Browse Prior Art Database

Remote Transactions Preprocessing for More Customer Safety and Less Vendor Liability

IP.com Disclosure Number: IPCOM000012267D
Original Publication Date: 2003-Apr-23
Included in the Prior Art Database: 2003-Apr-23
Document File: 2 page(s) / 47K

Publishing Venue

IBM

This text was extracted from a PDF file.
This is the abbreviated version, containing approximately 52% of the total text.

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  Remote Transactions Preprocessing for More Customer Safety and Less Vendor Liability

  Disclosed is a method for remote transaction processing for more customer safety and less vendor liability. We wirelessly pre-approve transactions so that the pickup can be quick and safe.

Lengthy transactions in isolated public places gives the time for a criminal to size up the opportunity and to approach. ATMs (automated teller machines) are an example. Also, long lines for pickup can be a problem in terms of wasted time in line and at the pickup counter.

Pre-approving the transaction, allows materials to be made ready for pickup without delay. This increases convenience for the customer by making pickup fast, and it creates a smaller window of time for criminals to act. Otherwise, a vendor may cause public transaction in isolated public places to become lengthy, and may then face liability for not doing enough to protect customers from criminals.

Here is an example applied to Automated Teller Machines (ATMs). Pickup is speeded through two steps. A wireless-network Personal Digital Assistant (PDA) or cell phone allows a simple procedure.

Leisurely pre-approval in which the bank and the customer together authorize

the transaction. Just outside the pick-up spot, so the system can use PDA or cell-phone position detection to know where the pickup will be done and when (now) the wireless-network PDA or cell phone, customers identify themselves and authorize the upcoming interaction.

traverse options for the pickup ("Do you want a receipt, an account balance,

  etc.?"). Quick pickup in which customers, when they are comfortable with the situation,

step up to the pickup spot and hit a single key to identify themselves through the wireless-network PDA or


1.


2.


a.


b.


a.


b.

Step 1a, authorization, need not be the person authorizing himself, but may instead be someone authorizing another person who will do the pickup. The authorization that passes between steps 1 and 2 may be to a person's identity or it may be a use-once token similar to a use-once credit card number, which will be exhausted upon pickup.

Existing ATM hardware is compatible with the scenario and advantages above, although additional programming is needed. But by adding hardware there may be additional benefits. Materials for the customer may be preprinted, pre-counted, and pre-loaded so that they are ready to go. No waiting as there is now. For ATMs, for example, these benefits will require hardware changes to add several cubby-holes for a number of customer documents and products to be pre-loaded...