`US 20110173060A1
`
`(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2011/0173060 A1
`
`(43) Pub. Date: Jul. 14, 2011
`Gallagher
`
`(54)
`
`GUEST CHECK PRESENTER HAVING A
`WIRELESS COMMUNICATION DEVICE
`
`(52) US. Cl. ........................................ 705/1427; 705/15
`
`(76)
`
`Inventor:
`
`Kevin N. Gallagher, Greenwich,
`CT (US)
`
`(57)
`
`ABSTRACT
`
`(21)
`
`App]. No.:
`
`12/987,547
`
`(22)
`
`Filcd:
`
`Jan. 10, 2011
`
`Related US. Application Data
`
`(60)
`
`Provisional application No. 61/293,461, filed on Jan.
`8, 2010.
`
`Publication Classification
`
`(51)
`
`Int. Cl.
`G06Q 50/00
`G06Q 30/00
`G06Q 20/00
`
`(2006.01)
`(2006.01)
`(2006.01)
`
`A guest check presenter for a food establishment is provided.
`The guest check presenter includes a holder for holding a
`guest check information and a wireless communication
`device attached to the holder and adapted to communicate
`with a Wireless mobile device of the guest. The wireless
`communication device contains a guest check identifier that
`identifies the guest check. The guest check identifier is
`adapted to be retrieved by the Wireless mobile device of the
`guest for use in providing various useful mobile services that
`are associated with the food establishment or the food con-
`sumed by the guest. Thus, the check presenter is used as a
`platform for providing such mobile services as mobile pay-
`ment of the guest check and loyalty coupons.
`
`66
`
`
`
`58
`
`50
`._____1 __________
`RESTAURANTMANAGEMENT
`NUTRHTON
`SYSTEM
`
`SYSTEM
`PAYMENT
`
`
`PROCESQNG
` RESTAURANT
`
`
`SYSTEM
`
`
`
`INTERFACE
`SYSTEM
`
`
`
`
`
`RESTAURANT
`
`POS
`SYSTEM
`
`
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`US 2011/0173060 A1
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`FIG. 1B
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`66
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` 50
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`mm} __________
`58
`RESTAURANT MANAGEMENT
` NUTRITION
`
`SYSTEM
`SYSTEM
`
`
`PAYMENT
`
`PROCESSING
`
`RESTAURANT
`
`
`SYSTEM
`
`INTERFACE
`
`
`SYSTEM
`
`
` ; RESII’AOUSRANT
`
`;(
`
`SYSTEM
`
`
`
`FIG. 2
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`25
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`12
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`28
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`
`
`I
`CPU - PROGRAMSTORAGE
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`
`MEMORY
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`DATA STORAGE
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`24
`
`FIG. 3
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`100
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`RESTAURANT POS MODULE WRITES FACILITATING
`INFORMATION TO GUEST CHECK PRESENTER
`
`WAITER BRINGS PROGRAMMED GUEST CHECK
`PRESENTER TO GUEST
`
`104
`
`GUEST BRINGS MOBILE DEVICE NEAR
`THE GUEST CHECK PRESE’NTER
`
`
`
`106
`
` 102
`*1
` 116
`
`
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`MOBILE DEVICE READS STORED
`INFORMATION FROM THE GUEST
`
`
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`MOBILES DEVICE RECEIVES GUEST CHECK DETAILS \J FROM RESTAURANT INTERFACE SYSTEM
`
`108
`
`110
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`GUEST; REVIEWS BILL AND ADDS GRATUITY
`
`112
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`MOBILE DEVICE RETRIEVES FINANCIAL INSTRUMENT
`INFORMATION FROM MOBILE DEVICE
`
`MOBILE DEVICE TRANSMITS PAYMENT INFORMATION TO
`RESTAURANT INTERFACE SYSTEM
`
`RESTAURANT INTERFACE SYSTEM RELAYS
`INFORMATION TO PAYMENT PROCESSING SYSTEM
`
`PAYMENT APPROVAL MESSAGE TRANSMITTED TO
`MOBILE DEVICE AND TO RESTAURANT POS SYSTEM
`
`114
`
`118
`
`FIG. 4
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`FIG. 5
`
`
`
`
`
`150
`
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`MOBILE DEVICE TRANSMITS FINANCIAL
`INSTRUMENT INFORMATION AND TOTAL AMOUNT
`TO GUEST CHECK PRESENTER
`
` 152
`
` 156
`
`WAITER PROCESSES PAYMENT USING THE
`RESTAURANT POS SYSTEM
`
`RESTAURANT POS SYSTEM PROCESSES PAYMENT
`OF THE GUEST CHECK
`
`-
`
`.
`
`PAYMENT APPROVAL MESSAGE TRANSMITTED TO
`MOBILE DEVICE AND TO RESTAURANT POS SYSTEM
`
`154
`
`
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`FIG. 6
`
`
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`MOBILE DEVICE TRANSMITS FINANCIAL INSTRUMENT
`INFORMATION AND TOTAL AMOUNT TO
`RESTAURANT POS SYSTEM
`
`
`
`202
`
`
`RESTAURANT POS SYSTEM TRANSMITS PAYMENT
`AUTHORIZATION INFORMATION TO RESTAURANT ,
`
`
`INTERFACE SYSTEM
`
`
`
`PAYMENT APPROVAL MESSAGE TRANSMITTED TO
`A MOBILE DEVICE AND TO RESTAURANT POS SYSTEM
`
`
`200
`
`204
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`FIG. 7
`
`210
`
`
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`MOBILE DEVICE RECEIVES NUTRITIONAL I CALORIC
`INFORMATION DETAILS FROM NUTRITION SYSTEM
`
`
`212 214
`
`MOBILE DEVICE RETRIEVES DIETARY APP
`FROM MOBILE DEVICE
`
`
`
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`DIETARY APP ON MOBILE DEVICE DECONSTRUCTS,
`
`GROUP AND MATCHES NUTRITIONAL I CALORIC DATA TO
`
`FOOD CONSUMED BY PORTION BY EACH GUEST AT
`
`MULTI GUEST TABLE
`
`
`MOBILE DEVICE ACTIVATES AN NFC PEER TO PEER LINK
`
`
`WITH OTHER MOBILE DEVICES AT THE TABLE AND
`PASSES APPROPRIATE NUTRITIONAL I CALORIC
`
`DATA TO EACH GUEST
`
`216
`
`FIG. 8
`250
` RESTAURANT INTERFACE SYSTEM LINKS TO GUEST
`
`PREFERENCE DATABASE
`
`
`
`LOYALTY COUPON TRANSMITTED TO MOBILE DEVICE
`
`
`MOBILE DEVICE ORGANIZES AND STORES LOYALTY
`
`
`COUPON FOR FUTURE REDEMPTION DURING
`NEXT VISIT TO RESTAURANT
`
`
`252
`
`254
`
`
`
`
`252
`NJ
`
`RESTAURANT INTERFACE SYSTEM LINKS
`
`TO ADVERTISING SYSTEM
`
`
`
`
`254
`LOCAL ADVERTISING TRANSMITTED TO MOBILE DEVICE J
`
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`GUEST CHECK PRESENTER HAVING A
`WIRELESS COVIMUNICATION DEVICE
`
`
`
`CROSS REFERENCE IO RELATJD
`
`
`APPLICATIONS
`
`ment. Thereafter, the card or change, whichever may be the
`case, would have to be returned to the guest, which further
`adds considerable time to pay for the meal.
`[0007] Therefore,
`it would be desirable to provide an
`improved guest check presenter which can be used as a plat-
`form to offer various useful and value added mobile services,
`such as the mobile payment service and advertising, which
`are associated with the food establishment or the meal con-
`sumed by the guest through the wireless mobile device of the
`guest.
`
`SUMMARY OF THE DISCLOSURE
`
`[0008] According to one aspect of the present invention, a
`guest check presenter for a food establishment is provided.
`The guest check presenter includes a holder for holding a
`guest check and a wireless communication device attached to
`the holder and adapted to communicate with a wireless
`mobile device of the guest. The wireless communication
`device contains a guest check identifier that identifies the
`guest check. The guest check identifier is adapted to be
`retrieved by the wireless mobile device ofthe guest for use in
`facilitating various mobile services associated with the food
`establishment or the food consumed by the guest.
`[0009] According to another aspect of the present inven-
`tion, a guest check presenter for a food establishment for
`facilitating payment of the guest check through the guest’s
`mobile device is provided. The guest check presenter includes
`a holder for holding a guest check information and a wireless
`communication device attached to the holder and adapted to
`communicate with a wireless mobile device ofthe guest. The
`wireless communication device attached to the holder stores
`payment facilitating infomiation for facilitating a payment
`for the guest check by the wireless mobile device ofthe guest.
`[0010] Advantageously, the present guest check presenter
`provides a convenient and powerful way to interface with the
`guest’s mobile device to provide various mobile services that
`are associated with the food establishment or the meal con-
`sumed without the need for the guest to leave the table and
`without the need to wait for the waiter to pick up the guest
`check presenter.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`
`
`F GS. 1A and 1B illustrate a guest check presenter
`[0011]
`having a wireless communication device.
`[0012]
`F G. 2 illustrates an exemplary system for using the
`present guest check presenter as a platform for offering vari—
`ous mobile services that are associated with the food estab-
`lishment or the meal consumed by the guest.
`[0013]
`F G. 3 is a fiinctional block diagram ofa computer
`that can be used by any device or system shown in FIG. 2.
`[0014]
`F G. 4 is a process flow diagram of interactions
`among the various computers and wireless devices to pay for
`the guest check with the wireless mobile device of the guest.
`[0015]
`F G. 5 is an alternate process flow diagram of inter—
`actions among the various computers and wireless devices to
`pay for the guest check with the wireless mobile device ofthe
`guest.
`F G. 6 is another alternate process flow diagram of
`[0016]
`interactions among the various computers and wireless
`devices to jay for the guest check with the wireless mobile
`device of the guest.
`
`[0001] This application claims priority under 35 U.S.C.
`Section 119(e) to US. Provisional Application Ser. No.
`61/293,461, filed Jan. 8, 2010, which is incorporated herein
`by reference.
`
`FIELD OF THE INVENTION
`
`[0002] The present invention relates to a guest check pre-
`senter having a wireless communication device for use in
`food establishments. More particularly, the present invention
`relates to a guest check presenter having a wireless commu—
`nication device which is adapted to communicate with a
`guest’s wireless mobile device to provide various mobile
`services associated with the food establishment or the food
`consumed by the guest.
`
`
`
`BACKGROUND OF TI I3 INVENTION
`
`It is well known that food establishments such as
`[0003]
`restaurants, bars, diners, coffee shops and the like present a
`guest check at the end ofa meal in a foldablc billfold or check
`presenter that encloses the guest check and includes pockets
`for receiving the payment. Such check presenters are favored
`because they are discrete, and can also serve as a notice to the
`customer that the server will collect the payment at the table.
`This behavior is common and despite past and future
`advances in technology, restaurant customers will continue to
`expect and favor the familiar actions involving the delivery of
`the check presenter at the end of a meal.
`[0004] Check presenters are traditionally comprised of
`leather or plastic cover that encloses a stiff side, such as might
`be constructed of cardboard or the like. The covers form two
`complimentary halves that are connected at a spine and fold
`together in a book-like arrangement. A pocket that is shaped
`and sized to receive a portion of a standard size financial
`instrument such as a credit card is often provided that permits
`the credit card to ride inside safely without falling outside of
`the check presenter. Sleeves or pockets may also be included
`to enclose the guest check and retain currency should this
`traditional form ofpayrnent be selected.
`[0005] However, such a conventional check presenter is
`used only for receiving payment from the guest and is not
`capable of offering various mobile services associated with
`the food establishment or the meal consumed by the guest
`through a wireless mobile device of the guest. Mobile ser-
`vices are services that are offered through a wireless mobile
`device carried by the guest. Such services may include mobile
`payment, targeted advertising, loyalty coupons and nutrition
`information on the meal, alerting a valet parking attendant for
`retrieving the guest’s car and alerting a coat check attendant,
`to list a few examples. These mobile services are very conve—
`nient and useful to the guest.
`[0006] Take, for example, the mobile payment service. For
`payment by credit card or by cash requiring change, a con-
`ventional check presenter requires the guest to wait for the
`waiter to pick up the check presenter. While the guest may be
`in a hurry to leave, the waiter may be busy serving other
`guests especially at busy times ofthe day. Moreover, once the
`waiter picks up the check presenter,
`it would have to be
`broug‘it to the restaurant’s cash register to process the pay-
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`FIG. 7 is a process flow diagram of interactions
`[0017]
`among the various computers and wireless devices to collect
`and deliver nutritional/caloric information for the meal just
`consumed by the guest.
`[0018]
`FIG. 8 is a process flow diagram of interactions
`among the various computers and wireless devices to collect
`and deliver loyalty co upon information to the wireless mobile
`device of the guest.
`[0019]
`FIG. 9 is a process flow diagram of interactions
`among the various computers and wireless devices to collect
`and celiver local advertising information to the wireless
`
`mobile device of the guest. D 4 TAIL A D D 4 SCRIPTION OF THE INVENTION
`
`
`
`
`
`For purposes of this application, the terms “code”,
`[0020]
`“program”, “application”, “software code”, “software mod—
`ule”, “module” and “software program” are used inter—
`changeably to mean software instructions that are executable
`by a processor. Also, the phrase “food establishment” means
`any establishment that serves any sub stance that can be eaten
`or drtmk such as restaurants, diners, bars, coffee shops or the
`like.
`[0021] Briefly, a guest check presenter ofthe present inven-
`tion contains a wireless communication device such as an RF
`ID tag or an NFC tag that holds information such as a guest
`check identifier for uniquely identifying the guest check. The
`check presenter is used as a platform to deliver new mobile
`services to a guest through the guest’s mobile device such as
`a smart phone. The guest check presenter is traditionally
`recognized as a familiar vessel for delivering a paper guest
`check to the table at the conclusion of a meal and this cus-
`tomary behavior will continue. However, the guest check
`presenter ofthe present invention not only functions to hold a
`paper check to work as a traditional check presenter but also
`functions to interface with the guest’s mobile device to offer
`a range ofnew mobile services including mobilepayment and
`delivering an electronic guest check, loyalty coupons, nutri-
`tional/caloric information, and local advertising to name just
`a few.
`[0022] As shown in FIGS. 1A and 1B, a check presenter 2
`includes a holder having a top cover 40 and a bottom cover 42
`which can be folded together. A wireless communication
`device 44 is attached to and placed inside the bottom cover 42.
`The wireless communication device 44 can be any device
`such as a NFC (Near Field Communication) tag, RF ID (Ra-
`dio Frequency Identification) tag, blue tooth chip or the like
`that can wirelessly communicate with a wireless mobile
`device ofa guest.
`[0023]
`In the embodiment shown in FIG. 1, an NFC tag/
`chip technology is used. The NFC tag operates in the 13.56
`MHZ frequency range, over only short distances of a few
`centimeters. NFC is already compatible with hundreds of
`millions of contactless cards and readers and is therefore a
`safe and inclusive choice.
`[0024] The physical dimensions of the NFC tag itself will
`vary by supplier and in FIG. 1, it is placed inside the check
`presenter 2 and under the skin of the bottom cover 42 to make
`it invisible. Tags ofthis type are generally small enough to fit
`within the back cover ofthe check presenter and still offer the
`guests an adequate target touch point.
`[0025] A logo/marking 46 indicating a wireless payment
`capability such as the NFC logo, a registered trademark of
`NFC Forum, Inc, is printed on top of the bottom cover 42.
`The logo serves to alert the guests as to the existence of the
`
`wireless payment services capability contained within the
`check presenter 2 and as to the proper location of the touch
`point. Although the wireless communication device 44 is
`shown as being disposed under the logo 46, it can be disposed
`anywhere in or on the check presenter 2.
`[0026] A transparent window 48 is provided in the top
`cover such that when the top cover is folded together with the
`bottom cover 42, the logo 46 can be seen through the window,
`highlighting and differentiating the new “touch here with
`phone” capability contained within. Preferably, the window
`includes a magnifier (e.g.. magnifying lens) which can be
`used by the guest to enlarge the physical guest check (not
`shown) which contains all ofthe line item details of the meal
`and the total amount due. The window also enlarges the logo
`46 when the guest check is removed, which may alert the
`guest that the check canbe paid by the guest’s wireless mobile
`device.
`
`FIG. 2 illustrates an exemplary system for using the
`[0027]
`present guest check presenter as a platform for offering vari-
`ous mobile services that are associated with the food estab-
`lishment or the meal consumed by the guest. A restaurant
`POS system 52 (typically located at the location of the food
`esstablishment), restaurant interface system 56 and payment
`processing system 58 are connected to a public communica—
`tion network 60 such as the Internet. The restaurant POS
`system 52 runs a restaurant management module which man—
`ages orders for a plurality of tables in the restaurant and also
`manages payments for guest checks. The restaurant POS
`system 52 includes a POS (point of sale) device 54 for receiv-
`ing payment information from a credit or debit card. The POS
`device 54 includes a contactless reader/writer that can corn-
`municate with the wireless communication device 44 to write
`to and read from the wireless communication device as will
`be explained in detail later herein.
`[0028] The restaurant interface system 56 runs a restaurant
`interface module which is adapted to facilitate payments of
`guest checks which are initiated by the restaurant POS system
`52 or by a wireless mobile device 62 ofthe guest. The wireless
`mobile device 62 is typically a smart phone device which is
`capable of accessing the public computer network 60 to com—
`municate with systems that are also connected to the network.
`The wireless mobile device 62 can be any mobile device that
`can be carried by the guest such as a PDA (personal digital
`assistant), cellular telephone device, portable computer, tab—
`let device or the like so long as it can communicate with the
`network 60 and the wireless communication device 44.
`
`In one embodiment, the restaurant POS system 52
`[0029]
`and restaurant interface system 56 comprise a single system
`(restaurant management system 50) managed by a single
`entity. In another embodiment, the restaurant interface sys—
`tem 50 is a separate system adapted to interface with a plu-
`rality of restaurant POS systems 52 to manage guest check
`payments by wireless mobile devices 62 for a plurality of
`different restaurant entities. For example, the restaurant inter-
`face system 50 can interface with multiple restaurant entities
`such as Applebee’s restaurant entity of Lenexa, Kans, and
`Sizzler restaurant entity of Culver City, Calif to provide
`mobile payment services for multiple entities.
`[0030] The payment processing system 58 such as that of
`First Data Corporation processes all forms of payments for a
`plurality ofmerchants including a plurality ofrestaurants. For
`example, when the payment processing system 58 receives a
`credit card payment authorization request from the restaurant
`interface system 56, it routes the request to the merchant’s
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`acquiring bank which then forwards the request to the appro-
`priate interchange system such as VISATM which then routes
`the request to the issuing bank ofthe credit card. The process
`is reversed for a payment authorization. The authorization
`message from the issuing bank is routed to the interchange
`system and then to the acquirer which routes it to the payment
`processing system 58.
`[0031]
`FIG. 3 illustrates an exemplary computer 12 that can
`be used in any ofthe computers, servers, databases and wire—
`less devices that are shown in the drawings. For example, the
`computer 12 can be used in the restaurant POS system 52,
`restaurant interface system 56, ad system 66, nutrition system
`64, wireless communication device 44, wireless mobile
`device 62 and the payment processing system 58. The com-
`puter 12 includes a multitasking, real-time software technol-
`ogy such as the Windows operating system from Microsoft
`Corporation that can concurrently run multiple applications/
`modules. The computer 12 is connected to the communica-
`tion link 6 through an I/O interface 22, which receives infor-
`mation from and sends infonnation over the communication
`link 6 to other computers in the network 60. The computer 12
`includes memory storage 24, processor (CPU) 26, program
`storage 28, and data storage 30, all commonly connected to
`cach other through a bus 32.
`[0032] The program storage 28 stores, among others, vari—
`ous software modules such as module 34. For example, the
`module can be a restaurant management module for the res-
`taurant POS system 52, a restaurant interface module for the
`restaurant interface system 56 and a restaurant application
`module for the wireless mobile device 62. The various mod-
`ules in the program storage 28 and data from the data storage
`30 are transferred to the memory 24 as needed and are
`executed by the CPU 26.
`[0033] The computer 12 can be any computer such as a
`personal computer, minicomputer, workstation or main—
`frame, or a combination thereof. While the computer 12 is
`shown, for illustration purposes, as a single computer unit, it
`may comprise a group/farm of computers which can be scaled
`depending on the processing load and database size.
`[0034]
`FIG. 4 illustrates a mobile payment service as one of
`the mobile scrviccs that can be offered through the use of thc
`wireless communication device 44 in the check presenter 2.
`Specifically, FIG. 4 is a process flow diagram of interactions
`among the various computers and wireless devices to pay for
`the guest check with the wireless mobile device of the guest.
`Upon instruction by the waiter, the restaurant management
`module running in the restaurant POS system 52 displays the
`guest check for the correct table where the guest is sitting. In
`step 100, when the waiter brings a check presenter near the
`wireless reader/writer 54, the restaurant management module
`writes
`several payment
`facilitating information to the
`memory ofthe wireless communication device 44 attached to
`the check prcscnter 2 through the wireless rcadcr/writcr 54. In
`one embodiment,
`the payment
`facilitating information
`includes the following information: 1) restaurant identifier, 2)
`unique identifier of the wireless communication device 44, if
`not present already, 3) identifier of the table where the guest
`is sitting, 4) identifier of the guest check, 5) location infor-
`mation ofthe restaurant interface system 56 such as the URL
`(Uniform Resource Locator) and 6) identifier of a restaurant
`application which is to be rtm by the wireless mobile device
`62 of the guest when the device is brought near the wireless
`communication device 44.
`
`[0035] At the same time, the restaurant management mod-
`ule also reads the unique identifier of the wireless communi-
`cation device 44 to associate the particular table and guest
`check to the wireless communication device. It is important to
`note that while at least six data items are written to the
`memory of the wireless commtmication device 44,
`the
`present
`invention can work with less information. For
`example, the payment facilitating information can simply
`include only a guest check identifier that can uniquely iden-
`tify the guest check. The guest check identifier can be a
`number that uniquely identifies the guest check or the unique
`identifier of the wireless communication device 44 since that
`idcntificr has hccn associated with the guest check by the
`restaurant POS system 52 at stcp 100. The payment facilitat-
`ing information can include a single identifier that can asso—
`ciate the wireless communication device 44 to the table or the
`guest check.
`[0036]
`In step 102 the waiter brings the programmed guest
`check presenter 2 to the guest. The guest check presenter 2
`typically includes guest check information such as a physical
`printou of the check because at this point the waiter has no
`way of (nowing how the guest intends to complete the trans—
`action. Even the customers/guests themselves may wait to see
`the amount of the check before deciding to pay cash, debit or
`credit. "he benefit ofthe present invention is that all custom-
`ers are given their 1110 st suitable choice Without breaking any
`accepted nonns and without interrupting the routine work-
`flow of the busy wait staff.
`[0037]
`In step 104, the guest recognizes the logo 46, high-
`lighted by the magnifying window 48, as indicating a wireless
`payment capability and brings his wireless mobile device 62
`near the logo. In step 106, the wireless mobile device 62
`establishes communication with the wireless communication
`device 44 and reads the stored payment facilitating infonna-
`tion.
`1e
`[0038] Based on the restaurant application identifier,
`wireless mobile device 62 attempts to locate the application in
`its data storage. If it does not find the application, the wireless
`mobile device 62 will attempt to download it through 1e
`restaurant interface system 56 using the URL provided by 1e
`wireless communication device 44. If the wireless mobile
`device 62 does locate the application within the device itself,
`it will load and execute the program. Thus, any subsequent
`steps done by the wireless mobile device 62 are under 1e
`control of the restaurant application.
`[0039]
`In step 108, the restaurant application running in ie
`wireless mobile device 62 establishes communication with
`the restaurant interface system 56 using the provided URL
`and the wireless mobile device receives line item details of ie
`guest check from the restaurant interface system 56 through
`the network 60. The restaurant interface system 56 knows
`which guest check information to send to the wireless mobile
`device 62 because it has received the unique identifier of 1e
`wireless communication device 44 from the wireless mobile
`device 62 and that identifier had already been associated with
`the guest check in the restaurant POS system 52 from s ep
`100.
`[0040] Altenlatively, the line item details ofthe guest check
`can be programmed into the data storage of the wireless
`communication device 44 in step 100 in which case such data
`will be read by the wireless mobile device 62 in stcp 106.
`[0041]
`In step 110, the guest reviews the guest check infor-
`mation either on the wireless mobile device 62 or the physical
`check and adds any gratuity to the total. In step 112, upon
`
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`Google LLC v. RFCyber Corp. / Page 10 of 14
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`GOOG-1015
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`GOOG-1015
`Google LLC v. RFCyber Corp. / Page 10 of 14
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`US 2011/0173060 A1
`
`Jul. 14, 2011
`
`selection ofa financial instrument to use for payment by the
`guest, the wireless mobile device 62 retrieves the selected
`financial instrument information from a secure memory area
`of the mobile device. The financial instrument information
`can include an account number, name of the account holder,
`expiration date and CVV (card verification value) and the
`like.
`In step 114, upon approval by the guest, the wireless
`[0042]
`mobile device 62 transmits the payment facilitating informa-
`tion, the retrieved fuiancial instrument information and the
`total amount including the gratuity to the restaurant interface
`system 56 for processing the payment. In step 116, the res-
`taurant interface system 56 relays the received information to
`the payment processing system 58 for payment authorization.
`The payment processing system 58 processes the payment
`authorization in a known manner and retums an approval
`message to the restaurant interface system 56. In step 118. the
`payment processing system 58 transmits the received
`approval message to the wireless mobile device 62 as receipt
`and to the restaurant POS system 52 to indicate to the restau—
`rant management software that the guest check has been paid.
`[0043] Alternatively, the wireless mobile device 62 can
`transmit the payment facilitating information. the retrieved
`financial instrument information and the total amount directly
`to the payment processing system 58 for processing the pay-
`ment.
`
`[0044] As can be appreciated, the present invention as illus—
`trated in FIG. 4 above offers a very convenient and efficient
`way for the guest to pay for the guest check Without ever
`having to leave the table and without having to wait for the
`waiter to pick up the guest check presenter and process the
`payment.
`[0045] Another benefit for the guest is that payment using a
`mobile device is much more secure than payment using a
`credit card since no physical card has to leave the table. Since
`the actual work ofprocessing the payment has been ofiioaded
`to the guest, the food establishment also benefits since the
`waiter’s time is freed up to perform other tasks,
`[0046]
`FIG. 5 is an alternate process flow diagram of inter-
`actions among the various computers and wireless devices to
`pay for the guest check with the wireless mobile device ofthe
`guest. Steps 100-112 are the same as FIG. 4 and are not
`shown. Unlike FIG. 4, however, in FIG. 5 the wireless mobile
`device 62 transmits the financial instrument information to
`the wireless communication device 44 of the check presenter
`2 to pay for the guest check.
`[0047] After steps 100-112 have been performed, the res-
`taurant application running in the mobile device 62 transmits
`the retrieved financial instrument information and the total
`amount including the gratuity to the restaurant interface sys-
`tem 56 for processing the payment (step 150). To prevent an
`inadvertent payment,
`the information is transmitted only
`when the guest brings the mobile device near the guest check
`presenter such as would be the case if the wireless commu-
`nication device 44 is an NFC tag device.
`[0048]
`In step 152, the waiter picks up the guest check
`presenter and brings it near the wireless reader/writer 54 to
`load the guests financial infomiation and total amount from
`the wireless communication device 44 to the restaurant POS
`system 52. In step 154, the restaurant POS system 52 trans-
`mits payment authorization information either directly to the
`payment processing system 58 or to the restaurant interface
`system 56 which relays the information to the payment pro-
`cessing system 58.
`
`Still in another alternative embodiment, the wireless
`[0049]
`communication device 44 is capable of communicating
`directly with the restaurant POS system 52 so that the pay—
`ment can be processed without involving the waiter again. For
`example,
`the wireless communication device 44 can be
`equipped with a blue tooth type circuit or a WiFi (Wireless
`Fidelity) Internet device so that the financial instrument infor-
`mation and the total amount stored in the wireless communi-
`cation device 44 can be transmitted directly to the restaurant
`POS system 52 for further processing.
`[0050]
`In step 156, once the payment has been approved by
`the payment processing system 58, the restaurant POS system
`52 transmits the approval message to the wireless mobile
`device 62 as receipt.
`[0051]
`FIG. 6 is another alternate process flow diagram of
`interactions among the various computers and wireless
`devices to pay for the guest check with the wireless mobile
`device ofthe guest. Steps 100-] [2 are the same as FIG. 4 and
`are not shown. Unlike FIG. 4, however, in FIG. 6 the wireless
`mobile device 62 communicates with the restaurant POS
`system 52 to pay for the guest check. Once the restaurant POS
`system 52 receives the financial instrument infomiation and
`the total amount, it can process the payment in a conventional
`manner, for example, as if a credit card was swiped through
`the POS device 54.
`[0052] After steps 100—112 have been perfomied, the res—
`taurant application running in the mobile device 62 transmits
`the retrieved financial instrument information and the total
`amount including the gratuity to the restaurant POS system
`56 for processing the payment (step 200). In one implemen-
`tation, the address/URL of the restaurant POS system 56 is
`included as part of the payment facilitating information so
`that the wireless mobile device 62 knows how to access the
`POS system. In step 202, the restaurant POS system 52 trans-
`mits payment authorization information either directly to the
`payment processing system 58 or to the restaurant interface
`system 56 which relays the information to the payment pro—
`cessing system 58.
`[0053]
`In step 204, once the payment has been approved by
`the payment processing system 58, the restaurant POS system
`52 transmits