1058results about "Receipt giving machines" patented technology

A system and method of providing an electronic transaction receipt from a cash dispensing ATM. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address of record corresponds to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction. Thus, a user of an ATM is able to receive an electronic receipt corresponding to the ATM transaction. The system may also operate to image deposited checks deposited at an ATM. Copies of the imaged checks and other information can be electronically sent to a maker, payee, a clearinghouse or banks involved with the transaction. The system may also operate to provide the user with blank checks in hard copy or virtual checks for transactions.

A telecommunications system and method is disclosed for providing a substantially immediate electronic receipt after a consumer has made a purchase. When a consumer makes a purchase, the sales terminal, which is attached with a short message / e-mail sending capable terminal, can generate and route a short message along with the detailed purchase information to a transport address or alias address associated with the consumer via a Gatekeeper for the Internet for the area that the sales terminal is located in. Upon receipt of the short message, the Gatekeeper can then convert the alias address to the transport address, if the alias address is given and the consumer does not want the short message sent to the alias address, and forward the short message through the Internet to that transport address (or alias address) as an Internet Protocol datagram for storage and retrieval of the short message by the consumer either immediately or at a later time.

Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.

Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.

An information entry and reporting system and method for tracking data associated with retail transactions at the point of sale. Transaction data is converted into a machine readable dataform pattern and printed onto a sales receipt provided to the purchaser. Subsequently, the purchaser uses a suitably configured scanning device to read the dataform pattern into his or her computer. Software algorithms decode the scanned dataform pattern, extract the transaction data and store it for subsequent analysis and reporting. The system includes a computer, software adapted to retrieve selected data, assemble the retrieved data in a format suitable for encoding and encode the data in a dataform pattern, a printer to print the encoded transaction data, a scanning device to capture the encoded data, software to decode the transaction data and software to display the data in human readable form.

The present invention relates to a computer-based system that provides a method for real time data storage and retrieval for the purpose of verifying and validating sales transactions and product return / warranty repair eligibility. An electronic product registration system is provided which stores information on purchased products and which enables a retail store or the like to verify compliance with return policies prior to accepting a product for return or replacement, thereby reducing improper or fraudulent product returns under warranty, while also providing related functionality to third parties such as law enforcement agencies and the like.

A method and program product for providing paperless receipts for conducting business transactions. Biometric data and product specific identification information is collected with each purchase and included with an electronic receipt generated for each purchase. The collected product specific information may include product serial numbers for some products, all products or product valued above a minimum threshold cost. The biometric data may include a digital image of each purchaser. The electronic receipt may be passed directly to the customer.

A method, program, and system for processing electronic receipts within a computer network are provided. The present invention comprises creating a customer profile for a user using a Smart Receipt application. When the user purchases items, electronic receipts (smart receipts) are sent from the point of sale to a designated database. The database may be on a credit card company server, the product manufacturer's server, a special cash receipts server, or a central clearing house server. When the customer wants a copy of a receipt, he or she enters search parameters which specify the desired receipt. The search parameters may include item type, date of purchase, and method of purchase. A Smart Receipt object is then initiated, which retrieves the specified electronic receipt from the appropriate database, according to the search parameters. A copy of the retrieved electronic receipt is then downloaded to a client machine (e.g. PDA, PC) designated by the customer profile.

A method and program product for conducting business transactions and avoiding inadvertent overdrafts. First, the value of an intended purchase is estimated and an electronic receipt is generated for the estimate. An account identified for payment (e.g., a checking account or a credit card account) is analyzed for sufficient funds and, alerts may be provided whenever the analysis indicates that the account has insufficient funds. As a result of the alert, the purchase may be halted or another form of payment may be selected. Also, total in-store purchases may be estimated and other accounts may be analyzed to determine if, in addition to being overdrawn for the selected account, the transaction is over budget.

A pricing terminal is installed at a retail store. The pricing terminal includes an enclosure that allows a customer to be seated therein, a display screen mounted in the enclosure, a keyboard and a processor operatively connected to the display screen and the keyboard. The processor is programmed to control the display screen, receive input via the keyboard and guide the customer to perform a pricing activity. The pricing activity may include viewing an advertisement, answering survey questions, or agreeing to enter into a transaction with a third party. The customer is rewarded for performing the pricing activity by receiving a discount on a purchase transaction or another benefit.

A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of rules and a number of meta-rules, and a portable device having associated therewith a number of rules and a number of meta-rules. The portable device uses its associated rules to determine an outcome for a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the point of service device to help determine the outcome using the rules and meta-rules associated with the point of service device. If the point of service device is unable to determine the outcome using its associated rules, the point of service device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.

A computerized method of automatically generating payment for electronic billing data including automatically obtaining billing data in an electronic format from a billing party for a billable party, and automatically comparing the billing data with rule data defined by the billable party. The method includes automatically authorizing generation of payment data for the billing party if the billing data satisfies the comparison with the rule data.

A financial transaction processing system for use at a point of presentment includes an input receptive of an image of a physical item at least partially embodying a financial transaction, wherein the image contains a visual record of an amount of monetary value. An image recognition module is adapted to extract the amount of monetary value recorded in the image and recognize the amount using character recognition. A validation module is adapted to determine whether the transaction is valid based on a validation characteristic of an item. A balancing module is adapted to determine whether the transaction is balanced based on the amount of monetary value. An output is adapted to transmit information indicating whether the transaction is at least one of balanced and valid.

An apparatus, method, system, and computer-program product for producing valuable POS indicia that provides value to both the customer and to the establishment. The apparatus includes a point-of-sale (POS) receipt including a first portion and a second portion, the first portion including a transaction memorialization information and the second portion including a localization token that has been generated, for example, by a process where the time, location and nature of transaction are the parameters used to select the specific contents of the token. The method includes processes for the manufacture, assembly and use of the disclosed system, with the computer program product including machine-executable instructions for carrying out the disclosed methods.

A method and apparatus for encoding transactions for goods and services using an e-receipt is provided. A consumer and a merchant conduct a commercial transaction using a distributed data processing system. An electronic receipt is recorded on a removable storage medium at a first data processing system. The electronic receipt contains data concerning the commercial transaction. The removable storage medium is then read at a second data processing system. After validating the electronic receipt, another commercial transaction or another stage of the original commercial transaction may be performed. The electronic receipt may be validated for a warranty claim on goods or services subject to the purchase transaction, and the removable storage medium may be an optical card or a smart card, either of which is able to store thousands of e-receipts and other electronic documents related to a commercial transaction, with the integrity of each guaranteed through digital signature, digital certificate, etc.

A system and method for providing load balanced secure media content and data delivery (10) in a distributed computing environment is disclosed. Media content is segmented and encrypted into a set of individual encrypted segments on a centralized control center (15). Each individual encrypted segment has the same fixed size. The complete set of individual encrypted segments is staged to a plurality of intermediate control nodes (17, 19). Individual encrypted segments are mirrored from the staged complete set to a plurality of intermediate servers (21a-b, 23a-b). Requests are received from clients (11) for the media content at the centralized control center. Each individual encrypted segment in the set is received from one of an intermediate control node and an intermediate server optimally sited from the requesting client. The individual encrypted segments are reassembled into the media content for media playback.

A mapping system receives information from a standardized order input system and maps or translate the order information into the proper format and syntax required for a vendor's receiving system. In this manner, a consumer may view and utilize a standardized ordering interface while a vendor may utilize their existing and varied order receiving systems located a various order fulfillment locations.

A method of creating an electronic invoice is provided. A mobile application is downloaded to an operating system of a wireless electronic communication device. The mobile application is capable of processing a point of sale type operation. The operating system captures information required for invoice / receipt and payment. The invoice / receipt information is created and outputted for import into an accounting system. The payment information is created and outputted for import into a payment processing system. The invoice / receipt information is created and outputted for the customer. Upon receipt of a payment, the payment is processed.

A system, method and gaming device having a card reader and a receipt printer are provided. One processor of the gaming device communicates with a receipt printer and plays a game program. Another processor operates as part of an electronic funds transfer control unit that communicates with a card reader, keypad and display for prompting the player to enter fund transfer card information. The control unit sends out fund requests over a wide area network to a remote fund repository. If the repository approves of a fund request, the approval travels back to the ticket validation system, which instructs the gaming device to: (i) issue a direct transfer of funds via the credit meter, a hopper or a lottery and (ii) issue a receipt for the transfer to the player.

A coin sorting and counting machine and a method for operating it to automatically dispense cash vouchers based on the value of the counted coins, manufacturers' coupons and store coupons. Coins are placed in a hopper tray angled downward from the horizontal. When the hinged tray is lifted, the coins travel over a peak structure, through a waste management system and into the coin sorting and counting apparatus. The value of the coins and the number of coins within each denomination are displayed as the coins are counted. The coins fall into a storage area and the user is issued a cash voucher and a series of manufacturer coupons.

An aspect of the present invention relates to improved systems and methods for making transactions. In an embodiment such systems and methods may involve providing printed information pertaining to at least one transaction; providing an RFID tag wherein the RFID tag includes electronic information pertaining to the at least one transaction; providing an interrogation facility; and causing the interrogation facility to interrogate the RFID tag and receive the electronic information.

A system is provided that includes a transaction engine running on a mobile device. In response to a financial transaction between a buyer and a seller, the transaction uses the mobile device to accept information selected including but not limited to information from financial transaction or information pertaining to financial transaction card used by the buyer in the transaction. At least a portion of this information is communicated with a third party financial institution or payment network to authorize the transaction. The buyer receives confirmation of the payment.

A service point management system employs a computer for managing points issued to each customer who receives service according to the points. A point issue unit issues points to the customer according to transactions performed by the customer. A point accumulation unit calculates and accumulates the issued points. A point notification unit notifies the customer of point information. A customer identification unit identifies the customer according to customer identification data entered through a customer or store terminal. The point notification unit notifies the customer identified by the customer identification unit of the customer's cumulative point information before the customer carries out transactions.

A system and method for providing digital receipts for purchase transactions are provided. The method includes the steps receiving information for a first credit card account for executing a transaction; retrieving a first customer record from a database using information from the first credit card account; charging an amount of the transaction to the first credit card account; and transmitting a receipt to a predetermined location of the customer. The predetermined location may be an e-mail address of the customer or a server residing on the network. By receiving digital receipts, a customer or end-user will be able to digitally store these receipts and view or print the receipts out when necessary. Furthermore, the customer will be able to manage the receipts with conventional software packages.