Systems and methods for configuring a point-of-sale system

• US 7,086,584 B2
• Filed: 04/03/2002
• Issued: 08/08/2006
• Est. Priority Date: 08/09/1999
• Status: Expired due to Term

• Current Assignee: First Data Corporation (Fiserv Incorporated), Western Union
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Stoutenburg, Earney, Nelson, Eric M., Price, James, Singleton, Jeffrey, Seifert, Dean A., Fillinger, Charles A., Mollett, Cassandra J.
• Primary Examiner(s): Frech, Karl D
• Assistant Examiner(s): Caputo, Lisa M.
• Application Number:
  US10/116,735
• Publication Number:
  US 20030222135A1
• Time in Patent Office: 1,588 Days
• Field of Search: 235/379, 235/380, 705/16, 705/17, 705/18, 194/212
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/04 by paper currency
• 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 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• 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: G07G 1/12 electronically operated digital data processing aspects G06Q20/00
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00

Abstract

Among other things, the present invention provides a variety of systems and methods for configuring and/or providing a configurable point-of-sale system. Various methods of the present invention include providing a point-of-sale device and coupling it to a communication network. One or more transaction systems are accessible to the point-of-sale device via the transaction network, instructions are loaded to the memory of the point-of-sale device allowing it to access the transaction system. Various systems include a plurality of point-of-sale devices communicably coupled to various transaction systems via a communication network. The point-of-sale devices can be configurable to access one or more of the various transaction systems.

Claims

1. A method for implementing a scalable value transfer system, the method comprising:

providing a point-of-sale device, wherein the point-of-sale device includes a processor, a memory, and a communication interface;

communicably coupling the point-of-sale device to a communication network via the communication interface, wherein a transaction system is accessible by the point-of-sale device via the communication network, the transaction system configured to process transactions between a merchant and customers;

receiving, with the communications interface, a set of instructions executable by the point-of-sale device to reconfigure the point-of-sale device to enable access to the transaction system; and

reconfiguring the point-of-sale device to enable access to the transaction system, the reconfiguring including loading the set of instructions to the memory.

2. The method of claim 1, wherein the receiving the set of instructions comprises:

receiving at least a portion of the set of instructions from the transaction system via the communication network.

3. The method of claim 2, the method further comprising:

before receiving the set of instructions, communicating with the transaction system via the communication network, wherein the communication comprises a request for access to the transaction system.

4. The method of claim 3, the method further comprising:

in response to the request for access, receiving a condition for accessing the transaction system; and

agreeing to the condition, wherein the portion of the set of instructions is provided from the transaction system to the point-of-sale device.

5. The method of claim 4, the method further comprising:

receiving a transaction request via the point-of-sale device;

in response to the transaction request, communicating the request for access to the transaction system; and

fulfilling the transaction request by accessing the transaction system.

6. The method of claim 3, the method further comprising:

receiving a transaction request via the point-of-sale device; and

fulfilling the transaction request by accessing the transaction system.

7. The method of claim 3, wherein the transaction system is a first transaction system, wherein a second transaction system is accessible via the communication network, and wherein the set of instructions is a first set of instructions, the method further comprising:

communicating with the second transaction system via the communication network, wherein the communication comprises a request for access to the second transaction system; and

receiving a second set of instructions from the second transaction system, wherein the second set of instructions are executable by the point-of-sale device to reconfigure the point-of-sale device to enable access to the second transaction system.

8. The method of claim 7, the method further comprising:

receiving a transaction request at the point-of-sale device; and

fulfilling the transaction request by accessing both the first and the second transaction systems.

9. The method of claim 1, wherein receiving the set of instructions comprises communicating with a second transaction system tailored for controlling a plurality of paint-of-sale devices via the communication interface;

and

receiving the set of instructions from the second transaction system.

10. The method of claim 1, wherein the transaction system is a money transfer system to transfer a monetary value from a sender to a recipient;

and wherein reconfiguring the point-of-sale device includes enabling the point-of-sale device to access the money transfer system to at least one of transfer the monetary value into the money transfer system for the sender and transfer the monetary value from the money transfer system for the recipient.

11. The method of claim 1, wherein the transaction system is a check acceptance system.

12. The method of claim 1, wherein the transaction system is a loyalty program system to administer a loyalty program;

and wherein reconfiguring the point-of-sale device includes enabling the point-of-sale device to transmit transaction details to the loyalty program and to receive a loyalty program value for a customer from the loyalty program system.

13. The method of claim 1, wherein the transaction system is a fraud detection system to detect potential fraud in relation to at least one of money transfers and stored value account usage.

14. The method of claim 1, wherein the transaction system is a stared value card system to credit and debit stored value accounts;

and wherein reconfiguring the paint-of-sale device includes enabling the point-of sale device to transmit transaction details for one of the stored value account to the stored value card system.

15. A method for deploying a dynamic value transfer system, the method comprising:

providing a plurality of point-of-sale devices, wherein each of the point-of-sale devices includes a processor, a memory, and a communication interface;

loading a set of instructions to the memory, wherein the set of instructions are executable by the each of the plurality of point-of-sale devices to facilitate access to at least a first transaction system;

communicably coupling the plurality of point-of-sale devices to a communication network via the communication interfaces, wherein the first transaction system and a second transaction system are accessible by each of the plurality of point-of-sale devices via the communication network;

receiving, at the communications interface of a first one of the point-of-sale devices, a second set of instructions; and

reconfiguring the first point-of-sale device to enable access to the second transaction system, the reconfiguring including loading the second set of instructions to the memory.

16. The method of claim 15, the method further comprising:

before receiving the second set of instructions, using the first point-of-sale device, communicating with the second transaction system via the communication network, wherein the communication comprises a request far access to the second transaction system.

17. The method of claim 16, wherein receiving the second set of instructions comprises receiving the second set of instructions at the first point-of-sale device from the second transaction system via the communication networks.

18. The method of claim 17, the method further comprising:

in response to the request for access, receiving a condition for accessing the second transaction system; and

agreeing to the condition.

19. The method of claim 17, the method further comprising:

receiving a transaction request via the first point-of-sale device;

in response to the transaction request, communicating the request for access to the second transaction system; and

after the reconfigure, fulfilling the transaction request by accessing the second transaction system.

20. The method of claim 15, wherein the second transaction system comprises a money transfer system to transfer a monetary value from a sender to a recipient.

21. The method of claim 15, wherein the second transaction system is a loyalty program system to administers loyalty program tracking loyalty points for customers.

22. The method of claim 15, wherein the second transaction system is a fraud detection system to detect potential fraud in relation to at least one of money transfers and stored value account usage.

23. The method of claim 15, wherein the second transaction system is a stored value card system to credit and debit stored value accounts.

24. An extensible transaction system, the system comprising:

a plurality of configurable point-of-sale devices, wherein each of the point-of-sale devices includes a processor, a memory, and a communication interface; and

wherein;

each of the plurality of point-of-sale devices are communicably coupled to a communication network via the communication interface,

a plurality of transaction systems are accessible via the communication network, and

the memory comprises instructions executable by the processor to request access to each of the plurality of transaction systems and instructions executable by the processor to receive additional instructions, from the communications interface, to enable the point-of-sale device to use one of the transaction systems.

25. The system of claim 24, wherein the memory further comprises instructions executable by the processor to receive second additional instructions from the communications interface to disable the point-of-sale device use of one of the transaction systems.