Utility metering system incorporating a transaction authorisation system
First Claim
Patent Images
1. A financial transaction authorization system comprising:
- A. a financial institution which processes credit/charge card charge requests,B. a utility meter provided at a meter location separate and spaced from the financial institution, the utility meter having an associated meter location identifier unique to the meter location, andC. a user interface unit separate and spaced from the financial institution, the user interface unit being adapted to process a submitted credit/charge card charge authorization,wherein the utility meter is arranged;
a. to communicate with the user interface unit,b. to obtain the card charge authorization therefrom, andc. to transmit a credit/charge card charge request to the financial institution based on the card charge authorization and meter location identifier, the card charge request including;
(1) data identifying a credit/charge card account, and(2) data verifying that the credit/charge card corresponding to the credit/charge card account is physically present at the location of the user interface unit,to obtain authorization of the card charge from the financial institution, wherein the financial institution processes the card charge request from the utility meter regardless of whether the card charge request relates to any utility usage measurements made by the utility meter.
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Accused Products
Abstract
A transaction authorization system comprises a user interface unit 30 capable of accepting a transaction authorization and a utility meter 10 provided at a location having an associated location identifier unique to the location, wherein the utility meter 10 is arranged to communicate with the user interface unit 10, to obtain a transaction authorization, and to transmit an authorization request based on the transaction authorization and location identifier to obtain authorization of the transaction.
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Citations
34 Claims
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1. A financial transaction authorization system comprising:
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A. a financial institution which processes credit/charge card charge requests, B. a utility meter provided at a meter location separate and spaced from the financial institution, the utility meter having an associated meter location identifier unique to the meter location, and C. a user interface unit separate and spaced from the financial institution, the user interface unit being adapted to process a submitted credit/charge card charge authorization, wherein the utility meter is arranged; a. to communicate with the user interface unit, b. to obtain the card charge authorization therefrom, and c. to transmit a credit/charge card charge request to the financial institution based on the card charge authorization and meter location identifier, the card charge request including; (1) data identifying a credit/charge card account, and (2) data verifying that the credit/charge card corresponding to the credit/charge card account is physically present at the location of the user interface unit, to obtain authorization of the card charge from the financial institution, wherein the financial institution processes the card charge request from the utility meter regardless of whether the card charge request relates to any utility usage measurements made by the utility meter. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A method of authorizing a card financial transaction comprising the steps of:
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a. providing a user interface unit at a location; b. providing a utility meter at the location, the utility meter having an associated meter location identifier uniquely identifying the location; c. accepting a card charge authorization request via the user interface unit, the transaction authorization request including; (1) data verifying that a credit/charge card is present at the location of the user interface unit, and (2) data identifying the credit/charge card account of the credit/charge card; d. communicating the card charge authorization request from the user interface unit to the utility meter; and e. transmitting a message generated in dependence on the card charge authorization request and meter location identifier from the utility meter to a financial institution to obtain authorization of the card charge, wherein the financial institution processes the message regardless of whether it relates to any utility usage measurements made by the utility meter. - View Dependent Claims (28)
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29. A credit/charge card financial transaction authorization system for card charge transactions where the cardholder is at a location remote from the vendor, the system comprising:
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a. a user interface unit capable of accepting card charge data including; (1) credit/charge card data identifying a credit/charge card to be charged, and (2) data verifying that the credit/charge card is physically present at the user interface unit; and
,b. a utility meter provided at the location of the cardholder, the utility meter being separate from the user interface unit and having an associated meter location identifier uniquely identifying the location of the utility meter, c. a financial institution remote from the user interface unit and utility meter, wherein; (1) the utility meter is arranged to communicate with the user interface unit, to obtain the card charge data, and to transmit card charge request including the card charge data and the meter location identifier to the financial institution; (2) the financial institution is arranged to process the card charge request and, upon successful authorization, charge the credit/charge card as a card present type card charge, regardless of whether the card charge request relates to any utility usage measurements made by the utility meter. - View Dependent Claims (30)
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31. A transaction authorization system including:
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a. a utility meter provided at a meter location, the utility meter having an associated meter location identifier unique to the meter location, b. a user interface unit for accepting an authorization for a funds transfer, the user interface unit; (1) including a card reader device, the card reader device being arranged to read data from a credit/charge card to be charged for the funds transfer, (2) communicating with the utility meter to obtain the location identifier, (3) processing the data read from the credit/charge card in combination with the location identifier to form at least a part of the funds transfer authorization to verify that the credit/charge card is physically present at the location of the utility meter, wherein the funds transfer authorization is unrelated to any utility usage.
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32. A credit/charge card transaction authorization system including:
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a. a utility meter; (1) situated at a meter location, and (2) having an associated meter location identifier which is unique to the meter location; b. a financial institution arranged to process submitted funds transfer requests for a credit/charge card, the submitted funds transfer requests including; (1) card-present funds transfer requests wherein the physical location of the credit/charge card is verified, (2) card-not-present funds transfer requests wherein the physical location of the credit/charge card is not verified; wherein card-not-present funds transfer requests are processed differently than card-present funds transfer requests; c. a user interface unit; (1) configured to read data from the credit/charge card to be charged for the funds transfer; (2) being situated at the meter location, and (3) being connected in communication with the utility meter, wherein one or both of the user interface unit and the utility meter are configured to generate a card-present funds transfer request for submission to the financial institution, the submitted card-present funds transfer request having content encoding; I. the data read from the credit/charge card to be charged for the funds transfer, and II. the meter location identifier, whereby the card-present funds transfer request verifies that the credit/charge card is physically present at the meter location, and wherein the financial institution processes the submitted card-present funds transfer request regardless of whether the request relates to any utility usage measurements made by the utility meter.
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33. A transaction payment method including the steps of:
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a. receiving a sales transaction, wherein the sales transaction is unrelated to any utility usage; b. communicating data on the sales transaction to a user interface unit, the user interface unit; (1) being at a meter location, (2) being arranged to communicate with a utility meter at the meter location, the utility meter having a meter location identifier uniquely identifying the meter location, and (3) having a card reader; c. receiving, at the card reader, a credit/debit card to be charged for the sales transaction; and d. communicating a request to charge the credit/debit card for the transaction, the request including data regarding; (1) the credit/debit card, and (2) the meter location identifier, wherein the request is independent of any utility usage data generated by the utility meter. - View Dependent Claims (34)
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Specification