Server for processing a tab for a customer at a merchant premises

Patent metadata

Field	Value
Publication number	US-10909520-B2
Application number	US-201816009361-A
Country	US
Kind code	B2
Filing date	Jun 15, 2018
Priority date	Jun 16, 2017
Publication date	Feb 2, 2021
Grant date	Feb 2, 2021

Abstract

A server to process a tab for a customer at a merchant premises may provide a list of candidate merchant premises to a customer mobile device, receive a signal indicating a user selection of one of the candidate merchant premises, receive payment card details for the customer mobile device, obtain a specific code for a tab at the selected merchant premises, send to the customer mobile device the specific code, receive a signal from a Point of Sale (POS) terminal of the selected merchant premises, associate the customer mobile device with an open tab maintained by the POS terminal, receive from the POS terminal at least one identifier and amount for each purchase of the open tab, request payment of at least a portion of a balance of the open tab from a payment gateway using the payment card details, and notify the POS terminal of the payment.

First claim

The invention claimed is:

1. A server for processing a tab for a customer at a merchant premises, the server being configured to:
provide a list of candidate merchant premises to a customer mobile device;
receive from the customer mobile device, a signal indicating a selection of a selected merchant premises of the candidate merchant premises on said list;
receive payment card details for the customer mobile device;
obtain a specific code for a tab at the selected merchant premises;
send to the customer mobile device said specific code;
receive a signal from a Point of Sale (POS) terminal of said selected merchant premises, indicating entry of said specific code into said POS terminal;
based on the specific code, associate said customer mobile device with an open tab maintained by said POS terminal, said open tab comprising at least one identifier and an amount for each of at least one purchase of said customer at said selected merchant premises;
receive from said POS terminal said at least one identifier and the amount for each purchase of said open tab;
responsive to one of said received at least one identifier comprising a specific identifier and a specific amount indicating that a user of said POS terminal wishes to close said tab, request payment of at least a portion of a balance of said open tab from a payment gateway using said payment card details; and
responsive to receiving notification of said payment, notify said POS terminal of said payment.

2. A server according to claim 1 which is responsive to at least one of said at least one identifier comprising at least one previous identifier and amount relate to a round of purchases, to group said at least one previous identifier into a round and provide an indication to said customer mobile device;
receive a request for payment of at least one round of purchases from a requesting customer mobile device;
request payment corresponding to said at least one round of purchases from a payment gateway using payment card details for said requesting customer mobile device; and
responsive to receiving notification of said payment, notify said POS terminal of said payment.

3. A server according to claim 1 further comprising one or more of:
checking the validity of said payment card details with a 3 rd party service; or
pre-authorising a payment amount for said payment card, prior to sending to the customer mobile device said specific code.

4. A server according to claim 1 wherein said specific amount is one of: a zero amount; a null value; or an invalid amount which does not affect a balance for said open tab.

5. A server according to claim 1 configured to receive a geo-spatial location of a customer mobile device from said customer mobile device and to provide said list of candidate merchant premises based on their proximity to said geo-spatial location.

6. A server according to claim 1 , wherein the specific code comprises one of a numerical code; an alpha-numeric code or a Quick Response (QR) code.

7. A method for processing a tab for a customer at a merchant premises comprising:
providing a list of candidate merchant premises to a customer mobile device;
receiving from the customer mobile device, a signal indicating a selection of a selected merchant premises of the candidate merchant premises on said list;
receiving payment card details for the customer mobile device;
obtaining a specific code for a tab at the selected candidate merchant premises;
sending to the customer mobile device said specific code;
receiving a signal from a Point of Sale (POS) terminal of said selected merchant premises, indicating entry of said specific code into said POS terminal;
based on the specific code, associating said customer mobile device with an open tab maintained by said POS terminal, said open tab comprising at least one identifier and an amount for each purchase of said customer at said selected merchant premises;
receiving from said POS terminal said at least one identifier and the amount for each purchase of said open tab;
responsive to one of said received at least one identifier comprising a specific identifier and a specific amount indicating that a user of said POS terminal wishes to close said tab, requesting payment of at least a portion of a balance of said open tab from a payment gateway using said payment card details; and
responsive to receiving notification of said payment, notifying said POS terminal of said payment.

8. A computer program product comprising a non-transitory computer readable medium on which instructions are stored which, when executed on a computer system, are configured for performing the steps of claim 7 .

9. The method of claim 7 , wherein said specific amount is one of: a zero amount; a null value; or an invalid amount which does not affect a balance for said open tab.

10. The method of claim 9 , wherein said specific amount is the zero amount.

11. The method of claim 9 , wherein said specific amount is the null value.

12. The method of claim 9 , wherein said specific amount is the invalid amount.

13. The method of claim 9 , wherein the specific amount is different from each of a value of the portion of the balance of said open tab and the specific code, wherein the specific amount is a null value, or an invalid amount.

14. A server according to claim 4 , wherein said specific amount is the zero amount.

15. A server according to claim 4 , wherein said specific amount is the null value.

16. A server according to claim 4 , wherein said specific amount is the invalid amount.

17. A server according to claim 1 , wherein the specific amount is different from each of a value of the portion of the balance of said open tab and the specific code, wherein the specific amount is a null value, or an invalid amount.

Assignees

• Mastercard International Inc

Inventors

• Tutte Ramson
• Lone Ishfaq
• Mora Marcia

Classifications

• G06Q20/385 Primary

  using an alias or single-use codes · CPC title

• G06Q50/12

  Hotels or restaurants · CPC title

• G06Q30/06

  Buying, selling or leasing transactions · CPC title

• G06Q20/208 Primary

  Input by product or record sensing, e.g. weighing or scanner processing · CPC title

• G06Q30/0633

  Managing shopping lists, e.g. compiling or processing purchase lists (shipping orders G06Q10/083; order filling G06Q10/087) · CPC title