Governor arrangement for contactless point of sale terminal gateway

• US 8,113,438 B1
• Filed: 10/10/2010
• Issued: 02/14/2012
• Est. Priority Date: 11/20/2006
• Status: Expired due to Fees

• Current Assignee: Daniel Lubart, David Leason
• Original Assignee: Daniel Lubart, David Leason
• Inventors: Leason, David, Lubart, Daniel
• Primary Examiner(s): Le, Thien M.
• Assistant Examiner(s): STANFORD, CHRISTOPHER J
• Application Number:
  US12/901,539
• Time in Patent Office: 492 Days
• Field of Search: 235/375, 235/379, 235/380, 235/492
• US Class Current: 235/492
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• 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 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards

Abstract

Gateway for contactless purchase transactions identifies plural transaction cards held by a customer at a point of sale terminal and loads account information into a memory. The customer'"'"'s payment options are presented and a selection is received through a user interface. Account information associated with the selected card is forwarded to the point of sale terminal for use in the purchase transaction. The memory is cleared of the account data in advance of a next purchase transaction. Optionally, payment options can be displayed concurrently for selection, and one or more of the payment options can be highlighted to encourage its selection, and other messages, offers, and incentives can be displayed to the customer.

Claims

1. A method for conducting a purchase transaction at a point of sale terminal, comprising the steps of:

contactlessly receiving at a gateway associated with the point of sale terminal, and in a collision-avoiding manner, account data from each of a plurality of individual transaction cards simultaneously placed in proximity to the gateway, each of the plurality of the individual transaction cards having an antenna for communication of the account data therefrom;

selectively providing preference data from one of the individual transaction cards to the gateway;

loading the account data received from each of the plurality of individual transaction cards into a memory associated with the gateway;

presenting on a display payment-options corresponding to the plurality of individual transaction cards that have been contactlessly received at the gateway, the presentation being made in accordance with the provided preference settings, if any, and otherwise in accordance with default preference data;

receiving a selection of a payment option;

forwarding account information associated with the selected payment option from the gateway to the point of sale terminal for use in the purchase transaction; and

clearing the memory of account data from each of the plurality of individual transaction cards in advance of a next purchase transaction.

2. The method of claim 1, wherein the presenting step comprises concurrently presenting at least two payment options on the display.

3. The method of claim 2, further comprising processing the account data, and, as a result of the processing step, offering on the display associated with the gateway a benefit for selecting a particular account payment option from among the presented payment options.

4. The method of claim 3, wherein performance of the selection-receiving step results in a first payment option selection, and wherein the offering step is made to the user after the receiving the first payment option selection, the method further comprising:

receiving a replacement selection of a payment option through a user interface associated with the gateway; and

forwarding the account information associated with the replacement selection from the gateway to the point of sale terminal for use in the purchase transaction.

5. The method of claim 4, further comprising forwarding terms of the benefit to the point of sale terminal for use in the purchase transaction.

6. The method of claim 2, further comprising processing the account data, and, as a result of the processing step, highlighting one of the at least two presented payment options relative to at least one of the remaining payment options.

7. The method of claim 1, further comprising processing the account data associated with each respective transaction card so as to determine a respective payment system, and wherein the presenting step presents one respective payment system for each of the one or more payment options.

8. The method of claim 1, wherein the memory associated with the gateway comprises at least a local memory of the gateway, the method further comprising storing one or more icons in the local memory, and wherein, for each payment option, the presenting step includes presenting a respective stored icon as the payment option.

9. The method of claim 8, further comprising associating account data corresponding to one or more payment options with the respective stored icon.

10. The method of claim 8, wherein the selection-receiving step comprises interaction with a button-object on the display, and wherein the button-object contains the presented respective stored icon as the payment option.

11. The method of claim 1, wherein the presenting step comprises presenting the one or more payment options as respective selectable button objects, and wherein the selection-receiving step comprises interaction with at least one of the button-objects on the display.

12. The method of claim 1, wherein the contactlessly-receiving step comprises interrogating the plurality of individual transaction cards, whereby each transaction card is energized and thereafter transmits respective account data to the gateway.

13. The method of claim 1, wherein the interrogating step comprises transmitting from the gateway a short-range magnetic field.

14. The method of claim 1, wherein the step of clearing the memory is performed in response to a signal from the point of sale terminal.

15. The method of claim 1, further comprising processing the account data, wherein the presenting step comprises selectively presenting the one or more payment options in accordance with operation of a rule base and further to the processing step.

16. The method of claim 15, wherein the rule base operates to determine a suitability of each loaded account data for the purchase transaction so as to selectively present the one or more payment-options that are determined to be suitable.

17. The method of claim 15, wherein the rule base operates to rank or prioritize the presentation of the one or more payment-options.

18. The method of claim 1, wherein the selection-receiving step comprises receiving a first payment option selection and a second payment option selection and wherein the forwarding step forwards the first and second payment option selections for use in the purchase transaction.

19. The method of claim 1, further comprising decrypting the contactlessly-received account data prior to the loading step.

20. The method of claim 1, wherein each of the steps occurs during a single session and after tallying at least one item in the purchase transaction at the point of sale terminal.

21. The method of claim 1, wherein the preference data is stored on a governor card that is among the plurality of individual transaction cards.

22. The method of claim 21, wherein the governor card includes an application family identifier (AFI) code that identifies the card as a financial card.

23. The method of claim 21, wherein the governor card has an antenna for communication of the preference data therefrom.

24. The method of claim 1, wherein the preference data comprises at least one preference setting established by the holder of the governor card.

25. The method of claim 24, wherein the preference data established by the holder of the governor card comprises a language preference.

26. The method of claim 24, wherein the preference data established by the holder of the governor card comprises a color scheme.

27. The method of claim 24, wherein the preference data established by the holder of the governor card comprises sight impaired settings.

28. A method for conducting a purchase transaction at a gateway connected to a point of sale terminal, comprising the steps of:

interrogating, in a collision-avoiding manner, a plurality of individual transaction cards simultaneously placed in proximity to a wireless radio frequency (RF) reader, each of the plurality of transaction cards having an antenna for communicating account data therefrom;

selectively providing preference data from one of the individual transaction cards to the gateway;

loading the account data associated with each of the transaction cards into a memory associated with the gateway;

presenting at least a portion of the loaded account data to a user on a display as selectable accounts concerning one or more of the transaction cards in accordance with the provided preference settings, if any, and otherwise in accordance with default preference data;

receiving a selection of one of the selectable accounts;

completing the purchase transaction by charging the selected account in an amount determined at the point of sale terminal for the purchase transaction; and

clearing the memory associated with the gateway of the plural account data in advance of a next purchase transaction.

29. A method for conducting a purchase transaction with a customer during a single session at a point of sale terminal (POS), comprising the step of:

providing a gateway that comprises a processor, code executing in the processor, a local memory, a touch-screen display, an interface to communicate information to and from the touch-screen display under control of the code, a network card for communication with the POS, and circuitry to receive data transmitted from transaction cards over a range of radio frequencies (RF),

wherein the code configures the processor and is operative to;

(a) interrogate at least two transaction cards that have been simultaneously placed in proximity to a wireless RF interface that is connected to the POS during the course of the purchase transaction, each of the transaction cards having an antenna for communicating account data therefrom;

(b) concurrently bring the interrogated transaction cards into a ready state for communication in a collision-avoiding manner;

(c) selectively providing preference data from one of the individual transaction cards to the gateway;

(d) load account data associated with at least two of the transaction cards into the local memory;

(e) process account data within the local memory in accordance with a rule base used by the processor and in accordance with the provided preference settings, if any, and otherwise in accordance with default preference data;

(f) arrange a presentation to the customer of selectable accounts on the touch-screen display of the gateway in response to step (e);

(g) receive a selection of one of the selectable accounts;

(h) communicate at least a portion of the account data of the selected account to the POS for use in the purchase transaction; and

(i) clear the local memory of the loaded account data in advance of a next purchase transaction,

wherein the code comprises firmware or software.

30. The method of claim 29, wherein the preference data is stored on a governor card that is among the at least two transaction cards.

31. The method of claim 30, wherein the governor card includes an AFI code that identifies the card as a financial card.

32. The method of claim 30, wherein the governor card has an antenna for communication of the preference data therefrom.

33. The method of claim 29, wherein the preference data comprises at least one preference setting established by the holder of the governor card.

34. The method of claim 33, wherein the preference data established by the holder of the governor card comprises a language preference.

35. The method of claim 33, wherein the preference data established by the holder of the governor card comprises a color scheme.

36. The method of claim 33, wherein the preference data established by the holder of the governor card comprises sight impaired settings.