IP Library Patent Application 11701658
Patent Application
App. No. 11/701,658

Systems and methods for determining a need for authorization

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Quick Facts
Patent No.
US None
App. No.
11/701,658
Abstract

Authorization verification systems and methods are described that determine whether an authorization check is to be performed at a point of sale or other point of control, and, if the authorization check is to be performed, that check the authorization and that store a retrievable record of the authorization check. The system receives authorization information for an individual that is indicative of the individual's authorization to purchase a product or service, to enter a location, to attend an event, or to otherwise participate in an encounter whose access is limited to authorized individuals. In one embodiment, authorization for making a purchase is limited to individuals above an age threshold, and the authorization verification system receives information relating to the individual's age via an electronic scanning of a driver's license or other identification card, or by other methods, and uses the birth date information to calculate the customer's current age. The current age can be displayed on an existing display of a point-of-sale device or other display. A record of the authorization can be stored and can subsequently be retrieved to verify that an authorization check for the encounter was carried out.

Claims (43)

1 . A method for performing an authorization check for an item that a purchaser is attempting to purchase, the method comprising:

identifying an age-related authorization threshold associated with an item a purchaser is attempting to purchase;

calculating the age of the purchaser; and

using the calculated age of the purchaser and the identified age-related authorization threshold to determine whether to authorize at least a portion of the purchase.

2 . The method of claim 1 , wherein calculating the age of the purchaser comprises:

obtaining birth date identification information about the purchaser;

obtaining the current date; and

calculating the age of the purchaser using the current date and the birth date information.

3 . The method of claim 1 , further comprising storing in a memory a record indicative of the purchase and of the calculated age of the purchaser.

4 . The method of claim 1 , wherein the purchase comprises an online purchase.

5 . The method of claim 4 , further comprising:

identifying the age-related authorization threshold for each item the purchaser is attempting to purchase; and

selecting one from a group of identified age-related authorization thresholds to be the authorization threshold for the online purchase.

6 . The method of claim 4 , wherein identifying the age-related authorization threshold associated with the item the purchaser is attempting to purchase online comprises accessing stored data associated with the item, the stored data indicating whether an authorization check based on an age threshold is associated with the item.

7 . The method of claim 6 , wherein calculating the age of the purchaser comprises calculating the age of the purchaser if the authorization check based on the age threshold is associated with the item.

8 . The method of claim 6 , further comprising:

storing in a memory a record indicative of the online purchase; and

storing in the memory a record indicative of the calculated age of the purchaser if the authorization check based on the age threshold is associated with the item.

9 . An apparatus for performing an authorization check for an item that a purchaser is attempting to purchase, the apparatus comprising:

a memory configured to store at least one age-related authorization threshold associated with an item a purchaser is attempting to purchase; and

a processor associated with the memory, the processor configured to access the memory to identify the age-related authorization threshold associated with the item, the processor further configured to calculate the age of the purchaser, and the processor further configured to use the calculated age of the purchaser and the identified age-related authorization threshold to determine whether to authorize at least a portion of the purchase.

10 . The apparatus of claim 9 , wherein the processor is further configured to obtain birth date identification information about the purchaser, to obtain the current date, and to calculate the age of the purchaser using the current date and the birth date information.

11 . The apparatus of claim 9 , further wherein the processor is further configured to store in the memory a record indicative of the purchase and of the calculated age of the purchaser.

12 . The apparatus of claim 9 , wherein the purchase comprises an online purchase.

13 . The apparatus of claim 12 , wherein the processor is further configured to identify the age-related authorization threshold for each item the purchaser is attempting to purchase, and to select one from a group of identified age-related authorization thresholds to be the authorization threshold for the online purchase.

14 . The apparatus of claim 12 , wherein the processor is further configured to access stored data associated with the item, the stored data indicating whether an authorization check based on an age threshold is associated with the item.

15 . The apparatus of claim 14 , wherein the processor is further configured to calculate the age of the purchaser if the authorization check based on the age threshold is associated with the item.

16 . The apparatus of claim 14 , the processor is further configured to storing in the memory a record indicative of the online purchase, and to store in the memory a record indicative of the calculated age of the purchaser if the authorization check based on the age threshold is associated with the item.

17 . An apparatus for performing an authorization check for an item that a purchaser is attempting to purchase, the apparatus comprising:

means for identifying an age-related authorization threshold associated with an item a purchaser is attempting to purchase;

means for obtaining birth date identification information about the purchaser;

means for obtaining the current date;

means for calculating the age of the purchaser using the current date and the birth date information; and

means for using the calculated age of the purchaser and the identified age-related authorization threshold to determine whether to authorize at least a portion of the purchase.

18 . The apparatus of claim 17 , further comprising a means for storing in a memory a record indicative of the purchase and of the calculated age of the purchaser.

19 . The apparatus of claim 17 , further comprising:

means for identifying the age-related authorization threshold for each item the purchaser is attempting to purchase, wherein the purchase comprises an online purchase; and

means for selecting one from a group of identified age-related authorization thresholds to be the authorization threshold for the online purchase.

20 . The apparatus of claim 17 , wherein the purchase comprises an online purchase, the apparatus further comprising:

means for accessing stored data associated with the item, the stored data indicating whether an authorization check based on an age threshold is associated with the item;

means for calculating the age of the purchaser if the authorization check based on the age threshold is associated with the item;

means for storing in a memory a record indicative of the online purchase; and

means for storing in the memory a record indicative of the calculated age of the purchaser if the authorization check based on the age threshold is associated with the item.

Assignments (7)
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 →
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 Jun 6, 2008
From: FIRST DATA CORPORATION
To: FIRST DATA CORPORATION; THE WESTERN UNION COMPANY
Reel/Frame 021061/0164 →
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 →