving the electronic product comprises the pin-pad terminal receiving the electronic product after authenticating to the network gateway.