Automated order and payment system

• US 4,947,028 A
• Filed: 07/19/1988
• Issued: 08/07/1990
• Est. Priority Date: 07/19/1988
• Status: Expired due to Term

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Arbor International, Inc.
• Inventors: Gorog, Jonathan M.
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US07/221,536
• Time in Patent Office: 749 Days
• Field of Search: 235/380, 235/383, 235/381, 235/472, 902/22
• US Class Current: 235/380
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• 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 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G07F 7/00 Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
• CPC Class Codes: G07G 1/00 Cash registers alarm indicators G07G3/00

Abstract

An automated order and payment system for use by consumers to rapidly order products and services from any location at which the consumer is present at the time of ordering. The system receives information about the products/services to be ordered by means of signals generated by scanning identification codes imprinted in advertising media or displayed to a consumer on a television screen. A special version of the invention is modified to accept voice command via a voice recognition means for those physically handicapped persons unable to perform manual data entry tasks. The consumer uses an optical scanning means embodied in the Order Computer Terminal to scan identification code associated with a company and identification codes associated with the products/services desired. This product and company information is stored in the Order Computer Terminal along with credit information retrieved from a plurality of storage means used on credit cards and subsequently transmitted when desired by the consumer to a Central Computer System. The Central Computer System simultaneously receives information from multiple order computer terminals and verifies that the products or services from the desired company are in fact available. The Central Computer System also verifies the credit worthiness of the consumer by searching for such information from credit data bases. When the Central Computer System determines that the desired products/services are available and that the consumer is credit worthy, an order verification signal is sent to the individual consumer'"'"'s order computer terminal whereupon the consumer verifies that he/she wishes to order the products/services communicated to the central computer system. Once the consumer varifies the order, the automated order and payment systme places the order for the products/services desired and provides the appropriate credit reference to the supplier of the product/service. The automated order and payment system capabilities are more fully set forth herein.

Claims

1. An automated order and payment system which comprises:

A remote programmable data input/output means adapted to optically scan identification code information, and further adapted to accept credit card information obtained from the stored information on credit cards;

A communication means integral to said remote programmable data input/output means;

A memory means integral to such remote programmable data input/output and communication means that allows the storage of computer programs and information derived from printed or transmitted identification code information that has been optically scanned;

A central data processing means with communications capability adapted to receive information from a plurality of remote programmable data input/output means; and

Additional communication means allowing the remote data processing means to communicate with external data bases for credit authorization and product/service ordering purposes.

2. An automated order and payment system according to claim 1 wherein said remote data input/output means contains an optical reader for optically sensing identification codes, an alphanumeric key pad for data input, a communications interface to a central computer system which is an integral part of the automated order and payment system.

3. An automated order and payment system according to claim 2 wherein said remote programmable data input output device contains a magnetic reader to allow input of credit information from the magnetic stripe on credit cards.

4. An automated order and payment system according to claim 2 wherein said remote programmable data input output device contains a microchip reader to allow input of credit information from the microchips embedded in credit cards.

5. An automated order and payment system according to claim 2 wherein said remote programmable data input output device contains a laser optical data reader to allow input of credit information that is optically stored on credit cards.

6. An automated order and payment system according to claim 2 wherein said remote programmable input output device allows data entry via a speech processing means that allows oral instructions to be stored and used as digital data input.

7. An automated order and payment system according to claim 2 which comprises a central computer system which communicates with multiple remote programmable data input/output means over a plurality of transmission media.

8. An automated order and payment system according to claim 2 which receives information from the remote programmable data input/output means which data relates to company identification and product/service identification for subsequent processing of orders for such products or services.

9. An automated order and payment system according to claim 2 which comprises a remote programmable data input/output means and central computer system which receives information concerning orders for goods and services and which also receives information concerning payment for such goods and services by means of credit and which central computer system obtains information from credit data bases concerning the credit worthiness of consumers ordering the products and services in question.

10. An automated order and payment system according to claim 9 which contains a data base of merchant/suppliers of products and services from which information is extracted concerning the availability of products and services that a consumer desires to order.

11. An automated order and payment system according to claim 10 which interacts with a consumer to notify the consumer of the acceptance or rejection of an order, or part of an order, based upon the approval/disapproval of credit and/or the availability/non-availability of the products or services desired.

12. A programmable remote order computer terminal ("OCT") comprising;

A remote programmable data input/output means adapted to optically scan identification code information, and further adapted to accept credit card information obtained from the stored information on credit cards;

A communication means integral to said remote programmable data input/output means;

A memory means integral to such remote programmable data input/output and communication means that allows the storage of computer programs and information derived printed or transmitted identification code information that has been optically scanned.

13. A process for rapidly ordering and paying for goods and services comprising;

The optical input by a consumer of a printed or transmitted identification codes used to identify merchants and goods/services desired by the consumer,

The entry of credit and consumer data by reading such information from a plurality of storage means resident on credit cards,

The storage and subsequent transmission of such data to a central computer systems,

The separate processing of such data by the central computer systems to determine (1) the availability of the product or service desired, and (2) the credit worthiness of the consumer ordering the products or services

The notification to the consumer of the approval or rejection of the sale desired

The delivery of the goods or products ordered by the consumer by prearranged parameters or selectively designated by the consumer at the time of sale.

14. A process for automated ordering of products and/or services according to claim 13 wherein the consumer and credit information is derived from a microchip credit card, magnetic storage credit card and/or optical data storage credit card.