Point of sale method and system
First Claim
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.
6 Assignments
0 Petitions
Accused Products
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.
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Citations
39 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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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:
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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. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25)
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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:
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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. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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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.
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38. A method for providing point-of-sale (POS) payment for a transaction by a customer with a merchant, comprising the steps of:
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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.
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39. An apparatus for providing point-of-sale (POS) payment by a customer to a merchant, comprising:
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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.
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Specification