SECURE SYSTEM AND METHOD TO PAY FOR A SERVICE PROVIDED AT A RESERVATION

• US 20100057503A1
• Filed: 11/11/2009
• Published: 03/04/2010
• Est. Priority Date: 09/29/2005
• Status: Active Grant

• Current Assignee: CardFree, Inc.
• Original Assignee: The Magellan Network, LLC
• Inventors: Katz, Jeffrey Bart
• Granted Patent: US 9,004,355 B2
• Time in Patent Office: Days
• US Class Current: 705/5
• CPC Class Codes: G06Q 10/02 Reservations, e.g. for tickets, services or events
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00

Abstract

A method and system for allowing the setting of reservations and the pre-authorization of credit to purchase a desired service for which a reservation is made. A customer accesses a reservation system that is integrated with a credit authorization system. The customer may make a reservation and substantially simultaneously become pre-authorized to pay for services to be provided at the reservation by one of any number of credit providers. Pre-authorized credit and reservation information is then supplied to the service provider in advance of services being provided, expediting the overall transaction time and allowing for a secure and cardless transaction procedure. The reservation and preauthorization information are typically stored upon the reservation system and then passed to the point-of-sale systems, but other types of input/output storage devices could be used to perform this function.

Claims

1. A payment method comprising:

identifying a reservation and a payment on file;

creating a ticket at a point of sale device, the ticket correlatable to a profile associated with a customer with the payment on file; and

receiving an indication of a checkout method, the checkout methods including one or more of;

express checkout,

self check out, and

alternative checkout.

2. The method of claim 1, further comprising detecting a presence of one or more devices and receiving from a detected device an identification of the reservation at the point of sale device.

3. The method of claim 1, further comprising populating the ticket with information related to one or more of goods and services purchased.

4. The method of claim 1, further comprising creating the reservation and associating the payment on file with the reservation.

5. The method of claim 1, further comprising providing information to the customer as to how to alert a merchant about the payment on file.

6. The method of claim 1, wherein the payment of file is represented by a unique payment on file code.

7. The method of claim 1, wherein the express checkout further includes the point of sale confirming the ticket is complete and securing customer authorization for the ticket.

8. The method of claim 1, wherein the self check out further includes a mobile device communicating with the point of sale to exchange ticket information and authorization information.

9. One or more means for performing the steps of claim 1.

10. A computer readable storage media having instructions stored thereon that, when executed, cause one or more computing devices to perform the steps of claim 1.

11. A payment system comprising:

a reservation system that identifies a reservation and a payment on file stored in a database; and

a point of sale device that creates a ticket, the ticket correlatable to a profile associated with a customer with the payment on file, wherein checkout methods to complete a sale include one or more of;

express checkout,

self check out, and

alternative checkout.

12. The system of claim 11, further comprising a vendor system that detects a presence of one or more devices and receives, from a detected device, an identification of the reservation.

13. The system of claim 11, wherein the point of sale device further populates the ticket with information related to one or more of goods and services purchased.

14. The system of claim 11, wherein a reservation is created in the reservation system and associated with the payment on file.

15. The system of claim 11, wherein the reservation system further provides information to the customer as to how to alert a merchant about the payment on file.

16. The system of claim 11, wherein the payment of file is represented by a unique payment on file code.

17. The system of claim 11, wherein the express checkout further includes the point of sale confirming the ticket is complete and securing customer authorization for the ticket.

18. The system of claim 11, wherein the self check out further includes a mobile device communicating with the point of sale to exchange ticket information and authorization information.

19. The system of claim 11, further including a credit issuing system.

20. The system of claim 11, further comprising a credit acquisition system.