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1. (WO2018057874) PROMOTING DIGITAL CURRENCY BY REDUCING USE OF COIN CHANGE DURING RETAIL TRANSACTIONS
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Pub. No.: WO/2018/057874 International Application No.: PCT/US2017/052932
Publication Date: 29.03.2018 International Filing Date: 22.09.2017
IPC:
G06Q 20/20 (2012.01) ,G06Q 30/06 (2012.01) ,G07D 1/06 (2006.01) ,G07G 1/01 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
20
Point-of-sale [POS] network systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30
Commerce, e.g. shopping or e-commerce
06
Buying, selling or leasing transactions
G PHYSICS
07
CHECKING-DEVICES
D
HANDLING OF COINS OR OF PAPER CURRENCY OR SIMILAR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
1
Coin dispensers
02
giving change
06
dispensing the difference between a sum paid and a sum charged
G PHYSICS
07
CHECKING-DEVICES
G
REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
1
Cash registers
01
Details for indicating
Applicants:
HWANG, Francis, N. [US/US]; US
Inventors:
HWANG, Francis, N.; US
Agent:
FITCH, Gabriel; US
Priority Data:
15/712,04421.09.2017US
62/495,86126.09.2016US
62/495,87126.09.2016US
62/495,87326.09.2016US
62/497,62728.11.2016US
Title (EN) PROMOTING DIGITAL CURRENCY BY REDUCING USE OF COIN CHANGE DURING RETAIL TRANSACTIONS
(FR) PROMOTION DE DEVISE NUMÉRIQUE EN RÉDUISANT L'UTILISATION DE RENDU DE MONNAIE EN PIÈCES PENDANT DES TRANSACTIONS DE VENTE AU DÉTAIL
Abstract:
(EN) Systems and methods for crediting a customer account with change from cash based monetary transactions to avoid disbursing non-whole dollar change are provided. One such system includes a point of sale device configured to receive information indicative of a whole dollar cash amount received from a customer to complete a monetary transaction, read a customer account number from a customer account indicating device and generate a data set including a non-whole dollar change owed to the customer and the customer account number; and a payment processor configured to debit a bank of the retailer in an amount of the non- whole dollar change, and credit the customer account in the amount of the non-whole dollar change, and a bucket system configured to provide a software interface enabling the customer to withdraw a portion of a total of the customer account, and dispense the portion to the customer.
(FR) L'invention concerne des systèmes et des procédés permettant de créditer un compte de client avec de la monnaie provenant de transactions monétaires en espèces pour éviter de débourser de la monnaie en fractions de dollar. Un tel système comprend un dispositif de point de vente configuré pour recevoir des informations indiquant un montant en espèces en dollars entiers reçu d'un client pour effectuer une transaction monétaire, lire un numéro de compte de client à partir d'un dispositif d'indication de compte de client et produire un ensemble de données contenant la monnaie en fractions de dollar due au client et le numéro de compte de client ; et un processeur de paiement configuré pour débiter de la banque du détaillant un montant de la monnaie en fractions de dollar, et créditer sur le compte du client le montant de la monnaie en fractions de dollar, et un système de tampon configuré pour fournir une interface logicielle permettant au client de prélever une partie d'un total du compte de client, et de distribuer la partie au client.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)