CA2010846C - Automated order and payment system - Google Patents

Automated order and payment system

Info

Publication number
CA2010846C
CA2010846C CA002010846A CA2010846A CA2010846C CA 2010846 C CA2010846 C CA 2010846C CA 002010846 A CA002010846 A CA 002010846A CA 2010846 A CA2010846 A CA 2010846A CA 2010846 C CA2010846 C CA 2010846C
Authority
CA
Canada
Prior art keywords
data
order
payment
consumer
services
Prior art date
Legal status (The legal status 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 status listed.)
Expired - Lifetime
Application number
CA002010846A
Other languages
French (fr)
Other versions
CA2010846A1 (en
Inventor
Jonathan M. Gorog
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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
Priority to US07/221,536 priority Critical patent/US4947028A/en
Application filed by Individual filed Critical Individual
Priority to CA002010846A priority patent/CA2010846C/en
Priority to EP90302004A priority patent/EP0446500B1/en
Publication of CA2010846A1 publication Critical patent/CA2010846A1/en
Application granted granted Critical
Publication of CA2010846C publication Critical patent/CA2010846C/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/087—Inventory or stock management, e.g. order filling, procurement or balancing against orders
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/306—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructures
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers

Abstract

An automated order and payment system for use by consumers to rapidly order products and services from any location at which the consumer is present at the time of ordering. The system receives information about the products/services to be ordered by means of signals generated by scanning identification codes imprinted in advertising media or displayed to a consumer on a television screen. A special version of the invention is modified to accept voice command via a voice recognition means for those physically handicapped persons unable to perform manual data entry tasks. The consumer uses an optical scanning means embodied in a Order Computer Terminal to scan the identification code associated with a company and identification codes associated with the products/services desired. This product and company information is stored in the Order Computer Terminal along with credit information retrieved from a plurality of storage means used on credit cards and subsequently transmitted when desired by the consumer to a Central Computer System. The Central Computer System simultaneously receives information from multiple order computer terminals and verifies that the products or services from the desired company are in fact available. The Central Computer System also verifies the credit worthiness of the consumer by searching for such information from credit data bases. When the Central Computer System determines that the desired products/services are available and that the consumer is credit worthy, an order verification signal is sent to the individual consumer's order computer terminal whereupon the consumer verifies that he/she wishes to order the products/services communicated to the central computer system.
Once the consumer verifies the order, the automated order and payment system places the order for the products/services desired and provides the appropriate credit reference to the supplier of the product/service. The automated order and payment system capabilities are more fully set forth herein.

Description

201~6 Title of Invention: AUTOMATED ORDER AND PAYMENT SYSTEM

BACKGROUND OF THE INVENTION

1. Field of the Invention This invention relates generally to automated order entry systems and more specifically to electronic communication of orders from a buyer to a seller of products/services.

The originality of the invention lies in the integration of existing devices, products and networks to accomplish a unique service which will make the process of buying and selling significantly more efficient. By using electronic communication technologies, this invention will allow the general public, including the visually and mobility handicapped, to place orders, and to pay for and receive merchandise and services, directly from their domiciles. Additionally, the same process will be used for merchant to merchant ordering and sales transactions.
2. Background Several types of electronic data entry systems are described in issued patents. These fall into several classes. Certain data entry systems are caused to record data by an operator pressing a series of keys to allow the operator to enter alpha-numeric data. Other such systems cause data to be entered - 2~1~8~6 through use of a manually scanned optical sensor. One such ~ombination unit having both keyboard input and optical scanner input is described in U.S. Patent No. 4,621,189 to Kumar et al.
Similarly, U.S. Patent No. 4,578,572 to Hice discloses an apparatus for personal identification which comprises a bar code printer and separate bar code reading apparatus connected to a portable keyboard data input device.
Other bar code reading devices have also been disclosed in issued U.S. Patents. In U.S. Patent No. 4,621,259 to Schepers et al. an optical bar code reader connected to a station selecting apparatus in a television set allows a user to select one particular station for viewing. In U.S. Patent No. 4,415,065 to Sandstedt, an apparatus is disclosed containing an optical bar code reader attached to a portable micro-processor for rapid entry of orders in a restaurant or a retail vending facility. In U.S. Patent No. 4,516,016 to Kodron, an apparatus is disclosed that is very similar to the Sandstedt invention for use in recording orders in restaurants that contains an optical bar code reader that is connected to a central processing unit for entry of restaurant orders. In U.S Patent No. 4,608,487 to Awane et al., a bar code reader is used to input information to automated vending machines. In U.S. Patent No. 4,471,218 to Culp, a 2 ~
~ortable data entry terminal is disclosed containing an optical ~ar code reader and memory that subsequently transfers the data from the portable unit to a central computer.
Optical readers known as nlight pensn have also been used to interact with cathode ray tubes (nCRTn) to communicate with a central data base to indicate the selection of an option by a user. U.S. Patent No. 3,668,312 to Yamamoto et al., discloses a system whereby a party receiving a television image can use a light pen to indicate a selection of an option. This invention is used in the context of a telephone system. In U.S. Patent No.
4,329,684 to Monteath et. al., a light sensing apparatus capable of sensing either a bar code or the light output in a particular area of a television screen to allow input of information to a central computer is disclosed. Patent No. 3,292,489 to Johnson et al., discloses a system for retrieving information from a database where data is displayed on a CRT with an associated optical code which is scanned by a hand-held optical sensor, which in turn provides information to a database for retrieval of the data required.
Portable data storage devices are also disclosed in issued U.S. patents. In U.S. Patent No. 4,525,624 to Pontefract, a data storage device is disclosed that stores information for a sales-man, while information is input via a key pad. At the close of each day, the stored data is transmitted via telephone to a - 2~8~6 central computer. Similarly, in U.S. Patent No. 4,115,870 to ~owell, a hand-held data processing terminal is disclosed that stores data input via a key pad, which device also contains a data transmission circuit to allow information stored to be transmitted over telephone lines to a central computer. In summary, these patents all describe systems, each of which serves only a part of the entire retail cycle of customer demand, supplier filling that demand, payment for goods or services desired and delivery of those goods and services.

Many of the above patents describe systems which collect data and transfer data to a central data base. None of the patents describe data communication back from the central database to the data collection device in the same process.
Additionally, none of the patents address the needs of the visually and mobility handicapped segment of the general public who cannot operate the devices described. Finally, none of the above patents describe a means to account for the credit needs of the public which are an integral part of the vast majority of the purchases made by consumers today.

2~84~
SUMMARY OF THE INVENTION

The Automated Order and Payment System of this invention allows consumer transactions for goods and services to take place in a faster and more efficient manner than currently available thereby reducing the cost of selling such goods to consumers.
The invention provides a simplified ordering system that eliminates the need for any order form to be filled out by the consumer. It further does not require the consumer to go to the place of sale in order to obtain the merchandise desired.
The system comprises three major components:

(a) A central computer system ("CCS~) with a variety of programs, processing and storage capability and communications capabilities to allow input and output communications with order computer terminals.
(b) A product/service identification system consisting of symbols that are presented to the public via print and/or television media.
(c) A order computer terminal (~OCT") with means to input data orally, optically, magnetically, electronically, and manually having associated order processing software and 2 ~ 6 communications capabilities allowing receipt of communications ~rom the CCS and further providing output communications to the CCS .
The CCS can send data to or receive data from the OCT's or from other computer systems, for the purpose of accepting data transmitted from such terminals or other computers over normal telephone lines, radio, television, satellite, or any other signals from remote locations to the CCS. The CCS can also communicate with other computers using accepted industry protocols.
The CCS has various computer software programs that allow product/service order information to be accepted and transmitted from the central computer. Such software will also confirm or deny orders for products based upon records of inventories that have been provided by participating businesses or by sending a query to other computers holding the necessary data records for participating businesses. The CCS also confirms/denies the payment medium chosen by the consumer by communicating with third party systems such as credit card authorization systems or individual businesses.
Upon completion of order acceptance and confirmation of payment media, the confirmed order with associated information is sent to the consumer via the communications output means of the CCS. The confirmation information is received by the OCT via its 2 ~ 6 internal communication means and displayed or printed for the Consumer. If the order or payment is denied, the CCS sends a denial message to the OCT from the CCS communication means, which message is received by the OCT communication means Thus the OCT
and the CCS communicate with each other via their two-way communications capability.
The invention operates through a series of identification codes that uniquely identify the company offering the product/
service for sale and the individual product/service desired.
Such identification codes may consist of, but are not limited to, bar codes which represent businesses and products/services being offered. These codes are printed in catalogs, magazines, newspapers and television advertisements, direct mail circulars, and any other medium that might communicate product information to consumers.
The OCT comprises data entry and storage and communication capabilities for use by the consumer. The consumer enters identifications data about the company from which he wishes to purchase products/services and data concerning the products/services to be purchased. This information is entered via an optical identification code reader which is manually scanned over an identification code. Information can also be entered manually via a key pad or orally via a voice recognition capability embodied in the OCT, which capability converts the 2~0~
human voice into digital data. The associated key pad or voice ~ecognition capability also is used to input other information relating to the sale. The OCT also has the capability to read magnetic stripes, microchips, and optical storage media that are incorporated in credit cards using a plurality of means embodied in the OCT.
The OCT has a capacity to store orders from multiple companies and multiple orders from any given company.
A consumer uses the communications capacity of the OCT to transmit the order data via telephone lines, radio signal, or other communications links to the CCS. The OCT also has variable programming means such that it will prompt the user to enter data as required.

The automated order and payment system according to the present invention allows a consumer to place orders for goods and services through use of an order computer terminal (''OCT'') that interacts with identification codes and voice commands that specifically identify companies and products\services, which codes appear in advertising media. The system allows rapid entry of orders for products and services without the consumer having to go to the location where such products and services are offered and with a minimum of consumer data entry. The invention consists of widely distributed OCTs and a central computer system (''CCS'') that processes the orders and associated credit information that is sent to the CCS from the OCTs.
Through use of the OCTs, consumers rapidly enter information concerning the products and services desired with such information subsequently transmitted to the CCS for rapid processing and verification.
BRIEF DE~CRIPTION OF THE DRAWINGæ
Figure 1 is a block diagram of the configuration of an Order Computer Terminal (OCT) according to the present invention;
fig 2 is a block diagram of the process by which the consumers use the optical reading means of the OCT;
fig 3 is a block diagram of the process by which the Central Computer System (CCS) receives the order packets from OCTs via the OCT communications module;
fig 4 is a block diagram of the order data processing achieved through use of the OCT;
fig 5 is a block diagram of the credit data processing achieved through use of the OCT;
fig 6 is a block diagram showing how information is provided to the order acceptance process of the CCS; and fig 7 is a block diagram of the process flow for automated order and payment system according to the invention, showing how a consumer can use the OCT by following steps that lead the consumer through the process required in order to complete an order.

..j DET~TT~n DE8CRIPTION OF THE INVENTION
Referring first to figure 1, the OCT consists of an optical reader (1) that a consumer scans across identification codes (12) that may appear in magazine, newspaper, catalog and television advertisements. These codes identify the company providing the 9a ,.

2 ~
product/service, the product/service desired and the price code for the product/service. Information sensed by the optical reader is placed in the OCT memory t7].
The OCT contains an alpha numerical key pad ~2] by which a consumer can enter data when necessary and which contains a key for initiating the order process and a key for verifying an order once all data processing concerning that order has been completed.
For special applications where a visually or mobility handicapped person used the system, the OCT contains a human voice recognition means and may also contain a speech synthesizing means. The voice recognition means translates voice commands into digital data that is processed and stored in memory. The voice synthesizing means is used in lieu of the visual display thereby prompting the user through the ordering and payment sequence.
The OCT also contains a magnetic reading capability t3~ that allows a consumer to use the magnetic stripe on a credit card to directly input the information contained therein to the order entry system. In this manner, data can be rapidly entered concerning the credit information of a consumer.

2 ~
The OCT also contains a laser optical reader t4] that ~ptically reads stored data that may be present on a credit card.
Such optical data may also contain consumer, and other identifying data.
The OCT also contains means to read the data stored in microchips embedded in credit cards t5]. Data stored in microchips will also contain certain consumer identification and credit card information necessary to complete purchase transactions.
The OCT also contains means to recognize the speech of an individual in order to enter data orally t6] for those handicapped persons unable to manually use a credit card.
The OCT also contains a communications means t8]. This interface allows the OCT to communicate with the CCS via telephone or other communications media (i.e. optical fiber networks, radio frequency transmissions, and satellite communications means). In this way, the OCT can rapidly send information without error to the CCS concerning the order information and information concerning the consumer's credit.
The OCT also has an alphanumeric display t9] that informs the consumer that the OCT is operating correctly, that the order has been accepted or rejected, and other information related to communication between the OCT and the CCS. Such - ) 2~84~
information may also be printed via an integral printer means tl0] or communicated to a handicapped individual via an integral speech synthesizing means ~11].
Finally, the OCT contains both a memory capability and a capability to execute preprogrammed software t7]. This capability allows the OCT to store the software necessary to allow the OCT to interact with the consumer and the CCS.
Further, the memory capability allows the OCT to store information presented to it by the optical reader, the key pad, the voice recognition system, the microchip reader, or the magnetic stripe reader which information relates to consumer identification data and to the goods or services desired for subsequent transmission via the communications interface to the CCS. Throughout this application, the credit and order data is referred to as the norder packet. n Referring to Fig. 2, The consumer uses the optical reading means of the OCT to read the optical identification codes t20]
that are present in media advertising. The consumer first scans the identification code relating to the merchant or service provider. The consumer next scans the identification codes relating to the goods or services that the consumer desires to purchase.

- i 2~8~

In the case of a handicapped individual who cannot use the optical scanning means, the advertising data is input using the voice recognition means [6]. (Note: Throughout this specification, optical identification codes are exemplified as the input data. Data input capabilities of this inventions are in no sense so limited but should be viewed broadly. Indeed, it is a key aspect of this invention to provide alternative means of advertising and credit data input for those handicapped persons unable to handle a credit card or an optical identification code reader. ?
In the situation where a handicapped consumer is ordering, that person will activate the OCT by a voice command and enter company data and product/service data orally. Company and product/service data will be presented to the handicapped public via media that has been customized to meet the specialized needs involved.
Software in the OCT interprets the optical identification code or orally input information t21] thereby obtaining company identification data, product or service identification data, and prices for the goods or services desired. After interpretation of this data, the information is stored t22] in the OCT memory and is either displayed t23] or confirmed by the voice synthesizer for the consumer.

~` 2~PB~6 After company, product and price data is entered, the OCT
~prompts the consumer to enter a credit card t24~ to be used for the transaction. If handling a credit card is not possible for the handicapped person, credit data can be pre-stored in the OCT
memory at the time the unit is provided to the handicapped person, thereby allowing such data to be transmitted without physically handling a credit card. The credit card data is accepted t25] and information is thereby acquired concerning the consumer's name, address, credit card number, type of credit card, and preferred delivery day, time and address for delivery.
This information may be extracted from any of the various types of credit cards having integral data storage capability (i.e.
chip card, laser optical card, magnetic card).
Data extracted and interpreted from the consumer's credit card is stored in the OCT memory t26] and displayed for the consumer t27] on the OCT alphanumeric display or printed as desired t28] or verified orally via the speech synthesizing means t29 ] .
After all data is stored, the consumer activates the OCT
communications means t8, 29A] that allows the OCT to communicate with the CCS concerning the proposed sale of goods or services.
The OCT memory now contains credit authorization information, 2 ~ 4 ~
total purchase price, company identification, a list of the ~products/services desired, the consumer's name and address, the delivery address, and the date and time for delivery.
Referring to Fig. 3, the CCS receives the order packets over a variety of transmission media (e.g., telephone line, optical fiber transmission lines, satellite data link) from OCTs via the OCT communications module 130]. This module contains the hardware and software necessary to receive order and credit information from OCTs when a consumer sends such information.
The incoming order packet process causes the order packet data to be divided into order data t31] that is, the information relating to the merchant, identification of the goods or services, and the amount of items desired. This information then is subjected to the order data processing software t32] of the CCS.
In a similar fashion, the credit data t33] is separated from the incoming order packet information. This credit data contains the credit authorization data and other information relevant to the credit card in use, and the total price of the goods or services desired. This information is then subjected to the credit data process [34] of the CCS.
Referring next to Fig. 4, the CCS takes the order data information and determines if the order data may be further processed by using a local database internal to the CCS, or if the CCS must send such data to external merchant/supplier 2 3 ~ 6 databases t40]. If the order information is not kept locally in the CCS, the CCS will activate the order communications module t41] which will in turn communicate with the external merchant/supplier database t42]. Once the external database has determined that the goods or services are available, it communicates with the CCS order communications module notifying the CCS that the order has been accepted or not t44]. Such information is subsequently provided to the order acceptance process of the CCS (Fig. 6).
~ f the order data processing of the CCS determines that the product or service is represented in the CCS internal database of products and services t43], the CCS determines if the product of service is available in the desired quantity and/or at the desired time. The CCS verifies that inventory is present at the merchant/supplier, verifies the price of the goods or services desired, calculates the applicable tax, and confirms the delivery date and time desired. If the order information can be so fulfilled according to the database, the order accepted. If the database indicates the order cannot be satisfied it is rejected t44] and such information (acceptance or rejection) is communicated to the order acceptance process of the CCS (Fig. 6).
Referring to Fig. 5, credit data that is separated during the order packet process is sent to the credit processing software of the CCS. The credit data t33] containing the information on the consumer, the type of credit card in use, the credit limits of the card (collectively the authorization data [50]), and the total purchase price tS~] are divided into the data format necessary to communicate with the external credit database in question. The CCS credit communication module t52]
allows this interaction with the external credit authorization network ~53] to take place.
Once the external credit authorization network has reviewed the authorization and total price data, it communicates its determination back to the CCS via the credit communications module t52]. The CCS credit data processing software takes the incoming credit data and determines if the credit for the individual in question has been approved t54]. The results of this credit approval process are communicated to the CCS order acceptance process (Fig. 6).
Referring next to Fig. 6, the CCS order acceptance process makes two determinations. First, the CCS determines if products/services are available t60]. If not, the order is rejected t62] and the CCS so communicates to the OCT via the OCT
communications module t30].
If the product or service is available, the CCS determines if credit for the purchase has been approved. If credit has not been approved, the order is rejected t62] and the rejection is communicated to the OCT via the OCT communications nodule t30].

'~ 3 20~0~
If credit has been approved, the CCS proceeds to the order ~acceptance sequence t63] and communicates the order acceptance and confirming information to the OCT via the OCT communications module t30].
Because the CCS contains internal databases of products and services, it also performs an inventory management service to those merchants who subscribe to the automated order and payment system. Thus an added capability of the invention is to provide merchants with inventory reports concerning their goods shipped and on hand as well as other inventory control features.

In summary, this process selects the merchant/supplier, confirms the availability of inventory to fulfill the sale, confirms the price, method of payment, and credit status of the consumer as well as the delivery date and method of delivery.

` 201~6 - How To Use When a consumer wants to place an order for products/
services the consumer activates the OCT by pressing a function key on the OCT key pad. The consumer is then prompted through a series of steps that are displayed on the OCT display screen.
These steps lead the consumer through the process required in order to complete an order. Referring to Fig. 7, these steps include but are not limited to the following:

1. Press the function key to activate the OCT t70].
2. The consumer is prompted to scan the optical reader over the company identification code printed or transmitted in the advertisement t71].
3. The consumer is next prompted to scan the optical reader over the product(s) identification code(s) listed in the advertisement and which the consumer desires to order t72].
4. The consumer is prompted to enter the form of payment using the payment input means of the terminal. For example the user is directed to pass a credit card through the magnetic stripe reader of the terminal t73].

'` 3 2a~08~6 It is important to note that step 4 is accomplished by the OCT reading such information from the credit card in use. Such information will be present in the magnetic stripe, optical storage media or microchip on the credit card in use. It is an objective of this invention to provide a means of reading all such credit cards.
5. The consumer is next prompted to enter data concerning the address to which the consumer wishes the goods to be shipped if different from that stored on the credit card in use. This information is entered via the alphanumeric key pad of the OCT
t74].
6. When this order entry process is completed, the consumer activates the communication capability of the OCT by causing the OCT to be connected to a telephone system or other transmission medium and depressing a nsend" key t75]. At this point the OCT will dial a preprogrammed telephone number and transmit the order to the CCS. The information containing the order or orders, payment method, shipping addresses, and preferred method of deIivery for each order (the order packet) is then processed by the CCS.

~ i 2 ~
7. The CCS, via its internal software, accepts the order packet data t76], divides the data into order data t77] and credit data t78] performs the necessary analysis and communications to accept or reject the order t79], communicates the results to the OCT in question t80].
8. Once the order acceptance is communicated to the OCT, the consumer has a final opportunity to place the order or reject it t81] by so notifying the CCS via the OCT keypad input.
9. If the order is accepted by the consumer, it is placed by the CCS t82].
10. Once the order is placed, it is subsequently delivered to the consumer, or is filled for consumer pick-up on the date and at the time desired.

How to Use when Visually and/or Mobility-Handicapped When a handicapped consumer wants to place an order for products/services, the consumer performs the following actions:

1. Activate the OCT by speaking an appropriate command into the OCT microphone t70].

- 2 a ~ 6 2. The consumer is prompted by the OCT voice synthesizer ~ to orally enter the company name that has been obtained from the advertising source that has been modified for use by the handicapped [71]. (e.g., Braille imprinting).

3. The consumer is prompted by the OCT voice synthesizer to orally enter the products/services and the price of those products and services desired t72].

4. The consumer is prompted by the OCT voice synthesizer to orally enter the form of payment using the payment input means of the OCT. For example, the user is prompted to pass a credit card through the magnetic stripe reader of the OCT t73] If the consumer is unable to perform this task because of a particular handicap, the consumer will use the voice input means of the OCT
to describe the payment method. Any special payments arrangements can be programmed into the OCT memory during the installation process.

- The remaining operations of the product ordering and approval process proceed in the same fashion as previously described. Input and output during the ordering process can be achieved with any of the above described input or output sources (i.e. printer, voice synthesizer, alphanumeric display).

2~10~46 While a specific embodiment of the invention has been ~discussed in the preceding sections, the invention should be viewed broadly and limited only by the scope of the appended claims.

Claims (10)

The embodiments of the invention for which an exclusive property or privilege is claimed, are defined as follows:
1. An-automated order and payment system which comprises:
a plurality of remote programmable data input\output terminals, and a central data processor, each one of said plurality of remote terminals comprising:
an optical reader for optically scanning and producing first data representative of visually displayed product or service identification code information;
a payment card reader for inputting payment card information stored on any one of a plurality of user's different payment cards, including means for producing second data representative of such payment card information;
integral memory means for temporarily storing the first data representative of the optically scanned identification code information and the second data representative of the payment card information; and integral communication means for transmitting the first and second data to said central data processor, subsequent to storage of the first and second data in the integral memory means; and additional integral memory means for storing computer programs for controlling operation of at least the optical reader, the payment card reader, the integral memory means and the integral communication means;

said central data processor comprising:
first central communication means for receiving the transmission of first and second data from the integral communication means of the remote terminals;
order pricing means for calculating an order cost to the user based upon at least the first data received from the remote terminals by the first central communication means;
second central communication means for transmitting the second data and order cost to an external database, and for receiving payment authorization information therefrom;
order confirmation means for providing to the remote terminal, subsequent to receipt of the payment authorization from the external database, a request for the user's confirmation that a product or service represented by the first data should be ordered;
and third central communication means for transmitting at least the first data and the payment authorization information to a product\service provider in accordance with the first data, in response to receipt by the central data processor of an order confirmation message from the remote terminal.
2. The automated order and payment system according to claim 1, wherein the payment card reader of at least one remote programmable data input\output terminal comprises a magnetic reader for reading information from magnetic stripes on payment cards.
3. The automated order and payment system according to claim 1, wherein the payment card reader of at least one remote programmable data input\output terminal comprises a microchip reader for reading information from microchips embedded in payment cards.
4. The automated order and payment system according to claim 1, wherein the payment card reader of at least one remote programmable data input\output terminal comprises a laser optical data reader for reading information that is optically stored on payment cards.
5. The automated order and payment system according to claim 1, wherein the payment card reader of at least one remote programmable data input\output terminal comprises speech processing means for causing oral instructions to be stored and used as at least one of the first and second data.
6. The automated order and payment system according to claim 1, wherein the first central communication means communicates with multiple remote programmable data input\output terminals over a plurality of transmission media.
7. The automated order and payment system according to claim 1, the central data processor further including a data base of information concerning availability of products and services from merchant\suppliers of said products and services.
8. The automated order and payment system according to claim 7, the central data processor further including means for providing a message to a remote terminal indicating rejection of an order, or part of an order, based upon availability\non-availability of the products or services corresponding to the first data.
9. A process for rapidly ordering and paying for goods and services comprising:
a consumer's optically inputting product or service identification codes used to identify merchants and goods\services desired to be purchased by the consumer, into memory of a remote programmable data input\output terminal, the consumer's entering of payment data into said memory by placing a payment card into a payment card reader integral with the remote terminal, subsequently transmitting said identification codes and payment data to a central data processor, verifying by the central data processor that the product or services corresponding to the identification codes are available;
transmitting the payment data from the central data processor to an external database associated with the payment data;

the central data processors's receiving payment authorization data from the external database;
notifying the consumer of availability of and payment authorization for, or rejection of, the desired purchase, and upon order confirmation by the consumer, delivery of the goods or services ordered to the consumer by pre-arranged parameters or selectively designated by the consumer at the time of sale.
10. The process for automated ordering of products and services according to claim 9, wherein the payment data are derived from a selection of at least one of the following cards: a microchip payment card, a magnetic storage payment card, and optical data storage payment card.
CA002010846A 1988-07-19 1990-02-23 Automated order and payment system Expired - Lifetime CA2010846C (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
US07/221,536 US4947028A (en) 1988-07-19 1988-07-19 Automated order and payment system
CA002010846A CA2010846C (en) 1988-07-19 1990-02-23 Automated order and payment system
EP90302004A EP0446500B1 (en) 1988-07-19 1990-02-26 Automated order and payment system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US07/221,536 US4947028A (en) 1988-07-19 1988-07-19 Automated order and payment system
CA002010846A CA2010846C (en) 1988-07-19 1990-02-23 Automated order and payment system

Publications (2)

Publication Number Publication Date
CA2010846A1 CA2010846A1 (en) 1991-08-23
CA2010846C true CA2010846C (en) 1995-10-31

Family

ID=25673974

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002010846A Expired - Lifetime CA2010846C (en) 1988-07-19 1990-02-23 Automated order and payment system

Country Status (3)

Country Link
US (1) US4947028A (en)
EP (1) EP0446500B1 (en)
CA (1) CA2010846C (en)

Families Citing this family (526)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6507823B1 (en) 1904-05-29 2003-01-14 Pierre Hercules Nel System and method for on-line purchasing of goods and services
US6443840B2 (en) * 1986-03-10 2002-09-03 Response Reward Systems, L.C. Evaluation of responses of participatory broadcast audience with prediction of winning contestants; monitoring, checking and controlling of wagering, and automatic crediting and couponing
US5572572A (en) 1988-05-05 1996-11-05 Transaction Technology, Inc. Computer and telephone apparatus with user friendly interface and enhanced integrity features
US5679943A (en) * 1989-04-28 1997-10-21 Norand Corporation Hand-held terminal with display screens, interactive screens, magnetic credit card readers, scanners, printers and handlers
US5870724A (en) 1989-12-08 1999-02-09 Online Resources & Communications Corporation Targeting advertising in a home retail banking delivery service
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5748899A (en) * 1990-09-07 1998-05-05 Lowry Computer Products, Inc. Method and system for collecting and processing bar code data
DE69132600T2 (en) * 1990-10-01 2002-02-07 Thomas A Bush TRANSACTION PROCESSING SYSTEM
US5183142A (en) * 1990-10-18 1993-02-02 Ramy Systems, Inc. Automated cashier system
US5387784A (en) * 1990-10-30 1995-02-07 Societe D'applications Generales D'electricite Et De Mecanique Sagem Portable payment terminals and network for such terminals
FR2668629B1 (en) * 1990-10-30 1994-09-09 Sagem PORTABLE PAYMENT TERMINALS AND NETWORK OF SUCH TERMINALS.
CA2100459A1 (en) * 1991-03-05 1992-09-06 William J. Veeneman Method and apparatus for generating gift certificates
US7693748B1 (en) 1991-06-03 2010-04-06 Ewinwin, Inc. Method and system for configuring a set of information including a price and volume schedule for a product
US7818212B1 (en) 1999-10-22 2010-10-19 Ewinwin, Inc. Multiple criteria buying and selling model
US5237662A (en) * 1991-06-27 1993-08-17 Digital Equipment Corporation System and method with a procedure oriented input/output mechanism
US5288976A (en) * 1991-07-15 1994-02-22 Nynex Corporation Bar code use in information, transactional and other system and service applications
US6289322B1 (en) * 1998-03-03 2001-09-11 Checkfree Corporation Electronic bill processing
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
US20030023552A1 (en) * 1991-07-25 2003-01-30 Checkfree Services Corporation Payment processing utilizing alternate account identifiers
WO1993012496A1 (en) * 1991-12-09 1993-06-24 Gem International Network, Inc. Computer imaging system for gemstones
SE470431B (en) * 1992-03-31 1994-02-21 Autoengraving Ab Device for fully automated engraving system
US5493490A (en) * 1992-05-05 1996-02-20 Clear With Computers, Inc. Electronic proposal preparation system for selling vehicles
FR2693643B1 (en) * 1992-05-07 1994-09-09 Feltin Annie Device allowing the automation of mass distribution mainly in a large commercial area.
JP3389270B2 (en) * 1992-05-15 2003-03-24 シンボル テクノロジイズ インコーポレイテッド Small barcode scanner
US5280625A (en) * 1992-06-26 1994-01-18 Hughes Aircraft Company Communication system and method for linking data terminals and their host computers through a satellite or other wide area network
US5334821A (en) * 1992-07-16 1994-08-02 Telxon Corporation Portable point of sale terminal
AUPM461094A0 (en) * 1994-03-21 1994-04-14 Imaging Technologies Pty Limited Electronic ordering system
US5310997A (en) * 1992-09-10 1994-05-10 Tandy Corporation Automated order and delivery system
US5748484A (en) * 1992-09-23 1998-05-05 Onkor, Ltd. System for printing social expression cards in response to electronically transmitted orders
US5552994A (en) * 1992-09-23 1996-09-03 Onkor, Ltd. System for printing social expression cards in response to electronically transmitted orders
CA2100134C (en) * 1992-09-29 1999-06-22 Raymond Otto Colbert Secure credit/debit card authorization
US5267314A (en) * 1992-11-17 1993-11-30 Leon Stambler Secure transaction system and method utilized therein
US5324922A (en) * 1993-02-25 1994-06-28 Verifone, Inc. Apparatus and method for managing transactions
US20030185356A1 (en) 1993-03-12 2003-10-02 Telebuyer, Llc Commercial product telephonic routing system with mobile wireless and video vending capability
US5495284A (en) 1993-03-12 1996-02-27 Katz; Ronald A. Scheduling and processing system for telephone video communication
US7019770B1 (en) 1993-03-12 2006-03-28 Telebuyer, Llc Videophone system for scrutiny monitoring with computer control
US6323894B1 (en) 1993-03-12 2001-11-27 Telebuyer, Llc Commercial product routing system with video vending capability
US5592212A (en) * 1993-04-16 1997-01-07 News Datacom Ltd. Methods and systems for non-program applications for subscriber television
IL119874A (en) * 1993-04-16 1999-05-09 News Datacom Research Ltd Methods and systems for non program applications for subscriber television
ES2078843B1 (en) * 1993-07-26 1997-10-16 Barnatronic S A ELECTRONIC TERMINAL POINT OF SALE.
US5923735A (en) * 1996-05-29 1999-07-13 Symbol Technologies, Inc. Self-service checkout system utilizing portable self-checkout communications terminal
US6243447B1 (en) 1993-08-25 2001-06-05 Symbol Technologies, Inc. Self-service checkout system utilizing portable communications terminal
US20050259797A1 (en) * 1993-08-25 2005-11-24 Symbol Technologies, Inc. Self-service checkout system utilizing portable communications terminal
US6687345B1 (en) 1993-08-25 2004-02-03 Symbol Technologies, Inc. Wireless telephone for acquiring data encoded in bar code indicia
US5940811A (en) * 1993-08-27 1999-08-17 Affinity Technology Group, Inc. Closed loop financial transaction method and apparatus
GB2282906B (en) 1993-10-13 1996-11-06 Dataquill Ltd Data enty systems
US5920847A (en) * 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US6438527B1 (en) 1993-11-01 2002-08-20 Visa International Service Association Method and apparatus for paying bills electronically using machine readable information from an invoice
ATE157791T1 (en) * 1993-11-16 1997-09-15 Opv System I Kalmar Aktiebolag PROCEDURE FOR DISTRIBUTING PRODUCTS FROM SUPPLIERS TO CUSTOMERS
US7044395B1 (en) 1993-11-18 2006-05-16 Digimarc Corporation Embedding and reading imperceptible codes on objects
US6574350B1 (en) 1995-05-08 2003-06-03 Digimarc Corporation Digital watermarking employing both frail and robust watermarks
US5841978A (en) 1993-11-18 1998-11-24 Digimarc Corporation Network linking method using steganographically embedded data objects
US6681028B2 (en) 1995-07-27 2004-01-20 Digimarc Corporation Paper-based control of computer systems
US6681029B1 (en) 1993-11-18 2004-01-20 Digimarc Corporation Decoding steganographic messages embedded in media signals
AU1333895A (en) * 1993-11-30 1995-06-19 Raymond R. Burke Computer system for allowing a consumer to purchase packaged goods at home
DE69431306T2 (en) 1993-12-16 2003-05-15 Open Market Inc NETWORK-BASED PAYMENT SYSTEM AND METHOD FOR USING SUCH A SYSTEM
NO179888C (en) 1993-12-17 1998-05-27 Bellboy International As booking System
US5715298A (en) * 1996-05-16 1998-02-03 Telepay Automated interactive bill payment system using debit cards
WO1995022113A1 (en) * 1994-02-14 1995-08-17 Telepay, Inc. Automated interactive bill payment system
US5870456A (en) * 1997-01-22 1999-02-09 Telepay, Inc. Automated interactive bill payment system using debit cards
US6869023B2 (en) 2002-02-12 2005-03-22 Digimarc Corporation Linking documents through digital watermarking
US6522770B1 (en) 1999-05-19 2003-02-18 Digimarc Corporation Management of documents and other objects using optical devices
US7039214B2 (en) 1999-11-05 2006-05-02 Digimarc Corporation Embedding watermark components during separate printing stages
US7712668B2 (en) 1994-05-25 2010-05-11 Marshall Feature Recognition, Llc Method and apparatus for accessing electronic data via a familiar printed medium
US8910876B2 (en) 1994-05-25 2014-12-16 Marshall Feature Recognition, Llc Method and apparatus for accessing electronic data via a familiar printed medium
US8261993B2 (en) 1994-05-25 2012-09-11 Marshall Feature Recognition, Llc Method and apparatus for accessing electronic data via a familiar printed medium
US6866196B1 (en) 1994-05-25 2005-03-15 Spencer A. Rathus Method and apparatus for accessing electronic data via a familiar printed medium
US5694546A (en) * 1994-05-31 1997-12-02 Reisman; Richard R. System for automatic unattended electronic information transport between a server and a client by a vendor provided transport software with a manifest list
US5553312A (en) * 1994-06-20 1996-09-03 Acs Wireless, Inc. Data transfer and communication network
US5640193A (en) 1994-08-15 1997-06-17 Lucent Technologies Inc. Multimedia service access by reading marks on an object
US6056194A (en) 1995-08-28 2000-05-02 Usa Technologies, Inc. System and method for networking and controlling vending machines
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5717989A (en) * 1994-10-13 1998-02-10 Full Service Trade System Ltd. Full service trade system
US5594789A (en) * 1994-10-13 1997-01-14 Bell Atlantic Network Services, Inc. Transaction implementation in video dial tone network
US8094949B1 (en) 1994-10-21 2012-01-10 Digimarc Corporation Music methods and systems
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5661787A (en) * 1994-10-27 1997-08-26 Pocock; Michael H. System for on-demand remote access to a self-generating audio recording, storage, indexing and transaction system
US6950810B2 (en) 1994-11-28 2005-09-27 Indivos Corporation Tokenless biometric electronic financial transactions via a third party identicator
US7248719B2 (en) 1994-11-28 2007-07-24 Indivos Corporation Tokenless electronic transaction system
US7882032B1 (en) 1994-11-28 2011-02-01 Open Invention Network, Llc System and method for tokenless biometric authorization of electronic communications
US7613659B1 (en) 1994-11-28 2009-11-03 Yt Acquisition Corporation System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
US20040128249A1 (en) 1994-11-28 2004-07-01 Indivos Corporation, A Delaware Corporation System and method for tokenless biometric electronic scrip
US6397198B1 (en) 1994-11-28 2002-05-28 Indivos Corporation Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
US6230148B1 (en) * 1994-11-28 2001-05-08 Veristar Corporation Tokenless biometric electric check transaction
US7631193B1 (en) 1994-11-28 2009-12-08 Yt Acquisition Corporation Tokenless identification system for authorization of electronic transactions and electronic transmissions
US7152045B2 (en) 1994-11-28 2006-12-19 Indivos Corporation Tokenless identification system for authorization of electronic transactions and electronic transmissions
US5664110A (en) * 1994-12-08 1997-09-02 Highpoint Systems, Inc. Remote ordering system
US5536045A (en) * 1994-12-28 1996-07-16 Adams; Thomas W. Debit/credit card system having primary utility in replacing food stamps
US5732400A (en) * 1995-01-04 1998-03-24 Citibank N.A. System and method for a risk-based purchase of goods
US6230970B1 (en) * 1995-06-07 2001-05-15 E-Comm, Incorporated Low-power hand-held transaction device
US6089456A (en) * 1995-06-07 2000-07-18 E-Comm Incorporated Low power telecommunication controller for a host computer server
US5604341A (en) * 1995-03-13 1997-02-18 At&T Global Information Solutions Company ATM as video conferencing station
US7702540B1 (en) 1995-04-26 2010-04-20 Ebay Inc. Computer-implement method and system for conducting auctions on the internet
US7937312B1 (en) 1995-04-26 2011-05-03 Ebay Inc. Facilitating electronic commerce transactions through binding offers
US6590996B1 (en) 2000-02-14 2003-07-08 Digimarc Corporation Color adaptive watermarking
US6728390B2 (en) 1995-05-08 2004-04-27 Digimarc Corporation Methods and systems using multiple watermarks
US6721440B2 (en) 1995-05-08 2004-04-13 Digimarc Corporation Low visibility watermarks using an out-of-phase color
US7805500B2 (en) * 1995-05-08 2010-09-28 Digimarc Corporation Network linking methods and apparatus
US5721832A (en) * 1995-05-12 1998-02-24 Regal Greetings & Gifts Inc. Method and apparatus for an interactive computerized catalog system
USRE38715E1 (en) * 1995-05-16 2005-03-22 Bmc Resources, Inc. Automated interactive bill payment system using debit cards
EP0744856A3 (en) * 1995-05-26 1997-06-25 At & T Corp Apparatus for and method of utilizing product identifier codes to establish communication connections
US7272639B1 (en) 1995-06-07 2007-09-18 Soverain Software Llc Internet server access control and monitoring systems
US5655008A (en) * 1995-06-07 1997-08-05 Dart, Inc. System and method for performing a variety of transactions having distributed decision-making capability
WO1996041446A1 (en) * 1995-06-07 1996-12-19 E-Comm Incorporated System for detecting unauthorized account access
US5742845A (en) 1995-06-22 1998-04-21 Datascape, Inc. System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network
US5790677A (en) 1995-06-29 1998-08-04 Microsoft Corporation System and method for secure electronic commerce transactions
US5794221A (en) 1995-07-07 1998-08-11 Egendorf; Andrew Internet billing method
US7006661B2 (en) 1995-07-27 2006-02-28 Digimarc Corp Digital watermarking systems and methods
US6577746B1 (en) 1999-12-28 2003-06-10 Digimarc Corporation Watermark-based object linking and embedding
US7051086B2 (en) 1995-07-27 2006-05-23 Digimarc Corporation Method of linking on-line data to printed documents
US6311214B1 (en) 1995-07-27 2001-10-30 Digimarc Corporation Linking of computers based on optical sensing of digital data
US6408331B1 (en) 1995-07-27 2002-06-18 Digimarc Corporation Computer linking methods using encoded graphics
US6411725B1 (en) * 1995-07-27 2002-06-25 Digimarc Corporation Watermark enabled video objects
US8379908B2 (en) 1995-07-27 2013-02-19 Digimarc Corporation Embedding and reading codes on objects
US6965682B1 (en) 1999-05-19 2005-11-15 Digimarc Corp Data transmission by watermark proxy
US6788800B1 (en) 2000-07-25 2004-09-07 Digimarc Corporation Authenticating objects using embedded data
US7171018B2 (en) 1995-07-27 2007-01-30 Digimarc Corporation Portable devices and methods employing digital watermarking
US6829368B2 (en) 2000-01-26 2004-12-07 Digimarc Corporation Establishing and interacting with on-line media collections using identifiers in media signals
AUPN447595A0 (en) * 1995-07-31 1995-08-24 Achelles, Peter Remote smart card terminal link
AU724872B2 (en) * 1995-07-31 2000-10-05 Keycorp Services Pty Limited Remote smartcard terminal link
US5878403A (en) 1995-09-12 1999-03-02 Cmsi Computer implemented automated credit application analysis and decision routing system
US7181427B1 (en) * 1995-09-12 2007-02-20 Jp Morgan Chase Bank, N.A. Automated credit application system
US5774670A (en) 1995-10-06 1998-06-30 Netscape Communications Corporation Persistent client state in a hypertext transfer protocol based client-server system
NL1001438C2 (en) * 1995-10-18 1998-02-12 Bartjan Jansen Automatic interactive sales system in public place - allows user to select and order item for later delivery and to make electronic payment
US5758327A (en) * 1995-11-01 1998-05-26 Ben D. Gardner Electronic requisition and authorization process
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
US7647243B2 (en) 1995-11-07 2010-01-12 Ebay Inc. Electronic marketplace system and method for creation of a two-tiered pricing scheme
ITMI952665A1 (en) * 1995-12-19 1997-06-19 Marazzi Ceramica MANAGEMENT METHOD AND ELECTRONIC SYSTEM OF GUIDED SALE OF PRODUCTS IN A STORE
CA2193582A1 (en) * 1995-12-21 1997-06-22 Aidan O'leary Order processing method
US5918213A (en) * 1995-12-22 1999-06-29 Mci Communications Corporation System and method for automated remote previewing and purchasing of music, video, software, and other multimedia products
JP2000504447A (en) 1996-02-01 2000-04-11 イメイジング・テクノロジーズ・プロプライエタリー・リミテッド Improved electronic ordering device and electronic retailing and electronic vending system
AU713314B2 (en) * 1996-02-09 1999-11-25 Citibank, N.A. Invoice purchase order system
US5839104A (en) * 1996-02-20 1998-11-17 Ncr Corporation Point-of-sale system having speech entry and item recognition support system
US6439345B1 (en) * 1996-05-22 2002-08-27 Sears, Roebuck And Co. Item pick-up system
US20030195848A1 (en) 1996-06-05 2003-10-16 David Felger Method of billing a purchase made over a computer network
US8229844B2 (en) 1996-06-05 2012-07-24 Fraud Control Systems.Com Corporation Method of billing a purchase made over a computer network
US7555458B1 (en) 1996-06-05 2009-06-30 Fraud Control System.Com Corporation Method of billing a purchase made over a computer network
AU711785B2 (en) * 1996-06-27 1999-10-21 Mannesmann Aktiengesellschaft Communication system for transmitting accounting instructions
US6249772B1 (en) * 1997-07-08 2001-06-19 Walker Digital, Llc Systems and methods wherein a buyer purchases a product at a first price and acquires the product from a merchant that offers the product for sale at a second price
US7039603B2 (en) * 1996-09-04 2006-05-02 Walker Digital, Llc Settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network
US6970837B1 (en) 1996-09-04 2005-11-29 Walker Digital, Llc Methods and apparatus wherein a buyer arranges to purchase a first product using a communication network and subsequently takes possession of a substitute product at a retailer
US6754636B1 (en) 1996-09-04 2004-06-22 Walker Digital, Llc Purchasing systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network
US20040243478A1 (en) * 1996-09-04 2004-12-02 Walker Jay S. Purchasing, redemption, and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network
US6837436B2 (en) 1996-09-05 2005-01-04 Symbol Technologies, Inc. Consumer interactive shopping system
US7107221B1 (en) 1996-09-05 2006-09-12 Symbol Technologies, Inc. Method and system for presenting item information using a portable data terminal
US7040541B2 (en) 1996-09-05 2006-05-09 Symbol Technologies, Inc. Portable shopping and order fulfillment system
US5930767A (en) * 1997-05-28 1999-07-27 Motorola, Inc. Transaction methods systems and devices
US20030014318A1 (en) * 1996-11-08 2003-01-16 Matthew Byrne International trading system and method
US7143204B1 (en) 1996-11-15 2006-11-28 Logiclink Corporation Method and apparatus for suspending or adjusting billing charge for usage of electrically powered devices if abnormal or halt condition detected
US5901067A (en) * 1996-11-15 1999-05-04 Kim Y. Kao System for interactively selecting and activating groups of electrically powered devices
US5959869A (en) * 1996-12-03 1999-09-28 The Coca-Cola Company Vending machine controller and system
US7587333B1 (en) 1997-08-26 2009-09-08 Walker Digital, Llc Method and apparatus for vending products
US6064987A (en) * 1997-03-21 2000-05-16 Walker Digital, Llc Method and apparatus for providing and processing installment plans at a terminal
US7546277B1 (en) 1997-10-09 2009-06-09 Walker Digital, Llc Method and apparatus for dynamically managing vending machine inventory prices
US7233912B2 (en) 1997-08-26 2007-06-19 Walker Digital, Llc Method and apparatus for vending a combination of products
US5926796A (en) 1997-05-05 1999-07-20 Walker Asset Management Limited Partnership Method and apparatus for selling subscriptions to periodicals in a retail environment
US6980968B1 (en) 1997-03-21 2005-12-27 Walker Digital, Llc Method and apparatus for providing and processing installment plans at a terminal
US6026376A (en) * 1997-04-15 2000-02-15 Kenney; John A. Interactive electronic shopping system and method
US6606603B1 (en) 1997-04-28 2003-08-12 Ariba, Inc. Method and apparatus for ordering items using electronic catalogs
US7117165B1 (en) 1997-04-28 2006-10-03 Ariba, Inc. Operating resource management system
US7162434B1 (en) 1997-05-05 2007-01-09 Walker Digital, Llc Method and apparatus for facilitating the sale of subscriptions to periodicals
US7383200B1 (en) 1997-05-05 2008-06-03 Walker Digital, Llc Method and apparatus for collecting and categorizing data at a terminal
US6076076A (en) * 1997-05-12 2000-06-13 Moore U.S.A., Inc. Prepaid print card system and method
US6829595B2 (en) 1997-06-27 2004-12-07 Valista, Inc. MicroTrac internet billing solutions
US7711604B1 (en) 1997-07-08 2010-05-04 Walker Digital, Llc Retail system for selling products based on a flexible product description
US7107228B1 (en) 1997-07-08 2006-09-12 Walker Digital, Llc Systems and methods wherein a buyer purchases a product at a first price and physically acquires the product at a location associated with a merchant that offers the product for sale at a second price
US20070150354A1 (en) * 1997-07-08 2007-06-28 Walker Jay S Method and apparatus for conducting a transaction based on brand indifference
US8799100B2 (en) 1997-07-08 2014-08-05 Groupon, Inc. Retail system for selling products based on a flexible product description
US7403922B1 (en) 1997-07-28 2008-07-22 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction
US6029154A (en) * 1997-07-28 2000-02-22 Internet Commerce Services Corporation Method and system for detecting fraud in a credit card transaction over the internet
US7096192B1 (en) 1997-07-28 2006-08-22 Cybersource Corporation Method and system for detecting fraud in a credit card transaction over a computer network
US5899980A (en) * 1997-08-11 1999-05-04 Trivnet Ltd. Retail method over a wide area network
AUPO867397A0 (en) * 1997-08-19 1997-09-11 Imaging Technologies Pty Limited Remote electronic retailing
EP0901282B1 (en) 1997-09-03 2006-06-28 Hitachi, Ltd. Method for recording and reproducing electronic watermark information
US20040138992A1 (en) * 1997-09-03 2004-07-15 Defrancesco James Computer implemented automated credit application analysis and decision routing system
JP2001515250A (en) * 1997-09-04 2001-09-18 インターネット カーゴ サービシズ、インコーポレイテッド Remote trading system and method between customer and seller
US6044362A (en) * 1997-09-08 2000-03-28 Neely; R. Alan Electronic invoicing and payment system
US20040167823A1 (en) * 1997-09-08 2004-08-26 Neely Robert Alan Automated electronic payment system
US6016511A (en) * 1997-09-12 2000-01-18 Motorola Inc. Apparatus and method for interfacing protocol application data frame operation requests with a data frame input/output device
US5960411A (en) * 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
US7222087B1 (en) 1997-09-12 2007-05-22 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
AU758001B2 (en) * 1997-09-15 2003-03-13 Mro Software, Inc. Electronic information network for inventory control and transfer
US6304860B1 (en) 1997-10-03 2001-10-16 Joseph B. Martin, Jr. Automated debt payment system and method using ATM network
US7894936B2 (en) 1997-10-09 2011-02-22 Walker Digital, Llc Products and processes for managing the prices of vending machine inventory
US5987426A (en) 1997-10-14 1999-11-16 Ncr Corporation Point-of-sale system including isolation layer between client and server software
US6095413A (en) 1997-11-17 2000-08-01 Automated Transaction Corporation System and method for enhanced fraud detection in automated electronic credit card processing
US6119106A (en) * 1997-11-26 2000-09-12 Mersky; Randy Method and apparatus for facilitating customer payments to creditors from a remote site
DE19754368A1 (en) * 1997-12-08 1999-07-15 Rolf Rockenfeller Online vending machine and operating procedures therefor
US7236942B1 (en) 1997-12-19 2007-06-26 Walker Digital, Llc Pre-sale data broadcast system and method
US7296004B1 (en) * 1997-12-19 2007-11-13 Checkfree Corporation Electronic bill payment system with merchant identification
US20040049457A1 (en) * 1997-12-19 2004-03-11 Garrison David Lee Payment remittance processing when account scheming fails
US9900305B2 (en) 1998-01-12 2018-02-20 Soverain Ip, Llc Internet server access control and monitoring systems
US6804376B2 (en) 1998-01-20 2004-10-12 Digimarc Corporation Equipment employing watermark-based authentication function
US7711690B1 (en) 1998-01-21 2010-05-04 Checkfree Corporation Dual source remittance processing
US6856974B1 (en) * 1998-02-02 2005-02-15 Checkfree Corporation Electronic bill presentment technique with enhanced biller control
US8315909B1 (en) 1998-03-11 2012-11-20 West Corporation Methods and apparatus for intelligent selection of goods and services in point-of-sale commerce
US7364068B1 (en) 1998-03-11 2008-04-29 West Corporation Methods and apparatus for intelligent selection of goods and services offered to conferees
US6055513A (en) 1998-03-11 2000-04-25 Telebuyer, Llc Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce
US7386485B1 (en) 2004-06-25 2008-06-10 West Corporation Method and system for providing offers in real time to prospective customers
US7729945B1 (en) 1998-03-11 2010-06-01 West Corporation Systems and methods that use geographic data to intelligently select goods and services to offer in telephonic and electronic commerce
US7437313B1 (en) 1998-03-11 2008-10-14 West Direct, Llc Methods, computer-readable media, and apparatus for offering users a plurality of scenarios under which to conduct at least one primary transaction
US6182857B1 (en) 1998-12-31 2001-02-06 Doug A. Hamm Office supply vending system and apparatus
US6032145A (en) * 1998-04-10 2000-02-29 Requisite Technology, Inc. Method and system for database manipulation
US6748376B1 (en) 1998-04-10 2004-06-08 Requisite Technology, Inc. Method and system for database manipulation
US5967264A (en) 1998-05-01 1999-10-19 Ncr Corporation Method of monitoring item shuffling in a post-scan area of a self-service checkout terminal
US6122624A (en) * 1998-05-28 2000-09-19 Automated Transaction Corp. System and method for enhanced fraud detection in automated electronic purchases
US6505176B2 (en) 1998-06-12 2003-01-07 First American Credit Management Solutions, Inc. Workflow management system for an automated credit application system
US6144988A (en) * 1998-07-23 2000-11-07 Experian Marketing Solutions, Inc. Computer system and method for securely formatting and mapping data for internet web sites
US7953824B2 (en) 1998-08-06 2011-05-31 Digimarc Corporation Image sensors worn or attached on humans for imagery identification
US7284066B1 (en) 1998-09-11 2007-10-16 Lv Partners, Lp Method and apparatus for matching a user's use profile in commerce with a broadcast
US7900224B1 (en) 1998-09-11 2011-03-01 Rpx-Lv Acquisition Llc Method and apparatus for utilizing an audible signal to induce a user to select an E-commerce function
US6868433B1 (en) 1998-09-11 2005-03-15 L.V. Partners, L.P. Input device having positional and scanning capabilities
US6970914B1 (en) * 1998-09-11 2005-11-29 L. V. Partners, L.P. Method and apparatus for embedding routing information to a remote web site in an audio/video track
US6860424B1 (en) 1998-09-11 2005-03-01 L.V. Partners, L.P. Optical reader and use
US7818423B1 (en) 1998-09-11 2010-10-19 RPX-LV Acquisition, LLC Retrieving personal account information from a web site by reading a credit card
US7191247B1 (en) * 1998-09-11 2007-03-13 Lv Partners, Lp Method for connecting a wireless device to a remote location on a network
US6845388B1 (en) 1998-09-11 2005-01-18 L. V. Partners, L.P. Web site access manual of a character string into a software interface
US6594705B1 (en) 1998-09-11 2003-07-15 Lv Partners, L.P. Method and apparatus for utilizing an audibly coded signal to conduct commerce over the internet
US6725260B1 (en) * 1998-09-11 2004-04-20 L.V. Partners, L.P. Method and apparatus for configuring configurable equipment with configuration information received from a remote location
US7424521B1 (en) 1998-09-11 2008-09-09 Lv Partners, L.P. Method using database for facilitating computer based access to a location on a network after scanning a barcode disposed on a product
US6636896B1 (en) * 1998-09-11 2003-10-21 Lv Partners, L.P. Method and apparatus for utilizing an audibly coded signal to conduct commerce over the internet
US7440993B1 (en) 1998-09-11 2008-10-21 Lv Partners, L.P. Method and apparatus for launching a web browser in response to scanning of product information
US7043536B1 (en) 1998-09-11 2006-05-09 Lv Partners, L.P. Method for controlling a computer using an embedded unique code in the content of CD media
US6823388B1 (en) * 1998-09-11 2004-11-23 L.V. Parners, L.P. Method and apparatus for accessing a remote location with an optical reader having a programmable memory system
US8712835B1 (en) 1998-09-11 2014-04-29 Rpx Corporation Method and apparatus for linking a web browser link to a promotional offer
US6836799B1 (en) 1998-09-11 2004-12-28 L.V. Partners, L.P. Method and apparatus for tracking user profile and habits on a global network
US7010577B1 (en) 1998-09-11 2006-03-07 L. V. Partners, L.P. Method of controlling a computer using an embedded unique code in the content of DVD media
US7493384B1 (en) 1998-09-11 2009-02-17 Rpx-Lv Acquisition Llc Controlling a PC using a tone from a cellular telephone
US6754698B1 (en) * 1998-09-11 2004-06-22 L. V. Partners, L.P. Method and apparatus for accessing a remote location with an optical reader having a dedicated memory system
US6745234B1 (en) 1998-09-11 2004-06-01 Digital:Convergence Corporation Method and apparatus for accessing a remote location by scanning an optical code
US6973438B1 (en) 1998-09-11 2005-12-06 L.V. Partners, L.P. Method and apparatus for delivering information from a remote site on a network based on statistical information
US6629133B1 (en) 1998-09-11 2003-09-30 Lv Partners, L.P. Interactive doll
US6701354B1 (en) 1998-09-11 2004-03-02 L. V. Partners, L.P. Method for interconnecting two locations over a network in response to using a tool
US6791588B1 (en) * 1998-09-11 2004-09-14 L.V. Partners, L.P. Method for conducting a contest using a network
US6636892B1 (en) * 1998-09-11 2003-10-21 Lv Partners, L.P. Method for conducting a contest using a network
US7321941B1 (en) 1998-09-11 2008-01-22 Lv Partners, L.P. Network routing utilizing a product code
US7370114B1 (en) 1998-09-11 2008-05-06 Lv Partners, L.P. Software downloading using a television broadcast channel
US6688522B1 (en) 1998-09-11 2004-02-10 L. V. Partners, L.P. Unique bar code
US7392945B1 (en) * 1998-09-11 2008-07-01 Lv Partners, L.P. Portable scanner for enabling automatic commerce transactions
US6792452B1 (en) 1998-09-11 2004-09-14 L.V. Partners, L.P. Method for configuring a piece of equipment with the use of an associated machine resolvable code
US6701369B1 (en) 1998-09-11 2004-03-02 L.V. Partners, L.P. Method and apparatus for accessing a remote location by sensing a machine-resolvable code
US7493283B1 (en) 1998-09-11 2009-02-17 Rpx-Lv Acquisition Llc Performing an e-commerce transaction from credit card account information retrieved from a credit card company web site
US6829650B1 (en) 1998-09-11 2004-12-07 L. V. Partners, L.P. Method and apparatus for opening and launching a web browser in response to an audible signal
US6961555B1 (en) 1998-09-11 2005-11-01 L.V. Partners, L.P. System and apparatus for connecting a wireless device to a remote location on a network
US6843417B1 (en) 1998-09-11 2005-01-18 L. V. Partners, L.P. Aiming indicia for a bar code and method of use
US6928413B1 (en) 1998-09-11 2005-08-09 L.V. Partners, L.P. Method of product promotion
US6829646B1 (en) * 1999-10-13 2004-12-07 L. V. Partners, L.P. Presentation of web page content based upon computer video resolutions
US6704864B1 (en) 1999-08-19 2004-03-09 L.V. Partners, L.P. Automatic configuration of equipment software
US6526449B1 (en) 1998-09-11 2003-02-25 Digital Convergence Corporation Method and apparatus for controlling a computer from a remote location
US6697949B1 (en) * 1998-09-11 2004-02-24 L.V. Partner, L.P. Method and apparatus for controlling a user's pc through an audio-visual broadcast to archive information in the users pc
US7930213B1 (en) 1998-09-11 2011-04-19 Rpx-Lv Acquisition Llc Method and apparatus for completing, securing and conducting an E-commerce transaction
US6970916B1 (en) 1998-09-11 2005-11-29 L. V. Partners, L.P. Method for conducting a contest using a network
US7159037B1 (en) 1998-09-11 2007-01-02 Lv Partners, Lp Method and apparatus for utilizing an existing product code to issue a match to a predetermined location on a global network
US6615268B1 (en) 1998-09-11 2003-09-02 Lv Partners, L.P. Method for controlling a computer using an embedded unique code in the content of dat media
US6877032B1 (en) * 1998-09-11 2005-04-05 L.V. Partners, L.P. Launching a web site using a portable scanner
US6098106A (en) * 1998-09-11 2000-08-01 Digitalconvergence.Com Inc. Method for controlling a computer with an audio signal
US7536478B2 (en) * 1998-09-11 2009-05-19 Rpx-Lv Acquisition Llc Method and apparatus for opening and launching a web browser in response to an audible signal
US6622165B1 (en) 1998-09-11 2003-09-16 Lv Partners, L.P. Method and apparatus for allowing a remote site to interact with an intermediate database to facilitate access to the remote site
US6631404B1 (en) 1998-09-11 2003-10-07 Lv Partners, L.P. Method and system for conducting a contest using a network
US7228282B1 (en) * 1998-09-11 2007-06-05 Lv Partners, L.P. Method and apparatus for directing an existing product code to a remote location
US7386600B1 (en) * 1998-09-11 2008-06-10 Lv Partners, L.P. Launching a web site using a personal device
US6643692B1 (en) 1998-09-11 2003-11-04 Lv Partners, L.P. Method for controlling a computer using an embedded unique code in the content of video tape media
US8028036B1 (en) 1998-09-11 2011-09-27 Rpx-Lv Acquisition Llc Launching a web site using a passive transponder
US7392312B1 (en) 1998-09-11 2008-06-24 Lv Partners, L.P. Method for utilizing visual cue in conjunction with web access
US7379901B1 (en) 1998-09-11 2008-05-27 Lv Partners, L.P. Accessing a vendor web site using personal account information retrieved from a credit card company web site
US7117240B1 (en) 1998-09-11 2006-10-03 Lv Partners, Lp Method and apparatus for launching a web site with non-standard control input device
US6708208B1 (en) 1998-09-11 2004-03-16 L.V. Partners, L.P. Unique bar code for indicating a link between a product and a remote location on a web network
US6826592B1 (en) 1998-09-11 2004-11-30 L.V. Partners, L.P. Digital ID for selecting web browser and use preferences of a user during use of a web application
US7792696B1 (en) 1998-09-11 2010-09-07 RPX-LV Acquisition, LLC Method and apparatus for allowing a broadcast to remotely control a computer
US6757715B1 (en) * 1998-09-11 2004-06-29 L.V. Partners, L.P. Bar code scanner and software interface interlock for performing encrypted handshaking and for disabling the scanner in case of handshaking operation failure
US6384744B1 (en) 1998-09-11 2002-05-07 Digital:Convergence Corp. Method and system for data transmission from an optical reader
US6216115B1 (en) * 1998-09-28 2001-04-10 Benedicto Barrameda Method for multi-directional consumer purchasing, selling, and transaction management
JP2000164050A (en) * 1998-11-27 2000-06-16 Sumitomo Wiring Syst Ltd Assembling works supporting system for wire harness
CA2291920A1 (en) * 1998-12-11 2000-06-11 Karuna Ganesan Technique for conducting secure transactions over a network
US7826923B2 (en) 1998-12-22 2010-11-02 Walker Digital, Llc Products and processes for vending a plurality of products
JP2002533847A (en) * 1998-12-29 2002-10-08 シンボル テクノロジーズ インコーポレイテッド Compact barcode scanner
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US6286758B1 (en) 1999-02-17 2001-09-11 Ncr Corporation Reconfigurable checkout system
US6856964B1 (en) 1999-03-22 2005-02-15 Ncr Corporation System and methods for integrating a self-checkout system into an existing store system
GB2348996A (en) * 1999-04-13 2000-10-18 Eric Rippingale Electronic ordering apparatus
EP1049056A3 (en) * 1999-04-26 2001-06-13 CheckFree Corporation Electronic bill presentment and/or payment clearinghouse
US6678664B1 (en) 1999-04-26 2004-01-13 Checkfree Corporation Cashless transactions without credit cards, debit cards or checks
AUPQ010299A0 (en) * 1999-05-03 1999-05-27 Fast 101 Pty Ltd Improvements in or relating to trading and settlement
US20110213648A1 (en) 1999-05-12 2011-09-01 Ewinwin, Inc. e-COMMERCE VOLUME PRICING
US7689469B1 (en) 1999-05-12 2010-03-30 Ewinwin, Inc. E-commerce volume pricing
US8290824B1 (en) 1999-05-12 2012-10-16 Ewinwin, Inc. Identifying incentives for a qualified buyer
US8626605B2 (en) 1999-05-12 2014-01-07 Ewinwin, Inc. Multiple criteria buying and selling model
AU4981400A (en) 1999-05-12 2000-12-05 Ewinwin, Inc. Multiple criteria buying and selling model, and system for managing open offer sheets
US8140402B1 (en) 2001-08-06 2012-03-20 Ewinwin, Inc. Social pricing
US8311896B2 (en) 1999-05-12 2012-11-13 Ewinwin, Inc. Multiple criteria buying and selling model
US7181419B1 (en) 2001-09-13 2007-02-20 Ewinwin, Inc. Demand aggregation system
US7593871B1 (en) 2004-06-14 2009-09-22 Ewinwin, Inc. Multiple price curves and attributes
US8732018B2 (en) 1999-05-12 2014-05-20 Ewinwin, Inc. Real-time offers and dynamic price adjustments presented to mobile devices
US7111170B2 (en) * 1999-05-19 2006-09-19 Digimarc Corporation Distributed system for responding to watermarked documents
AU5497400A (en) * 1999-06-22 2001-01-09 Walker Digital, Llc Method and apparatus for conducting a transaction based on brand indifference
US8103542B1 (en) 1999-06-29 2012-01-24 Digimarc Corporation Digitally marked objects and promotional methods
WO2001003087A1 (en) 1999-06-30 2001-01-11 Walker Digital, Llc Vending machine system and method for encouraging the purchase of profitable items
JP2001160105A (en) 1999-09-22 2001-06-12 Sony Corp Information processing system, portable telephone set, and information processing method
US7127427B1 (en) 1999-10-05 2006-10-24 Andrew Casper Secure transaction processing system and method
US6510414B1 (en) 1999-10-05 2003-01-21 Cisco Technology, Inc. Speech recognition assisted data entry system and method
US20030158738A1 (en) * 1999-11-01 2003-08-21 Carolyn Crosby System and method for providing travel service information based upon a speech-based request
US6409081B1 (en) 1999-11-02 2002-06-25 Ncr Corporation Apparatus and method for operating a checkout system having an item set-aside shelf which is movable between a number of shelf positions
US6296185B1 (en) 1999-11-02 2001-10-02 Ncr Corporation Apparatus and method for operating a checkout system having a display monitor which displays both transaction information and customer-specific messages during a checkout transaction
US6296184B1 (en) 1999-11-02 2001-10-02 Ncr Corporation Apparatus and method for operating a checkout system having a security scale for providing security during an assisted checkout transaction
US6540137B1 (en) 1999-11-02 2003-04-01 Ncr Corporation Apparatus and method for operating a checkout system which has a number of payment devices for tendering payment during an assisted checkout transaction
US6530520B1 (en) 1999-11-02 2003-03-11 Ncr Corporation Apparatus and method for operating a checkout system having an RF transmitter for communicating to a receiver associated with an intercom system
US6390363B1 (en) 1999-11-02 2002-05-21 Ncr Corporation Apparatus and method for operating convertible checkout system which has a customer side and a personnel side
US6427915B1 (en) 1999-11-02 2002-08-06 Ncr Corporation Method of operating checkout system having modular construction
US6502749B1 (en) 1999-11-02 2003-01-07 Ncr Corporation Apparatus and method for operating a checkout system having an RF transmitter for communicating to a number of wireless personal pagers
US6354497B1 (en) 1999-11-02 2002-03-12 Ncr Corporation Apparatus and method for operating a checkout system having a number of interface terminals associated therewith
US6343739B1 (en) 1999-11-02 2002-02-05 Ncr Corporation Apparatus and method for operating a checkout system having a video camera for enhancing security during operation thereof
US6213395B1 (en) 1999-11-02 2001-04-10 Ncr Corporation Apparatus and method for operating a checkout system having a scanner which is rotatable between an assisted scanner position and a self-service scanner position
US6427914B1 (en) 1999-11-02 2002-08-06 Ncr Corporation Apparatus and method for operating a checkout system having a number of port expander devices associated therewith
US6876991B1 (en) 1999-11-08 2005-04-05 Collaborative Decision Platforms, Llc. System, method and computer program product for a collaborative decision platform
US6608919B1 (en) 1999-11-10 2003-08-19 Digimarc Corporation Method and apparatus for encoding paper with information
US7257536B1 (en) * 1999-11-23 2007-08-14 Radiant Systems, Inc. Audio request interaction system
US7603311B1 (en) 1999-11-29 2009-10-13 Yadav-Ranjan Rani K Process and device for conducting electronic transactions
US7110952B2 (en) * 1999-12-07 2006-09-19 Kursh Steven R Computer accounting method using natural language speech recognition
US20020010598A1 (en) * 1999-12-18 2002-01-24 Johnson Jerome Dale System and method for providing configuration and sales information to assist in the development of insurance plans
US9727916B1 (en) 1999-12-30 2017-08-08 Chicago Board Options Exchange, Incorporated Automated trading exchange system having integrated quote risk monitoring and integrated quote modification services
US7356498B2 (en) 1999-12-30 2008-04-08 Chicago Board Options Exchange, Incorporated Automated trading exchange system having integrated quote risk monitoring and integrated quote modification services
US8036978B1 (en) * 1999-12-31 2011-10-11 Pitney Bowes Inc. Method of upgrading third party functionality in an electronic fraud management system
US7255200B1 (en) * 2000-01-06 2007-08-14 Ncr Corporation Apparatus and method for operating a self-service checkout terminal having a voice generating device associated therewith
CA2396266C (en) * 2000-01-12 2007-03-13 Metavante Corporation Integrated systems for electronic bill presentment and payment
US20010037295A1 (en) * 2000-01-31 2001-11-01 Olsen Karl R. Push model internet bill presentment and payment system and method
WO2001057766A2 (en) * 2000-02-04 2001-08-09 General Electric Company Method for providing automatic display of prior order history over a computer network
US6625297B1 (en) 2000-02-10 2003-09-23 Digimarc Corporation Self-orienting watermarks
US6839683B1 (en) 2000-02-15 2005-01-04 Walker Digital, Llc Systems and methods using a representation of a stored benefit to facilitate a transaction
US20020038277A1 (en) * 2000-02-22 2002-03-28 Yuan Frank S. Innovative financing method and system therefor
US20020165771A1 (en) * 2001-05-07 2002-11-07 Walker Jay S. Method and apparatus for establishing prices for a plurality of products
US7627498B1 (en) 2000-02-24 2009-12-01 Walker Jay S System and method for utilizing redemption information
US7430540B1 (en) * 2000-03-13 2008-09-30 Karim Asani System and method for safe financial transactions in E.Commerce
AT409311B (en) * 2000-03-16 2002-07-25 Tbt Tech Buero Elektronik Gmbh SYSTEM FOR REMOTE BOOKING OF ORDERS
US8706618B2 (en) 2005-09-29 2014-04-22 Ebay Inc. Release of funds based on criteria
DE10195918T1 (en) 2000-03-17 2003-04-03 Ebay Inc Method and device for facilitating payment transactions in a network-based transaction device using various payment instruments
US7499875B1 (en) 2000-03-17 2009-03-03 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
SE519655C2 (en) * 2000-03-31 2003-03-25 Megamec Com Beneficial Trust Payment and information systems
US7848972B1 (en) 2000-04-06 2010-12-07 Metavante Corporation Electronic bill presentment and payment systems and processes
US7027614B2 (en) 2000-04-19 2006-04-11 Digimarc Corporation Hiding information to reduce or offset perceptible artifacts
US6804377B2 (en) 2000-04-19 2004-10-12 Digimarc Corporation Detecting information hidden out-of-phase in color channels
US7111168B2 (en) 2000-05-01 2006-09-19 Digimarc Corporation Digital watermarking systems
US7734543B2 (en) * 2000-05-09 2010-06-08 Metavante Corporation Electronic bill presentment and payment system
GB2368422B (en) * 2000-05-10 2003-03-26 Sony Corp Electronic settlement system, settlement management device, store device, client, data storage device, computer program, and storage medium
US7188080B1 (en) 2000-05-12 2007-03-06 Walker Digital, Llc Systems and methods wherin a buyer purchases products in a plurality of product categories
DE10025137A1 (en) * 2000-05-20 2001-11-22 Alcatel Sa Method and device for configuring services in a telecommunications network
WO2001093167A1 (en) 2000-05-31 2001-12-06 Indivos Corporation Biometric financial transaction system and method
US9165323B1 (en) 2000-05-31 2015-10-20 Open Innovation Network, LLC Biometric transaction system and method
US7415425B1 (en) * 2000-06-02 2008-08-19 Walker Digital, Llc Systems and methods wherein a security deposit facilitates a transaction in which a benefit is applied in exchange for performance of a task
US7206768B1 (en) 2000-08-14 2007-04-17 Jpmorgan Chase Bank, N.A. Electronic multiparty accounts receivable and accounts payable system
US6868523B1 (en) 2000-08-16 2005-03-15 Ncr Corporation Audio/visual method of browsing web pages with a conventional telephone interface
US7218991B2 (en) 2000-08-22 2007-05-15 Walker Digital, Llc System for vending physical and information items
JP2002074090A (en) * 2000-08-29 2002-03-12 Mori Seiki Co Ltd Network system
US8027892B2 (en) 2001-03-28 2011-09-27 International Business Machines Corporation System and method for automating invoice processing with positive confirmation
US7155403B2 (en) * 2001-03-22 2006-12-26 International Business Machines Corporation System and method for leveraging procurement across companies and company groups
US7283976B2 (en) * 2001-03-22 2007-10-16 International Business Machines Corporation System and method for invoice imaging through negative confirmation process
US7197480B1 (en) * 2000-09-07 2007-03-27 International Business Machines Corporation System and method for front end business logic and validation
US7386495B2 (en) * 2001-03-23 2008-06-10 International Business Machines Corporation System and method for processing tax codes by company group
US7356496B2 (en) * 2001-03-22 2008-04-08 International Business Machines Corporation System and method for synchronizing ledger accounts by company group
JP2002128246A (en) * 2000-10-24 2002-05-09 Nec Corp Product repair and management system
US7845554B2 (en) 2000-10-30 2010-12-07 Fujitsu Frontech North America, Inc. Self-checkout method and apparatus
US8145567B2 (en) 2000-10-31 2012-03-27 Wells Fargo Bank, N.A. Transaction ID system and process
US7333953B1 (en) 2000-10-31 2008-02-19 Wells Fargo Bank, N.A. Method and apparatus for integrated payments processing and decisioning for internet transactions
US20020115449A1 (en) * 2000-12-06 2002-08-22 Gregory Allen Electronic information delivery system and process including supplying of information about locations visited by users of portable identification cards
US20020073027A1 (en) * 2000-12-11 2002-06-13 Hui Helen Shan-Shan Mobile payment system
US20020077934A1 (en) * 2000-12-15 2002-06-20 Pichai Prabhu Shankar Network-based method and system for configuring terminal blocks
US7702579B2 (en) * 2000-12-19 2010-04-20 Emergis Technologies, Inc. Interactive invoicer interface
US20020087468A1 (en) * 2000-12-28 2002-07-04 Ravi Ganesan Electronic payment risk processing
WO2002056140A2 (en) * 2001-01-15 2002-07-18 Ipower Logistics, Llc Buyer managed order transmitting system and method
CA2333342A1 (en) * 2001-01-31 2002-07-31 Curomax Corporation Automotive finance portal
US7558742B2 (en) 2001-02-02 2009-07-07 Fujitsu Transaction Solutions, Inc. Multi-device supervisor support for self-checkout systems
US7243077B2 (en) * 2001-03-02 2007-07-10 International Business Machines Corporation Method and computer program product for managing an internet trading network
US7340419B2 (en) 2001-03-15 2008-03-04 Walker Digital, Llc Method and apparatus for product display
US6805290B2 (en) * 2001-03-15 2004-10-19 Walker Digital, Llc Process and product for enforcing purchase agreements
US7293703B2 (en) * 2001-03-15 2007-11-13 Walker Digital, Llc Apparatus and methods for enforcing purchase agreements
US20020133408A1 (en) * 2001-03-15 2002-09-19 Walker Jay S. Process and product for promoting a product
US20020133426A1 (en) * 2001-03-15 2002-09-19 Walker Jay S. Method and apparatus for promoting a product
US6899273B2 (en) * 2001-05-02 2005-05-31 Hand Held Products, Inc. Optical reader comprising soft key including permanent graphic indicia
US7739162B1 (en) 2001-05-04 2010-06-15 West Corporation System, method, and business method for setting micropayment transaction to a pre-paid instrument
AUPR486301A0 (en) * 2001-05-09 2001-05-31 Flurosolutions Pty Ltd A payment system
US6988073B2 (en) * 2001-05-10 2006-01-17 International Business Machines Corporation Method, system, and product for facilitating international travel with respect to immigration
US7865427B2 (en) 2001-05-30 2011-01-04 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction
US20030004929A1 (en) * 2001-06-15 2003-01-02 Julian Arnold James Method and apparatus for a computer-implemented system for the maintainence of a business relationship between a seller and a buyer
US20030004735A1 (en) * 2001-06-29 2003-01-02 International Business Machines Corporation Facilitating international customs planning and clearance with respect to customs clearance
US6588549B2 (en) 2001-07-06 2003-07-08 Ncr Corporation Checkout system convertible between assisted and non-assisted configurations
SE0102506D0 (en) * 2001-07-13 2001-07-13 Anoto Ab Electronic pen catalog ordering system and method of using the catalog to stimulate electronic pen use
US6721956B2 (en) * 2001-07-17 2004-04-13 Scientific-Atlanta, Inc. Interactive information services system and associated method for capturing transaction data
US7426514B2 (en) * 2001-07-26 2008-09-16 International Business Machines Corporation Method, system, and computer program product for facilitating international customs planning
US20070078787A1 (en) * 2001-08-17 2007-04-05 Randy Mersky Method and apparatus for conducting transactions over a network
US7296003B2 (en) 2001-08-17 2007-11-13 Globex Financial Services, Inc. Method and apparatus for facilitating manual payments for transactions conducted over a network
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
US7370014B1 (en) 2001-11-01 2008-05-06 Metavante Corporation Electronic bill presentment and payment system that obtains user bill information from biller web sites
US7958049B2 (en) * 2001-11-01 2011-06-07 Metavante Corporation System and method for obtaining customer bill information and facilitating bill payment at biller websites
US7370044B2 (en) 2001-11-19 2008-05-06 Equifax, Inc. System and method for managing and updating information relating to economic entities
CA2470094C (en) 2001-12-18 2007-12-04 Digimarc Id Systems, Llc Multiple image security features for identification documents and methods of making same
US7728048B2 (en) 2002-12-20 2010-06-01 L-1 Secure Credentialing, Inc. Increasing thermal conductivity of host polymer used with laser engraving methods and compositions
CA2470600C (en) 2001-12-24 2009-12-22 Digimarc Id Systems, Llc Systems, compositions, and methods for full color laser engraving of id documents
CA2471457C (en) 2001-12-24 2011-08-02 Digimarc Id Systems, Llc Covert variable information on id documents and methods of making same
US7694887B2 (en) 2001-12-24 2010-04-13 L-1 Secure Credentialing, Inc. Optically variable personalized indicia for identification documents
US7499879B2 (en) * 2002-01-30 2009-03-03 International Business Machines Corporation Cooperative e-business complex
US7110987B2 (en) * 2002-02-22 2006-09-19 At&T Wireless Services, Inc. Secure online purchasing
US7007000B2 (en) * 2002-02-22 2006-02-28 At&T Wireless Services, Inc. Secure online purchasing
WO2003079157A2 (en) * 2002-03-14 2003-09-25 Payment Engineering Llc A method and system for depositing federal tax payments
US6798353B2 (en) * 2002-04-24 2004-09-28 Itron Electricity Metering, Inc. Method of using flash memory for storing metering data
US8751384B2 (en) * 2002-05-08 2014-06-10 Metavante Corporation Integrated bill presentment and payment system and method of operating the same
US8799157B1 (en) 2002-05-08 2014-08-05 Metavante Corporation Business combined bill management system and method
US7824029B2 (en) 2002-05-10 2010-11-02 L-1 Secure Credentialing, Inc. Identification card printer-assembler for over the counter card issuing
JP2005526323A (en) * 2002-05-17 2005-09-02 フジツー トランスアクション ソリューションズ インコーポレイション Self-checkout method and apparatus
US7263347B2 (en) * 2002-05-24 2007-08-28 Cingular Wireless Ii, Llc Biometric authentication of a wireless device user
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US7593891B2 (en) 2003-05-30 2009-09-22 Experian Scorex Llc Credit score simulation
US7610229B1 (en) 2002-05-30 2009-10-27 Experian Information Solutions, Inc. System and method for interactively simulating a credit-worthiness score
US7899707B1 (en) 2002-06-18 2011-03-01 Ewinwin, Inc. DAS predictive modeling and reporting function
US20040015395A1 (en) * 2002-07-21 2004-01-22 Charles Acosta Method and system of generating an incentive at a point of sale
US20040044961A1 (en) * 2002-08-28 2004-03-04 Leonid Pesenson Method and system for transformation of an extensible markup language document
US7689463B1 (en) 2002-08-28 2010-03-30 Ewinwin, Inc. Multiple supplier system and method for transacting business
US7729984B1 (en) 2002-09-27 2010-06-01 Abas Enterprises Llc Effecting financial transactions
US6715672B1 (en) 2002-10-23 2004-04-06 Donald Tetro System and method for enhanced fraud detection in automated electronic credit card processing
US20040088235A1 (en) * 2002-11-01 2004-05-06 Ziekle William D. Technique for customizing electronic commerce user
US20040133509A1 (en) * 2002-11-01 2004-07-08 Mccoy Randal A. Technique for making payments for a non-subscriber payor
US7526448B2 (en) * 2002-11-01 2009-04-28 Checkfree Corporation Matching consumers with billers having bills available for electronic presentment
US8073773B2 (en) * 2002-11-01 2011-12-06 Checkfree Corporation Technique for identifying probable billers of a consumer
US20040133513A1 (en) * 2002-11-01 2004-07-08 Mccoy Randal Identity protection technique in matching consumers with electronic billers
US20040133515A1 (en) * 2002-11-01 2004-07-08 Mccoy Randal A. Distributed matching of consumers with billers having bills available for electronic presentment
US7395243B1 (en) 2002-11-01 2008-07-01 Checkfree Corporation Technique for presenting matched billers to a consumer
US7729996B2 (en) * 2002-11-01 2010-06-01 Checkfree Corporation Reuse of an EBP account through alternate authentication
US20040139011A1 (en) * 2002-11-01 2004-07-15 Kozee Casey W. Technique for identifying probable payees of a consumer
US7804982B2 (en) 2002-11-26 2010-09-28 L-1 Secure Credentialing, Inc. Systems and methods for managing and detecting fraud in image databases used with identification documents
US7712673B2 (en) 2002-12-18 2010-05-11 L-L Secure Credentialing, Inc. Identification document with three dimensional image of bearer
AU2003303393A1 (en) * 2002-12-20 2004-07-22 Kip Systems Automated sales center
US8306908B1 (en) 2002-12-31 2012-11-06 West Corporation Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce
US20040135805A1 (en) * 2003-01-10 2004-07-15 Gottsacker Neal F. Document composition system and method
US20040153359A1 (en) * 2003-01-31 2004-08-05 Mein-Kai Ho Integrated supply chain management
US20120265590A1 (en) * 2003-02-20 2012-10-18 Mesaros Gregory J Flexible ship schedules and demand aggregation
US8712857B1 (en) 2003-03-31 2014-04-29 Tuxis Technologies Llc Methods and apparatus for intelligent selection of goods and services in mobile commerce
FR2853442A1 (en) * 2003-04-01 2004-10-08 Dev Du Commerce Informatise Sd Computerized sales port for shopkeeper, has processing unit with catalogue realized in form of program records, and editing system that edits technical and descriptive files of products and/or purchase order and/or bar codes
US20040210520A1 (en) * 2003-04-02 2004-10-21 Fitzgerald Daleen R. Bill payment payee information management system and method
DE602004030434D1 (en) 2003-04-16 2011-01-20 L 1 Secure Credentialing Inc THREE-DIMENSIONAL DATA STORAGE
US20040215560A1 (en) * 2003-04-25 2004-10-28 Peter Amalraj Integrated payment system and method
US8930263B1 (en) 2003-05-30 2015-01-06 Consumerinfo.Com, Inc. Credit data analysis
US8590785B1 (en) 2004-06-15 2013-11-26 Ewinwin, Inc. Discounts in a mobile device
US7364086B2 (en) 2003-06-16 2008-04-29 Ewinwin, Inc. Dynamic discount card tied to price curves and group discounts
US20050027622A1 (en) 2003-07-30 2005-02-03 Walker Jay S. Products and processes for vending a plurality of products via defined groups
WO2005010731A2 (en) * 2003-07-31 2005-02-03 Dealertrack, Inc. Integrated electronic credit application, contracting and securitization system and method
US20050038739A1 (en) * 2003-08-13 2005-02-17 Ncr Corporation Methods of processing payment in an electronic commercial transaction and a payment consolidator therefor
US7593876B2 (en) 2003-10-15 2009-09-22 Jp Morgan Chase Bank System and method for processing partially unstructured data
US10332190B1 (en) 2004-01-30 2019-06-25 Jpmorgan Chase Bank, N.A. System and method for trade payment exchange
US7744002B2 (en) 2004-03-11 2010-06-29 L-1 Secure Credentialing, Inc. Tamper evident adhesive and identification document including same
US9003548B2 (en) 2004-04-13 2015-04-07 Nl Systems, Llc Method and system for digital rights management of documents
US7584869B2 (en) 2004-04-15 2009-09-08 Redbox Automated Retail, Llc Article dispensing system and method for same
US7447605B2 (en) 2004-04-15 2008-11-04 Redbox Automated Retail, Llc System and method for calibrating a vending apparatus
US7366586B2 (en) 2005-04-22 2008-04-29 Redbox Automated Retail Llc. System and method for communicating vending information
EP1589448A3 (en) * 2004-04-21 2005-11-02 Sap Ag A data processing method, system and computer program
US7377037B2 (en) * 2004-05-25 2008-05-27 General Electric Company Fillet machining method without adaptive probing
US8606697B2 (en) 2004-06-17 2013-12-10 Visa International Service Association Method and system for providing buyer bank payable discounting services
US8626730B2 (en) * 2004-06-28 2014-01-07 Sap Ag Data processing methods, systems and computer programs for providing a payment using a web service
US7904306B2 (en) 2004-09-01 2011-03-08 Search America, Inc. Method and apparatus for assessing credit for healthcare patients
US8732004B1 (en) 2004-09-22 2014-05-20 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US7178720B1 (en) 2004-09-30 2007-02-20 West Corporation Methods, computer-readable media, and computer program product for intelligent selection of items encoded onto portable machine-playable entertainment media
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US20060195396A1 (en) * 2005-02-28 2006-08-31 Checkfree Corporation Centralized customer care for electronic payments and other transactions via a wide area communications network
US20060195395A1 (en) * 2005-02-28 2006-08-31 Checkfree Corporation Facilitating electronic payment on behalf of a customer of electronic presented bills
US20060195397A1 (en) * 2005-02-28 2006-08-31 Checkfree Corporation Centralized electronic bill presentment
US8060247B2 (en) 2005-04-22 2011-11-15 Redbox Automated Retail, Llc System and method for communicating secondary vending options
US8239682B2 (en) 2005-09-28 2012-08-07 Nl Systems, Llc Method and system for digital rights management of documents
US7225093B1 (en) * 2005-11-21 2007-05-29 Agilent Technologies, Inc. System and method for generating triggers based on predetermined trigger waveform and a measurement signal
US7885890B2 (en) * 2006-01-17 2011-02-08 Hsbc Finance Corporation System for authorizing credit use
US7711636B2 (en) 2006-03-10 2010-05-04 Experian Information Solutions, Inc. Systems and methods for analyzing data
US11887175B2 (en) 2006-08-31 2024-01-30 Cpl Assets, Llc Automatically determining a personalized set of programs or products including an interactive graphical user interface
US8799148B2 (en) 2006-08-31 2014-08-05 Rohan K. K. Chandran Systems and methods of ranking a plurality of credit card offers
US8036979B1 (en) 2006-10-05 2011-10-11 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US7702585B2 (en) * 2006-11-30 2010-04-20 Checkfree Corporation Methods and systems for the determination and display of payment lead time in an electronic payment system
US20080133407A1 (en) * 2006-11-30 2008-06-05 Checkfree Corporation Methods and Systems for Determining and Displaying Payment Options in an Electronic Payment System
US8606626B1 (en) 2007-01-31 2013-12-10 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US8606666B1 (en) 2007-01-31 2013-12-10 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US20080294540A1 (en) 2007-05-25 2008-11-27 Celka Christopher J System and method for automated detection of never-pay data sets
US9690820B1 (en) 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US8768789B2 (en) 2012-03-07 2014-07-01 Redbox Automated Retail, Llc System and method for optimizing utilization of inventory space for dispensable articles
US9886809B2 (en) 2007-09-28 2018-02-06 Redbox Automated Retail, Llc Article dispensing machine and method for auditing inventory while article dispensing machine remains operational
US8712872B2 (en) 2012-03-07 2014-04-29 Redbox Automated Retail, Llc System and method for optimizing utilization of inventory space for dispensable articles
US7962404B1 (en) 2007-11-07 2011-06-14 Experian Information Solutions, Inc. Systems and methods for determining loan opportunities
US7996521B2 (en) 2007-11-19 2011-08-09 Experian Marketing Solutions, Inc. Service for mapping IP addresses to user segments
SI2085000T1 (en) 2008-01-29 2012-05-31 Kraft Foods R & D Inc Coffee brewer and a corresponding network-based method and apparatus
US20090271248A1 (en) * 2008-03-27 2009-10-29 Experian Information Solutions, Inc. Precalculation of trending attributes
US7991689B1 (en) 2008-07-23 2011-08-02 Experian Information Solutions, Inc. Systems and methods for detecting bust out fraud using credit data
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US8412593B1 (en) 2008-10-07 2013-04-02 LowerMyBills.com, Inc. Credit card matching
US8244646B2 (en) 2009-06-09 2012-08-14 Fiserv, Inc. Systems and methods for determining estimated lead times
US20100174638A1 (en) 2009-01-06 2010-07-08 ConsumerInfo.com Report existence monitoring
TWI392404B (en) * 2009-04-02 2013-04-01 Unimicron Technology Corp Circuit board and manufacturing method thereof
US20100312715A1 (en) * 2009-06-09 2010-12-09 Fiserv, Inc. Systems and Methods for Selecting Delivery Methods
US8996162B2 (en) 2009-09-05 2015-03-31 Redbox Automated Retail, Llc Article vending machine and method for exchanging an inoperable article for an operable article
US9104990B2 (en) 2009-09-05 2015-08-11 Redbox Automated Retail, Llc Article vending machine and method for exchanging an inoperable article for an operable article
US8788429B2 (en) * 2009-12-30 2014-07-22 First Data Corporation Secure transaction management
US9652802B1 (en) 2010-03-24 2017-05-16 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US8538581B2 (en) 2010-09-03 2013-09-17 Redbox Automated Retail, Llc Article vending machine and method for authenticating received articles
US9569911B2 (en) 2010-08-23 2017-02-14 Redbox Automated Retail, Llc Secondary media return system and method
US8930262B1 (en) 2010-11-02 2015-01-06 Experian Technology Ltd. Systems and methods of assisted strategy design
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
RU2589395C2 (en) 2011-04-22 2016-07-10 Пепсико, Инк. Dispensing system for beverages with social services capabilities
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
WO2012174171A2 (en) 2011-06-14 2012-12-20 Redbox Automated Retail, Llc System and method for substituting a media article with alternative media
CA2842293C (en) 2011-07-20 2019-10-22 Redbox Automated Retail, Llc System and method for providing the identification of geographically closest article dispensing machines
WO2013019818A2 (en) 2011-08-02 2013-02-07 Redbox Automated Retail, Llc System and method for generating notifications related to new media
US9286617B2 (en) 2011-08-12 2016-03-15 Redbox Automated Retail, Llc System and method for applying parental control limits from content providers to media content
US9218704B2 (en) 2011-11-01 2015-12-22 Pepsico, Inc. Dispensing system and user interface
US9747253B2 (en) 2012-06-05 2017-08-29 Redbox Automated Retail, Llc System and method for simultaneous article retrieval and transaction validation
US9916621B1 (en) 2012-11-30 2018-03-13 Consumerinfo.Com, Inc. Presentation of credit score factors
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US9697263B1 (en) 2013-03-04 2017-07-04 Experian Information Solutions, Inc. Consumer data request fulfillment system
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US9680916B2 (en) 2013-08-01 2017-06-13 Flowtraq, Inc. Methods and systems for distribution and retrieval of network traffic records
US11107023B2 (en) 2013-12-20 2021-08-31 Ebay Inc. Managed inventory
US11030571B2 (en) 2013-12-20 2021-06-08 Ebay Inc. Managed inventory
US10262362B1 (en) 2014-02-14 2019-04-16 Experian Information Solutions, Inc. Automatic generation of code for attributes
US9712714B2 (en) 2014-04-30 2017-07-18 Wal-Mart Stores, Inc. Digital watermark feature for device to device duplication of a digital receipt
US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US10430858B1 (en) * 2014-12-31 2019-10-01 Ebay Inc. E-commerce replacement or replenishment of consumable
WO2016172474A1 (en) 2015-04-24 2016-10-27 Encryptics, Llc System and method for enhanced data protection
US11410230B1 (en) 2015-11-17 2022-08-09 Consumerinfo.Com, Inc. Realtime access and control of secure regulated data
US10757154B1 (en) 2015-11-24 2020-08-25 Experian Information Solutions, Inc. Real-time event-based notification system
CN116205724A (en) 2017-01-31 2023-06-02 益百利信息解决方案公司 Large scale heterogeneous data ingestion and user resolution
US10735183B1 (en) 2017-06-30 2020-08-04 Experian Information Solutions, Inc. Symmetric encryption for private smart contracts among multiple parties in a private peer-to-peer network
US20200074541A1 (en) 2018-09-05 2020-03-05 Consumerinfo.Com, Inc. Generation of data structures based on categories of matched data items
WO2020146667A1 (en) 2019-01-11 2020-07-16 Experian Information Solutions, Inc. Systems and methods for secure data aggregation and computation

Family Cites Families (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3292489A (en) * 1964-07-09 1966-12-20 Ibm Hierarchical search system
JPS5551390B1 (en) * 1969-04-10 1980-12-24
US4115870A (en) * 1976-11-18 1978-09-19 Wordsmith, Inc. Hand-held data processing terminal
ATE5282T1 (en) * 1979-01-16 1983-11-15 British Broadcasting Corporation ELECTRONIC CONTROL OR DATA TRANSMISSION SYSTEM WITH A TWO DIMENSIONAL DISPLAY, SUCH AS A CATHODE RAY TUBE.
US4415065A (en) * 1980-11-17 1983-11-15 Sandstedt Gary O Restaurant or retail vending facility
DE3271006D1 (en) * 1981-09-15 1986-06-12 Rowntree Mackintosh Plc Data logging device
DE3210893C2 (en) * 1982-03-25 1984-01-05 Standard Elektrik Lorenz Ag, 7000 Stuttgart Device arrangement with a television receiver and a Videdo recording and / or reproducing device
US4471218A (en) * 1982-05-19 1984-09-11 Msi Data Corporation Self-contained, portable data entry terminal
US4516016A (en) * 1982-09-24 1985-05-07 Kodron Rudolf S Apparatus for recording and processing guest orders in restaurants or the like
KR890001938B1 (en) * 1983-03-31 1989-06-03 산요덴끼 가부시기가이샤 Vending machine
US4578572A (en) * 1983-06-17 1986-03-25 Data Information Management Systems, Inc. Modular microprocessor-based system for printing and reading a personal identifier code on a form
US4567359A (en) * 1984-05-24 1986-01-28 Lockwood Lawrence B Automatic information, goods and services dispensing system
US4812629A (en) * 1985-03-06 1989-03-14 Term-Tronics, Incorporated Method and apparatus for vending
US4812628A (en) * 1985-05-02 1989-03-14 Visa International Service Association Transaction system with off-line risk assessment
US4707592A (en) * 1985-10-07 1987-11-17 Ware Paul N Personal universal identity card system for failsafe interactive financial transactions
US4621189A (en) * 1985-10-08 1986-11-04 Telxon Corporation Hand held data entry apparatus
US4752676A (en) * 1985-12-12 1988-06-21 Common Bond Associates Reliable secure, updatable "cash" card system
US4866661A (en) * 1986-03-26 1989-09-12 Prins Maurits L De Computer controlled rental and sale system and method for a supermarket and the like

Also Published As

Publication number Publication date
CA2010846A1 (en) 1991-08-23
US4947028B1 (en) 1993-06-08
US4947028A (en) 1990-08-07
EP0446500A1 (en) 1991-09-18
EP0446500B1 (en) 1999-04-14

Similar Documents

Publication Publication Date Title
CA2010846C (en) Automated order and payment system
CN100407213C (en) Electronic settlement system, electronic settlement method and cash paying method using LCD barcode displayed on mobile terminal
AU2003287256B2 (en) Systems and methods for price matching on funds transfers
US5979757A (en) Method and system for presenting item information using a portable data terminal
US6084528A (en) Intranet scanning terminal system
US7725326B1 (en) Method and system for presenting item information using a portable data terminal
US6366220B1 (en) RF tag based system and method for drive-through applications
US6848615B2 (en) Card payment method and card payment system for door-to-door delivery
US20030024981A1 (en) Automated coupon solution
US20050131577A1 (en) Cashless vending system, method, vending machine, and center apparatus
KR20050028924A (en) Remote ordering device
US7717330B2 (en) Systems and methods for price matching on funds transfers
US20030182207A1 (en) Electronic Commerce Transaction System
WO2000039722A1 (en) Method and apparatus for remote order and pickup
US8612338B2 (en) Method, program and apparatus for collecting purchase information using network
KR20020063347A (en) Goods information searching and goods purchase method using Bar code information
KR100435204B1 (en) A system for calculation and payment of goods price and a method of the same
US20060064308A1 (en) Method, device and system for a machine-readable code enabled device enabling E-commerce transactions
US20020121546A1 (en) Smart e-card
JP2002232587A (en) Contract confirmation system
WO2005029221A2 (en) Method, device and system for a machine-readable code enabled device enabling e-commerce transactions
CN101635074A (en) Method for subscribing bill for user through selling point system
CN1612143A (en) Pos system
JP2002197321A (en) Mail-order system
IL108558A (en) Portable unit for effecting computerized purchasing of goods and services a system incorporating same and a method therefor

Legal Events

Date Code Title Description
EEER Examination request
MKEX Expiry
MKEX Expiry

Effective date: 20100223

MKEX Expiry

Effective date: 20100223