Methods and systems for electronic receipt transmission and management

• US 6,487,540 B1
• Filed: 07/25/2000
• Issued: 11/26/2002
• Est. Priority Date: 07/25/2000
• Status: Expired due to Term

• Current Assignee: Finicity Corporation (MasterCard Incorporated)
• Original Assignee: In2m Corp.
• Inventors: Smith, Steven B., Rosner, Warren M., Thomas, Nicolas A.
• Primary Examiner(s): Rice, Kenneth R.
• Application Number:
  US09/625,141
• Time in Patent Office: 854 Days
• Field of Search: 705/21, 705/24
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

Embodiments of the present invention relate to systems, methods and apparatus for the generation, transmission, storage and manipulation of electronic receipts which communicate itemized purchase transaction information. Preferred embodiments comprise wireless vendor devices and wireless purchaser devices which transmit electronic receipts at a point-of-sale for documentation of a purchase transaction. Further processing of the electronic receipt information may be performed with a purchaser device or with a secondary computing device after subsequent receipt transmission to that secondary device.

Claims

1. A system for use in a wireless purchasing environment wherein an electronic receipt is generated by a purchaser-owned device at a point of sale, the system comprising:

a wireless vendor device configured to provide product information to the purchaser-owned device;

a remote authorization processor configured to wirelessly receive an authorization request from the purchaser-owned device, to transmit authorization information to the purchaser-owned device, and to transmit the authorization information to a bank lender to effect a transfer of funds; and

the wireless purchaser-owned device configured to send and receive short range communications with the wireless vendor device, to send a long range authorization request to the authorization processor, and to receive the authorization information from the authorization processor, wherein the purchaser-owned device is further configured to store the authorization information received from the authorization processor and to transmit the authorization information to the vendor device to effect the purchase of a product or service.

2. A system as recited in claim 1, wherein the wireless purchaser-owned device comprises a biometric input device to identify a user.

3. A system as recited in claim 1, wherein the purchaser-owned device is configured to selectively manage the authorization information with other authorization information corresponding to other purchases made.

4. A system as recited in claim 1, wherein the purchaser-owned device is a pda.

5. In a wireless purchasing environment wherein an electronic receipt is generated by a purchaser-owned device at a point of sale, a method for effecting a purchase of a product or service, the method comprising the steps for:

obtaining sales information from a wireless vendor;

sending a long range authorization request from a wireless purchaser-owned device to an authorization processor;

receiving authorization information at the wireless purchaser-owned device from the authorization processor; and

transmitting the authorization information from the wireless purchaser-owned device to the wireless vendor device to effect the purchase.

6. A method as recited in claim 5, further comprising the steps for:

receiving biometric information at the purchaser-owned device; and

using the biometric information at the purchaser-owned device to identify a user.

7. A method as recited in claim 5, further comprising the step for storing a copy of the authorization information at the purchaser-owned device.

8. A method as recited in claim 7, further comprising the step for managing the copy of the authorization information and other authorization information on the purchaser-owned device that corresponds to other purchases.

9. A method as recited in claim 5, wherein the wireless purchaser-owned device is a pda.

10. In a wireless purchasing environment wherein an electronic receipt is generated by a purchaser-owned device at a point of sale, a method for providing authorization to effect a purchase, the method comprising the steps for:

receiving, at an authorization processor, a long-range authorization request from a wireless purchaser-owned device;

transmitting authorization information from the authorization processor to the wireless purchaser-owned device to enable the wireless purchaser-owned device to provide the authorization information to a wireless vendor device to effect the purchase; and

transmitting a copy of the authorization information to a corresponding bank lender to effect a transfer of funds corresponding to the purchase.

11. A method as recited in claim 10, wherein the authorization request includes information identifying a user of the purchaser-owned device.

12. A method as recited in claim 11, wherein the identification information includes biometric information of the user.

13. A method as recited in claim 11, wherein the authorization request further includes vendor information provided by the vendor device to the purchaser-owned device.

14. A method as recited in claim 10, further comprising the step for transferring the funds from a first account to a second account.

15. A method as recited in claim 14, wherein the first account is owned by the purchaser and the second account is owned by the vendor.

16. A method as recited in claim 10, wherein the wireless purchaser-owned device is a pda.