System and method for downloading an electronic product to a pin-pad terminal after validating an electronic shopping basket entry

• US 9,152,957 B2
• Filed: 02/27/2015
• Issued: 10/06/2015
• Est. Priority Date: 03/23/2012
• Status: Active Grant

• Current Assignee: Toronto-Dominion Bank
• Original Assignee: Toronto-Dominion Bank
• Inventors: Gleeson, Bryan Michael, Hayhow, Robert, Dunstan, John Henry
• Primary Examiner(s): Nigh, James D
• Application Number:
  US14/634,492
• Publication Number:
  US 20150170126A1
• Time in Patent Office: 221 Days
• Field of Search: 705/50, 705/71, 705/64, 705/14.38, 705/14.5, 705/14.65, 705/26.7, 705/26.8
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• 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 20/3567 Software being in the reader
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0631 Item recommendations
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G07F 7/1033 Details of the PIN pad
• CPC Class Codes: G07G 1/0009 Details of the software in the checkout register, electronic cash register [ECR] or point of sale terminal [POS]

Abstract

A method of downloading an electronic product to a pin-pad terminal involves the terminal transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the gateway a transaction proposal response generated by the gateway in response to the transaction proposal. The transaction proposal response includes a transaction pointer associated with the electronic product. An electronic cash register receives an indication of a proposed payment amount for the electronic product. The pin-pad terminal receives from the electronic cash register confirmation of entry of the electronic product in an electronic shopping basket maintained by the electronic cash register. The terminal validates the confirmation of entry of the electronic product from a comparison with the transaction proposal response, and transmits the transaction pointer to the network device via the gateway. The terminal receives the electronic product from the network device via the gateway.

Claims

1. A method of downloading an electronic product to a pin-pad terminal, the method comprising:

the pin-pad terminal transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal, the transaction proposal response including a transaction pointer associated with the electronic product;

an electronic cash register receiving an indication of a proposed payment amount for the electronic product;

the pin-pad terminal receiving from the electronic cash register confirmation of entry of the electronic product in an electronic shopping basket maintained by the electronic cash register;

the pin-pad terminal validating the confirmation of entry of the electronic product from a comparison with the transaction proposal response, and transmitting the transaction pointer to the network device via the network gateway; and

the pin-pad terminal receiving the electronic product from the network device via the network gateway.

2. The method according to claim 1, wherein the receiving an indication of a proposed payment amount comprises the pin-pad terminal generating from the transaction proposal response a payment image comprising a product code, and the electronic cash register extracting the proposed payment amount indication from the product code.

3. The method according to claim 2, wherein the receiving confirmation of entry of the electronic product comprises the pin-pad terminal receiving the extracted proposed payment amount indication after the electronic cash register receives confirmation of payment in an amount at least equal to the proposed payment amount.

4. The method according to claim 2, wherein the receiving confirmation of entry of the electronic product comprises the pin-pad terminal receiving the extracted proposed payment amount indication before the electronic cash register receives confirmation of payment in an amount at least equal to the proposed payment amount.

5. The method according to claim 1, wherein the transaction proposal response includes an indication of a required payment amount, the confirmation of entry of the electronic product includes the proposed payment amount indication, and the validating the confirmation of entry of the electronic product comprises the pin-pad terminal comparing the required payment amount indication with the proposed payment amount indication.

6. The method according to claim 1, wherein the transaction proposal response includes an indication of a required product type, the confirmation of entry of the electronic product includes the proposed payment amount indication, and the validating the confirmation of entry of the electronic product comprises the pin-pad terminal comparing the required product type indication with the proposed payment amount indication.

7. The method according to claim 6, wherein the transaction proposal response further includes an indication of a required payment amount, the confirmation of entry of the electronic product includes the proposed payment amount indication, the receiving a transaction proposal response comprises the pin-pad terminal saving the transaction proposal response in a memory of the pin-pad terminal, and the validating the confirmation of entry of the electronic product comprises the pin-pad terminal purging the transaction proposal response from the memory after a successful comparison of the required payment amount and the required product type with the proposed payment amount indication.

8. The method according to claim 1, wherein the transmitting the transaction pointer to the network device comprises the pin-pad terminal transmitting the transaction pointer before receiving from the electronic cash register confirmation of payment for any items entered in the electronic shopping basket.

9. The method according to claim 1, wherein the transmitting the transaction pointer to the network device comprises the pin-pad terminal transmitting the transaction pointer after receiving from the electronic cash register confirmation of payment for all items entered in the electronic shopping basket.

10. The method according to claim 1, wherein the pin-pad terminal receiving the electronic product comprises the pin-pad terminal receiving the electronic product after authenticating to the network gateway.

11. The method according to claim 10, wherein the transaction proposal includes at least one terminal credential associated with the pin-pad terminal, and the authenticating to the network gateway comprises the pin-pad terminal authenticating to the network gateway with the transaction pointer and the least one terminal credential.

12. The method according to claim 11, wherein the at least one terminal credential is uniquely associated with the pin-pad terminal.

13. The method according to claim 1, wherein the pin-pad terminal receiving the electronic product comprises the pin-pad terminal receiving the electronic product after authenticating to the network device.

14. The method according to claim 13, wherein the transaction proposal includes at least one terminal credential associated with the pin-pad terminal and an administrator credential associated with an administrator of the pin-pad terminal, and the authenticating to the network device comprises the pin-pad terminal authenticating to the network device with the least one terminal credential and the administrator credential.

15. The method according to claim 1, wherein the transaction proposal is not derivable from the transaction pointer.

16. A pin-pad terminal, comprising:

a cash register interface configured to interface the pin-pad terminal with an electronic cash register;

an electronic shopping basket database; and

a transaction processor in communication with the cash register interface and the electronic shopping basket database and being configured to (i) transmit to a network gateway a transaction proposal for an electronic product from a network device, and receive from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal, the transaction proposal response including a transaction pointer associated with the electronic product;

(ii) receive from an electronic cash register coupled to the pin-pad terminal confirmation of entry of the electronic product in the electronic shopping basket;

(iii) validate the confirmation of entry of the electronic product from a comparison with the transaction proposal response, and transmit the transaction pointer to the network device via the network gateway; and

(iv) receive the electronic product from the network device via the network gateway.

17. The pin-pad terminal according to claim 16, wherein the transaction processor is configured to generate from the transaction proposal response a payment image comprising a product code.

18. The pin-pad terminal according to claim 16, wherein the transaction proposal response includes an indication of a required payment amount, the confirmation of entry of the electronic product includes an indication of a proposed payment amount for the electronic product, and the transaction processor is configured to validate the confirmation of entry of the electronic product by comparing the required payment amount indication with the proposed payment amount indication.

19. The pin-pad terminal according to claim 16, wherein the transaction proposal response includes an indication of a required product type, the confirmation of entry of the electronic product includes an indication of a proposed payment amount for the electronic product, and the transaction processor is configured to validate the confirmation of entry of the electronic product by comparing the required product type indication with the proposed payment amount indication.

20. The pin-pad terminal according to claim 19, wherein the transaction proposal response further includes an indication of a required payment amount, the confirmation of entry of the electronic product includes the proposed payment amount indication, and the transaction processor is configured to save the transaction proposal response in a memory of the pin-pad terminal, and to purge the transaction proposal response from the memory after a successful comparison of the required payment amount and the required product type with the proposed payment amount indication.

21. The pin-pad terminal according to claim 16, wherein the transaction processor is configured to transmit the transaction pointer before receiving from the electronic cash register confirmation of payment for any items entered in the electronic shopping basket.

22. The pin-pad terminal according to claim 16, wherein the transaction processor is configured to transmit the transaction pointer after receiving from the electronic cash register confirmation of payment for all items entered in the electronic shopping basket.

23. The pin-pad terminal according to claim 16, wherein the transaction proposal includes at least one terminal credential associated with the pin-pad terminal, and the transaction processor is configured to authenticate to the network gateway with the transaction pointer and the least one terminal credential.

24. The pin-pad terminal according to claim 23, wherein the at least one terminal credential is uniquely associated with the pin-pad terminal.

25. The pin-pad terminal according to claim 16, wherein the transaction proposal includes at least one terminal credential associated with the pin-pad terminal and an administrator credential associated with an administrator of the pin-pad terminal, and the transaction processor is configured to authenticate to the network device with the least one terminal credential and the administrator credential.

26. A computer-readable medium comprising non-transient computer processing instructions stored thereon for execution by a pin-pad terminal, the computer processing instructions, when executed by the pin-pad terminal, causing the pin-pad terminal to perform a method of downloading an electronic product to the pin-pad terminal, the method comprising:

transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal, the transaction proposal response including a transaction pointer associated with the electronic product;

receiving from the electronic cash register confirmation of entry of the electronic product in the electronic shopping basket after the electronic cash register receives an indication of a proposed payment amount for the electronic product;

validating the confirmation of entry of the electronic product from a comparison with the transaction proposal response, and transmitting the transaction pointer to the network device via the network gateway; and

receiving the electronic product from the network device via the network gateway.

27. The computer-readable medium according to claim 26, wherein the receiving an indication of a proposed payment amount comprises the pin-pad terminal generating from the transaction proposal response a payment image comprising a product code, the proposed payment amount indication being recoverable from the product code.

28. The computer-readable medium according to claim 27, wherein the receiving confirmation of entry of the electronic product comprises receiving the extracted proposed payment amount indication after the electronic cash register receives confirmation of payment in an amount at least equal to the proposed payment amount.

29. The computer-readable medium according to claim 27, wherein the receiving confirmation of entry of the electronic product comprises receiving the extracted proposed payment amount indication before the electronic cash register receives confirmation of payment in an amount at least equal to the proposed payment amount.

30. The computer-readable medium according to claim 26, wherein the transaction proposal response includes an indication of a required payment amount, the confirmation of entry of the electronic product includes the proposed payment amount indication, and the validating the confirmation of entry of the electronic product comprises comparing the required payment amount indication with the proposed payment amount indication.