Point of sale method and system

• US 6,014,636 A
• Filed: 05/06/1997
• Issued: 01/11/2000
• Est. Priority Date: 05/06/1997
• Status: Expired due to Term

• Current Assignee: Alcatel-Lucent USA, Inc. (Nokia Corporation)
• Original Assignee: Lucent Technologies, Inc. (Nokia Corporation)
• Inventors: Reeder, Kenneth Rodney
• Primary Examiner(s): MacDonald, Allen R.
• Assistant Examiner(s): Patel, Jagdish
• Application Number:
  US08/851,923
• Time in Patent Office: 980 Days
• Field of Search: 705/17, 705/18, 705/19, 705/39, 705/40, 705/26, 705/27, 705/16, 380/24, 348/734
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

A method for providing point-of-sale (POS) payment using interactive television (ITV) or the world wide web (WWW) by directly debiting a customer'"'"'s bank account through electronic transfer of funds or by billing a customer'"'"'s credit card account. The customer places an order for products or services on his ITV station, or through the WWW from his personal computer, and can make POS payment either by authorizing direct debit from his bank account or by authorizing a charge to his credit card account. The customer'"'"'s debit and credit account information is collected by swiping the customer'"'"'s debit or credit card through a magnetic stripe reader at the customer'"'"'s location at the moment of sale.

Claims

1. A method for providing point-of-sale (POS) payment by a customer to a merchant in an interactive network including a terminal and a server coupled to a customer bank and to the merchant, performed at the time of sale, comprising the following steps:

transmitting an order form from the server to the customer using the interactive network;

receiving customer information, customer payment option information and customer order information in the order form at the server and performing the following steps;

(i) detecting customer account information corresponding to the customer information obtained from a card at the customer'"'"'s location;

(ii) identifying the customer payment option information;

(iii) identifying a merchant corresponding to the customer order information;

(iv) transmitting to the customer bank the customer account information and the merchant information to permit manipulation of the customer account information for payment to the merchant of the customer order information; and

(v) instructing the merchant to fill the customer order information.

2. The method for providing POS payment of claim 1, wherein the customer account information collected and stored includes customer bank account information.

3. The method for providing POS payment of claim 1, wherein the customer account information collected and stored includes customer credit card account information.

4. The method for providing POS payment of claim 1, wherein the customer order information includes identification of an ordered product or service and a cost for that product or service.

5. The method for providing POS payment of claim 4, wherein a customer bank account is debited by an amount equal to the cost of the product or service ordered.

6. The method for providing POS payment of claim 4, wherein a customer credit card account is charged an amount equal to the cost of the product or service ordered.

7. The method for providing POS payment of claim 4, further comprising crediting the merchant account by an amount equal to the cost of the product or service ordered less transactional fees.

8. The method for providing POS payment of claim 1, wherein the customer payment option information includes identification of a customer bank account.

9. The method for providing POS payment of claim 1, wherein the customer payment option information includes identification of a customer debit card account.

10. The method for providing POS payment of claim 1, wherein the customer payment option information includes identification of a customer credit card.

11. The method for providing POS payment of claim 1, wherein the transmission of customer account information and merchant account information to permit manipulation of the account balances includes transmission through an ATM network.

12. The method for providing POS payment of claim 1, wherein the transmission of customer account information and merchant account information to permit manipulation of the account balances includes transmission through a credit and issuer network.

13. The method for providing POS payment of claim 1, wherein said detecting step includes swiping said card through a magnetic card reader.

14. The method of claim 1 wherein the interactive network is an interactive television network and the terminal is a set top box.

15. The method of claim 1 wherein the interactive network is a distributed information network and the terminal is a computer terminal.

16. A method for providing point-of-sale (POS) payment for a transaction by a customer to a merchant in an interactive network including a terminal and a server coupled to a customer bank and to the merchant, comprising the steps of:

transmitting an order form from the server to the customer;

transmitting customer order information and customer payment option information in the order form over the single interactive network to the server and performing the following steps;

(i) detecting customer account information from a card at the customer'"'"'s location using the terminal to facilitate manipulation of the customer account information;

(ii) transmitting the customer order information to a financial network to facilitate identification of the merchant and payment to the merchant of the customer order information by the customer bank; and

(iii) instructing the merchant to fill the customer order information.

17. The method for providing POS payment of claim 16, wherein the customer account information transmitted includes customer bank account information.

18. The method for providing POS payment of claim 16, wherein the customer account information transmitted includes customer credit card account information.

19. The method for providing POS payment of claim 16, wherein the customer order information transmitted includes an ordered product or service and a cost for that product or service.

20. The method for providing POS payment of claim 16, wherein the customer payment option information transmitted includes an identification of a customer bank account.

21. The method for providing POS payment of claim 16, wherein the customer payment option information transmitted includes identification of a customer debit card.

22. The method for providing POS payment of claim 16, wherein the customer payment option information transmitted includes an identification of a customer credit card.

23. The method of providing POS payment of claim 16, wherein said detecting step includes swiping said card through a magnetic card reader.

24. The apparatus of claim 16 wherein the interactive network is an interactive television network and the terminal is a set top box.

25. The apparatus of claim 16 wherein the interactive network is a distributed information network and the terminal is a computer terminal.

26. An apparatus for providing point-of-sale (POS) payment by a customer to a merchant in an interactive network including a terminal and a server coupled to a customer bank and to the merchant, comprising:

means for transmitting an order form from the server to the customer,

the server including means for performing the following functions;

(i) receiving customer information, customer payment option information and customer order information in the order form through transmission over the interactive network;

(ii) detecting customer account information from a card at the customer'"'"'s location using the terminal, said customer account information corresponding to the customer information and the customer payment option information;

(iii) identifying a merchant corresponding to the customer order information;

(iv) transmitting the customer account information and the merchant information to permit manipulation of the customer account balance and payment to the merchant; and

(v) instructing the merchant to fill the customer order information.

27. The apparatus for providing POS payment of claim 26, wherein the means for collecting and storing customer account information includes a means for collecting and storing customer bank account information.

28. The apparatus for providing POS payment of claim 26, wherein the means for collecting and storing customer account information includes a means for collecting and storing customer credit card account information.

29. The apparatus for providing POS payment of claim 26, wherein the means for receiving customer order information includes a means for receiving identification of an ordered product or service and a cost for that product or service.

30. The apparatus for providing POS payment of claim 29, wherein the means for transmitting customer account information and merchant account information to permit manipulation of the account balances includes a means for debiting a customer bank account by an amount equal to the cost of the product or service ordered.

31. The apparatus for providing POS payment of claim 29, wherein the means for transmitting customer account information and merchant account information to permit manipulation of the account balances includes a means for charging a customer credit card account by an amount equal to the cost of the product or service ordered.

32. The apparatus for providing POS payment of claim 29, wherein the means for transmitting customer account information and merchant account information to permit manipulation of the account balances includes a means for crediting the merchant account by an amount equal to the cost of the product or service ordered less transactional fees.

33. The apparatus for providing POS payment of claim 26, wherein the means for receiving customer payment option information includes a means for receiving identification of a customer bank account.

34. The apparatus for providing POS payment of claim 26, wherein the means for receiving customer payment option information includes a means for receiving identification of a customer debit card.

35. The apparatus for providing POS payment of claim 26, wherein the means for receiving customer payment option information includes a means for receiving identification of a customer credit card.

36. The apparatus for providing POS payment of claim 26, wherein said means for detecting customer account information is a magnetic card reader.

37. A method for providing point-of-sale (POS) payment by a customer to a merchant, performed at the time of sale, comprising the following steps,

connecting the customer to a server;

coupling the server to a customer bank and a merchant;

transmitting an order form from the server to the customer;

receiving customer information, customer payment option information and customer order information in the order form at the server and performing the following steps;

(i) detecting customer account information corresponding to the customer information obtained from a card at the customer'"'"'s location;

(ii) identifying the customer payment option information;

(iii) transmitting the customer account information and the merchant information to the customer bank to manipulate the customer account information for payment to the merchant of the customer order information; and

(iv) instructing the merchant to fill the customer order information.

38. A method for providing point-of-sale (POS) payment for a transaction by a customer with a merchant, comprising the steps of:

connecting the customer to a server;

coupling the server to a customer bank and a merchant;

transmitting an order form from the server to the customer;

transmitting customer order information and customer payment option information in the order form to the server and performing the following steps;

(i) detecting customer account information from a card at the customer'"'"'s location;

(ii) transmitting the customer account information to the customer bank for payment to the merchant of the customer order information; and

(iii) instructing the merchant to fill the customer order information.

39. An apparatus for providing point-of-sale (POS) payment by a customer to a merchant, comprising:

means for coupling a server to the customer, the merchant and a customer bank;

means for transmitting an order form from the server to the customer, the server including means for performing the following functions;

(i) receiving customer information, customer payment option information and customer order information in the order form;

(ii) detecting customer account information from a card, said customer account information corresponding to the customer information and the customer payment option information;

(iii) transmitting the customer account information and the merchant information to a financial network for manipulation of the customer account information in the customer bank for payment to the merchant of the customer order information; and

(iv) instructing the merchant to fill the customer order information.