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

• US 7,344,066 B1
• Filed: 03/06/2007
• Issued: 03/18/2008
• Est. Priority Date: 04/17/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US11/714,606
• Time in Patent Office: 378 Days
• Field of Search: 235/379, 235/380, 235/381, 235/383
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• 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: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02

Abstract

A customer phone has a programmable memory which includes checking account data. The memory also includes electronic signature data representative of a user-identifying written signature. A merchant transaction system includes a checkout terminal which can receive the checking account data and the electronic written signature from the phone via wireless communication. The merchant transaction system also includes an electronic check template. The check template includes software that can use the checking account data and electronic signature data to generate an electronic check as payment for a purchase. The check template can include the current date, the purchase amount, and the merchant as payee in the generated check.

Claims

1. Apparatus comprising:

a merchant transaction system,

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

wherein the checkout terminal includes a terminal computer and at least one communication device,

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 at least one communication device is operative to wirelessly receive customer checking account data and electronic customer signature data from a hand-held customer device during the customer payment,

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 includes software that enables the merchant transaction system to use received customer checking account data, received electronic customer signature data, a determined purchase amount, and the merchant identifier to generate a dated electronic check including a customer checking account number, a customer signature, a purchase amount, and the merchant identifier.

2. The apparatus according to claim 1 wherein the electronic check includes a check routing number, wherein the check routing number includes a number representative of a financial institution and the customer checking account number.

3. The apparatus according to claim 1 wherein the electronic check includes a check amount section, wherein the check amount section includes the purchase amount.

4. The apparatus according to claim 3 wherein the electronic check includes a payee section, wherein the payee section includes the merchant identifier.

5. The apparatus according to claim 4 wherein the check template is operative to generate the electronic check to automatically have the payee section include the merchant identifier by default.

6. The apparatus according to claim 5 wherein the merchant identifier comprises at least one of a merchant name and a store identification number.

7. The apparatus according to claim 4 wherein the check template is further operative to generate the electronic check to include any of a financial institution name, check number, customer name, customer address, customer phone number, and merchant deposit account number.

8. The apparatus according to claim 1 wherein the checkout terminal includes a display screen, wherein the electronic customer 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 the displayed image is viewable by a merchant for signature verification.

9. The apparatus according to claim 1 wherein the terminal computer includes the check template.

10. The apparatus according to claim 1 wherein the merchant transaction system includes a remote computer operative to communicate with the terminal computer, wherein the remote computer includes the check template.

11. The apparatus according to claim 1 wherein the merchant transaction system is operative to electronically transmit the electronic check to at least one of a bank and check clearly facility.

12. A method comprising:

(a) operating a customer approachable checkout terminal of a merchant transaction system to determine a purchase amount during a purchase transaction,

wherein the checkout terminal includes a terminal computer and at least one communication device,

wherein the merchant transaction system includes stored merchant information comprising a merchant identifier,

wherein the merchant transaction system includes an electronic check template including software;

(b) operating the at least one communication device to wirelessly receive customer checking account data and electronic customer signature data during customer payment for the purchase amount; and

(c) operating the software during the purchase transaction to use the customer checking account data, the electronic customer signature data, the purchase amount, and the merchant identifier to generate a dated electronic check including a customer checking account number, a customer signature, the purchase amount, and the merchant identifier.

13. The method according to claim 12

wherein step (b) includes operating the checkout terminal to wirelessly receive a number representative of a financial institution and the customer checking account number,

wherein step (c) includes generating an electronic check to including a check routing number, wherein the check routing number includes the number representative of a financial institution and the customer checking account number.

14. The method according to claim 12 wherein step (c) includes generating an electronic check including a check amount section and a payee section, wherein the check amount section includes the purchase amount, and wherein the payee section includes the merchant identifier.

15. The method according to claim 14 wherein step (c) includes generating an electronic check including at least one of a financial institution name, check number, customer name, customer address, customer phone number, and merchant deposit account number.

16. The method according to claim 14 wherein step (c) includes generating the payee section with the merchant identifier automatically located therein by default, wherein the merchant identifier comprises at least one of a merchant name and a store identification number.

17. The method according to claim 12 wherein the checkout terminal includes a display screen, wherein the electronic customer signature data represents a reproduction of a handwritten signature, and further comprising:

(d) prior to step (c), operating the merchant transaction system to produce an image of the handwritten signature on the display screen, wherein the displayed image is viewable by a merchant for signature verification.

18. The method according to claim 12 wherein the terminal computer includes the check template, wherein step (c) includes operating the terminal computer in generating the electronic check.

19. The method according to claim 12 wherein the merchant transaction system includes a remote computer operative to communicate with the terminal computer, wherein the remote computer includes the check template, wherein step (c) includes operating the remote computer in generating the electronic check.

20. The method according to claim 12 and further comprising:

(d) operating the merchant transaction system to transmit the electronic check to at least one of a bank and check clearly facility.

21. The method according to claim 12 wherein step (b) includes operating the at least one wireless communication device to wirelessly receive the customer checking account data and the electronic customer signature data from a hand-held customer device.

22. The method according to claim 12 wherein step (b) is prior to step (c).

23. A method comprising:

(a) during a customer purchase transaction, operating a merchant transaction system to determine a purchase amount, wherein the merchant transaction system includes an electronic check template and stored merchant information comprising a merchant identifier;

(b) during customer payment of the purchase amount determined in step (a), operating a payment terminal of the merchant transaction system to wirelessly receive customer checking account data and electronic customer signature data; and

(c) subsequent to step (b), using the electronic check template to generate a dated electronic check including at least each of a customer checking account number associated with the customer checking account data received in step (b), a customer signature associated with the electronic customer signature data received in step (b), a check payee corresponding to the merchant identifier, and a check amount corresponding to the purchase amount determined in step (a).

24. The method according to claim 23 wherein the payment terminal comprises an in-store checkout terminal, wherein the in-store checkout terminal includes at least one wireless communication device, wherein step (b) includes operating the at least one wireless communication device to wirelessly receive the customer checking account data and the electronic customer signature data from a hand-held customer device.