Handheld device for selling transaction instruments via web-based tools

• US 8,070,056 B2
• Filed: 03/05/2009
• Issued: 12/06/2011
• Est. Priority Date: 03/12/2004
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Vollmer, Nicole Milne, Rose, John R., Rubner, Marc, Holt, Elizabeth Anne, Feldman, Gennye Hannover
• Primary Examiner(s): Kim, Ahshik
• Application Number:
  US12/398,394
• Publication Number:
  US 20090184162A1
• Time in Patent Office: 1,006 Days
• Field of Search: 235/380, 235/381, 235/375, 235/383, 705/38
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The present disclosure generally relates to a handheld point of sale system for distributing a transaction instrument. Such system may include a browser-based tool configured to facilitate distributing an open transaction instrument at the point of sale in association with purchase of the open transaction instrument by a consumer at the handheld point of sale system. The browser-based tool may also be configured to receive transaction information and to facilitate the distribution of the open transaction instrument by sending the transaction information from the browser-based tool to a host system, wherein the host system authorizes distribution of the open transaction instrument, funds and activates a transaction account associated with the open transaction instrument, and sends an authorization message to the browser-based tool. The browser-based tool may be further configured to receive the authorization and provide an indication of the authorization for the open transaction instrument to be vended to a consumer, wherein an account code is associated with the open transaction instrument and the transaction account.

Claims

1. A handheld point of sale system comprising:

a browser-based tool configured to facilitate distributing an open transaction instrument at the point of sale in association with purchase of the open transaction instrument by a consumer at the handheld point of sale system;

the browser-based tool configured to receive transaction information and to facilitate the distribution of the open transaction instrument by sending the transaction information from the browser-based tool to a host system, wherein the host system authorizes distribution of the open transaction instrument, funds and activates a transaction account associated with the open transaction instrument, and sends an authorization message to the browser-based tool; and

the browser-based tool further configured to receive the authorization and provide an indication of the authorization for the open transaction instrument to be vended to a consumer, wherein an account code is associated with the open transaction instrument and the transaction account.

2. The system of claim 1, further comprising a handheld printer.

3. The system of claim 1, further comprising a handheld transaction account reader.

4. The system of claim 1, wherein the browser-based tool is further configured to at least one of:

allow selection of pricing schemes, accept data associated with the open transaction instrument, allow selection of a payment type, provide a summary of the transaction information, email a receipt, or print a receipt.

5. The system of claim 1, wherein the browser-based tool is further configured to allow selection from a plurality of open transaction instruments to vend.

6. The system of claim 1, wherein the browser-based tool is further configured to receive transaction information from at least one of:

manual entry, a database, a digital wallet, a transaction instrument reader, a bar code scanner, an RFID reader and a biometric sensor.

7. The system of claim 1, wherein the open transaction instrument includes a plurality of open transaction instruments having different account codes.

8. The system of claim 1, wherein the browser-based tool is further configured to receive transaction information for purchasing a plurality of open transaction instruments having different account codes for purchase by a single consumer.

9. The system of claim 1, wherein the open transaction instrument comprises at least one of:

a pre-paid card, a gift card, a charge card, a phone card, a credit card, a debit card, a mall card, a variable load card, a fixed load card, a smart card, an RFID device, a paper receipt, and an account code.

10. The system of claim 1, wherein the browser-based tool is further configured to cause a signal containing the account code to be transmitted to a device associated with the consumer.

11. The system of claim 1, wherein the account code is displayed on the open transaction instrument by at least one of:

embossing and printing the account code on the open transaction instrument.

12. The system of claim 1, further comprising a tracking code which is included on at least one of:

the open transaction instrument and a sleeve associated with the open transaction instrument, wherein the tracking code is included in a format including at least one of;

a numerical format, a code format, bar code format, radio frequency format and magnetic stripe format.

13. The system of claim 1, wherein the open transaction instrument is configured to be generally accepted by at least one of:

merchants that are not directly affiliated with each other, merchants within one shopping mall, merchants within one payment network, merchants within one country, and merchants within one geographic region.

14. The system of claim 1, wherein the open transaction instrument is configured with restrictions comprising at least one of:

geographic restrictions and device restrictions.

15. The system of claim 1, wherein the browser-based tool is configured to receive transaction information comprising at least one of:

payment data, seller data, the account code and a load amount to be loaded to the open transaction instrument.

16. The system of claim 1, wherein the browser-based tool is configured to receive transaction information comprising payment data related to at least one of:

cash, transaction account information, loyalty points and cash equivalent value.

17. The system of claim 1, wherein the browser-based tool is configured to receive transaction information comprising payment data, wherein the payment data comprises at least one of:

account code of a payment account, charged amount, issuer information, security code, expiration date, cash equivalent value, demographic data, and loyalty point value.

18. The system of claim 1, wherein the browser-based tool is configured to receive transaction information comprising a load amount, wherein the load amount comprises at least one of:

an initial load amount, reload amount, cash equivalent value, loyalty point value, information to transfer value from another account and information to transfer value to another account.

19. The system of claim 1, wherein the browser-based tool is further configured to communicate the transaction information to the host via an intermediary.

20. The system of claim 1, wherein the browser-based tool is further configured to at least one of:

receive the authorization and provide an indication of the authorization, that the open transaction instrument is at least one of;

in stock, valid for sale, payment authorization amount is equivalent to a load amount, and load information is associated with the account code.

21. The system of claim 1, wherein the browser-based tool is further configured to facilitate:

reconciling, generating reports, producing receipts, cashing out of the open transaction instruments at a point of sale, voiding the open transaction instruments when a transaction is not settled, submitting a balance inquiry, and replacing lost open transaction instruments.

22. The system of claim 1, wherein the browser-based tool is further configured to facilitate moving the account code from an electronic vault to an electronic till to allow entry of the transaction information related to the account code.

23. The system of claim 1, wherein the browser-based tool is further configured to facilitate moving the account code from an electronic vault associated with a parent entity to an electronic till associated with an affiliate of the parent entity, to allow entry of the transaction information related to the account code.

24. A handheld point of sale system having a computer-readable medium having stored thereon a plurality of instructions that, in response to execution by the handheld point of sale system, cause the handheld point of sale system to perform operations comprising:

facilitating distributing an open transaction instrument at the point of sale in association with purchase of the open transaction instrument by a consumer at the point of sale;

receiving transaction information and facilitating the distribution of the open transaction instrument by sending the transaction information from the browser-based tool to a host system, wherein the host system authorizes distribution of the open transaction instrument, funds and activates a transaction account associated with the open transaction instrument, and sends an authorization message to the browser-based tool;

receiving the authorization and providing an indication of the authorization for the open transaction instrument to be vended to a consumer, wherein an account code is associated with the open transaction instrument and the transaction account.