System and method for purchase benefits at a point of sale

• US 7,464,059 B1
• Filed: 12/07/2004
• Issued: 12/09/2008
• Est. Priority Date: 09/21/2001
• Status: Expired due to Fees

• Current Assignee: Open Invention Network LLC
• Original Assignee: YT Acquisition Corp.
• Inventors: Watson, Timothy Neil, Robinson, Timothy L., Schildt, Bradford R., Goff, Tennille V., Corwin, Daniel J.
• Primary Examiner(s): Elisca, Pierre E
• Application Number:
  US11/005,079
• Time in Patent Office: 1,463 Days
• Field of Search: 705/67, 713/186
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/27 with central registration
• CPC Class Codes: G07G 1/0036 Checkout procedures

Abstract

A system and method of providing users with an accessible system and convenient method for conducting purchase benefit transactions. When enrolling in a biometric authorization system, a user may authorize the system to apply for purchase benefits on the user'"'"'s behalf at subsequent transactions.

Claims

1. A method for biometrically processing a rebate transaction for a user purchasing an item at a merchant location, the method comprising:

receiving information relating to the item for purchase at a point of sale, said item having an associated rebate offer;

obtaining biometric data from the user for processing of said rebate offer, wherein biometric data is compared against biometric data stored at a database remote from said point of sale in a record relating to the user to determine a match without the use of a token; and

upon a match of the biometric data and the stored biometric data, retrieving user identifying information from the user record and transmitting a rebate request to a benefit provider, wherein said rebate request includes the user identifying information and information associated with the rebate offer, wherein funds associated with fulfillment of said rebate request are transferred to a financial account associated with said record relating to the user stored at said remote database.

2. The method of claim 1, wherein said rebate offer is a tax refund.

3. The method of claim 2, further comprising imaging one or more of a tax refund form and an identification token.

4. The method of claim 1, further comprising paying a fee to a system operator for conducting said rebate transaction.

5. The method of claim 1, wherein information necessary for said rebate offer is retrieved from one or more of a point of sale and a user record.

6. The method of claim 5, wherein said information associated with the rebate offer includes one or more product identifiers.

7. The method of claim 6, wherein said product identifier is one of a product code, a radio frequency identification, a barcode, and an identification number.

8. The method of claim 1, further comprising storing a record of said rebate transaction.

9. The method of claim 8, further comprising employing said record during one of a return and an exchange, wherein one of a return value and an exchange value is discounted by said funds associated with fulfillment.

10. The method of claim 1, wherein said comparison transpires at a local device.

11. The method of claim 1, wherein said comparison transpires at a database.

12. The method of claim 1, wherein said financial account is a third-party account.

13. The method of claim 1 wherein the user identifying information comprises information pertaining to the financial account.

14. The method of claim 1 wherein the benefit provider comprises a manufacturer of the item.

15. A method for authorizing a purchase benefit transaction in a biometric authorization system, the method comprising:

presenting a purchase benefit transaction authorization agreement to a user;

receiving user consent to said authorization agreement;

storing said authorization agreement in association with a user record, said user record further including registered biometric data from said user;

receiving information for a purchase transaction of an item that has an associated purchase benefit transaction, wherein said received information includes transaction biometric data; and

automatically initiating processing of said purchase benefit transaction on behalf of said user in accordance with said stored authorization agreement upon a match of said transaction biometric data with said registered biometric data that is retrieved from said user record stored at a remote database.

16. The method of claim 15, wherein said processing includes assisting said user with one or more purchase benefit procedures.

17. The method of claim 16, wherein said assisting includes providing said user with one or more of a pre-addressed envelope, a benefit provider address label, a rebate form pre-printed with user information, and a warranty form pre-printed with user information.

18. The method of claim 15, wherein said purchase benefit transaction is one or more of a rebate, a warranty, and a consumer reward.

19. The method of claim 18, wherein if said purchase benefit transaction is a rebate, the form of value for said rebate is one or more of cash, a store-credit token, a store-credit account, a negotiable instrument, and a deposit in a financial account.

20. The method of claim 19, wherein said form of value is determined by one of the biometric authorization system, a system operator, a benefit provider or one or more user preferences.

21. The method of claim 19, further comprising sending a portion of said value to a charity designated by said user.

22. The method of claim 15, wherein said purchase benefit transaction is valid only if one or more parameters are met.

23. The method of claim 22, wherein said parameter is one or more of meeting a set number of participants, spending a set amount, buying an item, providing requested information, consenting to a marketing agreement, and consenting to a product research agreement.

24. The method of claim 15, further comprising charging a fee for conducting said purchase benefit transaction.

25. The method of claim 15, wherein said receiving user consent transpires during one or more of enrollment in said biometric authorization system, a purchase transaction, and a user record update.

26. The method of claim 15, wherein user biometric data is used as user consent to said authorization agreement.

27. The method of claim 15, wherein said authorization agreement appoints legal authority to one or more of said biometric authorization system and a third party.

28. The method of claim 15, further comprising notifying said user of actions necessary to receive said purchase benefit.

29. The method of claim 28, wherein said notifying occurs at a time subsequent to the purchase.

30. The method of claim 29, wherein said notifying occurs a plurality of times.

31. The method of claim 28, wherein said notifying is accomplished via one or more of email, mail, phone, and an authorization station.

32. The method of claim 15, further comprising offering said user the option to authorize one or more additional purchase benefits.

33. A method for authorizing a purchase benefit transaction in a biometric authorization system, the method comprising

receiving, from a point of sale, purchase item information;

presenting an authorization agreement to a user purchasing said purchase item, said authorization agreement providing an authorization for processing a purchase benefit transaction for said purchase item on behalf of said user;

obtaining user biometric data;

determining if said user biometric data matches registered biometric data stored in association with a user record; and

if said obtained user biometric data matches said registered biometric data, processing said purchase benefit transaction using information stored in association with said user record, wherein said user record is stored at a remote database.

34. The method of claim 33, wherein said purchase benefit transaction is one or more of a rebate, a warranty, and a consumer reward.

35. The method of claim 33, wherein said presenting occurs at an authorization station.

36. The method of claim 35, wherein said authorization station is a point of sale.

37. The method of claim 33, further comprising charging a fee for processing said purchase benefit transaction.

38. The method of claim 33, wherein said user biometric data is used as user consent to said authorization agreement.

39. The method of claim 33, wherein said processing includes assisting said user with one or more purchase benefit procedures.

40. The method of claim 39, wherein said assisting includes providing said user with one or more of a pre-addressed envelope, a benefit provider address label, a rebate form pre-printed with user information, and a warranty form pre-printed with user information.

41. The method of claim 33, further comprising registering said purchase item on behalf of another individual at the time of purchase.

42. The method of claim 33, further comprising transferring said purchase benefit to another individual.

43. A method for authorizing a warranty registration transaction in a biometric authorization system, the method comprising:

receiving information relating to an item for purchase at a point of sale, said item being predisposed for a warranty registration offer;

obtaining biometric data from a user for processing said warranty registration offer, wherein said biometric data is compared against biometric data stored in a record relating to the user to determine a match without use of a token; and

upon a match of the biometric data and the stored biometric data, retrieving user identifying information from said record and transmitting a registration request to a benefit provider, wherein said registration request includes said user identifying information and information relating to the item.

44. The method of claim 43, further comprising paying a fee to a system operator for conducting said warranty registration transaction.

45. The method of claim 43, wherein said information relating to the item includes one or more product identifiers.

46. The method of claim 45, wherein said product identifier is one of a product code, a radio frequency identification, a barcode, and an identification number.

47. The method of claim 43, further comprising transferring said warranty registration to another individual.

48. The method of claim 47, wherein said transferring occurs at an authorization station.

49. The method of claim 43, further comprising updating said warranty registration via an authorization station.