Method and system for delivering products and services to a point of sale location

US7295992B2 · kind B2 · utility

Assignee

• HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. · US

Inventors

• Jean-Marc Villaret · Paris, FR
• William Taylor · Houston, US
• Kevin Ritschel · San Jose, US
• Nicholas C. Epperson · Honolulu, US

Key dates

• Filing date: May 4, 2001
• Grant date: Nov 13, 2007
• Expiry date: Nov 20, 2023

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/03
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method and a system for using an electronic funds transaction point of sale (EFTPOS) payment system to provide products and services to a point of sale location without compromising the security of payment processing by the EFTPOS payment system. In one example embodiment, the EFTPOS terminal arrangement is coupled to a first vendor data processing system (DPS) hosting a first application and is coupled to a financial institution DPS hosting a second application, wherein the terminal arrangement hosts one or more payment applications and one or more non-payment applications. The method includes accessing the first application at the first vendor DPS via the non-payment application of the EFTPOS terminal arrangement and selecting a product via the non-payment application and offered by the first application on the first vendor DPS. A set of customer-specific financial account data is transmitted from the payment application of the EFTPOS to the second application on the financial institution DPS for processing payment for the product. A transaction confirmation is then received via the EFTPOS terminal arrangement from the second application on the financial institution DPS in resp…