System and method for biometrically-initiated refund transactions
First Claim
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1. A method for completing a receiptless refund transaction by accessing purchase transaction information via a user record stored at a database, the method comprising:
- receiving, from a user, a refund pre-approval request, said request including first biometric data from said user and information pertaining to a product the user desires to return;
locating a user record associated with said first biometric data;
locating, at said user record, previously stored purchase transaction information associated with said product information;
determining whether or not said product is eligible for return;
if said product is determined eligible for return, pre-approving said request;
receiving, via a refund station, user second biometric data, said product information and said product presented for return, wherein at least said user second biometric data is used to located a user record;
determining the condition of said product;
if said product condition meets return parameters, crediting a monetary amount associated with said product return to a financial account associated with said user record; and
storing said product return transaction information in said user record.
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Abstract
The present invention is a system and method of conducting refund transactions via electronic transaction records. System user transaction information entered into the system is stored in association with user biometric information. Transaction information is retrieved via user biometric recognition/verification for conducting refund transactions.
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Citations
20 Claims
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1. A method for completing a receiptless refund transaction by accessing purchase transaction information via a user record stored at a database, the method comprising:
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receiving, from a user, a refund pre-approval request, said request including first biometric data from said user and information pertaining to a product the user desires to return; locating a user record associated with said first biometric data; locating, at said user record, previously stored purchase transaction information associated with said product information; determining whether or not said product is eligible for return; if said product is determined eligible for return, pre-approving said request; receiving, via a refund station, user second biometric data, said product information and said product presented for return, wherein at least said user second biometric data is used to located a user record; determining the condition of said product; if said product condition meets return parameters, crediting a monetary amount associated with said product return to a financial account associated with said user record; and storing said product return transaction information in said user record. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for a user to complete a refund pre-approval transaction by accessing a user record stored at a database, the method comprising:
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receiving a request to complete a refund pre-approval transaction, said request at least including first biometric data; retrieving said pre-approved refund transaction request from a user record associated with second biometric data if said first biometric data matches said second biometric data; receiving, from the user, an item associated with said refund pre-approval transaction; determining whether said item meets return parameters; and if said item meets return parameters, completing said refund pre-approval transaction by providing the user a value associated with said return. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification