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Payment program for use in point-of-sale transactionsRelated Patent Categories: Data Processing: Financial, Business Practice, Management, Or Cost/price Determination, Automated Electrical Financial Or Business Practice Or Management Arrangement, Finance (e.g., Banking, Investment Or Credit), Including Funds Transfer Or Credit TransactionPayment program for use in point-of-sale transactions description/claimsThe Patent Description & Claims data below is from USPTO Patent Application 20070022047, Payment program for use in point-of-sale transactions. Brief Patent Description - Full Patent Description - Patent Application Claims
CROSS-REFERENCE TO RELATED APPLICATIONS [0001] The present application claims priority to U.S. Provisional Application No. 60/702,193, filed Jul. 25, 2005, and entitled "Payment Program For Use in Point-Of-Sale Transactions," which is hereby incorporated by reference herein for all purposes. BACKGROUND OF THE INVENTION [0002] 1. Field of the Invention [0003] This invention relates generally to methods and apparatus for conducting retail sales and, more particularly, to methods and apparatus for payment for retail purchases by consumers enrolled in payment and/or loyalty programs offered by a retailer. [0004] 2. Background of the Invention [0005] The retail industry has shown increasing interest in improving the convenience of the shopping experience. For example, the use of loyalty cards have enabled merchants to reward customers based upon their patronage of the merchant. Loyalty cards have also enabled merchants to provide customers with a variety of other incentives and/or conveniences such as check cashing privileges. Furthermore, the use of loyalty cards have become quite popular with cost conscious shoppers since merchants typically provide discounts on the goods being purchased whenever the shopper presents a loyalty card issued by that merchant. Merchants have attempted to minimize the inconvenience to shoppers which results from requiring the shopper to present a loyalty card in order to receive discounts on goods and/or other benefits. For example, some merchants have issued small tokens that attach to a customer's key ring and, have imprinted thereon, a scannable code for identifying the shopper as a participant in the retailer's loyalty program. [0006] Efforts to improve customer convenience have also focused on speeding transactions at the point-of-sale (POS) to minimize the amount of time that a customer waits in line. The widespread adoption of bar code scanners is one result of such efforts. More recently, merchants have begun exploring the use of radio frequency identification (RFID) tags in order to quickly inventory the goods in a customer's shopping cart prior to arrival of the customer at the POS. By doing so, the purchase price of the goods is transferred to the POS, thereby eliminating the need for the cashier to scan the goods themselves. Likewise, merchants have explored other methods of employing RFID tags to speed payments. For example, key fobs have been employed to complete purchases of gasoline. Similarly, mountable tags have been employed to both complete purchases of gasoline and pay for a variety of charges associated with usages of toll roads, parking facilities and the like. Other methods for speeding payments have also been explored. For example, personal electronics-based systems such as mobile telephones and biometric based-systems that rely on a unique body feature such as a thumb or retina have been employed in a variety of payment scenarios. [0007] Drawbacks of such loyalty and payment systems include the requirement that a consumer must carry a physical device such as a card, RFID tag or mobile telephone or consent to a biometric scan, a process disliked by many. Thus, ongoing needs exist for the development for methods for improving the convenience of a customer's shopping experience, especially in the areas of improved transaction speed, enhanced loyalty programs, and combinations thereof. The present application addresses such ongoing needs, particularly a need for payment and/or loyalty programs that do not require presentation of a physical device or consent to a biometric scan in order to process a payment and/or issue cash rewards or other benefits based upon usage of the loyalty program. SUMMARY OF THE INVENTION [0008] A variety of methods and apparatus have been developed to address these and other needs in the art. Each of these is suitable for use alone or in combination with one or more of the other methods and apparatus disclosed herein. The disclosed methods and apparatus, each of which has been developed to enhance POS transactions in a respective manner, are as follows: [0009] A. A Method For Instantly Enrolling Customers In A Card-Free Program Offered By A Merchant. This process enables a customer to enroll in a card-free program offered by a merchant. The card-free program may be, for example, a payment processing program, a loyalty program or a loyalty program linked to the payment processing program (linked loyalty program). The enrollment process is also applicable to other types of card-free programs not specifically recited herein. The process of enrolling in the card-free program may be carried out at any number of locations and/or using a variety of devices. For example, enrollment may be carried out at the merchant's premises through use of a pinpad or other data input/output (I/O) device located at a point-of-sale (POS) or store kiosk for enrollment. Enrollment may also be conducted over the public switched telephone network (PSTN) through use of a telephone, over the internet through use of a personal computer (PC) or other computer system or by various combinations of the foregoing. In order to enroll, the customer provides identification information that is both generated by, and unique to, the customer. The identification information may include, for example, (i) an identification code, typically comprised of a unique identification number such as the combination of a telephone number assigned to the customer and the month and day of birth for the customer, and (ii) an authorization or security code, commonly referred to as a personal identification number (PIN). The identification information provided by the customer may be associated by the merchant with one or more functions of this card-free program, another card-free program, or a card-based program. For example, the identification information may be associated with a new or preexisting loyalty program account of the customer. When the card-free identification information is associated with an existing card-based loyalty account, the customer may access their card-based loyalty program account and/or obtain benefits associated with the card-based loyalty program without the physical use of a card. [0010] The identification information may be further associated with one or more payment options such as an automated clearing house (ACH) debit from a financial account such as a checking or savings account or a charge to a line of credit such as a bank or merchant sponsored credit card. To enable such actions, the customer provides, during the enrollment process, the appropriate financial account information (such as a routing number for a financial institution and an account number for the account to be debited) and authorization to debit funds from or charge purchase to the identified account. The card-free payment functionality may also be linked with the loyalty program functionality so that the customer receives benefits of the loyalty program for card-free purchases paid using funds from the identified account. During enrollment, the identification number may be optionally associated with additional functionality of the card-free program such as (i) the ability to purchase from affiliated merchants, including, if desired, participation in their loyalty programs, (ii) adding any number of additional users such as family members to a master account of a card-free program, (iii) designating multiple payment options such as ACH, credit or other payment options, (iv) other types of functionality not specifically recited herein, or (iv) combinations thereof. During enrollment, the merchant may perform security and/or payment verification checks such as verifying the identity of the customer, validating of the financial account identified, by the customer, as the source of funds from which payments are to be drawn, cross-checking against prohibited customer lists or other types of security checks. [0011] B. A One Step, Method For Instantly Enrolling Customers In A Card-Free Or Card-Based Modified ACH Payment Processing Or Linked Loyalty Program. Where the customer is able to provide all of the information required, for example, identification information and financial account information, to enroll in a payment process, linked loyalty program or other program offered by a merchant, the enrollment process may be carried out in a relatively expeditious enrollment process hereinafter referred to as an "instant" enrollment process. Instant enrollment of a customer may be carried out at a POS such as a check-out lane or register, or at a store kiosk for enrollment. Instant enrollment of a customer may also be carried out from a web application on a computer. For example, the customer may input the required information, typically, identification information in the form of a unique identification number and financial account information required for enrollment in a payment process via a pinpad or other data I/O device located at the POS. Likewise, the financial information may be entered by the customer using the pinpad or keyboard, entered manually by a clerk or entered automatically, for example, by reading magnetic ink on a blank check presented by the customer. Preferably, instant enrollment is carried out in a minimal amount of time, for example, 30 seconds or less, such that the enrollment process does not adversely affect the quality of service for either the enrolling customer or other customers waiting in line behind the enrolling customer. [0012] C. A Two Step Method For Enrolling Customers In A Modified ACH Payment Processing Or Linked Loyalty Program Suitable For Use With Both Card-Free And Card Based Programs. Where the customer is unable to provide all of the information required in order to complete enrollment in a payment process, a linked loyalty program or other program offered by a merchant, the enrollment may be carried out in two or more steps or separate sessions. In a first step, the customer provides initial information of sufficient detail to permit a later identification of the partially completed enrollment. Again, the initial information may be provided using a pinpad or other data I/O device located at a POS or store kiosk of the merchant. The amount of information initially provided by the customer may vary, but may include identification information, for example, an identification number, suitable for a later identification of the partially completed enrollment. Other available information, for example, identification information for one or more family members to be included on the account, may also be provided. Upon completion of the first step in the enrollment process, the customer may be provided with an enrollment number that the customer may use in addition to, or in lieu of, the identification information provided by the customer during the initial step in the enrollment process. At a subsequent point in time, the customer provides the remainder of the data required to complete enrollment in another enrollment session. For example, the customer may provide the financial account information necessary to link a pre-existing enrollment in the merchant's loyalty program to an ACH payment process, thereby enabling the customer to make card-free purchases of the merchant's goods or services. The customer may complete enrollment by returning to the merchant's premises with the required information, by calling a designated number and providing the required information over the telephone, for example, by interacting with an automated telephone system, or transmitting the required information over the internet after accessing a secured portion of the merchant's web site. To complete enrollment, the subsequently provided information is associated with the initially provided information, for example, using the enrollment number provided by the merchant during the first step of the enrollment process. [0013] D. A Method For Presentation And Acceptance Of Terms And Conditions In An ACH Payment Or Linked Loyalty Program. During either the instant or two-step enrollment of a customer in a program offered by a merchant, for example, a card-free or card-based ACH payment process or linked loyalty program, various terms and conditions, the acceptance of which are required to complete enrollment of the customer in the program, may be electronically presented to the customer, for example, via a display portion of a pinpad or other data I/O device located at the POS. In turn, the customer may elect to accept or reject the electronically presented terms and conditions, again, for example, via the pinpad or other data I/O device located at the POS. Alternately, presentation and acceptance of the terms and conditions may be made, via a voice and/or keypad entry in a telephone system, or an internet-accessible user interface at the merchant's web page. The disclosed method for presentation and acceptance of terms and conditions is equally applicable to card-free programs and to those that require the use of a card. [0014] E. A Card-Free Payment Process Suitable For Use In Financial Transactions. This process enables a customer to access selected services, for example, payment options and/or loyalty program benefits, offered by a merchant. Unlike existing services offered to customers, these and other services may be accessed through use of a unique identifying code which may be easily memorized by the customer. In accordance with this process, a customer may make a card-free purchase of goods or services from a merchant such that the customer is not required to present cash or other form of physical tender, for example, a debit card, credit card or loyalty card, provide biometric data using a uniquely identifiable body part such as a thumb or eye, or operate an electronic device configured to transmit or otherwise exchange encoded identifying information with the first merchant in order to complete the purchase. As a result, the disclosed process is directed to the first true process by which a customer may complete a transaction relying solely on mnemonic information. [0015] To complete a transaction, for example, a purchase of selected goods and/or services for which payment is required, a customer provides certain identifying information to a merchant of the selected goods and/or services, for example, using a pinpad or other data I/O device provided, by the merchant, at the POS. The provided identifying information, which preferably had been previously committed to memory by the customer may include: (a) a unique identification number, for example, telephone number and/or month and day of birth for customer; and (b) an authorization or other type of security code, for example, a PIN. The merchant verifies the provided information, typically, by use of a computerized verification and approval process and, upon verification and approval, the customer may have access to various services associated with the card-free payment process, for example, payment options and/or loyalty program benefits associated with the customer. Use of the disclosed process is not limited to the specific applications recited hereinabove. Rather, the process may be extended to a wide variety of financial applications, for example, the deposit of funds in a bank account, as well as non-financial applications, for example, the admission of a person to secured facilities such as airports. [0016] In accordance with the disclosed payment process, the provided identifying information may be used to initiate a transfer of funds equivalent to the price of the goods and/or services being purchased by the customer. While the funds would most commonly be transferred from a savings or checking account via an ACH debit, it is contemplated that the funds may originate from various sources of funds maintained by a third party on behalf of the customer, for example, a credit card or line of credit maintained by a third party on behalf of the customer. It is further contemplated that the source of the funds may either be pre-selected or selected, at the pinpad or other data I/O device provided at the POS, from any number of choices associated with the provided identifying information. [0017] Should the customer desire to link the card-free payment process to other offered services, for example, the aforementioned loyalty program, the customer may be able to access or otherwise utilize the linked services using the card-free access process hereinabove described. For example, by linking a loyalty program to a card-free payment process, the customer could receive benefits associated with the loyalty program, for example, discounts on the purchase of selected goods and subsequently pay the merchant the discounted amount for the selected goods using the ACH debit or other form of payment previously associated with the card-free payment process. Whether linked or unlinked, the card-free payment process provided by the merchant may be coupled to services offered by any number of other merchants. The other merchants may opt to couple their card-free payment process, card-free loyalty program and/or card-free linked loyalty program to the card-free payment process or card-free linked loyalty program offered by the first merchant. [0018] F. Method For Distribution Of Tender-based Rewards In A Loyalty Program. This process associates the rewards distributed by participation in a program offered by a merchant, for example, a card-based or card-free linked loyalty program, to the type of tender used by the customer to purchase goods from the merchant. The rewards, if any, issued by the merchant, for example, rebates, discounts and coupons, are distributed based upon the specific type of tender, for example, ACH debits, bank credit cards, store credit cards, cash, check, debit card, gift card or electronic funds transfer offered by the customer. The customer may offer the tender in a traditional manner or using a card-based or card-free linked loyalty program. In turn, the customer may receive incentives if they choose a preferred form of tender, for example, an ACH debit may receive reduced or no incentives if they choose a non-preferred form of tender, for example, a bank credit card that involves transaction fees for the merchant. [0019] The tender-based rewards may be linked to a card-free program such that a customer is rewarded when using functions of the card-free program, for example, access to loyalty program benefits, payment options or combinations thereof. For example, a customer may be rewarded under a linked loyalty program for using a specific card-free payment type such as an ACH debit. In addition to, or in lieu of, linking a tender-based reward to a card-free program, the tender-based reward may be linked to a product-based reward such that a customer is rewarded for purchasing a specific number, type or combination of products via a specific payment type, either traditional or card-free. For, example, a customer may be rewarded under a loyalty program for a cumulative purchase of a given number of a specific product using a specific card-free payment type such as an ACH debit. Such rewards may be cumulative, for example, a first level of reward for purchasing via an ACH debit and a second level of reward for card-free access of the ACH debit. [0020] G. A Computer System Suitable For Use In Conjunction With Either An ACH Modified Payment Processing Or Linked Loyalty Program. The foregoing processes are enabled through use of a computer system configured to (i) authenticate those customers identifying themselves as participants in a program, for example, payment processing or linked loyalty programs offered by a merchant, (ii) authorize the merchant to have access to the information required to complete a transaction associated with the program and (iii) initiate the transaction itself. Most, but not all, such transactions would be initiated at a POS located on the premises of the merchant. The location of the computer system relative to the POS may vary. For example, the computer system may form part of a remotely located control center coupled by a wide area network (WAN) to any number of retail stores at which the merchant intends to offer the program to customers; a file server, located on the premises for which the merchant intends to offer the program, coupled to each POS by a local area network (LAN), or at each POS itself. [0021] The computer system is comprised of a processor subsystem and a memory subsystem, coupled to the processor subsystem, for the bi-directional exchange of address, data and control signals therebetween. The computer system further includes at least one application which resides in the memory subsystem and is executable by the processor subsystem. The applications may include a transaction identification application, an ACH transaction application, a loyalty program application or other type of merchant program transaction application. The transaction application determines, from data received from the POS, the type of transaction to be executed by the processor subsystem. Upon identification of the type of transaction, the transaction identification application transmits the received data to the transaction application, for example, the ACH payment program transaction application or the loyalty program transaction application, which performs all transactions of the identified type. The transaction application receiving the data from the transaction identification application may then execute the transaction and return the results of the transaction to the POS. Continue reading about Payment program for use in point-of-sale transactions... 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