US5945653A
Expired / Lapsed
US
⏱️ 0.0 years remaining
System and method for establishing and executing functions to affect credit card accounts and transactions
Assignee: PayPal Inc
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Filing: 1997-06-26
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Granted: 1999-08-31
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Expires: 2017-06-26
Abstract
Abstract A system and process for establishing a function having a corresponding function identifier. The function is adapted to be processed during a transaction such as a point-of-sale transaction that may involve a credit card. The system and process involve identifying an account having an account identifier, establishing a function having a function identifier, and receiving a transaction request including the account identifier, a transaction amount, and the function identifier. The system and process also process the transaction in accordance with the function to affect the transaction and, possibly, the transaction amount. An affect on the account is also contemplated. Additionally, the system and process are adapted to allow message to be presented by customers and credit card holders during a transaction for later appearance on a credit card statement or other notice.
Inventors
- 👤 Jay S. Walker
- 👤 Sanjay K. Jindal
- 👤 Daniel E. Tedesco
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 19:50
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/357; G06Q20/38; G06Q20/382; G06Q20/3823; G06Q30/00; G06Q30/04
Claims Analysis
Total Claims: 38
Claim 1
Independent Claim
94 words
A method for determining the terms of a transaction, comprising the steps of: receiving, from a POS terminal, a request to process a transaction, the request including a transaction amount, an account identifier and a function identifier, the account identifier corresponding to an account, and the function identifier corresponding to an operation defining special purchase terms; recording data representing a link between the function identifier and the transaction; transmitting, to the POS terminal, an authorization code in response to the request; and processing the transaction in accordance with the operation to affect the account.
Claim 2
Independent Claim
94 words
A method for determining the terms of a transaction, comprising the steps of: receiving, from a POS terminal, a request to process a transaction, the request including a transaction amount, an account identifier and a function identifier, the account identifier corresponding to an account, and the function identifier corresponding to an operation defining special purchase terms; recording data representing a link between the function identifier and the transaction; transmitting, to the POS terminal, an authorization code in response to the request; and processing the transaction in accordance with the operation to affect the account.
Claim 3
Dependent Claim
14 words
The method of claim 1 wherein the operation represents application of a discount amount.
Claim 4
Dependent Claim
14 words
The method of claim 1 wherein the operation represents application of a percentage discount.
Claim 5
Dependent Claim
15 words
The method of claim 1 wherein the operation represents application of a special interest arrangement.
Claim 6
Dependent Claim
14 words
The method of claim 1 wherein the operation represents a period of reduced payment.
Claim 7
Independent Claim
87 words
A method for identifying the terms of a transaction at a point-of-sale, the method comprising the steps of: receiving an account identifier and a function identifier, the account identifier corresponding to an account, the function identifier corresponding to an operation defining special purchase terms; determining a first transaction amount; transmitting a request for authorization, the request including the account identifier, the function identifier and the first transaction amount; receiving an authorization notice including a second transaction amount; and processing the transaction based on the second transaction amount.
Claim 8
Independent Claim
87 words
A method for identifying the terms of a transaction at a point-of-sale, the method comprising the steps of: receiving an account identifier and a function identifier, the account identifier corresponding to an account, the function identifier corresponding to an operation defining special purchase terms; determining a first transaction amount; transmitting a request for authorization, the request including the account identifier, the function identifier and the first transaction amount; receiving an authorization notice including a second transaction amount; and processing the transaction based on the second transaction amount.
Claim 9
Dependent Claim
17 words
The method of claim 6, further comprising the step of transmitting a request for the function identifier.
Claim 10
Independent Claim
73 words
A method for processing a cardholder message, the method comprising the steps of: receiving a request to process a transaction, the request including a transaction amount, an account identifier and a cardholder message identifier representing a cardholder message; establishing an association between the cardholder message and the transaction; and storing at least one of the cardholder message identifier and the cardholder message, thereby indicating the association between the cardholder message and the transaction.
Claim 11
Independent Claim
73 words
A method for processing a cardholder message, the method comprising the steps of: receiving a request to process a transaction, the request including a transaction amount, an account identifier and a cardholder message identifier representing a cardholder message; establishing an association between the cardholder message and the transaction; and storing at least one of the cardholder message identifier and the cardholder message, thereby indicating the association between the cardholder message and the transaction.
Claim 12
Dependent Claim
21 words
The method of claim 8 wherein the cardholder message is a message code selected from a set of predefined message codes.
Claim 13
Dependent Claim
17 words
The method of claim 8, further comprising the step of transmitting a request for the cardholder message.
Claim 14
Dependent Claim
20 words
The method of claim 8, further comprising outputting the cardholder message on a billing statement associated with the account identifier.
Claim 15
Dependent Claim
127 words
A credit card central controller for determining the terms of a transaction, the credit card central controller comprising: a processor; a memory connected to said processor storing a program to control the operation of said processor; the processor operative with the program in the memory to: receive, from a POS terminal, a request to process a transaction, the request including a transaction amount, an account identifier and a function identifier, the account identifier corresponding to an account, and the function identifier corresponding to an operation defining special purchase terms; record data representing a link between the function identifier and the transaction; transmit, to the POS terminal, an authorization code in response to the request; and process the transaction in accordance with the operation to affect the account.
Claim 16
Dependent Claim
127 words
A credit card central controller for determining the terms of a transaction, the credit card central controller comprising: a processor; a memory connected to said processor storing a program to control the operation of said processor; the processor operative with the program in the memory to: receive, from a POS terminal, a request to process a transaction, the request including a transaction amount, an account identifier and a function identifier, the account identifier corresponding to an account, and the function identifier corresponding to an operation defining special purchase terms; record data representing a link between the function identifier and the transaction; transmit, to the POS terminal, an authorization code in response to the request; and process the transaction in accordance with the operation to affect the account.
Claim 17
Dependent Claim
114 words
A POS terminal for identifying the terms of a transaction at a point-of-sale, the POS terminal comprising: a processor; a memory connected to the processor storing a program to control the operation of the processor; the processor operative with the program in the memory to: receive an account identifier and a function identifier, the account identifier corresponding to an account, the function identifier corresponding to an operation defining special purchase terms; determine a first transaction amount; transmit a request for authorization, the request including the account identifier, the function identifier and the first transaction amount; receive an authorization notice including a second transaction amount; and process the transaction based on the second transaction amount.
Claim 18
Dependent Claim
114 words
A POS terminal for identifying the terms of a transaction at a point-of-sale, the POS terminal comprising: a processor; a memory connected to the processor storing a program to control the operation of the processor; the processor operative with the program in the memory to: receive an account identifier and a function identifier, the account identifier corresponding to an account, the function identifier corresponding to an operation defining special purchase terms; determine a first transaction amount; transmit a request for authorization, the request including the account identifier, the function identifier and the first transaction amount; receive an authorization notice including a second transaction amount; and process the transaction based on the second transaction amount.
Claim 19
Dependent Claim
23 words
The POS terminal of claim 13, wherein the processor is further operative with the program to transmit a request for the function identifier.
Claim 20
Dependent Claim
104 words
A credit card central controller for processing a cardholder message, the credit card central controller comprising: a processor; a memory connected to the processor storing a program to control the operation of the processor; the processor operative with the program in the memory to: receive a request to process a transaction, the request including a transaction amount, an account identifier and a cardholder message identifier representing a cardholder message; establish an association between the cardholder message and the transaction; and store at least one of the cardholder message identifier and the cardholder message, thereby indicating the association between the cardholder message and the transaction.
Claim 21
Dependent Claim
104 words
A credit card central controller for processing a cardholder message, the credit card central controller comprising: a processor; a memory connected to the processor storing a program to control the operation of the processor; the processor operative with the program in the memory to: receive a request to process a transaction, the request including a transaction amount, an account identifier and a cardholder message identifier representing a cardholder message; establish an association between the cardholder message and the transaction; and store at least one of the cardholder message identifier and the cardholder message, thereby indicating the association between the cardholder message and the transaction.
Claim 22
Dependent Claim
25 words
The credit card central controller of claim 15, wherein the processor is further operative with the program to transmit a request for the cardholder message.
Claim 23
Dependent Claim
31 words
The credit card central controller of claim 15, wherein the processor is further operative with the program to output the cardholder message on a billing statement associated with the account identifier.
Claim 24
Dependent Claim
102 words
A credit card central controller for determining the terms of a transaction, comprising: means for receiving, from a POS terminal, a request to process a transaction, the request including a transaction amount, an account identifier and a function identifier, the account identifier corresponding to an account, and the function identifier corresponding to an operation defining special purchase terms; means for recording data representing a link between the function identifier and the transaction; means for transmitting, to the POS terminal, an authorization code in response to the request; and means for processing the transaction in accordance with the operation to affect the account.
Claim 25
Dependent Claim
102 words
A credit card central controller for determining the terms of a transaction, comprising: means for receiving, from a POS terminal, a request to process a transaction, the request including a transaction amount, an account identifier and a function identifier, the account identifier corresponding to an account, and the function identifier corresponding to an operation defining special purchase terms; means for recording data representing a link between the function identifier and the transaction; means for transmitting, to the POS terminal, an authorization code in response to the request; and means for processing the transaction in accordance with the operation to affect the account.
Claim 26
Dependent Claim
93 words
A POS terminal for identifying the terms of a transaction at a point-of-sale, comprising: means for receiving an account identifier and a function identifier, the account identifier corresponding to an account, the function identifier corresponding to an operation defining special purchase terms; means for determining a first transaction amount; means for transmitting a request for authorization, the request including the account identifier, the function identifier and the first transaction amount; means for receiving an authorization notice including a second transaction amount; and means for processing the transaction based on the second transaction amount.
Claim 27
Dependent Claim
93 words
A POS terminal for identifying the terms of a transaction at a point-of-sale, comprising: means for receiving an account identifier and a function identifier, the account identifier corresponding to an account, the function identifier corresponding to an operation defining special purchase terms; means for determining a first transaction amount; means for transmitting a request for authorization, the request including the account identifier, the function identifier and the first transaction amount; means for receiving an authorization notice including a second transaction amount; and means for processing the transaction based on the second transaction amount.
Claim 28
Dependent Claim
17 words
The POS terminal of claim 19, further comprising means for receiving a request for the function identifier.
Claim 29
Dependent Claim
82 words
A credit card central controller for processing a cardholder message, the credit card central controller comprising: means for receiving a request to process a transaction, the request including a transaction amount, an account identifier and a cardholder message identifier representing a cardholder message; means for establishing an association between the cardholder message and the transaction; and means for storing at least one of the cardholder message identifier and the cardholder message, thereby indicating the association between the cardholder message and the transaction.
Claim 30
Dependent Claim
82 words
A credit card central controller for processing a cardholder message, the credit card central controller comprising: means for receiving a request to process a transaction, the request including a transaction amount, an account identifier and a cardholder message identifier representing a cardholder message; means for establishing an association between the cardholder message and the transaction; and means for storing at least one of the cardholder message identifier and the cardholder message, thereby indicating the association between the cardholder message and the transaction.
Claim 31
Dependent Claim
19 words
The credit card central controller of claim 21, further comprising means for transmitting a request for the cardholder message.
Claim 32
Dependent Claim
25 words
The credit card central controller of claim 21, further comprising means for outputting the cardholder message on a billing statement associated with the account identifier.
Claim 33
Dependent Claim
112 words
A computer-readable storage medium encoded with processing instructions for implementing, a method for determining the terms of a transaction, said processing instructions for directing a computer to perform the steps of: receiving, from a POS terminal, a request to process a transaction, the request including a transaction amount, an account identifier and a function identifier, the account identifier corresponding to an account, and the function identifier corresponding to an operation defining, special purchase terms; recording data representing a link between the function identifier and the transaction; transmitting, to the POS terminal, an authorization code in response to the request; and processing the transaction in accordance with the operation to affect the account.
Claim 34
Dependent Claim
112 words
A computer-readable storage medium encoded with processing instructions for implementing, a method for determining the terms of a transaction, said processing instructions for directing a computer to perform the steps of: receiving, from a POS terminal, a request to process a transaction, the request including a transaction amount, an account identifier and a function identifier, the account identifier corresponding to an account, and the function identifier corresponding to an operation defining, special purchase terms; recording data representing a link between the function identifier and the transaction; transmitting, to the POS terminal, an authorization code in response to the request; and processing the transaction in accordance with the operation to affect the account.
Claim 35
Dependent Claim
103 words
A computer-readable storage medium encoded with processing instructions for implementing a method for identifying the terms of a transaction at a point-of-sale, said processing instructions for directing a computer to perform the steps of: receiving an account identifier and a function identifier, the account identifier corresponding to an account, the function identifier corresponding to an operation defining special purchase terms; determining a first transaction amount; transmitting a request for authorization, the request including the account identifier, the function identifier and the first transaction amount; receiving an authorization notice including a second transaction amount; and processing the transaction based on the second transaction amount.
Claim 36
Dependent Claim
103 words
A computer-readable storage medium encoded with processing instructions for implementing a method for identifying the terms of a transaction at a point-of-sale, said processing instructions for directing a computer to perform the steps of: receiving an account identifier and a function identifier, the account identifier corresponding to an account, the function identifier corresponding to an operation defining special purchase terms; determining a first transaction amount; transmitting a request for authorization, the request including the account identifier, the function identifier and the first transaction amount; receiving an authorization notice including a second transaction amount; and processing the transaction based on the second transaction amount.
Claim 37
Dependent Claim
89 words
A computer-readable storage medium encoded with processing instructions for implementing a method for processing a cardholder message, said processing instructions for directing a computer to perform the steps of: receiving a request to process a transaction, the request including a transaction amount, an account identifier and a cardholder message identifier representing a cardholder message; establishing an association between the cardholder message and the transaction; and storing at least one of the cardholder message identifier and the cardholder message, thereby indicating the association between the cardholder message and the transaction.
Claim 38
Dependent Claim
89 words
A computer-readable storage medium encoded with processing instructions for implementing a method for processing a cardholder message, said processing instructions for directing a computer to perform the steps of: receiving a request to process a transaction, the request including a transaction amount, an account identifier and a cardholder message identifier representing a cardholder message; establishing an association between the cardholder message and the transaction; and storing at least one of the cardholder message identifier and the cardholder message, thereby indicating the association between the cardholder message and the transaction.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2002-08-30 | 2003-03-01 | 2003-08-31 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-08-30 | 2007-03-01 | 2007-08-31 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-08-30 | 2011-03-01 | 2011-08-31 | $7700.00 | Window Closed / Lapsed |