Point of sale transactions
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.
1. A self-checkout terminal comprising:
a transmitter;
a receiver configured to receive shopping data associated with prices of purchase items that a customer has physically acquired during a shopping activity at a retail establishment, and wherein the shopping data is based, at least in part, on numbers corresponding to items for purchase that the customer has acquired during the shopping activity;
payment logic configured to receive credential information associated with a monetary account that the customer is to use to pay for a collection of purchase items for purchase that the customer has acquired during the shopping activity;
message logic configured to transform the shopping data into checkout data that includes data representing the collection of purchase items; and
a cash-dispensing device configured to dispense cash;
wherein the transmitter is configured to transmit the credential information to an account network for authentication;
wherein the receiver is configured to receive a response from the account network indicating if the monetary account is authorized to pay for the collection of purchase items; and
wherein the payment logic is configured to cause the self-checkout terminal to indicate to the customer whether a payment using the monetary account for the purchase items is authorized, wherein when authorized an authorization is received at the self-checkout terminal before the customer arrives at the self-checkout terminal, wherein when authorized the self-checkout terminal is configured to cause a payment transaction to be executed to provide for self-checkout and the payment using the monetary account without scanning the items at the self-checkout terminal and without assistance by another person; and
wherein the account network is configured to receive a request for cash from the customer, wherein the account network is authorized to approve the request based, at least in part, on credentials received from the customer, and a value of the monetary account and, when approved, to issue and transmit a cash-back symbol to a mobile device carried by the customer, wherein upon reaching the self-checkout terminal, the self-checkout terminal is adapted to receive the cash-back symbol from the mobile device, and upon the cash-back symbol being verified, the cash-dispensing device is configured to dispense an amount of the request for cash.
2. The self-checkout terminal of claim 1 wherein the payment logic is further configured to cause the self-checkout terminal to indicate to the customer that the payment for the purchase items is authorized when the customer approaches the self-checkout terminal, and wherein the shopping data is automatically sent to the receiver when purchase items are moved to be located adjacent the customer.
3. The self-checkout terminal of claim 1 wherein the receiver configured to receive the shopping data from a mobile device carried by the customer.
4. The self-checkout terminal of claim 3 wherein the mobile device is a mobile phone that communicates with the transmitter and the receiver using low power electromagnetic waves with a signal strength providing for the mobile device to communicate with the self-checkout terminal less than 10 meters from the self-checkout terminal.
5. The self-checkout terminal of claim 1 wherein the self-checkout terminal is at least one of the group consisting of: an automated-transaction-machine (ATM) and a point of sale (POS) device.
6. The self-checkout terminal of claim 1 wherein the credential information is received from a mobile device carried by the customer, and wherein the credential information comprises customer-account credentials associated with the monetary account that allows a remote banking server to use the customer-credentials to verify that the customer has authorized access to the monetary account.
7. The self-checkout terminal of claim 6 wherein the credentials are stored in a digital wallet in the mobile device and are associated with a credit card.
8. The self-checkout terminal of claim 1 wherein the self-checkout terminal is configured to perform the payment transaction without requiring the use of any banking card, and wherein the self-checkout terminal is incapable of reading information from any banking card.
9. The self-checkout terminal of claim 1 wherein the monetary account is authorized and the payment transaction is successfully executed and pays for the purchase items the self-checkout terminal generates a signal to indicate to the customer that the payment for the purchase items has been successfully completed.
10. The self-checkout terminal of claim 9 wherein the signal is an illuminated green area associated with the self-checkout terminal.
11. The self-checkout terminal of claim 1 wherein the cash-back symbol is one or more of the group consisting of: a Quick Response (QR) code and a code transmitted as a near-field-communication (NFC) signal.
12. The self-checkout terminal of claim 1 further comprising:
a monetary-acceptance device configured to accept cash deposits;
wherein the account network is notified that the monetary account has insufficient funds to pay for the collection of purchase items, wherein the account network has an account computer that in response to the monetary account having insufficient funds, generates a message to the customer indicating insufficient funds and transmit the message an insufficient funds symbol to a mobile device carried by the customer, wherein upon reaching the self-checkout terminal, the self-checkout terminal is adapted to receive the insufficient funds symbol from the mobile device, and upon the insufficient funds symbol being verified, the monetary-acceptance device is configured to receive.
13. The self-checkout terminal of claim 12 wherein the insufficient funds symbol is one or more of the group consisting of: a Quick Response (QR) code and a code transmitted as a near-field-communication (NFC) signal.
14. The self-checkout terminal of claim 1 wherein the shopping data is comprised of one or more packets of data.
15. The self-checkout terminal of claim 1 wherein a mobile application software on the mobile device is configured to tabulate scanned items and to transfer a tabulation result to the self-checkout terminal.
16. The self-checkout terminal of claim 1 wherein an account computer of the account network authorizes the payment but does not update account with purchase information.
17. The self-checkout terminal of claim 1 wherein the credential information is received from a mobile device carried by the customer.
18. A method of self-checkout of shopping item comprising:
receiving shopping data associated with prices of at least one item for purchase when a consumer has physically acquires the at least one item during a shopping activity move the at least one item adjacent the consumer;
receiving credential information associated with a financial account to be used to pay for the at least one item for purchase;
transmitting credential information to an account computer of an account network for authentication;
receiving a response from the account computer indicating if the financial account is authorized to pay for the at least one item;
when the response is received, indicating to the consumer whether a payment for the item is authorized, and wherein the indicating is provided as the consumer approaches and before the consumer is at the self-checkout terminal; and
when authorized, causing the payment to be made to provide for a self-checkout and payment of the at least one item for purchase using the financial account without scanning the item at a self-checkout terminal and without assistance by another person, and wherein the payment is made with a single tap of the self-checkout terminal without any other required touching of the self-checkout terminal.
19. A self-checkout terminal comprising:
a transmitter;
a receiver configured to receive shopping data associated with prices of purchase items that a customer has physically acquired during a shopping activity at a retail establishment, and wherein the shopping data is based, at least in part, on numbers corresponding to items for purchase that the customer has acquired during the shopping activity;
payment logic configured to receive credential information associated with a monetary account that the customer is to use to pay for a collection of purchase items for purchase that the customer has acquired during the shopping activity;
message logic configured to transform the shopping data into checkout data that includes data representing the collection of purchase items; wherein the transmitter is configured to transmit the credential information to an account network for authentication; and
a monetary-acceptance device configured to accept cash deposits;
wherein the receiver is configured to receive a response from the account network indicating if the monetary account is authorized to pay for the collection of purchase items; and
wherein the payment logic is configured to cause the self-checkout terminal to indicate to the customer whether a payment using the monetary account for the purchase items is authorized, wherein when authorized an authorization is received at the self-checkout terminal before the customer arrives at the self-checkout terminal, wherein when authorized the self-checkout terminal is configured to cause a payment transaction to be executed to provide for self-checkout and the payment using the monetary account without scanning the items at the self-checkout terminal and without assistance by another person; and
wherein the account network is notified that the monetary account has insufficient funds to pay for the collection of purchase items, wherein the account network has an account computer that in response to the monetary account having insufficient funds, generates a message to the customer indicating insufficient funds and transmit the message an insufficient funds symbol to a mobile device carried by the customer, wherein upon reaching the self-checkout terminal, the self-checkout terminal is adapted to receive the insufficient funds symbol from the mobile device, and upon the insufficient funds symbol being verified, the monetary-acceptance device is configured to receive.
20. The self-checkout terminal of claim 19 , wherein the receiver configured to receive the shopping data from a mobile device carried by the customer.
21. The self-checkout terminal of claim 19 , wherein the credential information is received from a mobile device carried by the customer, and wherein the credential information comprises customer-account credentials associated with the monetary account that allows a remote banking server to use the customer-credentials to verify that the customer has authorized access to the monetary account; and
wherein the credentials are stored in a digital wallet in the mobile device and are associated with a credit card.
22. The self-checkout terminal of claim 19 , wherein the self-checkout terminal is configured to perform the payment transaction without requiring the use of any banking card, and wherein the self-checkout terminal is incapable of reading information from any banking card.
23. The self-checkout terminal of claim 19 , wherein the insufficient funds symbol is one or more of the group consisting of: a Quick Response (QR) code and a code transmitted as a near-field-communication (NFC) signal.