Transaction apparatus, systems and methods
First Claim
1. A transaction apparatus comprising:
- a token device interface arrangement;
a customer input; and
a program component configured to control communication with one or more transaction servers, including a redemption transaction server, for enacting different kinds of transactions,wherein the customer input is operable to receive first and second kinds of information;
the first kind of information being authentication information for enacting a first kind of payment transaction using a token device that uses authentication information stored thereon to authenticate a said first kind of payment transaction; and
the second kind of information being for use in enacting a second kind of payment transaction without using a token device, the second kind of payment transaction comprising a redemption transaction relating to a one or more goods and/or services,wherein the apparatus is configured to;
determine whether the first kind of information matches the stored authentication information and, in the case that it does, authenticate the token device, and thereby enact a respective first kind of transaction by communicating with a said transaction server;
use the second kind of information to enact a said second kind of payment transaction by sending said second kind of authentication information to the redemption transaction server, and thereby obtaining information from said redemption transaction server without using a token device, the information obtained from the redemption transaction server identifying one or more specific goods and/or services in relation to which a transaction may be enacted for the customer; and
use the information obtained from the redemption transaction server to identify said one or more goods and/or services in relation to which a redemption transaction may be enacted for the customer, and a redemption value for redemption in relation to the identified one or more goods and/or services.
2 Assignments
0 Petitions
Accused Products
Abstract
Aspects and embodiments of the present invention relate to alternative kinds of transactions, which do not involve payment using only cash or a token device such as a smart card or chip and PIN card. In some embodiments, transactions involve a customer providing token-less transaction authentication information using customer interface means (150) that is adapted to receive, from a customer, in a first mode of operation, PIN or other token device authentication information, for use in a token device transaction, and token-less transaction authentication information, when operating in another mode of operation. In some embodiments, the customer interface means may be a specially-adapted chip and PIN card reader apparatus. Accordingly, such a customer input means facilitates manual input by a customer of voucher, coupon, accrued loyalty points, Air Miles, ticket or pass authentication information, without the need for a retailer to install new equipment or IT infrastructure.
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Citations
32 Claims
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1. A transaction apparatus comprising:
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a token device interface arrangement; a customer input; and a program component configured to control communication with one or more transaction servers, including a redemption transaction server, for enacting different kinds of transactions, wherein the customer input is operable to receive first and second kinds of information; the first kind of information being authentication information for enacting a first kind of payment transaction using a token device that uses authentication information stored thereon to authenticate a said first kind of payment transaction; and the second kind of information being for use in enacting a second kind of payment transaction without using a token device, the second kind of payment transaction comprising a redemption transaction relating to a one or more goods and/or services, wherein the apparatus is configured to; determine whether the first kind of information matches the stored authentication information and, in the case that it does, authenticate the token device, and thereby enact a respective first kind of transaction by communicating with a said transaction server; use the second kind of information to enact a said second kind of payment transaction by sending said second kind of authentication information to the redemption transaction server, and thereby obtaining information from said redemption transaction server without using a token device, the information obtained from the redemption transaction server identifying one or more specific goods and/or services in relation to which a transaction may be enacted for the customer; and use the information obtained from the redemption transaction server to identify said one or more goods and/or services in relation to which a redemption transaction may be enacted for the customer, and a redemption value for redemption in relation to the identified one or more goods and/or services. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A transaction system, comprising:
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a redemption transaction server configured to store information relating to token-less transactions, a transaction apparatus comprising a program component configured to control communication with the transaction server, the transaction apparatus being configured to receive first and second kinds of information via a customer input, the first kind of information being authentication information for enacting a first kind of payment transaction using a token device that uses authentication information stored thereon to authenticate the first kind of payment transaction and the second kind of information being for enacting a second kind of payment transaction without using a token device, the second kind of payment transaction comprising a redemption transaction relating to one or more goods and/or services, wherein the transaction apparatus is configured to; determine whether the first kind of information matches the stored authentication information and, in the case that it does, authenticate the token device, and thereby enact a respective first kind of transaction by communicating with a transaction server; and use the second kind of information to enact a said second kind of payment transaction by sending a said second kind of authentication information to the transaction server, and thereby obtain information from said redemption transaction server without using a token device, the information obtained from the redemption transaction server identifying one or more specific goods and/or services in relation to which a transaction may be enacted for the customer; use the information obtained from the redemption transaction server to identify said one or more goods and/or services in relation to which a redemption transaction may be enacted for the customer, and a redemption value for redemption in relation to the identified one or more goods and/or services. - View Dependent Claims (24, 25, 26)
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27. A method of transacting payment, the method comprising:
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receiving a token device storing authentication information; receiving, via a customer input, a first kind of information, the first kind of information comprising authentication information, comparing the first kind of information with the stored authentication information; determining that the first kind of information corresponds to the stored authentication information, thereby authenticating the token device; enacting a first kind of payment transaction in response to said authentication by communicating with a transaction server; receiving, via the customer input, a second kind of information for enacting a second kind of payment transaction involving transmission of the second kind of information to a redemption transaction server, the second kind of information comprising an identifier associated with a customer and the second kind of payment transaction comprising a redemption transaction relating to one or more goods and/or services; sending the received second kind of information to the redemption transaction server, so as to obtain information from the redemption transaction server, the information obtained from the redemption transaction server identifying one or more specific goods and/or services in relation to which a transaction may be enacted for the customer; using the information obtained from the server to identify said one or more goods and/or services in relation to which a redemption transaction may be enacted for the customer, and indicating a redemption value for redemption in relation to the identified one or more goods and/or services, thereby enacting the second kind of payment transaction without using a token device. - View Dependent Claims (28)
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29. A non-transitory computer-readable storage medium having computer-readable instructions stored thereon, the computer-readable instructions when executed by a transaction apparatus causing the transaction apparatus to perform a token-less payment transaction method, the transaction apparatus comprising:
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a token device interface arrangement; and a customer input operable to receive a first kind of information from a customer, the first kind of information comprising authentication information for enacting a first kind of payment transaction using a token device that uses authentication information stored thereon to authenticate a said first kind of payment transaction, the transaction apparatus being configured to determine whether the first kind of information matches the stored authentication information and, in the case that it does, authenticate the token device, and thereby enact a respective first kind of transaction, wherein the token-less payment transaction method comprises; receiving, via the customer input, a second kind of information, the second kind of information being for enacting a second kind of payment transaction comprising a redemption transaction relating to one or more goods and/or services; sending the received second kind of information to a redemption transaction server, so as to obtain information from the redemption transaction server, the information obtained from the redemption transaction server identifying one or more specific goods and/or services in relation to which a transaction may be enacted for the customer; using the information obtained from the redemption transaction server to identify said one or more goods and/or services in relation to which a redemption transaction may be enacted for the customer, and a redemption value for redemption in relation to the identified one or more goods and services, thereby enacting a said second kind of payment transaction without using a token device. - View Dependent Claims (30, 31, 32)
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Specification