Authorization system and method
First Claim
1. A device that allows a device holder to participate in a purchase process, the device comprising:
- a memory on the device that stores account data and captures purchase history information including at least one of SKUs and UPCs;
a transmitter on the device for sending the account data to a Point of Sale device to complete a purchase;
an authorization button that prevents the device from transmitting the account data to the Point of Sale device unless initiated by the device holder; and
an authentication system that provides verification of ownership of at least one account associated with the account data.
5 Assignments
0 Petitions
Accused Products
Abstract
A system including a device having a screen and a memory to hold card data necessary to complete POS/ATM transactions. The device has an authorization, signature, PIN button and scroll wheel. Branding areas allow distributors to leverage space on the device. When the merchandise has been processed and ready to be paid for, the device holder either places their device in a docking station or holds it in front of a contact less reader. When the merchant is ready for authorization, the holder presses transmits the data to a register so the merchant can send the data through the card network for authorization. Once the transaction is authorized, the merchant requests the signature, fingerprint, and/or photo of the holder, which can be displayed, on the register to authenticate the holder. Upon completion, the transaction information is transmitted back to the device for storage and retrieval at a later date.
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Citations
12 Claims
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1. A device that allows a device holder to participate in a purchase process, the device comprising:
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a memory on the device that stores account data and captures purchase history information including at least one of SKUs and UPCs; a transmitter on the device for sending the account data to a Point of Sale device to complete a purchase; an authorization button that prevents the device from transmitting the account data to the Point of Sale device unless initiated by the device holder; and an authentication system that provides verification of ownership of at least one account associated with the account data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of authorizing a transaction, the method comprising the steps of
selecting an item for purchase at a merchant; -
initiating a transaction for purchase of the item at a checkout register by one of placing an authorization device in a docking station connected to the checkout register and holding the authorization device in front of a contact-less reader connected to the checkout register; authorizing the transaction by pressing an authorization button on the authorization device to transmit data to the checkout register; upon request of at least one of a signature and a photo of a device holder, pressing a signature button on the authorization device to display at least one of the signature and the photo on the register for authentication; receiving merchandise information on the authorization device for storage and retrieval at a later date; and completing the transaction. - View Dependent Claims (12)
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Specification