IP Library › Granted Patent US 7,506,809
Granted Patent B2
US 7,506,809 · App. 11/498,937 · Granted Mar 24, 2009

Systems and methods for configuring a point-of-sale system

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Quick Facts
Patent No.
US 7,506,809
App. No.
11/498,937
Granted
Mar 24, 2009
Kind
B2
Abstract

The present invention provides a variety of systems and methods for configuring and/or providing a configurable point-of-sale system. Various methods of the present invention include providing a point-of-sale device and coupling it to a communication network. One or more transaction systems are accessible to the point-of-sale device via the transaction network, instructions are loaded to the memory of the point-of-sale device allowing it to access the transaction system. Various systems include a plurality of point-of-sale devices communicably coupled to various transaction systems via a communication network. The point-of-sale devices can be configurable to access one or more of the various transaction systems.

Claims (24)

1. A method for effectuating a value transfer from one or more point-of-sale devices, the steps comprising:

providing a plurality of point-of-sale devices each comprising a processor, a data store, and a communication interface;

associating the plurality of point-of-sale devices with a point-of-sale control system,

wherein at least one of the plurality of point-of-sale devices is associated with a stored value card system and a remote transaction system, and

wherein the at least one of the plurality of point-of-sale devices is operable to be remotely configured by at least one of the point-of-sale control system, the stored value card system, or the remote transaction system;

transmitting a request associated with a transaction from the at least one of the plurality of point-of-sale devices to the point-of-sale control system, wherein the at least one of the plurality of point-of-sale devices is not fully operable to complete the transaction without being reconfigured;

receiving instructions to reconfigure the at least one of the plurality of point-of-sale devices from at least one of the point-of-sale control system, the stored value card system, or the remote transaction system;

reconfiguring the at least one of the plurality of point-of-sale devices as a function of the instructions;

receiving a response from the point-of-sale control system at the at least one of the plurality of point-of-sale devices; and

completing the transaction as determined by the response using the at least one of the plurality of point-of-sale devices.

2. The method of claim 1 , wherein the request comprises a request for access to the point-of-sale control system.

3. The method of claim 2 , further comprising:

receiving, in response to the request for access, a condition for accessing the point-of-sale control system; and

agreeing to the condition prior to the completing the transaction.

4. The method of claim 1 , wherein associating comprises communicatively coupling through a communications network.

5. The method of claim 4 , wherein the communications network comprises a dedicated network.

6. The method of claim 1 , wherein the remote transaction system comprises a money transfer system to transfer monetary values from senders to recipients, at least one of the senders or recipients using the at least one of the plurality of point-of-sale devices in executing the transfer.

7. The method of claim 1 , wherein the remote transaction system comprises at least one of a check acceptance system, a loyalty program system, a fraud detection system, or a statistical processing system.

8. The method of claim 1 , further comprising gathering statistics relating to at least one of the plurality of point-of-sale devices using a statistical processing system.

9. The method of claim 8 , further comprising storing at least a portion of the statistics in the data store of one of the plurality of point-of-sale devices.

10. The method of claim 1 , further comprising:

loading a set of instructions onto the at least one of the plurality of point-of-sale devices to configure the at least one of the plurality of point-of-sale devices to perform a predetermined set of transaction types; and

installing the at least one of the plurality of point-of-sale devices at a merchant location.

11. The method of claim 10 , wherein the loading step occurs prior to the installing step.

Assignments (9)
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION; DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC. (K/N/A FIRST DATA RESOURCES, LLC); FUNDSXPRESS FINANCIAL NETWORKS, INC.; INTELLIGENT RESULTS, INC. (K/N/A FIRST DATA SOLUTIONS, INC.); LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
Reel/Frame 050090/0060 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION; DW HOLDINGS, INC.; FIRST DATA RESOURCES, LLC; FUNDSXPRESS FINANCIAL NETWORK, INC.; FIRST DATA SOLUTIONS, INC.; LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
Reel/Frame 050091/0474 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION
Reel/Frame 050094/0455 →
RELEASE OF SECURITY INTEREST Recorded Jul 30, 2019
From: CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH
To: CARDSERVICE INTERNATIONAL, INC.; DW HOLDINGS INC.; FIRST DATA CORPORATION; FIRST DATA RESOURCES, LLC; FUNDSXPRESS, INC.; INTELLIGENT RESULTS, INC.; LINKPOINT INTERNATIONAL, INC.; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.; TELECHECK SERVICES, INC.
Reel/Frame 049902/0919 →
SECURITY AGREEMENT Recorded Jan 31, 2011
From: DW HOLDINGS, INC.; FIRST DATA RESOURCES, LLC; FUNDSXPRESS FINANCIAL NETWORKS, INC.; FIRST DATA SOLUTIONS, INC.; LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC
To: WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 025719/0590 →
SECURITY AGREEMENT Recorded Nov 17, 2010
From: DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC. (K/N/A FIRST DATA RESOURCES, LLC); FUNDSXPRESS FINANCIAL NETWORKS, INC.; INTELLIGENT RESULTS, INC. (K/N/A FIRST DATA SOLUTIONS, INC.); LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
To: WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 025368/0183 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 24, 2009
From: STOUTENBURG, EARNEY; MOLLETT, CASSANDRA J.; PRICE, JAMES; FILLINGER, CHARLES A.; NELSON, ERIC M.; SEIFERT, DEAN A.; SINGLETON, JEFFREY
To: FIRST DATA CORPORATION
Reel/Frame 022595/0180 →
SECURITY AGREEMENT Recorded Oct 31, 2007
From: FIRST DATA CORPORATION; CARDSERVICE INTERNATIONAL, INC.; FUNDSXPRESS, INC.; LINKPOINT INTERNATIONAL, INC.; TASQ TECHNOLOGY, INC.; TELECHECK SERVICES, INC.; DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC.; INTELLIGENT RESULTS, INC.; SIZE TECHNOLOGIES, INC.; TELECHECK INTERNATIONAL, INC.
To: CREDIT SUISSE, CAYMAN ISLANDS BRANCH, AS COLLATERAL AGENT
Reel/Frame 020045/0165 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 15, 2006
From: FIRST DATA CORPORATION
To: FIRST DATA CORPORATION; THE WESTERN UNION COMPANY
Reel/Frame 018522/0872 →