Retail point-of-transaction systems, program products, and related methods to provide a customized set of identification data to facilitate a retail transaction using electronic coupons

• US 8,596,530 B2
• Filed: 07/23/2012
• Issued: 12/03/2013
• Est. Priority Date: 05/29/1998
• Status: Expired due to Fees

• Current Assignee: Stripe, Inc.
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Gangi, Frank
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US13/556,010
• Publication Number:
  US 20120330763A1
• Time in Patent Office: 498 Days
• Field of Search: 235/380, 235/492, 235/381, 235/383, 235/379, 705 70- 75
• US Class Current: 235/381
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• 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 20/208 Input by product or record sensing, e.g. weighing or scanner processing
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• 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 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/08 : by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0886 : the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/0893 : the card reader reading the card in a contactless manner
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/12 : Card verification

Abstract

Retail point-of-transaction systems, program products, and related computer implemented methods to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction which includes the use of one or more electronic coupons is provided. The retail point-of-sale system can include a computer having memory and configured to facilitate one or more transactions each of which include the use of one or more electronic coupons through a retail point-of-transaction terminal positioned remote from, and adapted to be in communication with, the computer. The computer can also include a set of instructions that when executed by the computer cause the computer to redeem one or more electronic coupons for one or more retail transactions responsive to a customized set of identification data provided by the computer responsive to a data profile derived from a set of personal data of at least one of a plurality of remotely positioned users.

Claims

1. A computer-implemented method for processing transactions, comprising:

providing, by one or more computing devices and to a user through a communications network, a graphical user interface wherein a user can;

input personal data,

select a merchant, and

provide payment information,

converting, by the one or more computing devices, information received from the merchant into a bar code display format that is electronically readable by a point of transaction terminal at a merchant location;

providing, by the one or more computing devices and to the user through the communications network, details of a coupon redemption transaction, wherein the details of the coupon redemption transaction comprise information relating to a coupon in the barcode format that is electronically readable by the point of transaction terminal at the merchant location;

receiving, by the one or more computing devices and from the merchant, an indication that the user desires to engage in the coupon redemption transaction;

comparing, by the one or more computing devices, the indication that the user desires to engage in the coupon redemption transaction received from the merchant to the personal data inputted by the user to determine whether the coupon redemption transaction is authorized; and

providing, by the one or more computing devices and to the merchant, an indication that the coupon redemption transaction is authorized in response to the comparing step indicating an authorized transaction.

2. The method of claim 1 wherein the personal data includes user identification data and user payment data.

3. The method of claim 1 further comprising providing to the merchant data derived from the user'"'"'s previous transactions.

4. The method of claim 1, further comprising logging the geographical location of the user in response to receiving from the merchant the indication that the user desires to engage in the transaction.

5. The method of claim 1, further comprising logging a timestamp of an event in response to receiving from the merchant the indication that the user desires to engage in the transaction.

6. A computer-implemented method for processing transactions, comprising:

providing, by one or more computing devices through a communication network comprising a wireless link to a user, a graphical user interface, wherein the user can;

input personal data, the personal data comprising a personal ID,

select a merchant, wherein the merchant is a retail merchant or a retail service provider, and

provide payment information, the payment information comprising credit or debit card data,

receiving, by the one or more computing devices through the communications network, data inputted by the user and storing said data in a computer database;

converting, by the one or more computing devices, information received from the merchant into a bar code display format that is electronically readable by a point of transaction terminal at a merchant location;

providing, by the one or more computing devices and to the user through the communications network, details of a coupon redemption transaction, wherein the details of the coupon redemption transaction comprise information relating to a coupon in the barcode format that is electronically readable by the point of transaction terminal at the merchant location;

receiving, by the one or more computing devices and from the merchant, an indication that the user desires to engage in the coupon redemption transaction;

comparing, by the one or more computing devices using a server coupled to the communications network, the indication that the user desires to engage in the coupon redemption transaction received from the merchant to the personal data inputted by the user to determine whether the coupon redemption transaction is authorized; and

providing, by the one or more computing devices and to the merchant, an indication that the coupon redemption transaction is authorized in response to the comparing step indicating an authorized transaction.

7. The method of claim 6 wherein the server and the database are located at a location remote from the merchant.

8. The method of claim 6 wherein the step of comparing the indication received from the merchant to the personal data input by the user includes verifying the identity of the user.

9. The method of claim 6 further including logging the geographical location of a user in response to receiving from the merchant an indication that the user desires to engage in the transaction.

10. The method of claim 6 further including logging a timestamp of an event in response to receiving from the merchant an indication that the user desires to engage in the transaction.

11. A computer-implemented method for processing transactions, comprising:

providing, by one or more computing devices through a communication network comprising a wireless link to a user, a graphical user interface, wherein the user can;

input personal data, the personal data comprising a personal ID,

select a merchant, wherein the merchant is a retail merchant or a retail service provider, and

provide payment information, the payment information comprising credit or debit card data,

receiving, by the one or more computing devices and through the communications network, data inputted by the user and storing said data in a computer database;

providing, by the one or more computing devices and to the user through the communications network, data relating to the merchant, the data comprising details of a transaction;

receiving, by the one or more computing devices and from the merchant, an indication that the user desires to engage in the transaction;

logging, by the one or more computing devices, a geographical location of the user in response to receiving from the merchant the indication that the user desires to engage in the transaction

comparing, by the one or more computing devices using a server coupled to the communications network, the indication that the user desires to engage in the transaction received from the merchant to the personal data inputted by the user to determine whether the transaction is authorized; and

providing, by the one or more computing devices and to the merchant, an indication that the transaction is authorized in response to the comparing step indicating an authorized transaction.

12. The method of claim 11, wherein the server and the database are located at a location remote from the merchant.

13. The method of claim 11, wherein the step of comparing the indication received from the merchant to the personal data input by the user includes verifying the identity of the user.

14. The method of claim 11, further comprising providing to the merchant data derived from the user'"'"'s previous transactions.

15. The method of claim 11, further comprising logging a timestamp of an event in response to receiving from the merchant the indication that the user desires to engage in the transaction.

16. A computer-implemented method for processing transactions, comprising:

providing, by one or more computing devices through a communication network comprising a wireless link to a user, a graphical user interface, wherein the user can;

input personal data, the personal data comprising a personal ID,

select a merchant, wherein the merchant is a retail merchant or a retail service provider, and

provide payment information, the payment information comprising credit or debit card data,

receiving, by the one or more computing devices and through the communications network, data inputted by the user and storing said data in a computer database;

providing, by the one or more computing devices and to the user through the communications network, data relating to the merchant, the data comprising details of a transaction;

receiving, by the one or more computing devices and from the merchant, an indication that the user desires to engage in the transaction;

logging, by the one or more computing devices, a timestamp of an event in response to receiving from the merchant the indication that the user desires to engage in the transaction;

comparing, by the one or more computing devices using a server coupled to the communications network, the indication that the user desires to engage in the transaction received from the merchant to the personal data inputted by the user to determine whether the transaction is authorized; and

providing, by the one or more computing devices and to the merchant, an indication that the transaction is authorized in response to the comparing step indicating an authorized transaction.

17. The method of claim 16, wherein the server and the database are located at a location remote from the merchant.

18. The method of claim 16, wherein the step of comparing the indication received from the merchant to the personal data input by the user includes verifying the identity of the user.

19. The method of claim 16, further comprising providing to the merchant data derived from the user'"'"'s previous transactions.

20. The method of claim 16, further comprising logging the geographical location of the user in response to receiving from the merchant the indication that the user desires to engage in the transaction.