Payment program for use in point-of-sale transactions

US7740171B2 · kind B2 · utility

Assignee

• Blackhawk Network, Inc. · US

Inventors

• Donald Kingsborough · Danville, US
• Talbott Roche · Belvedere, US
• Teri Llach · Palo Alto, US
• Julianna Shaw · Hillsborough, US

Key dates

• Filing date: Jul 25, 2006
• Grant date: Jun 22, 2010
• Expiry date: Sep 25, 2027

Classification

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

Abstract

In some embodiments, the present application relates to card-free programs provided by a merchant to a customer, whereby the customer has access to functions such as payment options and/or loyalty program benefits without needing to present a physical card at a point of sale. For example, a customer may make a card-free purchase of goods or services from a merchant, whereby the customer need not present a card such as a debit card, credit card, loyalty card, or other physical tender to make a purchase. Further, the customer need not provide biometric data or otherwise use an electronic device or identifier to make a purchase. Alternatively or additionally, the customer may access a loyalty program without needing to provide a physical card or data associated with a card.