Off-line credit card transaction system and method for vending machines

• US 6,427,912 B1
• Filed: 08/16/2000
• Issued: 08/06/2002
• Est. Priority Date: 08/16/2000
• Status: Expired due to Fees

• Current Assignee: COIN Acceptors Incorporated
• Original Assignee: COIN Acceptors Incorporated
• Inventors: Levasseur, Joseph L.
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US09/640,141
• Time in Patent Office: 720 Days
• Field of Search: 235/380, 235/382, 235/383, 235/375, 235/379, 235/381, 235/492, 235/493, 235/486, 235/487
• US Class Current: 235/381
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/4033 Local solvency checks
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/12 Card verification
• CPC Class Codes: G07F 7/125 Offline card verification
• CPC Class Codes: G07F 9/026 for alarm, monitoring and auditing in vending machines or means for indication, e.g. when empty

Abstract

A system and method for controlling off-line credit vend transactions are provided, including a vending system having a vend selection and delivery portion operable off-line, an associated credit card reader, and a transaction controller operatively connected to the card reader to receive information read from an inserted credit card and operatively connected to the vend selection and delivery portion to enable operation thereof. The system is operable, while off-line, to determine acceptability of an inserted card and the current availability at such system of off-line credit for an acceptable credit card, to enable operation of the vend selection and delivery portion if credit is authorized, and to be responsive to vend completion by the vend selection and delivery portion to store transaction information for the credit vend. The credit vend transaction information can later be downloaded and utilized for credit billing purposes. Information for use in determining credit transaction limitation counts and account numbers for preferred cards, and for determining higher credit transaction limitation counts for preferred cards, can be uploaded and stored in the system for use in determining card acceptability and the availability of off-line credit.

Claims

1. A method for controlling an off-line credit vend transaction in a credit vending system having a vend selection and delivery portion, an associated credit card reader for receiving credit cards inserted therein and reading card information data therefrom, including information identifying the expiration date and account number of the inserted card, and a transaction controller operatively connected to the credit card reader to receive card information data therefrom and operatively connected to the vend selection and delivery portion of the credit vending system for enabling the operation thereof, the transaction controller including memory storage, including memory for storing credit transaction information, said method comprising the steps of:

a. reading information from a credit card inserted into the card reader and verifying that the card is an acceptable card for use in the credit vending system and has not expired;

b. verifying, while off-line, the current availability at such credit vending system of off-line credit for the account number of the inserted card;

c. enabling selection of a vend by a customer at the vend selection and delivery portion of the credit vending system; and

d. storing credit transaction information for such credit vending operation in memory storage of the transaction controller, upon completion of the vend selected by the customer, for subsequent retrieval and credit billing.

2. The method of claim 1 wherein the transaction controller includes memory for storing pre-loaded credit card protocol information and step a includes the activity of comparing the information read from the inserted credit card to credit card protocol information stored in memory storage of the transaction controller.

3. The method of claim 2 wherein the transaction controller includes a real-time date/time clock and step a includes the activity of determining the current date from the real-time date/time clock and comparing such determined current date to the expiration date of the inserted card to verify that the inserted credit card has not expired.

4. The method of claim 3 wherein step a further includes the activity of performing a check sum operation with the information read from the inserted credit card to verify the acceptability of the inserted card.

5. The method of claim 4 wherein the transaction controller includes memory for storing information identifying invalid credit cards detected and step a includes the activity of storing information identifying the inserted card as an invalid card upon failure of the check sum operation.

6. The method of claim 1 wherein the transaction controller includes memory storage for storing pre-loaded credit limitation information and step b includes the activity of determining from the stored credit limitation information and from credit transaction information stored during previous credit vend operations the current availability at such credit vending system of off-line credit for the account number of the inserted card.

7. The method of claim 6 wherein the transaction controller includes a real-time date/time clock, the stored credit limitation information includes information establishing different credit transaction limitation counts for different time periods, and step b includes the activity of determining the current time and date from the real-time date/time clock and utilizing such determined time and date to determine the particular credit transaction limitation count to be utilized for verifying the current availability at such credit vending system of off-line credit for the inserted credit card.

8. The method of claim 7 wherein step b includes the activity of determining the current availability at such credit vending system of off-line credit for the account number of the inserted card by utilizing credit transaction limitation counts for at least two time periods, one of which periods is a shorter time period at least a portion of which is included within the longer time period.

9. The method of claim 6 wherein the pre-loaded credit limitation information is employed in conjunction with stored credit transaction information for the account number of the inserted card to calculate a dynamic credit transaction limitation count to be utilized for such particular inserted card for verifying the current availability at such credit vending system of off-line credit for such particular inserted card.

10. The method of claim 6 wherein the transaction controller includes memory storage for storing pre-loaded “

hot”

card information and step b includes the activity of verifying that the account number of the inserted card is not included in the stored “

hot”

card information.

11. The method of claim 6 wherein the transaction controller includes memory storage for storing pre-loaded preferred card information and step b includes the activity of determining whether the account number of the inserted card is included in the stored preferred card information and, if so, utilizing a higher credit transaction limitation count than if the account number is not included in the stored preferred card information.

12. The method of claim 1 wherein the credit vending system includes a first connection between the transaction controller and the vend selection and delivery portion for communicating a vend enable signal from the transaction controller to the vend selection and delivery portion and a second connection between the vend selection and delivery portion and the transaction controller for communicating a vend completion signal from the vend selection and delivery portion to the transaction controller, and wherein step c includes the generation of a vend enable signal by the transaction controller and step d includes the production of a vend completion signal by the vend selection and delivery portion.

13. The method of claim 12 wherein the vending control system includes means for communicating from the vend selection and control portion to the transaction controller price information regarding the particular vend selected by the user and wherein the credit transaction information stored in step d includes such price information.

14. The method of claim 1 wherein the vending control system includes a data bus between the transaction controller and the vend selection and delivery portion for communicating vend enable data from the transaction controller to the vend selection and delivery portion and vend completion data from the vend selection and delivery portion to the transaction controller, and wherein step c includes the application by the transaction controller of data on the data bus signifying a vend enable condition and step d includes the application by the vend selection and delivery portion of data on the data bus signifying a vend completion condition.

15. The method of claim 14 wherein step d includes the activity of determining the price information for the selected vend from price information data applied to the data bus by the vend selection and delivery portion, the credit transaction information being stored including such determined price information.

16. The method of claim 14 wherein the credit vending system includes means for communicating price information regarding the particular vend selected by the user from the vend selection and delivery portion to the transaction controller and wherein the credit transaction information stored in step d includes such price information.

17. The method of claim 1 wherein the credit vending system includes a data transfer connector associated with the transaction controller, to which data transfer connector a portable data transfer device may be operatively connected by service personnel, and wherein the method further includes the activity of determining whether a portable data transfer device is connected to the data transfer connector and a data transfer is requested and, if so, downloading the credit transaction information stored in the memory storage of the transaction controller to the portable data transfer device.

18. The method of claim 17 wherein the memory storage includes memory for storing information identifying invalid credit cards detected during credit vend operations and wherein, upon determination of a data transfer request, the invalid card information stored in the memory storage of the transaction controller is also downloaded to the portable data transfer device.

19. The method of claim 17 wherein, upon determination of a data transfer request, “

hot”

card information is uploaded from the portable data transfer device to memory storage of the transaction controller.

20. The method of claim 17 wherein, upon determination of a data transfer request, information to establish credit transaction limitation counts is uploaded from the portable data transfer device to memory storage of the transaction controller.

21. The method of claim 17 wherein the memory storage includes memory for storing established credit transaction limitation counts and wherein, upon determination of a data transfer request, information to update the established credit transaction limitation counts stored in the memory storage of the transaction controller is uploaded from the portable data transfer device to the transaction controller.

22. The method of claim 17 wherein, upon determination of a data transfer request, information to identify the account numbers of preferred credit cards is uploaded from the portable data transfer device to memory storage of the transaction controller.

23. The method of claim 17 wherein the credit vending system includes a DEX port associated with the vend selection and delivery control portion, to which DEX port the portable data transfer device may be operatively connected by service personnel, and wherein the method further includes the activity of transferring vend selection and delivery information between the vend selection and delivery portion and the portable data transfer device when the portable data transfer device is operatively connected to the DEX port.

24. The method of claim 23 wherein the transfer of said vend selection and delivery information occurs concurrently with the downloading of the credit transaction information.

25. The method of claim 1 wherein the information read from the inserted card also includes information identifying the credit card issuer.

26. A credit vending system for controlling an off-line credit vend transaction comprising a vending system including a vend selection and delivery portion, an associated credit card reader for receiving credit cards inserted therein and for reading card information data from the inserted card, including information identifying the expiration date and account number of the inserted card, and a transaction controller operatively connected to the credit card reader to receive card information data therefrom and operatively connected to the vend selection and delivery portion for enabling the operation thereof, said transaction controller including memory storage, including memory for storing credit transaction information, said transaction controller responsive to information read from the inserted card by said credit card reader upon insertion of a credit card therein to verify that the inserted card is an acceptable card for use in the credit vending system and has not expired, said transaction controller thereafter operable to verify, while off-line, the current availability at said credit vending system of off-line credit for the account number of the inserted card and, upon such verification of currently available credit, to enable vend selection by a customer at the vend selection and delivery portion of the vending system, said vend selection and delivery portion responsive to selection of a vend by a customer to effect vend delivery and, upon vend completion, to communicate notice thereof to said transaction controller, said transaction controller responsive to said vend completion notice to store credit transaction information for such off-line credit vending operation in memory storage of the transaction controller for subsequent retrieval and credit billing.

27. The system of claim 26 wherein said transaction controller includes memory for storing pre-loaded credit card protocol information and is operable, in verifying that the card is an acceptable card for use in the credit vending system, to compare information read from the inserted credit card to credit card protocol information stored in memory storage of the transaction controller.

28. The system of claim 27 wherein said transaction controller includes a real-time date/time clock and is operable, in verifying that the card inserted into the card reader has not expired, to determine the current date from the real-time date/time clock and to compare such determined current date to the expiration date of the inserted card.

29. The system of claim 28 wherein said transaction controller is further operable, in verifying that the card is an acceptable card for use in the credit vending system, to perform a check sum operation with information read from the inserted card.

30. The system of claim 29 wherein said transaction controller includes memory for storing information identifying invalid credit cards detected and is operable to store information identifying the inserted card as an invalid card upon failure of the check sum operation.

31. The system of claim 26 wherein said transaction controller includes memory storage for storing pre-loaded credit limitation information and is operable, in verifying the current availability at said credit vending system of off-line credit for the inserted card, to determine from the stored credit limitation information and from credit transaction information stored during previous credit vend operations a credit transaction limitation count for the inserted card and whether the aggregated credit previously extended for the inserted card has reached the determined credit transaction limitation count for the inserted card.

32. The system of claim 31 wherein said transaction controller includes a real-time date/time clock, the stored credit limitation information includes information establishing different credit transaction limitation counts for different time periods, and said transaction controller is operable, in verifying the current availability at said credit vending system of off-line credit for the inserted card, to determine the current time and date from the real-time date/time clock and to utilize such determined time and date to determine a particular credit transaction limitation count associated with a time period for such determined time and date.

33. The system of claim 32 wherein a plurality of credit transaction limitation counts, for a plurality of different, at least partially overlapping, time periods, are associated with a given time and date as determinable from said real-time date/time clock and said transaction controller is further operable, in verifying the current availability at said credit vending system of off-line credit for the inserted card, to utilize said plurality of stored credit transaction limitation counts for determining the off-line credit availability for the various different time periods associated with said determined time and date.

34. The system of claim 31 wherein the pre-loaded credit limitation information is employed in conjunction with stored credit transaction information for the account number of the inserted card to calculate a dynamic credit transaction limitation count to be utilized for such particular inserted card for verifying the current availability at said credit vending system of off-line credit for such particular inserted card.

35. The system of claim 31 wherein said transaction controller includes memory storage for storing pre-loaded “

hot”

card information and is operable, in verifying the current availability at said credit vending system of off-line credit for the inserted card, to determine that the account number of the inserted card is not included in the stored “

hot”

card information.

36. The system of claim 31 wherein said transaction controller includes memory storage for storing pre-loaded preferred card information and is operable, in verifying the current availability at said credit vending system of off-line credit for the inserted card, to determine whether the account number of the inserted card is included in the stored preferred card information and, if so, to utilize a higher credit transaction limitation count than if the account number is not included in the stored preferred card information.

37. The system of claim 26 further including a first connection between said transaction controller and said vend selection and delivery portion for communicating a vend enable signal from said transaction controller to said vend selection and delivery portion and a second connection between said vend selection and delivery portion and said transaction controller for communicating a vend completion signal from said vend selection and delivery portion to said transaction controller, wherein said transaction controller is operable, upon determining the current availability at said credit vending system of off-line credit for the inserted credit card, to produce a vend enable signal on said first connection and said vend selection and delivery portion is operable, upon completion of a vend, to produce a vend completion signal on said second connection.

38. The system of claim 37 further including means for communicating from said vend selection and control portion to said transaction controller price information regarding the particular vend selected by the user, said vend selection and delivery portion operable to generate said price information when vend selection is enabled and a vend selection is made by a user.

39. The system of claim 38 wherein said vend selection and delivery portion includes a plurality of vend delivery devices for effecting the delivery of respective associated vend selections, a first set of which vend selections has a first vend price associated therewith and a second set of which vend selections has a second vend price associated therewith, each of said sets including at least one vend selection, and a price information switch associated with the vend delivery devices for said second set of vend selections, said price information switch actuatable upon operation of a vend delivery device associated with said second set of vend selections to provide different price information than the price information provided when said price information switch is not actuated.

40. The system of claim 26 further including a data bus between said transaction controller and said vend selection and delivery portion for communicating vend enable data from said transaction controller to said vend selection and delivery portion and vend completion data from said vend selection and delivery portion to said transaction controller, wherein said transaction controller is operable, upon determining the current availability at said credit vending system of off-line credit for the inserted credit card, to produce data on the data bus signifying a vend enable condition and said vend selection and delivery portion is operable, upon completion of a vend, to produce data on the data bus signifying a vend completion condition.

41. The system of claim 40 wherein said vend selection and delivery portion is operable to produce data on said data bus indicative of the vend price for the selected vend.

42. The system of claim 40 further including means for communicating to said transaction controller price information regarding the particular vend selected by the user, said vend selection and delivery portion operable to generate said price information when vend selection is enabled and a vend selection is made by a user.

43. The system of claim 26 further including a data transfer connector associated with said transaction controller, to which data transfer connector a portable data transfer device may be operatively connected by service personnel for providing a data transfer request to said transaction controller, said transaction controller operable to determine whether a portable data transfer device is connected to the data transfer connector and a data transfer is requested and, if so, to download said credit transaction information stored in the memory storage of the transaction controller to the portable data transfer device.

44. The system of claim 43 wherein said memory storage includes memory for storing information identifying invalid cards detected during credit vend operations, said transaction controller operable, upon determining that a data transfer has been requested, to also download to the portable data transfer device invalid card information stored in the memory storage of the transaction controller.

45. The system of claim 43 wherein said transaction controller is operable, upon determining that a data transfer has been requested, to also upload “

hot”

card information from the portable data transfer device to memory storage of said transaction controller.

46. The system of claim 43 wherein said transaction controller is operable, upon determining that a data transfer has been requested, to also upload from the portable data transfer device to memory storage of the transaction controller information to establish credit transaction limitation counts.

47. The system of claim 43 wherein said memory storage includes memory for storing established credit transaction limitation counts, said transaction controller operable, upon determining that a data transfer has been requested, to also upload from the portable data transfer device to said transaction controller information to update the established credit transaction limitation counts stored in the memory storage of said transaction controller.

48. The system of claim 43 wherein said transaction controller is operable, upon determining that a data transfer has been requested, to also upload from the portable data transfer device to memory storage of said transaction controller information to identify the account numbers of preferred credit cards.

49. The system of claim 43 wherein said vend selection and delivery control portion includes a vend controller and a DEX port associated therewith, to which DEX port the portable data transfer device may be operatively connected by service personnel to provide a data transfer request to said vend controller, said vend controller operable, upon determining that a data transfer has been requested, to effect the transfer of vend selection and delivery information between said vend selection and delivery portion and the portable data transfer device.

50. The system of claim 49 wherein the transfer of said vend selection and delivery information occurs concurrently with the downloading of credit transaction information.

51. The system of claim 26 wherein the information read from the inserted card includes information identifying the credit card issuer.

52. The system of claim 26 wherein said transaction controller includes a microprocessor programmed to control the operation of said transaction controller.

53. The system of claim 52 wherein said microprocessor is also programmed to control the operation of said credit card reader.

54. In a vending system having a vend selection and delivery portion which includes a vend selection portion operable by a user to select a desired vend selection from among a plurality of possible vend selections and a plurality of vend delivery devices for effecting delivery of respective associated vend selections, said vend selection and delivery portion configured for single price vending of a plurality of possible vending selections and being operatively connectable to a vend enabling controller to receive a signal provided to said vend selection and delivery portion to enable said vend selection and delivery portion to recognize and respond to a desired vend selection by a user to effect vend delivery of such desired vend selection at such single price and to provide a signal to the vend enabling controller upon vending of the desired vend selection indicative of vend delivery, and wherein said vend selection and delivery portion as operatively connectable in a vending system to a vend enabling controller is operatively connectable to a credit transaction controller of a credit vending system, which credit transaction controller is associated with a credit information entry portion at which a user may enter information to establish a credit situation, is operable to provide an enabling signal to the vend selection and delivery portion upon determining that the information entered by the user is sufficient to establish the existence of a credit situation for the user, and is operable in response to a vend delivery signal to store credit transaction information, the improvement comprising a multi-pricing modification to the single-price configured vend selection and delivery portion, said multi-pricing modification including a price information sensor apparatus associated with the vend delivery devices, wherein a first set of vend selections has a first vend price associated therewith and a second set of vend selections has a second vend price associated therewith, each of which sets includes at least one vend selection, said price information sensor apparatus operatively connectable to the credit transaction controller to provide thereto, upon operation of a vend delivery device associated with the second set of vend selections, price information that is different from the price information that is provided upon operation of a vend delivery device associated with a vend delivery associated with the first set of vend selections.

55. The improvement of claim 54 wherein the vend selection portion includes a plurality of selection switches operable to select and identify a desired vend.

56. The improvement of claim 55 wherein each of said selection switches is associated with a respective vend delivery device.

57. The improvement of claim 55 wherein said selection switches are operable to establish a condition indicative of a desired vend selection associated with a given vend delivery device.

58. The improvement of claim 54 wherein the vend selection portion includes a keypad for entering vend selection information identifying a desired vend.

59. The improvement of claim 54 wherein said vend delivery devices are vend motors.

60. The improvement of claim 59 wherein said price information sensor apparatus includes a cam-operated switch under control of a vend motor associated with said second set of vend selections.

61. The improvement of claim 60 wherein said cam-operated switch includes a common operatively connectable to a signal source and a normally open contact operatively connectable to the credit transaction controller, actuation of said cam-operated switch under control of an associated vend motor completing a circuit from the common to the normally open contact of said cam-operated switch, said circuit completion being detectable by the credit transaction controller.

62. The improvement of claim 59 wherein said price information sensor apparatus includes a plurality of cam-operated switches each under control of a respective vend motor associated with said second set of vend selections.

63. The improvement of claim 62 wherein operation of any of said cam-operated switches effects the production by said price information sensor apparatus of price information that is different from the price information that is provided upon operation of a vend motor associated with a vend delivery associated with the first set of vend selections.

64. The improvement of claim 63 wherein the vend selections associated with at least some of the cam-operated switches have different vend prices, each of which cam-operated switches associated with a different vend price is connected in circuit to provide a different signal to the credit transaction controller when operated under control of its associated vend motor.

65. The improvement in claim 59 wherein said price information sensor apparatus includes an optical sensor associated with said second set of vend selections.

66. The improvement of claim 54 wherein said vend delivery devices include vend delivery relays.

67. The improvement of claim 66 wherein the vend selection and delivery portion includes a vend motor associated with the vend delivery relays and operable in conjunction with said vend delivery relays to effect the delivery of the vend selections associated with respective vend delivery relays.

68. The improvement of claim 54 wherein said price information sensor apparatus includes a first sensor mechanism associated with the first set of vend selections and their associated vend delivery devices and a second sensor mechanism associated with the second set of vend selections and their associated vend delivery devices, each of said sensor mechanisms operable to detect vend delivery of a vend selection associated therewith, said price information sensor apparatus providing a signal to the credit transaction controller indicative of a vend at a first vend price when said first sensor mechanism detects the vend of a vend selection having a first vend price and a signal indicative of a vend at a second vend price when said second sensor mechanism detects the vend of a vend selection having a second vend price.

69. The improvement of claim 68 wherein said sensor mechanisms are optical sensors.

70. The improvement of claim 54 wherein the price information provided to the credit transaction controller is included within the vend delivery signal produced by vend selection and delivery portion and provided to the credit transaction controller.