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公开(公告)号：EP3403229A1
公开(公告)日：2018-11-21
申请号：EP17705195.0
申请日：2017-01-13
发明人： WATSON, Devon , KUCHENSKI, David , KLEIN, Alex , ZAUGG, Matt , BLOCK, Brian , HARRIS, Richard , KONECNY, Robert
CPC分类号： G06Q20/201 , G06K19/06037 , G06Q20/1085 , G06Q20/18 , G06Q20/202 , G06Q20/208 , G06Q20/3274 , G06Q20/3278 , G06Q20/405 , G07G1/0045 , G07G1/0081
摘要： A system provides for a self-checkout terminal with various components. A receiver receives shopping data including prices of items that a customer has physically acquired or placed in a cart. A payment logic receives credential information associated with a monetary account for paying for the items. A message logic creates checkout data that includes data representing the collection of purchase items. A transmitter transmits the credential information to an account network for authentication and the receiver receives a response indicating if the monetary account is valid. The payment logic/self-checkout terminal indicates to the customer that a payment using the monetary account for the purchase items is authorized or not. When authorized, an authorization is received at the self-checkout terminal before the customer arrives at the terminal and the self-checkout terminal causes a payment transaction to be executed to provide for self-checkout using the monetary account without assistance by another person.
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公开(公告)号：EP3360116A1
公开(公告)日：2018-08-15
申请号：EP16784363.0
申请日：2016-10-07
发明人： BLOCK, Brain , KLEIN, Alex , ZAUGG, Matt , DE OLIVEIRA, Sergio , DAILEY, Scott , MAIBACH, Eric , BRADSTREET, Stefan , WITZKE, Scott , WIDMER, Caleb , REYNOLDS, Shawn
CPC分类号： G06Q20/1085 , G06Q20/32 , G06Q20/3223 , G06Q20/3278 , G06Q20/40145 , G07F19/206
摘要： A cash-dispensing banking terminal can execute a transaction request created with a mobile device before a banking customer and the mobile device arrive at the cash-dispensing banking terminal. A remote computing device authenticates and authorizes the transaction request. When the transaction is authenticated and authorized, the remote computing device generates an executable transaction request and sends a transaction identifier to the mobile device. The receiver receives the transaction identifier from the mobile device, when the customer is at the banking terminal. The remote computer and/or other devices verify the transaction identifier is valid. The banking terminal performs the transaction request while the customer is at the banking terminal. The amount of the cash withdrawal is pre-deducted from the banking account of the banking customer before the banking customer is at the banking terminal.
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