Cellular telephone-based transaction processing

• US 6,535,726 B1
• Filed: 01/12/2000
• Issued: 03/18/2003
• Est. Priority Date: 01/12/2000
• Status: Expired due to Term

• Current Assignee: Gilbarco Incorporated (Vontier Corp.)
• Original Assignee: Gilbarco Incorporated (Vontier Corp.)
• Inventors: Johnson, William S.
• Primary Examiner(s): Le, Thanh Cong
• Assistant Examiner(s): TRINH, TAN H
• Application Number:
  US09/481,790
• Time in Patent Office: 1,161 Days
• Field of Search: 455/405, 455/406, 455/407, 455/408, 455/464, 455/90, 455/414, 455/422, 235/384, 235/381, 79/7.R, 340/870, 364/401, 379/58, 380/24, 705/14, 705/70, 705/21, 705/26
• US Class Current: 455/406
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G07F 13/025 wherein the volume is determined during delivery

Abstract

A retail transaction system provides enhanced customer convenience and increased transaction security by sending transaction information to a cellular network provider via a customer'"'"'s digital cellular phone. For example, a fuel dispenser is equipped with a communications link allowing direct communications to a customer'"'"'s cellular phone. When a customer desires to conduct a transaction using the fuel dispenser, the fuel dispenser transmits select information to the customer'"'"'s cellular telephone using this communications link. A telephone number is included in the select information. When the customer presses send, or otherwise causes their telephone to dial the number transferred from the fuel dispenser, the select information along with any additional customer information is sent to the cellular network. This information is used by the network to authorize a purchase transaction for the customer, such authorization information returned to the fueling station at which the fuel dispenser is located via a cellular link. For enhanced security, the customer may be required to input their PIN in order to complete the transaction. Notably, the PIN and the remainder of the transaction information sent from the customer phone to the cellular network is intrinsically secure due to the digital encryption employed by the digital cellular protocol. Optionally, the system may be configured to cause the customer'"'"'s cellular phone to automatically dial the number transferred by the fuel dispenser. This capability may be enabled at the customer'"'"'s option. The system may be extended to other retail systems including in-store point-of-sale systems (POS).

Claims

1. A fuel dispensing system comprising:

a plurality of fuel dispensers, each of which is capable of conducting a fueling transaction with a customer having a cellular telephone;

a point-of-sale system for selectively enabling one or more of said plurality of fuel dispensers to conduct said fueling transaction and for determining a transaction cost associated with said fueling transaction;

each of said plurality of fuel dispensers adapted to transmit site information to the customer'"'"'s cellular telephone, with the cellular telephone adapted to transmit the site information and additional customer information to an authorization network; and

said point-of-sale system adapted to receive authorization information from the authorization network and to selectively enable said plurality of fuel dispensers based on the authorization information.

2. The fuel dispensing system of claim 1 wherein said point-of-sale system is further adapted to transmit said transaction cost back to the authorization network.

3. The fuel dispensing system of claim 1 wherein said fuel dispenser includes a local communications interface for transmitting the site information to the customer'"'"'s cellular telephone via wireless signaling means.

4. The fuel dispensing system of claim 1 wherein the site information includes an outbound telephone number and the cellular telephone uses said outbound telephone number to contact the authorization network.

5. The fuel dispensing system of claim 4 wherein the outbound telephone number serves to identify said fuel dispensing system to the authorization network.

6. The fuel dispensing system of claim 1 wherein the site information includes site identification information and the authorizing network contacts said point-of-sale system based on said site identification information.

7. The fuel dispensing system of claim 1 wherein the site information includes fuel dispenser identification information and the authorization network returns the fuel dispenser identification information to said point-of-sale system as part of the authorization information, thereby allowing said point-of-sale system to selectively enable a particular one of said plurality of fuel dispensers.

8. The fuel dispensing system of claim 1 wherein the authorizing network is a supporting cellular network associated with the customer'"'"'s cellular telephone.

9. The fuel dispensing system of claim 8 wherein said point-of-sale system receives the authorization information from the supporting cellular network via a cellular communications interface operatively associated with said point-of-sale system.

10. The fuel dispensing system of claim 8 wherein said point-of-sale system is further adapted to transmit the transaction cost back to the supporting cellular network via said cellular communications interface.

11. The fuel dispensing system of claim 1 wherein the customer'"'"'s cellular telephone uses a secure digital communication protocol and the authorization network requires the customer to enter a PIN into their cellular telephone to verify the customer'"'"'s identity.

12. The fuel dispensing system of claim 1 wherein each of said plurality of fuel dispensers is further adapted to accept an alternate payment means for conducting a fueling transaction with a customer lacking a cellular telephone.

13. A method of using a customer'"'"'s cellular telephone to selectively conduct a fueling transaction at one of a plurality of fuel dispensers, comprising the steps of:

transmitting site information from a local communications interface associated with said one of said plurality of fuel dispensers to the customer'"'"'s cellular telephone;

transmitting site information plus additional customer information from the cellular telephone to an authorization network;

determining authorization information at the authorization based on the additional customer information; and

receiving the authorization information from the authorization network at a point-of-sale system operatively associated with said plurality of fuel dispensers;

said point-of-sale system adapted to selectively enable said one of said plurality of fuel dispensers based on the authorization information, thereby permitting the customer to conduct a fueling transaction.

14. The method of claim 13 wherein the site information identifies said point-of-sale system and the authorization network contacts said point-of-sale system for the purpose of sending the authorization information based on the site information.

15. The method of claim 13 wherein the site information identifies said point-of-sale system and a particular one of said plurality of fuel dispensers.

16. The method of claim 15 wherein the authorization information received from the authorization network includes the site information, thereby allowing said point-of-sale system to selectively enable the particular one of said plurality of fuel dispensers.

17. The method of claim 13 wherein said point-of-sale system operatively associated with said one of said plurality of fuel dispensers is further adapted to determine a transaction cost associated with the fueling transaction and to transmit the transaction cost back to the authorization network for charging against an account associated with the additional customer information.

18. The method of claim 17 where the account associated with the additional customer information is the cellular telephone account associated with the customer'"'"'s cellular telephone.

19. The method of claim 17 wherein said point-of-sale system transmits the transaction cost back to the authorization network via a cellular communications interface operatively associated with said point-of-sale system.

20. The method of claim 13 wherein the authorization information is received from the authorization network via a cellular communications interface operatively associated with said point-of-sale system.

21. A fuel dispensing system comprising:

a fuel dispenser for selectively conducting a fueling transaction with a customer;

a first communications interface operatively associated with said fuel dispenser adapted to transmit site information to the customer'"'"'s cellular telephone, with the cellular telephone adapted to transmit the site information and additional customer information to an authorization network and

a controller operatively associated with said fuel dispenser for selectively enabling said fuel dispenser to conduct the fueling transaction with the customer.

22. The fuel dispensing system of claim 21 wherein said controller operatively associated with said fuel dispenser is a separate site controller.

23. The fuel dispensing system of claim 22 further comprising a second communications interface operatively associated with said site controller and further wherein said site controller is adapted to selectively enable said fuel dispenser to conduct the fueling transaction with the customer based on authorization information received via said second communications interface from the authorization network.

24. The fuel dispensing system of claim 21 wherein said controller is a dispenser controller and is integral to said fuel dispenser.

25. The fuel dispensing system of claim 24 further comprising a second communications interface operatively associated with said dispenser controller and further wherein said dispenser controller is adapted to selectively enable said fuel dispenser to conduct the fueling transaction with the customer based on authorization information received via said second communications interface from the authorization network.

26. The fuel dispensing system of claim 21 wherein said controller is adapted to selectively enable said fuel dispenser to conduct the fueling transaction with the customer based on authorization information returned from the authorizing network to the customer'"'"'s cellular telephone and then from the customer'"'"'s cellular telephone to the fuel dispenser through said first communications interface.

27. A method of using a customer'"'"'s cellular telephone to selectively conduct a fueling transaction at one of a plurality of fuel dispensers, comprising the steps of:

transmitting site information from a local communications interface associated with said one of said plurality of fuel dispensers to the customer'"'"'s cellular telephone;

transmitting site information plus additional customer information from the cellular telephone to an authorization network;

determining authorization information at the authorization network based on the additional customer information;

receiving the authorization information from the authorization network; and

enabling said one of said plurality of fuel dispensers selectively based on the received authorization information, thereby permitting the customer to conduct the fueling transaction.

28. The method of claim 27 wherein said receiving step comprises receiving the authorization information at a site controller operatively associated with said one of said plurality of fuel dispensers and adapted to selectively enable said one of said plurality of fuel dispensers based on the received authorization information.

29. The method of claim 28 wherein said enabling step comprises said site controller selectively providing an enable signal to said one of said plurality of fuel dispensers based on the authorization information.

30. The method of claim 27 wherein said receiving step comprises receiving the authorization information from the authorizing network at said one of said plurality of fuel dispensers.

31. The method of claim 27 wherein said receiving step comprises receiving the authorization information from the customer'"'"'s cellular telephone via said local communications interface, the authorization information first being returned from the authorizing network to the customer'"'"'s cellular telephone via a cellular communications link.

32. A fuel dispensing system comprising:

a fuel dispenser for conducting a fueling transaction with a customer having a cellular telephone;

a point-of-sale system for selectively enabling said fuel dispenser to conduct said fueling transaction and for determining a transaction cost associated with said fueling transaction;

said fuel dispenser adapted to transmit site information to the customer'"'"'s cellular telephone, with the cellular telephone adapted to transmit the site information and additional customer information to an authorization network;

said point-of-sale system adapted to receive authorization information from the authorization network and to selectively enable said fuel dispenser based on the authorization information; and

said site information includes an outbound telephone number and the cellular telephone uses said outbound telephone number to contact the authorization network.

33. The fuel dispensing system of claim 32, wherein the outbound telephone number serves to identify said fuel dispensing system to the authorization network.

34. A fuel dispensing system comprising:

a fuel dispenser for conducting a fueling transaction with a customer having a cellular telephone;

a point-of-sale system for selectively enabling said fuel dispenser to conduct said fueling transaction and for determining a transaction cost associated with said fueling transaction;

said fuel dispenser adapted to transmit site information to the customer'"'"'s cellular telephone, with the cellular telephone adapted to transmit the site information and additional customer information to an authorization network;

said point-of-sale system adapted to receive authorization information from the authorization network and to selectively enable said fuel dispenser based on the authorization information; and

said site information includes site identification information and the authorizing network contacts said point-of-sale system based on said site identification information.

35. A fuel dispensing system comprising:

a fuel dispenser for conducting a fueling transaction with a customer having a cellular telephone and adapted to accept an alternate payment means for conducting a fueling transaction with a customer lacking a cellular phone;

a point-of-sale system for selectively enabling said fuel dispenser to conduct said fueling transaction and for determining a transaction cost associated with said fueling transaction;

said fuel dispenser adapted to transmit site information to the customer'"'"'s cellular telephone, with the cellular telephone adapted to transmit the site information and additional customer information to an authorization network; and

said point-of-sale system adapted to receive authorization information from the authorization network and to selectively enable said fuel dispenser based on the authorization information.

36. A method of using a customer'"'"'s cellular telephone to selectively conduct a fueling transaction at one of a plurality of fuel dispensers, comprising the steps of:

transmitting site information from a local communications interface associated with said one of said plurality of fuel dispensers to the customer'"'"'s cellular telephone;

transmitting site information plus additional customer information from the cellular telephone to an authorization network;

determining authorization information at the authorization network based on the additional customer information; and

receiving the authorization information from the authorization network at a point-of-sale system operatively associated with said plurality of fuel dispensers;

said point-of-sale system adapted to selectively enable said one of said plurality of fuel dispensers based on the authorization information, thereby permitting the customer to conduct a fueling transaction and said point-of-sale system operatively associated with said plurality of fuel dispensers, and wherein the site information identifies said point-of-sale system and a particular one of said plurality of fuel dispensers.

37. A method of claim 36, wherein said authorization information received from the authorization network includes the site information, thereby allowing said point-of-sale system to selectively enable the particular one of said plurality of fuel dispensers.

38. A method of using a customer'"'"'s cellular telephone to selectively conduct a fueling transaction at a fuel dispenser, comprising the steps of:

transmitting site information from a local communications interface associated with said fuel dispenser to the customer'"'"'s cellular telephone;

transmitting site information plus additional customer information from the cellular telephone to an authorization network;

determining authorization information at the authorization network based on the additional customer information;

receiving the authorization information from the customer'"'"'s cellular telephone via said local communications interface, the authorization information first being returned from the authorizing network to the customer'"'"'s cellular telephone via a cellular communications link; and

enabling said fuel dispenser selectively based on the received authorization information, thereby permitting the customer to conduct the fueling transaction.

39. A retail sales system, comprising:

a point-of-sale system for selectively conducting a sales transaction with a customer having a cellular telephone, including,

(a) a local communications interface for communicating with the customer'"'"'s cellular telephone; and

(b) an authorization network interface for communicating with one or more authorization networks;

said point of sale system adapted to transmit transaction information to the cellular telephone via said local communications interface, with the cellular telephone adapted to dial an associated authorization network for the purpose of transferring the transaction information and additional identifying customer information to the associated authorization network and said transaction information includes an outbound telephone number and the cellular telephone uses said outbound telephone number to contact the authorization network.

40. The retail sales system of claim 39 wherein said outbound telephone number serves to identify said retail sales system to the authorization network.

41. A retail sales system, comprising:

a point-of-sale system for selectively conducting a sales transaction with a customer having a cellular telephone, including,

(a) a local communications interface for communicating with the customer'"'"'s cellular telephone; and

(b) an authorization network interface for communicating with one or more authorization networks;

said point of sale system adapted to transmit transaction information to the cellular telephone via said local communications interface, with the cellular telephone adapted to dial an associated authorization network for the purpose of transferring the transaction information and additional identifying customer information to the associated authorization network and said retail sales system is further adapted to accept alternate payment means for conducting a fueling transaction with a customer lacking a cellular telephone.

42. A retail sales system comprising:

a point-of-sale system for selectively conducting a sales transaction with a customer having a cellular telephone, including,

(a) a local communications interface for communicating with the customer'"'"'s cellular telephone; and

(b) an authorization network interface for communicating with one or more authorization networks;

said point of sale system adapted to transmit transaction information to the cellular telephone via said local communications interface, with the cellular telephone adapted to dial an associated authorization network for the purpose of transferring the transaction information and additional identifying customer information to the associated authorization network and said point-of sale system further adapted to receive authorization information from the cellular telephone via said local communications interface, the authorization information first being returned from the authorization network to the cellular telephone via a cellular communications link.