Multi-function transaction processing system

• US 6,651,885 B1
• Filed: 06/08/2000
• Issued: 11/25/2003
• Est. Priority Date: 06/08/2000
• Status: Expired due to Term

• Current Assignee: Hypercom Corporation (Verifone Systems, Inc.)
• Original Assignee: Hypercom Corporation (Verifone Systems, Inc.)
• Inventors: Arias, Luis A.
• Primary Examiner(s): CHILCOT, RICHARD E
• Application Number:
  US09/588,917
• Time in Patent Office: 1,265 Days
• Field of Search: 235/375, 235/376, 235/380, 235/381, 235/382, 235/382.5, 235/383, 235/432, 235/462, 235/470, 235/472, 705/1, 705/16, 705/17, 705/18, 705/44, 705/43, 705/14, 700/231-244
• US Class Current: 235/381
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• 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: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

A multi-function transaction processing system including a transaction terminal having a data entry facility and a transaction processor, the transaction processor being communicatively associated with a control processor that defines user accounts and issues one or more authorization codes associated with the user account(s) in response to payment authorities provided at the transaction terminal utilizing a payment authority input of the data entry facility. Furthermore, a printer assembly is communicatively associated with the transaction terminal and generates a card assembly, the card assembly including a first portion containing the authorization code thereon, and a second portion including additional promotional materials thereon. The user account as defined by the control assembly, includes a defined value, the authorization code provided being utilized to facilitate a transaction in accordance with that defined value.

Claims

1. A multi-function transaction processing system comprising:

a) a transaction terminal, said transaction terminal including a data entry facility and a transaction processor;

b) said transaction processor of said transaction terminal being communicatively associated with at least a control processor;

c) said data entry facility including a payment authority input structured to accept a payment authority;

d) said control processor structured to define a user account and to issue an authorization code associated with said user account at least in response to said payment authority;

e) a printer assembly communicatively associated with said transaction terminal and structured to generate a card assembly;

f) said card assembly including at least a first portion and a second portion, said first portion including at least said authorization code thereon;

g) said second portion including promotional materials; and

h) said user account including a defined value at least partially defined by said payment authority, said authorization code structured to facilitate a transaction in accordance with said defined value.

2. A multi-function transaction processing system as recited in claim 1 wherein said transaction that is facilitated by said authorization code includes a telephony communication, an extent of said telephony communication being limited by said defined value of said user account associated with said authorization code.

3. A multi-function transaction processing system as recited in claim 2 wherein said first portion of said card assembly further includes a telephony access number structured to be utilized to initiate said telephony communication with a telephony server.

4. A multi-function transaction processing system as recited in claim 1 wherein said card assembly is generally elongate, said first portion being detachable from said second portion.

5. A multi-function transaction processing system as recited in claim 4 wherein said first portion of said card assembly is structured to be substantially compact.

6. A multi-function transaction processing system as recited in claim 1 wherein said data entry facility includes a keypad.

7. A multi-function transaction processing system as recited in claim 1 wherein said data entry facility includes an electronic signature capture assembly.

8. A multi-function transaction processing system as recited in claim 1 wherein said payment authority input comprises a keypad structured to receive an input related to an external payment verification, said external payment verification at least partially comprising said payment authority.

9. A multi-function transaction processing system as recited in claim 8 wherein said transaction processor is structured to require an access authorization in connection with said external payment verification at least so as to ensure a validity of said external payment verification.

10. A multi-function transaction processing system as recited in claim 9 wherein said transaction processor is structured to communicate said payment authority to said control processor, said control processor structured to at least partially add a value associated with said payment authority to said defined value of said user account.

11. A multi-function transaction processing system as recited in claim 10 wherein said external payment verification is structured to identify a cash transaction.

12. A multi-function transaction processing system as recited in claim 10 wherein said external payment verification is structured to identify a credit transaction.

13. A multi-function transaction processing system as recited in claim 1 wherein said payment authority input is structured to receive credit card transaction information as said payment authority.

14. A multi-function transaction processing system as recited in claim 13 wherein said credit card transaction information includes at least a credit card account and a transaction amount.

15. A multi-function transaction processing system as recited in claim 14 wherein said transaction processor is structured to communicate said credit card transaction information to said control processor for authorization.

16. A multi-function transaction processing system as recited in claim 15 wherein said control processor is structured to at least partially add said transaction amount associated with said credit card transaction information to said defined value of said user account.

17. A multi-function transaction processing system as recited in claim 15 further comprising a receipt printer structured to print a receipt associated with an authorized transaction.

18. A multi-function transaction processing system as recited in claim 17 wherein said printer assembly includes said receipt printer.

19. A multi-function transaction processing system as recited in claim 17 wherein said receipt printer is at least partially distinct from said printer assembly.

20. A multi-function transaction processing system as recited in claim 13 wherein said payment authority input includes a magnetic stripe reader.

21. A multi-function transaction processing system as recited in claim 13 wherein said payment authority input device includes a keypad.

22. A multi-function transaction processing system as recited in claim 13 wherein said data entry facility includes an electronic signature capture assembly.

23. A multi-function transaction processing system as recited in claim 1 wherein said transaction that is facilitated by said authorization code includes a purchase, an amount of said purchase being limited by said defined value of said user account associated with said authorization code.

24. A multi-function transaction processing system as recited in claim 23 wherein said control processor is structured to authorize said purchase in accordance with said authorization code and said associated account value, thereby restricting access to information associated with a user making said purchase utilizing said authorization code.

25. A multi-function transaction processing system as recited in claim 24 further comprising a remote transaction processor, said remote transaction processor structured to receive said authorization code from said user and to communicate with said control processor so as validate said purchase.

26. A multi-function transaction processing system as recited in claim 1 wherein said transaction terminal further comprises a display screen.

27. A multi-function transaction processing system as recited in claim 1 wherein said transaction comprises a lottery purchase, said control processor structured to store a pre-defined quantity of lottery entries and to issue at least one of said lottery entries in response to said lottery purchase.

28. A multi-function transaction processing system as recited in claim 27 wherein said card assembly includes said lottery entry thereon.

29. A multi-function transaction processing system as recited in claim 1 wherein said control processor is structured to maintain records of an activity of said transaction processor, said activity of said transaction processor including at least a communication of said payment authority to said control processor.

30. A multi-function transaction processing system as recited in claim 1 wherein said control processor is structured to maintain records at least of communications between said transaction processor and said control processor.

31. A multi-function transaction processing system as recited in claim 1 wherein said card assembly is defined from a segment of generally stiff material, said printer assembly structured to receive said segment of generally stiff material therethrough.

32. A multi-function transaction processing system comprising:

a. a transaction terminal, said transaction terminal including a data entry facility and a transaction processor;

b. said transaction processor of said transaction terminal being communicatively associated with at least a control processor;

c. said data entry facility including a payment authority input structured to accept a payment authority;

d. said control processor structured to define a user account and to issue at least one authorization code associated with said user account at least in response to said payment authority;

e. a printer assembly communicatively associated with said transaction terminal and structured to generate a card assembly;

f. said card assembly including at least said authorization code thereon;

g. said user account including a defined value at least partially defined by said payment authority, said authorization code structured to facilitate a telephony communication in accordance with said defined value; and

h. said card assembly being generally elongate and further including promotional materials thereon, said promotional materials being at least partially detachable from a portion of said card assembly containing said authorization code.

33. A multi-function transaction processing system as recited in claim 32 wherein said card assembly further includes a telephony access number structured to be utilized to initiate said telephony communication with a telephony server.

34. A multi-function transaction processing system as recited in claim 32 wherein said data entry facility includes a keypad.

35. A multi-function transaction processing system as recited in claim 32 wherein said data entry facility includes an electronic signature capture assembly.

36. A multi-function transaction processing system as recited in claim 32 wherein said payment authority input is structured to receive an input related to an external payment verification, said external payment verification at least partially comprising said payment authority.

37. A multi-function transaction processing system as recited in claim 36 wherein said transaction processor is structured to communicate said payment authority to said control processor, said control processor structured to at least partially add a value associated with said payment authority to said defined value of said user account.

38. A multi-function transaction processing system as recited in claim 32 wherein said payment authority input is structured to receive credit card transaction information as said payment authority.

39. A multi-function transaction processing system as recited in claim 38 wherein said control processor is structured to at least partially add a transaction amount associated with said credit card transaction information to said defined value of said user account.

40. A multi-function transaction processing system as recited in claim 39 further comprising a receipt printer structured to print a receipt associated with an authorized transaction.

41. A multi-function transaction processing system as recited in claim 38 wherein said payment authority input includes a magnetic stripe reader.

42. A multi-function transaction processing system as recited in claim 38 wherein said data entry facility includes an electronic signature capture assembly.

43. A multi-function transaction processing system as recited in claim 32 wherein a further transaction that is facilitated by said authorization code includes a purchase, an amount of said purchase being limited by said defined value of said user account associated with said authorization code.

44. A multi-function transaction processing system as recited in claim 43 wherein said control processor is structured to authorize said purchase in accordance with said authorization code and said associated account value, thereby restricting access to information associated with a user making said purchase utilizing said authorization code.

45. A multi-function transaction processing system as recited in claim 32 wherein said transaction comprises a lottery purchase, said control processor structured to store a pre-defined quantity of lottery entries and to issue at least one of said lottery entries in response to said lottery purchase.

46. A multi-function transaction processing system as recited in claim 32 wherein said control processor is structured to maintain records of an activity of said transaction processor, said activity of said transaction processor including at least a communication of said payment authority to said control processor.

47. A multi-function transaction processing system comprising:

a. a transaction terminal, said transaction terminal including a data entry facility and a transaction processor;

b. said transaction processor of said transaction terminal being communicatively associated with at least a control processor;

c. said data entry facility including a payment authority input structured to accept a payment authority;

d. said control processor structured to define a user account and to issue at least one authorization code associated with said user account at least in response to said payment authority;

e. said user account including a defined value at least partially defined by said payment authority; and

f. said authorization code structured to be provided to a merchant in connection with a purchase, an amount of said purchase being limited by said defined value of said user account associated with said authorization code.

48. A multi-function transaction processing system as recited in claim 47 wherein said control processor is structured to authorize said purchase in accordance with said authorization code and said associated account value, thereby restricting access to information associated with a user making said purchase utilizing said authorization code.

49. A multi-function transaction processing system as recited in claim 48 further comprising a remote transaction processor associated with the merchant, said remote transaction processor structured to receive said authorization code from said user and to communicate with said control processor so as validate said purchase.

50. A multi-function transaction processing system as recited in claim 47 further comprising a printer assembly communicatively associated with said transaction terminal and structured to generate a card assembly including at least said authorization code thereon.

51. A multi-function transaction processing system as recited in claim 47 wherein said payment authority input is structured to receive an input related to an external payment verification, said external payment verification at least partially comprising said payment authority.

52. A multi-function transaction processing system as recited in claim 47 wherein said payment authority input is structured to receive credit card transaction information as said payment authority.

53. A multi-function transaction processing system as recited in claim 52 wherein said control processor is structured to at least partially add a transaction amount associated with said credit card transaction information to said defined value of said user account.