System and method for purchase benefits at a point of sale
First Claim
Patent Images
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.
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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.
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Citations
49 Claims
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1. A method for biometrically processing a rebate transaction for a user purchasing an item at a merchant location, the method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method for authorizing a purchase benefit transaction in a biometric authorization system, the method comprising:
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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. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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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. - View Dependent Claims (34, 35, 36, 37, 38, 39, 40, 41, 42)
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43. A method for authorizing a warranty registration transaction in a biometric authorization system, the method comprising:
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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. - View Dependent Claims (44, 45, 46, 47, 48, 49)
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Specification