Machine, methods, and program product for electronic inventory tracking
원문보기
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-030/00
G06Q-010/00
A01K-005/02
G06F-017/50
G06Q-020/00
G06Q-020/08
출원번호
US-0626349
(2009-11-25)
등록번호
US-9213965
(2015-12-15)
발명자
/ 주소
Brooks, Jason
Wells, Mike
출원인 / 주소
METABANK
대리인 / 주소
Bracewell & Giuliani LLP
인용정보
피인용 횟수 :
1인용 특허 :
176
초록▼
Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant POS apparatus or terminal over an existing fin
Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant POS apparatus or terminal over an existing financial services payment network and configured to receive and process purchase transaction data associated with a product being purchased, for use by a product provider. The computer can include electronic inventory management program product configured to perform various operations including receiving a purchase transaction message sent through the payment network, storing purchase transaction data, and notifying a product provider of the purchase transaction data. The purchase transaction message can include a financial services electronic payment network compatible universal product-transaction identifier, which can be received through the POS terminal in response to a consumer or merchant interfacing the product's container, or an associated purchase ticket or slip storing the transaction identifier, with the POS terminal.
대표청구항▼
1. A computer associated with a first financial institution to define a financial institution computer to facilitate electronic inventory management of a plurality of products provided by a plurality of different product providers, the financial institution computer comprising: one or more processor
1. A computer associated with a first financial institution to define a financial institution computer to facilitate electronic inventory management of a plurality of products provided by a plurality of different product providers, the financial institution computer comprising: one or more processors configured to process data associated with the first financial institution;one or more input/output units configured to communicate with a communication network and an electronic financial payment network, the electronic financial payment network adapted to identify a plurality of issuers of a plurality of bank identifier numbers (BINs) and further adapted to set transaction rules to settle funds between parties of transactions, the plurality of issuers of the plurality of BINs configured to include the first financial institution;non-transitory memory encoded with one or more computer programs operable by the one or more processors and configured to facilitate electronic inventory management of a plurality of different products provided by each of the plurality of different product providers, each of the plurality of different products of each of the plurality of different product providers adapted to have an associated apparatus to thereby define a plurality of product apparatuses, so that during operations of the one or more computer programs, the one or more processors operate to perform the following steps: generating a plurality of universal product transaction identifiers adapted to be positioned on the plurality of product apparatuses and configured to facilitate inventory management of the plurality of different products of each of the plurality of different product providers, each of the plurality of universal product transaction identifiers configured to include one of the plurality of BINs issued by the first financial institution, each of the plurality of universal product transaction identifiers further configured to include one of a plurality of product identifiers, the one of the plurality of BINs configured to be compatible with the electronic financial payment network to thereby enable the electronic financial payment network to identify the first financial institution as the issuer of each of the plurality of universal product transaction identifiers;communicating, via the communication network, the plurality of universal product transaction identifiers to the plurality of different product providers so that the plurality of universal product transaction identifiers are adapted to be positioned on the plurality of product apparatuses, each of the plurality of different product providers adapted to provide the respective plurality of different products to a plurality of merchants, each of the plurality of different product providers also adapted to determine a count of the respective plurality of different products;correlating the plurality of product identifiers of the plurality of universal product transaction identifiers with the plurality of different products of one or more of the plurality of different product providers, the correlation responsive to receipt, via the communication network, of product information from the one or more of the plurality of different product providers;determining receipt of one or more first transaction messages having one or more of the plurality of universal product transaction identifiers and a flag indicating a capability of one or more of a plurality of merchant point-of-sale (POS) terminals to support partial-authorization messaging, the one or more of the plurality of merchant POS terminals positioned in communication with one or more of a plurality of merchant acquirer computers and associated with one of the plurality of merchants, the one or more first transaction messages being sent through the electronic financial payment network from the one or more of the plurality of merchant POS terminals responsive to one or more purchase requests of one or more of the plurality of different products of one of the plurality of different product providers when the one or more of the plurality of merchant POS terminals interface with one or more of the plurality of product apparatuses to retrieve one or more of the plurality of universal product transaction identifiers associated with the one or more of the plurality of different products;sending, via the electronic financial payment network responsive to the determining receipt of the one or more first transaction messages, partial-authorization approval data to the one or more of the plurality of merchant POS terminals to indicate a requirement to tender funds to complete the one or more purchase requests of the one or more of the plurality of different products to thereby use the partial-authorization messaging to facilitate communication of product inventory data using the electronic financial payment network;determining receipt of one or more second transaction messages sent through the electronic financial payment network from the one or more of the plurality of merchant POS terminals, the one or more second transaction messages indicating a purchase acknowledgement and being responsive to the one or more of the plurality of merchant POS terminals receiving authorization of a method of payment from a second financial institution that issued a transaction card associated with the method of payment to thereby indicate a purchase of the one or more of the plurality of different products associated with the one or more purchase requests; andnotifying, responsive to the determining receipt of the one or more second transaction messages, the one of the plurality of different product providers of a plurality of product provider transaction messages, the plurality of product provider transaction messages configured to include a transaction time and a transaction date of the one or more of the plurality of different products purchased with one or more of the plurality of merchants, each of the plurality of product provider transaction messages further configured to indicate an effect of the purchase of the one or more of the plurality of different products associated with the one or more purchase requests on the count of the plurality of different products of the one of the plurality of different product providers. 2. The financial institution computer as defined in claim 1, wherein the purchase acknowledgement received further indicates one or more of the following data items: merchant category code, merchant identification number, terminal identification number, date purchased, time-of-day purchased, and product purchase location indicia. 3. The financial institution computer as defined in claim 1, wherein the one or more of the plurality of merchant POS terminals interface with the one or more of the plurality of product apparatuses to read the one or more of the plurality of universal transaction identifiers via one or more of the following: swiping a magnetic stripe positioned on the one or more of the plurality of product apparatuses, reading a RFID tag positioned on or in the one or more of the plurality of product apparatuses, or scanning a bar code positioned on the one or more of the plurality of product apparatuses. 4. The financial institution computer as defined in claim 1, wherein the plurality of different products of the one of the plurality of different product providers have a common BIN with the plurality of different products of another one of the plurality of different product providers. 5. The financial institution computer as defined in claim 2, wherein the plurality of product provider transaction messages further include a compiled report of the one or more of the plurality of different products based on the date purchased, the time-of-day-purchased, or the product purchase location.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (176)
Fish, Howard; Sterling, Jake, ATM system for receiving cash deposits from non-networked clients.
Small Maynard E. (105 Ward Pkwy. ; Apt. 507 Kansas City MO 64112), Apparatus and method for electronically dispensing personalized greeting cards and gifts.
Katzeff Kurt (Televerkets Huvudkontor ; Fack S-123 86 Farsta SEX) Petre Tommy (Televerkets Huvudkontor ; Fack S-123 86 Farsta SEX), Arrangement for a pay telephone payment system utilizing a payment card within the telecommunication system.
Bishop Ronald D. (Irvine CA) McClure Dana W. (El Toro CA) Storch John A. (Santa Ana CA), Automated vending of cellular hand-held telephones and cellular telephone services.
Zicker Robert G. (Houston TX) Cao Thanh H. (Houston TX) Borkowski Daniel G. (The Woodlands TX) Plouff Donald A. (The Woodlands TX) Brown ; Jr. Phillip D. (The Woodlands TX), Cellular radiotelephone credit card paystation method.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Stahl John I. (Coral Springs FL) Brown David L. (Miami FL) Heeschen David R. (Pompano FL) Breeden Robert L. (Boynton Beach FL) Bessom Richard E. (Boca Raton FL) Lambrcht Frank E. (Hollywood FL) Stugl, Cordless telephone with internal debit and credit memory.
Bourgeois David R. (Framingham MA) Ryan James A. (West Boylston MA) Varshney Subhash C. (W. Roxbury MA), Data processing system with self testing and configuration mapping capability.
Hilt James J. (Daly City CA) Hodges Ron (San Ramon CA) Pardue Stephen W. (Half Moon Bay CA) Powar William L. (Palo Alto CA), Electronic bill pay system.
Jones Christopher L. ; Sharpe William F. ; Scott Jason S. ; Watson John G. ; Maggioncalda Jeff N. ; Bekaert Geert ; Grenadier Steven R. ; Park Ronald T., Financial advisory system.
Levine Jack (Agoura Hills CA) Brandt Priscilla C. (San Mateo CA) Jackson Nydia (Redwood City CA) Johnson David L. (Woodside CA) Clark Helen (Mill Valley CA), Method and apparatus for distributing currency.
Brown, Peggy; Guthrie, Janet; McLaughlin, Edward; Ross, Samantha; Lanford, Matthew, Method and system for enabling item-level approval of payment card.
Schutzer Daniel ; Forster ; Jr. William Hull,NLX ; Hu Huanrui ; Lee Wenke ; Stolfo Salvatore J. ; Fan Wei, Method and system for using intelligent agents for financial transactions, services, accounting, and advice.
Levie Stephen Alan ; Brown Bradley Dale ; Loxtercamp Gregory John ; Hermansen Michael E. ; O'Hare Emmett E. ; Ghanbarzadeh Ahmad, Modular transaction terminal.
Nair Parameswaran B. (Acworth GA) Evans John C. (Atlanta GA) Price James F. (Alpharetta GA) Choudhuri Kumar S. (Kennesaw GA) Stills James T. (Atlanta GA) Goulding Victor V. (Lawrenceville GA), Multi-reader transaction terminal.
Hamilton, Daniel Lee; McMichael, Jr., William Richard; Pigg, Esther J.; Webber, Cathy E.; Dreyer, Hans D., Payment processing with selection of an electronic debiting option.
Campo James A. (Brunswick OH) Anderson Fred J. (Wooster OH) Embree Donald M. (Uniontown OH) Hofstetter Charles J. (Aurora OH) Sloan Donald I. (Stow OH), Portable point of sale terminal.
Meyer Lee ; Fuller James D. ; Hanley David C. ; Fong Willie Yuen ; Specht Gary L. ; Fischer Michael ; Serotta Paul A. ; Cole William B., Portable transaction terminal system.
Sloan Joseph W. (Nashville TN) Snyder Harry P. (Brentwood TN) Foster Joseph W. (Nashville TN) Day Mark C. (Nashville TN) Berg Timothy G. (Brentwood TN) Jarreau Michael (Brentwood TN) Miller Mark P. (, Prepayment metering system using encoded purchase cards from multiple locations.
Maes Philippe (Peynier FRX) Depret Eric (Caen FRX) Hiolle Philippe (Herouville Saint Clair FRX), Rechargeable prepaid memory card with both unit and page counters.
Yuris Nora (Del Mar CA) Cekander Eugene J. (San Diego CA) Kazaoka Masaru (San Diego CA) Chuang Jim P. (Escondido CA), Self-service passenger ticketing system.
Brooks, Jason, System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods.
Brooks, Jason, System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods.
Nguyen, Truc; Yeung, Mike; Garred, John X.; Mizer, Susan L.; Tucker, Emily, System and method for generation of customized cards having a gift value associated therewith.
Cline, Andrea; Parks, Marilyn; Weigand, Johannes; Lietz, Abram P.; Hunt, Yolette; Fogarty, Brendan M., System and method for offering and managing online purchasing card transactions.
Muehlberger Karl H. (Lakeland FL) Francis Gary W. (Lakeland FL), System and method for processing credit and debit card validity and funds transactions from vending machines and similar.
Chien, Emily; Sanchez, Trish; Saunders, Daniela; Wiseman, Jill; Balagopal, C R; Kinderknecht, Al; Parson, Jon W.; Preston, Ray, System and method for using loyalty rewards as currency.
Ahlers, Rebecca; Crowe, Andrew B.; Galit, Scott H.; Sorbe, Trent, System, non-transitory memory with computer program, and associated methods for micro-credit to prepaid cards.
Ahlers, Rebecca; Crowe, Andrew B.; Galit, Scott H.; Sorbe, Trent, System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card.
Ahlers, Rebecca; Crowe, Andrew B.; Galit, Scott H.; Sorbe, Trent, System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card.
Ahlers, Rebecca; Crowe, Andrew B.; Galit, Scott H.; Sorbe, Trent, System, program product, and associated methods to autodraw for micro-credit attached to prepaid card.
Bishop,Fred; Barrett,Michael R.; Armes,David; Wojciechowski,Lee A.; Madhineni,Madhukar; Krishnan,Vilayanur Parameswaran; McKay,Joshua B.; Gebb,Lucas, Systems and methods for facilitating commercial transactions between parties residing at remote locations.
Hakamada Ikuhiro (3 Dormitory 2101 ; 527 Imazato Susono City ; Shizuoka Prefecture JPX), Telephone card having calendar and system for issuing and using same.
Ahearn Kathleen M. (San Jose CA) Albal Nandakishore A. (Pataskala OH) Cottrell Daniel D. (Geneva IL) Harris Richard M. (Hoboken NJ) Ladieu-Walton Julie M. (Lawrenceville NJ) Razavi Hamid C. (Highland, Telephone network credit card calling apparatus and method of operation to determine validation and fraudulent use of cr.
Davis Terry L. (Scottsdale AZ) Hart James A. (Radnor PA) Imperia Vincent A. (Tempe AZ) Love Michael (Wilmington DE) O\Malley Michael F. (Glenside PA) Russell James F. (Hockessin DE) Sears John W. (Pe, Transaction system for integrated circuit cards.
Abraham Dennis G. (Concord NC) Aden Steven G. (Charlotte NC) Arnold Todd W. (Charlotte NC) Neckyfarow Steven W. (Charlotte NC) Rohland William S. (Charlotte NC), Transaction system security method and apparatus.
Abraham Dennis G. (Concord NC) Aden Steven G. (Charlotte NC) Arnold Todd W. (Charlotte NC) Neckyfarow Steven W. (Charlotte NC) Rohland William S. (Charlotte NC), Transaction system security method and apparatus.
Sorbe, Trent; Larson, Troy, Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account.
Sorbe, Trent; Larson, Troy, Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account.
Perkowski, Thomas J., Web-based electronic commerce (EC) enabled shopping network configured to allow members of a consumer product management team and authorized parties to communicate directly with consumers shopping at EC-enabled websites along the world wide web (WWW), using multi-mode virtual kiosks (MMVKS) driven by server-side components and managed by product team members.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.