Remote payment account relational system and method for retail devices
First Claim
1. A method implemented by fuel dispenser control electronics of associating a new transaction account in place of an existing transaction account associated with a customer in a database and used for processing payment transactions at a fuel dispenser, said method comprising steps of:
- (a) receiving, via a first reader located at said fuel dispenser, a customer identifier in electronic form, said customer identifier used to identify said customer in said database;
(b) providing a prompt at said fuel dispenser instructing said customer regarding how to change said existing transaction account in said database;
(c) receiving, via a second reader located at said fuel dispenser, said new transaction account in electronic form; and
(d) outputting said new transaction account from said fuel dispenser in electronic form for association with said customer in said database.
2 Assignments
0 Petitions
Accused Products
Abstract
A retail transactions station capable of identifying a customer, retrieving transaction account information associated with the customer, and charging the customer'"'"'s purchases to the transaction account is operative to receive new transaction account information from the customer at the retail transactions station, verify the transaction account, and associate the new transaction account with the customer for pending and future purchases. In one embodiment, with the retail transactions station identifies the customer via an RFID interrogator at the retail transactions station and a corresponding RFID transponder in the customer'"'"'s possession. New transaction account information is obtained via a magnetic stripe card reader at the retail transactions station. In another embodiment, the retail transactions station comprises a fuel dispenser. In another embodiment, a system comprises a retail transactions station operative to identify a customer and receive transaction account information, a database containing customer identifiers and associated valid transaction accounts, and a controller operative to control the database and to perform financial transaction processing across a network.
50 Citations
20 Claims
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1. A method implemented by fuel dispenser control electronics of associating a new transaction account in place of an existing transaction account associated with a customer in a database and used for processing payment transactions at a fuel dispenser, said method comprising steps of:
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(a) receiving, via a first reader located at said fuel dispenser, a customer identifier in electronic form, said customer identifier used to identify said customer in said database; (b) providing a prompt at said fuel dispenser instructing said customer regarding how to change said existing transaction account in said database; (c) receiving, via a second reader located at said fuel dispenser, said new transaction account in electronic form; and (d) outputting said new transaction account from said fuel dispenser in electronic form for association with said customer in said database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 13, 14, 15, 16, 17, 18, 19)
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12. A fuel dispenser comprising:
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a housing containing fuel handling components; a dispensing hose having a nozzle located at the distal end thereof, said hose being in fluid communication with said fuel handling components; a user interface located at a front of said housing, said user interface including at least one reader and a display device; and an electronic controller configured to; (a) receive, via said at least one reader, a customer identifier in electronic form, said customer identifier being used to identify a customer and an associated existing transaction account in a database; (b) provide a prompt on said display device querying said customer regarding how to change said existing transaction account in said database; (c) receive, via said at least one reader, to receive a new transaction account in electronic form; and
(d) outputting said new transaction account from said fuel dispenser in electronic form for association with said customer in said database.
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20. A method implemented by control electronics of a retail transaction station to associate a new transaction account in place of an existing transaction account associated with a customer in a database and used for processing payment transactions at said retail transaction station, said method comprising steps of:
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(a) interrogating, via an RFID reader at said retail transaction station, an RFID tag carried by said customer to receive therefrom a customer identifier in electronic form, said customer identifier used to identify said customer in said database; (b) if said customer is confirmed to be a known customer with said existing transaction account, providing a visual prompt on a display device of said retail transaction station regarding how to change said existing transaction account in said database; (c) receiving, via a magnetic stripe card reader at said retail transaction station, said new transaction account in electronic form; (d) outputting said new transaction account from said retail transaction station in electronic form for association with said customer in said database; and (e) processing a retail transaction at said retail transaction station paid via said new transaction account.
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Specification