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WO2001069495A1 - Procede et appareil pour effectuer des operations de paiement automatisees - Google Patents

Procede et appareil pour effectuer des operations de paiement automatisees Download PDF

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Publication number
WO2001069495A1
WO2001069495A1 PCT/US2001/007887 US0107887W WO0169495A1 WO 2001069495 A1 WO2001069495 A1 WO 2001069495A1 US 0107887 W US0107887 W US 0107887W WO 0169495 A1 WO0169495 A1 WO 0169495A1
Authority
WO
WIPO (PCT)
Prior art keywords
recited
customer
payment
acceptor
transaction
Prior art date
Application number
PCT/US2001/007887
Other languages
English (en)
Inventor
Neldon P. Johnson
Original Assignee
Johnson Neldon P
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Johnson Neldon P filed Critical Johnson Neldon P
Priority to AU2001245645A priority Critical patent/AU2001245645A1/en
Publication of WO2001069495A1 publication Critical patent/WO2001069495A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00

Definitions

  • Such equipment comprises a credit/debit card
  • vending machines and certain self service facilities such as car washes accept coin, currency and credit/debit cards. Many grocery stores now have customer activated
  • That invention provides for a customer to self scan the bar code of each
  • Merchandise verification is accomplished by monitoring merchandise item weight.
  • Increasing automation and security of the payment process offers a number of potential advantages, including increasing customer convenience by reducing transaction time, reducing labor costs, increasing profits, reducing prices to consumers, reducing customer theft, reducing employee theft, reducing fraud losses, increasing collectability of credit/debit/EBT card purchases, increasing collectability of check purchases, and reducing risk to store personnel in certain applications.
  • Full automation transaction capability would provide for the acceptance of personal checks, credit/debit/EBT/data cards, biometric cards, wireless transfer, currency, coin, and coupons, and provide for the utilization of interactive touch or speech commands, merchandise bar codes, biometric verification of the customer, wireless data transfer, and personal identification card and facial image recording.
  • An objective of the present invention is to provide a fully automated payment transaction method and apparatus for retail purchase and bill payment transactions.
  • the present invention provides a method and apparatus for fully automated
  • the method and apparatus of the present invention is used to calculate payment transactions.
  • the present invention can eliminate some or all of the services normally
  • present invention can eliminate some or all of the services normally completed by
  • the transaction center of the present invention In a retail purchase setting, the transaction center of the present invention
  • purchase apparatus may be incorporated into the present invention which provides for
  • the transaction center provides for payment by coupons, currency,
  • transaction center will print the name of the payee and the correct amount on the check after a signed check is inserted into the check acceptor.
  • the check can be retained in
  • the transaction center or can be returned to the customer as a processed and canceled
  • the transaction center will also dispense currency and/or coin change when
  • payment is by check or card.
  • the transaction center may also incorporate a self
  • This apparatus provides for the customer to self process the
  • more elaborate anti-theft components may provide for automatic deactivation of each item in the customer's order after the receiving basket or
  • each item scanned in the customer's order is then deactivated by a signal emitted from automatic deactivation sensors.
  • Payment is then made through the transaction center as described above and an electronic order removal gate is opened, thereby allowing the removal of the order from the deactivation scale.
  • a customer exit gate may also be
  • the transaction center similarly provides for customer to complete the transaction without the assistance of a clerk or attendant.
  • Transaction centers may be located at the business or institution holding or managing the account of the customer, or transaction centers at retail businesses may provide for payment transactions involving any number of participating businesses or institutions.
  • Bill payment transaction capability may be incorporated into a transaction center at a retail business which is also used for retail purchase payment transactions.
  • the customer may initiate a payment transaction or account inquiry by scanning a bar code from the customer's bill for customer, payee and account identification, or may input this information by interaction with the transaction center through a touch monitor or though auditory interaction and speech recognition.
  • Currency, coin, checks and/or cards are inserted in designated acceptors for payment and the payment is completed as directed by the customer.
  • the transaction center may provide for transaction validation and fraud prevention through identification card input and recording, biometric input and recording, facial image input and recording and or signature verification.
  • Obligations that can be paid through these embodiments of the transaction center include tax obligations of the customer.
  • Biometric cards for account debiting or crediting and/or credit purchases, and biometric input and imaging for the use of biometric cards and for transaction validation and fraud prevention may utilize fingerprints, hand prints, hand geometry, facial geometry, thermal patterns, retina patterns, or DNA data.
  • Transaction centers examples of additional options that can be incorporated into a transaction center are multi media interaction and display mechanisms, event ticket purchase and dispensing mechanisms, data transmission and receipt mechanisms.
  • Transaction centers may also be utilized for the direct purchase or rental of unlimited types of goods or services.
  • Transaction centers may also be used for vending machine applications for all types of products, including controlled products such as tobacco and alcoholic beverages.
  • Biometric verification through the use of the biometric acceptor can be used to prevent underage purchases of controlled products.
  • FIG. 1 is a schematic of an embodiment of a transaction center apparatus of the present invention.
  • Fig. 2 is a schematic of a self purchase station of the present invention. DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS
  • FIG. 1 A preferred embodiment of the transaction center 1 of the present invention is shown in Fig. 1.
  • the transaction center of the present invention can be utilized for customer retail payment transactions and bill payment transactions.
  • the embodiment of the transaction center shown in Fig. 1 may also incorporate a self purchase station 22 as shown in Fig. 2.
  • this preferred embodiment of the transaction center 1 may be utilized for retail sale transactions or bill payment transactions, and is comprised of transaction bar code scanner 2, receipt printer 3, data card acceptor 4, coupon acceptor 5, currency acceptor 6, identification acceptor 7, audio speakers 8, coin acceptor 9, transaction CCD camera 10, transaction touch monitor 11, biometric acceptor 12, biometric card acceptor 13, credit/debit/EBT card acceptor 14, check acceptor 15, coin dispenser 16, currency dispenser 17, wireless transfer acceptor 18, transaction computer 19, alarm controls 20, electronic controls 21, and fax/scanner mechanism 31.
  • the transaction center 1 may incorporate the self purchase station 22 of the present invention for which a preferred embodiment is shown in Fig.
  • the transaction center may also incorporate a media rental center 39, with or without a self purchase station as shown in Fig. 2.
  • audio prompts from the audio speakers and/or video prompts from the touch monitor may be inserted at any time during the payment process.
  • interactive audio and/or video interaction may be inserted at any time.
  • the audio and video insertions are not mentioned for every stage in this description. This is intended to improve the clarity of the description of this complex payment method and the related apparatus as described below.
  • prompt in the description means an audio prompt from the audio speakers and/or a video prompt from the touch monitor as directed by the transaction computer.
  • Receipts may have
  • the customer does not contain a bar code, the customer can input identifying account
  • the transaction computer 19 will retrieve the customer's orders
  • the transaction computer may prompt the transaction computer
  • the transaction computer may also determine the elapsed time between the time the
  • the transaction center may interrupt or stop the payment transaction, subject to review by
  • the customer may either select a "yes” or a "no” option by interacting with the transaction
  • the transaction computer will compare the UPC number or other code of the coupon
  • coupon item is included in the customer's order, then the coupon amount is credited
  • the customer can end the coupon acceptance step by interacting with
  • the touch monitor or by audio interaction, or the transaction computer will default to the
  • the transaction computer proceeds to the payment process. At this point
  • the customer may select either
  • the transaction computer will automatically perform an exchange rate
  • the transaction computer will then compare the total currency and coin received to the transaction total. The transaction computer will then
  • the transaction computer will then prompt the customer to take
  • the customer may either select 'payment by
  • check acceptor will read the check' on the touch monitor or by audio interaction or the customer may merely insert a signed, blank check into the check acceptor 15.
  • the check acceptor will read the
  • check code numbers represent the customer's bank account number and bank routing
  • a bad check evaluation using a link to a bad check data base can be performed to
  • the check may be cleared immediately for the
  • the transaction computer or alternatively an employee of the user, has the
  • biometric is rejected, the customer will be prompted to place the biometric feature on or
  • the ID acceptor will read into the transaction computer, if applicable, any type
  • ID or form of data on the ID, including but not limited to magnetic stripe, bar code, data chip
  • the ID acceptor will then take a visual image of the customers JD using a
  • CCD camera that is integrated with the ID acceptor.
  • the order removal gate and the customer exit gate are opened for the customer to
  • customer may either select 'payment by credit card', 'payment by debit card' or 'payment
  • EBT card' on the touch monitor or by audio interaction or the customer may merely
  • the customer may enter a PIN by interaction with the touch
  • the transaction computer or alternatively an employee of the user, has the discretion to either accept the biometric or reject it by analyzing the biometric. If
  • the biometric is rejected, the customer will be prompted to place the biometric feature on or
  • the transaction computer or the employee When the biometric print or image is accepted, an image is then taken of the customer's face by the CCD camera 10. The customer is then taken of the customer's face by the CCD camera 10. The customer is then taken of the customer's face by the CCD camera 10. The customer is then taken of the customer's face by the CCD camera 10. The customer is then taken of the customer's face by the CCD camera 10. The customer is then taken of the customer's face by the CCD camera 10. The customer is then taken of the customer's face by the CCD camera 10. The customer is then taken of the customer's face by the CCD camera 10.
  • the ID acceptor will read into the transaction computer, if applicable, any type
  • the ID acceptor will then take a visual image of the customers ID using a
  • CCD camera that is integrated with the ID acceptor.
  • ID information such as ID, photo images, fingerprint, and any other data located in a customer database. If the customer has previously scanned a driver's licence or other form of ID,
  • the customer's image from the ID may be compared by the transaction computer with an
  • the two images may be compared
  • the transaction computer by the transaction computer or by an attendant on a monitoring screen for acceptance or rejection of the transaction. This may be accomplished at a checkout location or at a
  • the order removal gate and the customer exit gate are opened for the customer to
  • a data card is used for payment, the customer either may select 'payment by data
  • the customer may enter a PIN via the
  • the transaction computer or alternatively an
  • a desired quality is accepted by the transaction computer or the employee.
  • biometric print or image is accepted, an image is then taken of the customer's face by the
  • the customer is then prompted to insert a driver's licence or other form of ID into the identification (ID) acceptor 7.
  • ID identification
  • the ID acceptor will read into the transaction
  • the ID acceptor will then take a visual
  • the transaction computer or the user employee compares the live image of the ID, live
  • customer information such as ID, photo images, fingerprint, and any combination thereof
  • Biometric Card Acceptor If a biometric card is to be used for payment, the customer either may select 'payment by biometric card' on the touch monitor or by audio interaction, or may merely insert or swipe a biometric card through the biometric card acceptor 13. The customer will then be prompted by to place a finger, hand, face or other biometric feature onto or near the biometric acceptor 12, by which the customer's live fingerprint or other biometric will be captured and stored by the transaction computer. The transaction computer will use algorithms and a methodology, such as that described in U.S. Patent No. 5,598,474 to Johnson, to compare the customer's fingerprint or other biometric to the biometric code information contained on the customer's biometric card.
  • the customer's checking account or other designated account is debited for the transaction amount.
  • the transaction computer or alternatively an employee of the user, has the discretion to either accept the biometric or reject it by analyzing the biometric. If the biometric is rejected, the customer will be prompted to place the biometric feature on or near the biometric acceptor again until a print or image of a desired quality is accepted by the transaction computer or the employee. When the biometric print or image is accepted, an image is then taken of the customer's face by the CCD camera 10. The customer is then prompted to insert a driver's licence or other form of ID into the identification (ID) acceptor 7.
  • ID identification
  • the ID acceptor will read into the transaction computer, if applicable, any type or form of data on the ID, including but not limited to magnetic stripe, bar code, data chip and other data.
  • the ID acceptor will then take a visual image of the customers ID using a CCD camera that is integrated with the ID acceptor.
  • the transaction computer or the user employee compares the live image of the ID, live image of the customer, fingerprint information, and/or data given to the transaction center, to previously stored customer
  • the order removal gate and the customer exit gate are opened for the customer to
  • the transaction computer can also be linked to a law enforcement data base,
  • the transaction center can also send personal information of the customer in question, via
  • the information can be any information that can be used to control remote store monitoring stations, or to local or remote authorities.
  • the information can be any information that can be used to control remote store monitoring stations, or to local or remote authorities.
  • the wireless transfer acceptor 18 may receive by the wireless transfer acceptor 18, the customer's account information by
  • biometric will be captured and stored by the transaction computer.
  • the transaction computer or alternatively an employee of the user, has the discretion to either accept the
  • biometric or reject it by analyzing the biometric. If the biometric is rejected, the customer
  • ID acceptor will be any form of ID into the identification (ID) acceptor 7.
  • ID acceptor will be any form of ID into the identification (ID) acceptor 7.
  • the ID including but not limited to magnetic stripe, bar code, data chip and other data.
  • acceptor will then take a visual image of the customers ID using a CCD camera that is
  • the transaction computer or the user employee compares
  • the live image of the ID live image of the customer
  • fingerprint information and/or data
  • transaction information is recorded onto the transaction computer's CDROM and/or hard
  • gate is opened in order for the customer to leave with the purchased items.
  • the biometric acceptor 12 can be used in conjunction with transaction computer
  • Any time management program package can be added to enhance the productivity of user employees.
  • the biometric acceptor 12 may also be used for door security for the transaction
  • Alarm controls 20 are
  • a fax/scanner mechanism 31 can be used in conjunction with the biometric card
  • the customer may either fax
  • the self purchase station 22 shown in Fig. 2 may be utilized as an integral part of
  • the transaction center for retail purchase situations may be operated as a detached
  • the self purchase station is an option for the retail store which is utilizing the transaction center for payment transactions.
  • Preferred embodiments of the self purchase station are comprised of a conveyor 24, purchase touch monitor 25, audio speakers 26, product scanner and manual deactivation mechanism 27, confirmation scale 28, product automatic deactivation sensors 29, purchase CCD camera 30, deactivation scale 32, self purchase computer 33, order removal gate 36, customer exit gate 37, product sensor 38, biometric sensor 40, and receipt bar code printer 41.
  • An apparatus which is similar to the self purchase station shown in Fig. 2 is disclosed
  • the transaction center can be directly linked to the self purchase station as illustrated in Fig. 2, or can be linked by way of any mode of electronic data communication to the self purchase station.
  • the self purchase station may have one or two sets of scales.
  • Purchase items are removed from a merchandise cart, basket or bag 23 and placed on the conveyor, in stores or lines handling large orders. Convenience stores and express lines may not utilize conveyor systems.
  • the customer then passes each item from the conveyor or the merchandise cart, basket or bag over the product scanner and places it in a receiving cart, basket or bag 34.
  • a confirmation scale 28 is used to confirm, by product weight, the placement of a scanned item into the receiving basket or bag, rather than a different item, thereby reducing theft losses.
  • the self purchase station if the weight of the item placed into the receiving cart, basket or bag does not match the known weight of the scanned item, further scanning will not be permitted and the order removal gate and the customer exit gate will remain locked until the customer, with or without the assistance of
  • a product deactivation mechanism to deactivate anti-theft markers on the item as the item is scanned, if the scan is accepted by the purchase computer.
  • the scanner is de-actuated by the purchase computer after each product is scanned
  • wireless marker signal for the scanned product is deactivated, if manual deactivation is
  • the scanner is not re-
  • the total weight of the order is
  • an automatic product deactivation mechanism can be used
  • the self purchase station is integrated with the transaction center,
  • One or more automatic product deactivation sensors 29 can be placed at any location on the self purchase station, but for the preferred embodiment shown in Fig. 2, they are located immediately before the deactivation scale in order to eliminate any problem with un-scanned products being placed in the receiving cart, basket or bag before it is placed on the deactivation scale, and/or just after the order removal gate, thereby eliminating any product being thrown into the receiving cart, basket or bag after the order has been totaled.
  • the deactivation mechanism When the cart, basket or bag of products is placed on the deactivation scale, and under the deactivation sensor of the deactivation mechanism, the deactivation mechanism reads each product's wireless code and transmits it to the purchase computer, automatically deactivating the products. The purchase computer then retrieves the weights of all the products deactivated and confirms that all the products have been properly read into the computer. Once the weights are verified and the product deactivation process is completed, the order removal gate and the customer exit gate are opened, permitting the customer to leave with the order. The last automatic product deactivation sensor may be used to continue to monitor the order to detect any non-deactivated products in the cart, basket or bag.
  • a central monitoring station or an attendant station as well as the customer may be alerted via camera, audio speaker, or touch monitor with instructions regarding steps or options to alleviate the problem, such as scanning the product or removing the un-scanned product from the cart,
  • deactivation system may be used to continue to monitor the order to ensure that no non-
  • deactivated products are subsequently placed in the cart, basket or bag.
  • the transaction center the deactivation scale, the customer exit gate, and the
  • any type of restraining mechanism for the order removal gate and the customer exit gate, any type of restraining
  • Such devices include turnstiles, doors and gates. Motorized drives
  • a transaction center 1, with or without a self purchase station 2 may also include a
  • media rental center 39 for the rental of videos, computer games, CD's and the like.
  • retail store may require a formal membership with a signed membership agreement or membership terms can be agreed to by the customer through interaction with the
  • a conveyor may provide for passing the media item through a scanner and to a point of exit to be picked up by the customer.
  • H. Surveillance Monitor A surveillance camera may be utilized at any location near a transaction center or self purchase apparatus. Video recordings or time lapse photographs from the surveillance cameras may be stored along with other transaction data for a particular transaction.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé et un appareil permettant d'effectuer des opérations de paiement automatisées pour des achats au détail et des paiements de factures. Un code d'identification est numérisé à la réception des commandes de détail par le client qui identifie la commande et le montant des paiements requis. Le client choisit, au moyen d'un écran tactile (25), la ou les forme(s) de paiement désirée(s) puis effectue le paiement requis en utilisant un accepteur de coupons (5), un accepteur de papier-monnaie (6), un accepteur d'espèces (9), un accepteur de chèques (15), un accepteur de carte de crédit/débit/EBT (14), un accepteur de carte biométrique (13) ou un accepteur de carte de données (4). La vérification de l'identité destinée à empêcher les contrefaçons peut s'effectuer au moyen d'un accepteur biométrique (12) qui vérifie l'empreinte digitale ou autres caractéristiques biométriques des clients.
PCT/US2001/007887 2000-03-15 2001-03-13 Procede et appareil pour effectuer des operations de paiement automatisees WO2001069495A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001245645A AU2001245645A1 (en) 2000-03-15 2001-03-13 Method and apparatus for automated payment transactions

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US52643300A 2000-03-15 2000-03-15
US09/526,433 2000-03-15

Publications (1)

Publication Number Publication Date
WO2001069495A1 true WO2001069495A1 (fr) 2001-09-20

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004001690A1 (fr) * 2002-06-21 2003-12-31 Productivity Solutions, Inc. Systeme multiple a verification automatique ayant un dispositif de paiement integre
WO2004097758A3 (fr) * 2003-04-25 2005-02-17 Electronic Data Syst Corp Techniques permettant de proteger les transactions financieres
EP1704518A1 (fr) * 2003-12-18 2006-09-27 Vensafe Asa Procede et systeme destines a etre utilises dans la vente de biens de consommation
US7917434B2 (en) 2002-08-13 2011-03-29 International Business Machines Corporation Method for planning commercial financing payment
US20120287157A1 (en) * 2010-01-29 2012-11-15 Kazuhiro Doi Currency processing device

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5794207A (en) * 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
US5855008A (en) * 1995-12-11 1998-12-29 Cybergold, Inc. Attention brokerage
US5983204A (en) * 1997-09-25 1999-11-09 Americus Shareowner Service Corp. System and method for supporting a new financial instrument for use in closed end funds
US6236972B1 (en) * 1998-12-02 2001-05-22 Gary Shkedy Method and apparatus for facilitating transactions on a commercial network system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5855008A (en) * 1995-12-11 1998-12-29 Cybergold, Inc. Attention brokerage
US5794207A (en) * 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
US5983204A (en) * 1997-09-25 1999-11-09 Americus Shareowner Service Corp. System and method for supporting a new financial instrument for use in closed end funds
US6236972B1 (en) * 1998-12-02 2001-05-22 Gary Shkedy Method and apparatus for facilitating transactions on a commercial network system

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004001690A1 (fr) * 2002-06-21 2003-12-31 Productivity Solutions, Inc. Systeme multiple a verification automatique ayant un dispositif de paiement integre
US7048184B2 (en) 2002-06-21 2006-05-23 International Business Machines Corporation Multiple self-checkout system having integrated payment device
US7917434B2 (en) 2002-08-13 2011-03-29 International Business Machines Corporation Method for planning commercial financing payment
WO2004097758A3 (fr) * 2003-04-25 2005-02-17 Electronic Data Syst Corp Techniques permettant de proteger les transactions financieres
EP1704518A1 (fr) * 2003-12-18 2006-09-27 Vensafe Asa Procede et systeme destines a etre utilises dans la vente de biens de consommation
US20120287157A1 (en) * 2010-01-29 2012-11-15 Kazuhiro Doi Currency processing device
EP2530658A4 (fr) * 2010-01-29 2013-07-10 Glory Kogyo Kk Dispositif de traitement de monnaie
US9202326B2 (en) * 2010-01-29 2015-12-01 Glory Ltd. Money handling apparatus
US9773365B2 (en) * 2010-01-29 2017-09-26 Glory Ltd. Money handling apparatus

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