Retail terminal configured as consumer gateway to electronic billing application

• US 6,676,016 B1
• Filed: 05/04/2000
• Issued: 01/13/2004
• Est. Priority Date: 05/04/2000
• Status: Expired due to Term

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation
• Inventors: Coskrey, Ernest C. IV
• Primary Examiner(s): Le, Thien M.
• Assistant Examiner(s): Sanders, Allyson
• Application Number:
  US09/564,778
• Time in Patent Office: 1,349 Days
• Field of Search: 235/380, 235/449, 235/375, 235/379, 235/382, 705/18
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00

Abstract

A retail terminal is utilized as a gateway to an electronic billing application that allows a user to gain access to the electronic billing application and thereafter tender payment for the bill. A paper bill that is sent to a user is encoded with user login information that is obtainable by the retail terminal. The retail terminal obtains the user login information from the bill and logs the user into the electronic billing application. Various peripheral devices associated with the retail terminal are configured to accept payment for the bill. In one form, the user login information is encoded as a bar code on the bill that contains a user ID and, optionally, a password. The present invention improves the usability and reliability of an electronic billing application. Further, the present invention minimizes the chance that a user will erroneously enter someone else'"'"'s account number, and provide a level of security by ensuring that the user is in possession of the printed bill. The electronic billing application is configured to be accessed from the retail terminal, read the user'"'"'s login information from the bill, authenticate the information, and accept payment therefor.

Claims

1. A retail terminal comprising:

a processing unit;

a display in electronic communication with said processing unit;

a scanner in electronic communication with said processing unit; and

memory in electronic communication with said processing unit and having instructions stored therein which, when executed by said processing unit, causes the retail terminal to;

obtain user login information from a bill via said scanner;

verify the user login information; and

allow user access to an electronic billing application upon verification of the user login information,

wherein said retail terminal is also configured to perform a point-of-sale (POS) retail function.

2. The retail terminal of claim 1, comprising:

a payment device in electronic communication with said processing unit; and

wherein said memory has further instructions stored therein which, when executed by said processing unit, causes the retail terminal to further accept payment for the bill via said payment device upon verification of the user login information.

3. The retail terminal of claim 2, wherein said payment device comprises a card reader.

4. The retail terminal of claim 3, wherein said card reader is one of a magnetic strip card reader and a smart card reader.

5. The retail terminal of claim 2, wherein said payment device comprises a cash acceptor.

6. The retail terminal of claim 1, wherein said scanner comprises a bar code scanner, and said user login information is encoded onto the bill as a bar code.

7. The retail terminal of claim 1, wherein the scanner is operable to scan information from an item for purchase into said retail terminal.

8. In a retail terminal having a processing unit, a display in electronic communication with the processing unit, a scanning device in electronic communication with the processing unit, and a payment device in electronic communication with the processing unit, a method comprising the steps of:

obtaining user information from a bill via the scanning device of the retail terminal;

authenticating the user information;

accepting payment for the bill via the payment device of the retail terminal upon authenticating the user information; and

performing a point-of-sale (POS) retail function with the retail terminal.

9. The method of claim 8, wherein the step of obtaining user information from a bill via a scanning device includes utilizing a bar code scanner.

10. The method of claim 8, wherein the step of accepting payment for the bill via the payment device includes utilizing a card reader.

11. The method of claim 10, wherein the utilization of a card reader includes utilization of one of a magnetic strip card reader and a smart card reader.

12. The method of claim 8, wherein the step of accepting payment for the bill via the payment device includes utilizing a cash acceptor.

13. The method of claim 8, wherein the step of performing a point-of-sale (POS) retail function includes obtaining information from an item for purchase via the scanning device.

14. In a retail terminal having a processing unit, a display in electronic communication with the processing unit, and a scanner in electronic communication with the processing unit, a method comprising the steps of:

obtaining user login information from a bill via the scanner of the retail terminal;

verifying the user login information;

allowing user access to an electronic billing application upon verification of the user login information; and

performing a point-of-sale (POS) retail function with the retail terminal.

15. The method of claim 14, wherein the retail terminal further includes a payment device, and the method further includes the step of:

accepting payment for the bill via the payment device upon verification of the user login information.

16. The method of claim 15, wherein the step of accepting payment for the bill via the payment device upon verification of the user login information includes utilizing a card reader.

17. The method of claim 16, wherein the utilization of a card reader includes utilizing one of a magnetic strip card reader and a smart card reader.

18. The method of claim 15, wherein the step of accepting payment for the bill via the payment device upon verification of the user login information includes utilizing a cash acceptor.

19. The method of claim 14, wherein the step of obtaining user login information from a bill via the scanner includes utilizing a bar code scanner, and the user login information is encoded onto the bill as a bar code.

20. The method of claim 14, wherein the step of performing a pointof-sale (POS) retail function includes obtaining information from an item for purchase via the scanner.