US Patent No: 6,330,548
Number of patents in Portfolio can not be more than 2000
Method and apparatus for providing and processing installment plans at a terminal
Stats
-
Dec 11, 2001
Issued date -
Jan 25, 2000
filing date -
09/490,898
serial no -
In Force
status
Importance
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Abstract
A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase price. The installment plan identifiers are based on the purchase price and/or the financial account identifier. For example, certain accounts or certain high purchase prices may merit preferred installment plans. The installment plan identifiers are transmitted to the POS terminal. A purchaser at the POS terminal selects whether he would like to pay for his purchase in installments and, if so, using which installment plan. The POS terminal generates a selection signal indicative of whether to accept any of the installment plans, and transmits the selection signal to the central controller. The central controller receives the selection signal. If the selection signal indicates acceptance of any installment plan, use of the accepted installment plan for the financial account is authorized. Thereafter, bills are generated which reflect installment charges to be paid.
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First Claim
Related Publications
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International Classification(s)
- [Classification Symbol]
- [Patents Count]
Cited Art
| Patent Info | (Count) | # Cites | Year |
|---|---|---|---|
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| 5,371,796 Data communication system | 67 | 1993 | |
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| 4,815,741 Automated marketing and gaming systems | 339 | 1987 | |
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| 5,287,268 Centralized consumer cash value accumulation system for multiple merchants | 374 | 1992 | |
| 5,309,355 Automated sales system | 204 | 1993 | |
| 5,380,991 Paperless coupon redemption system and method thereof | 255 | 1993 | |
| 5,615,269 Ideal electronic negotiations | 229 | 1996 | |
Patent Citation Ranking
Maintenance Fees
| Fee | Large entity fee | small entity fee | micro entity fee | due date |
|---|---|---|---|---|
| 11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Jun 11, 2013 |
| Fee | Large entity fee | small entity fee | micro entity fee |
|---|---|---|---|
| Surcharge - 11.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
| Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
| Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |