System and method for retail
First Claim
1. A retail unit serving a customer on a purchase, the customer having an electronic wallet for paying for a purchase via its electronic checkbook sums equal to or larger than a predetermined minimal checkbook payment sum, for paying from its electronic purse sums equal to or smaller than the value stored therein, and for paying for replenishing the electronic purse via the electronic checkbook sums equal to or larger than a predetermined minimal purse replenishment sum, the retail unit comprising:
- a point of sale for determining a purchase price; and
a payment unit including an electronic cash drawer, communicating with said point of sale for retrieving said purchase price therefrom and interfacing with said electronic wallet for automatically selecting, according to said purchase price, said value stored in said electronic purse, said minimal checkbook payment sum and said minimal purse replenishment sum, whetherto receive said purchase price via said electronic checkbook, orto receive said purchase price from said electronic purse and deposit it in said electronic cash drawer, orto receive via said electronic checkbook a calculated purse replenishment sum which is at least the larger of said minimal purse replenishment sum and the difference between said purchase price and said value stored in said electronic purse, and to transfer from said electronic cash drawer to said electronic purse the difference between said calculated purse replenishment sum and said purchase price.
2 Assignments
0 Petitions
Accused Products
Abstract
A retail unit facilitating a purchase of a customer having an electronic wallet (9) which includes an electronic checkbook (320) and an electronic purse (310). The retail unit includes a POS (10) which determines the purchase price, and a payment unit (8) for receiving payment from electronic wallet (9). Payment unit (8), upon receipt of an electronic wallet (9) and of a purchase price from POS (10), determines automatically whether to: (a) receive via electronic checkbook (320) a purchase price≧ a predetermined minimal checkbook payment sum; or, (b) receive the purchase price from electronic purse (310); or, (c) first replenish the electronic purse (310) via electronic checkbook (320) with at least the larger of a predetermined minimal purse replenishment sum and the difference between the purchase price and the electronic purse'"'"'s stored value, and then receive the purchase price from electronic purse (310).
290 Citations
6 Claims
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1. A retail unit serving a customer on a purchase, the customer having an electronic wallet for paying for a purchase via its electronic checkbook sums equal to or larger than a predetermined minimal checkbook payment sum, for paying from its electronic purse sums equal to or smaller than the value stored therein, and for paying for replenishing the electronic purse via the electronic checkbook sums equal to or larger than a predetermined minimal purse replenishment sum, the retail unit comprising:
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a point of sale for determining a purchase price; and a payment unit including an electronic cash drawer, communicating with said point of sale for retrieving said purchase price therefrom and interfacing with said electronic wallet for automatically selecting, according to said purchase price, said value stored in said electronic purse, said minimal checkbook payment sum and said minimal purse replenishment sum, whether to receive said purchase price via said electronic checkbook, or to receive said purchase price from said electronic purse and deposit it in said electronic cash drawer, or to receive via said electronic checkbook a calculated purse replenishment sum which is at least the larger of said minimal purse replenishment sum and the difference between said purchase price and said value stored in said electronic purse, and to transfer from said electronic cash drawer to said electronic purse the difference between said calculated purse replenishment sum and said purchase price.
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2. A retail unit serving a customer on a purchase, the customer having an electronic wallet including an electronic cache and an electronic purse, said electronic cache Including a storage device for storing a cache balance and an expiration date, said electronic wallet is operative for paying for a purchase via its electronic cache sums equal to or larger than a predetermined minimal checkbook payment sum, for paying from its electronic purse sums equal to or smaller than the value stored therein, and for paying for replenishing the electronic purse via the electronic cache sums equal to or larger than a predetermined minimal purse replenishment sum, the retail unit comprising:
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a point of sale for determining a purchase price; and a payment unit communicating with said point of sale for retrieving said purchase price therefrom and interfacing with said electronic wallet for automatically selecting, according to said cache balance, said expiration date, said purchase price, said value stored in said electronic purse, said minimal checkbook payment sum and said minimal purse replenishment sum, whether to reject payments attempted on insufficient cache balance or after said expiration date, or to receive said purchase price via said electronic cache and to reduce said cache balance by said purchase price, or to receive said purchase price from said electronic purse, or to receive via said electronic cache a calculated purse replenishment sum which is at least the larger of said minimal purse replenishment sum and the difference between said purchase price and said value stored in said electronic purse, to reduce said cache balance by said calculated purse replenishment sum, and to replenish said electronic purse with the difference between said calculated purse replenishment sum and said purchase price.
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3. A retail unit serving a customer on a purchase, the customer having an electronic wallet for paying for a purchase via its electronic checkbook sums equal to or larger than a predetermined minimal checkbook payment sum, for paying from its electronic purse sums equal to or smaller than the value stored therein, and for paying for replenishing said electronic purse via said electronic checkbook sums equal to or larger than a predetermined minimal purse replenishment sum, the retail unit comprising:
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a point of sale for determining a purchase price; and a payment unit interfacing with said electronic wallet and communicating with said point of sale for retrieving said purchase price therefrom, said payment unit comprising; an electronic checkbook transaction unit for receiving payment via said electronic checkbook; an electronic cash drawer; an electronic purse payment unit for receiving payment from said electronic purse and depositing it in said electronic cash drawer; an electronic purse loading unit for replenishing said electronic purse by transferring a sum from said electronic cash drawer to said electronic purse; and an automatic transaction manager for automatically selecting, according to said purchase price, said value stored in said electronic purse, said minimal checkbook payment sum and said minimal purse replenishment sum, whether to activate said electronic checkbook transaction unit to receive said purchase price via said electronic checkbook, or to activate said electronic purse payment unit to receive said purchase price from said electronic purse and deposit it in said electronic cash drawer;
orto activate said electronic checkbook transaction unit to receive via said electronic checkbook a calculated purse replenishment sum which is at least the larger of said minimal purse replenishment sum and the difference between said purchase price and said value stored in said electronic purse, and to activate said electronic purse loading unit to replenish said electronic purse from said electronic cash drawer with the difference between said calculated purse replenishment sum and said purchase price.
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4. A retail unit serving a customer on a purchase, the customer having an electronic wallet for paying from its electronic purse sums equal to or smaller than the value stored therein, and for paying for replenishing said electronic purse via the electronic checkbook of said electronic wallet sums equal to or larger than a predetermined minimal purse replenishment sum, the retail unit comprising;
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a point of sale for determining a purchase price; and a payment unit interfacing with said electronic wallet and communicating with said point of sale for retrieving said purchase price therefrom, the payment unit comprising; an electronic cash drawer; an electronic purse payment unit for receiving payment from said electronic purse and depositing it in said electronic cash drawer; an electronic purse loading unit for replenishing said electronic purse by transfer from said electronic cash drawer; an electronic checkbook transaction unit for receiving via said electronic checkbook sums for the replenishment of said electronic purse; and an automatic transaction manager for automatically selecting, according to said purchase price, said value stored in said electronic purse and said minimal purse replenishment sum, whether to activate said electronic purse payment unit to receive said purchase price from said electronic purse and deposit it in said electronic cash drawer, or to activate said electronic checkbook transaction unit to receive via said electronic checkbook a calculated purse replenishment sum which is at least the larger of said minimal purse replenishment sum and the difference between said purchase price and said value stored in said electronic purse, and to activate said electronic purse loading unit to transfer from said electronic cash drawer to said electronic purse the difference between said calculated purse replenishment sum and said purchase price.
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5. A retail method for serving a customer addressing a payment unit in order to pay for a purchase, said payment unit including an electronic cash drawer, the customer having an electronic wallet for paying for a purchase via its electronic checkbook sums equal to or larger than a predetermined minimal checkbook payment sum, for paying from its electronic purse sums equal to or smaller than the value stored therein, and for paying for replenishing said electronic purse via said electronic checkbook sums equal to or larger than a predetermined minimal purse replenishment sum, the method comprising:
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determining a purchase price; and automatically selecting, according to said purchase price, said value stored in said electronic purse, said minimal checkbook payment sum and said minimal purse replenishment sum, whether to receive said purchase price via said electronic checkbook, or to receive said purchase price from said electronic purse and deposit it in said electronic cash drawer, or to receive via said electronic checkbook a calculated purse replenishment sum which is at least the larger of said minimal purse replenishment sum and the difference between said purchase price and said value stored in said electronic purse, and to transfer from said electronic cash drawer to said electronic purse the difference between said calculated purse replenishment sum and said purchase price.
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6. A retail method for serving a customer addressing a payment unit in order to pay for a purchase, the customer having an electronic wallet including an electronic cache and an electronic purse, said electronic cache including a storage device for storing a cache balance and an expiration date, said electronic wallet is operative for paying for a purchase via its electronic cache sums equal to or larger than a predetermined minimal checkbook payment sum, for paying from its electronic purse sums equal to or smaller than the value stored therein, and for paying for replenishing the electronic purse via the electronic cache sums equal to or larger than a predetermined minimal purse replenishment sum, the method comprising:
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determining a purchase price; and automatically selecting, according to said purchase price, said value stored in said electronic purse, said minimal checkbook payment sum and said minimal purse replenishment sum, whether to reject payments attempted on insufficient cache balance or after said expiration date, or to receive said purchase price via said electronic cache and to reduce said cache balance by said purchase price, or to receive said purchase price from said electronic purse, or to receive via said electronic cache a calculated purse replenishment sum which is at least the larger of said minimal purse replenishment sum and the difference between said purchase price and said value stored in said electronic purse, to reduce said cache balance by said calculated purse replenishment sum, and to replenish said electronic purse with the difference between said calculated purse replenishment sum and said purchase price.
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Specification