Wireless transfer of account data and signature from hand-held device to electronic check generator

• US 7,207,477 B1
• Filed: 03/08/2004
• Issued: 04/24/2007
• Est. Priority Date: 03/08/2004
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US10/795,761
• Time in Patent Office: 1,142 Days
• Field of Search: 235/379, 235/380, 235/375, 235/472.01, 235/472.02, 235/472.03
• US Class Current: 235/379
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07G 1/0045 with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
• CPC Class Codes: G07G 1/0081 the reader being a portable scanner or data reader G07G1/009 takes precedence

Abstract

Apparatus and method for purchasing an item via a self-service checkout at a merchant store. The item is associated with a bar code and an anti-theft device. A customer uses their phone to establish communication with the store'"'"'s transaction host. The phone includes a camera and a programmable memory. The memory includes customer account data. The camera is used to capture and transmit an image of the bar code to the host. The host determines the item'"'"'s cost from the received bar code image. The customer can wirelessly transmit their account data from the phone to an in-store terminal. The terminal can transmit the account data to the host. The host can accept and use the account data in payment for the item. After customer payment for the item, the host causes the anti-theft device to be neutralized.

Claims

1. Apparatus comprising:

a portable hand-held customer device including a programmable memory,

wherein the memory includes financial account data stored therein,

wherein the memory includes electronic signature data stored therein,

wherein the customer device is operable by a customer during a transaction with a merchant,

a merchant transaction system,

wherein the transaction system is operative to receive the account data and the electronic signature data from the customer device via wireless communication during the transaction,

wherein the transaction system includes an electronic check template,

wherein the check template comprises software operative to generate an electronic check using the account data and the electronic signature data.

2. Apparatus comprising:

a portable hand-held customer device including a programmable memory,

wherein the memory includes financial account data stored therein,

wherein the memory includes electronic signature data stored therein,

wherein the customer device is operable by a customer to provide payment during a purchase transaction,

a merchant transaction system,

wherein the merchant transaction system is operative to accept transaction payment,

wherein the merchant transaction system is operative to receive the account data and the electronic signature data from the customer device via wireless communication during a transaction,

wherein the merchant transaction system includes an electronic check template,

wherein the check template comprises software operative to generate an electronic check using the account data and the electronic signature data.

3. The apparatus according to claim 2 wherein the merchant transaction system includes a customer approachable checkout terminal, wherein customer payment for a purchase can be received at the checkout terminal, wherein the checkout terminal is operative to receive the account data and the electronic signature data from the customer device via wireless communication, wherein the electronic signature data comprises data representative of a user-identifying written signature.

4. The apparatus according to claim 3 wherein the checkout terminal includes a terminal computer, wherein the terminal computer includes the check template.

5. The apparatus according to claim 3 wherein the checkout terminal includes a terminal computer, wherein the merchant transaction system includes a remote computer operative to communicate with the terminal computer, wherein the remote computer includes the check template.

6. The apparatus according to claim 3 wherein the financial account data comprises checking account data.

7. The apparatus according to claim 6 wherein the merchant transaction system is operative to transmit the electronic check to a bank or check clearly facility.

8. The apparatus according to claim 6 wherein the merchant transaction system is operative to produce an image of the electronic check on a display screen.

9. The apparatus according to claim 8 wherein the checkout terminal includes the display screen.

10. The apparatus according to claim 9 wherein the electronic signature data represents a reproduction of a handwritten signature, wherein the merchant transaction system is operative to produce an image of the handwritten signature on the display screen prior to generating the electronic check, wherein displayed handwritten signature is viewable by a merchant for signature verification.

11. The apparatus according to claim 8 wherein the customer device includes the display screen.

12. The apparatus according to claim 6 wherein the merchant transaction system includes a printer device, wherein the printer device is operative to print a copy of the electronic check.

13. The apparatus according to claim 6 wherein the customer device is operative to receive the electronic check from the merchant transaction system.

14. The apparatus according to claim 2 wherein the customer device comprises one of a card or phone.

15. The apparatus according to claim 2 wherein the check template is operative to generate an electronic check having a payee section and check amount section, wherein the payee section includes information representative of a merchant, wherein the check amount section includes information representative of a cost of purchase.

16. The apparatus according to claim 2 wherein the check template is operative to generate the electronic check responsive to information received from both a customer and a merchant.

17. The apparatus according to claim 16 wherein received customer information comprises any of checking account number, financial institution name, financial institution number, check number, customer name, customer address, and customer phone number.

18. The apparatus according to claim 16 wherein received merchant information comprises any of purchase amount, merchant identifier, financial institution number, date, and deposit account number.

19. Apparatus comprising:

a portable hand-held device including a programmable memory,

wherein the memory includes financial account data stored therein,

wherein the memory includes electronic signature data stored therein,

a transaction system,

wherein the transaction system is operative to receive the account data and the electronic signature data from the hand-held device via wireless communication during a transaction,

wherein the transaction system includes an electronic check template,

wherein the check template includes software operative to use the account data and the electronic signature data in generating an electronic check having a check routing number, wherein the check routing number includes a number representative of a financial institution and a number representative of a customer checking account.

20. Apparatus comprising:

a portable hand-held customer device including a programmable memory,

wherein the memory includes checking account data stored therein,

wherein the memory includes electronic signature data stored therein,

wherein the electronic signature data comprises data representative of a user-identifying written signature,

wherein the hand-held customer device is operable by a customer to provide payment during a purchase transaction,

a merchant transaction system,

wherein the merchant transaction system includes a customer approachable checkout terminal,

wherein the checkout terminal is operative to determine a purchase amount,

wherein the checkout terminal is operative to receive customer payment for the purchase amount,

wherein the checkout terminal is operative to receive the checking account data and the electronic signature data from the hand-held customer device via wireless communication,

wherein the merchant transaction system comprises stored merchant information,

wherein the merchant information includes a merchant identifier,

wherein the merchant transaction system includes an electronic check template,

wherein the check template comprises software operative to generate a dated electronic check using the checking account data, the electronic signature data, the purchase amount, and the merchant identifier.