Interactive self-service vending system
November 17, 2017. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.Patent References Re32115 Electronic cash register including means for producing printed validation data Self-service terminal Medical insurance verification and processing system Data recording machine Automatic information, goods and services dispensing system Method and apparatus for benefit and financial communication Default proof credit card method system Purchasing system with rebate feature Pension benefits system InventorsAssigneeApplicationNo. 971763 filed on 11/17/1997US Classes:705/4, Insurance (e.g., computer implemented system or method for writing insurance policy, processing insurance claim, etc.)235/381, With vending700/235, Printing on or of dispensed or vended article705/16Including point of sale terminal or electronic cash registerExaminersPrimary: Weinhardt, Robert A.Attorney, Agent or FirmInternational ClassG06F 017/60AbstractA system for vending insurance policies includes stand-alone, interactive self-service terminals coupled to a central office over a communication link. The terminals are normally off-line, but periodically are placed on line for transmitting data to, and updates from, the central office. The terminals, which include a microprocessor, data storage and printers, are programmed to conduct a dialogue with a customer to establish a customer's eligibility, as to age and underwriting criteria, for a policy, quoting premiums, and soliciting a purchase decision. If purchase is elected, the customer's credit is checked and, if approved, a policy application is printed. In one embodiment, customer and company copies are printed and delivered to the customer who is instructed to keep the customer copy, sign the company copy, and direct the signed copy to the company. In a second embodiment, a signature digitizing module is used. The customer is instructed to sign on a pad of the module which digitizes and stores the signature. One copy of the application is printed and delivered to the customer and a signed copy is electronically transmitted to the company over the link or a signed copy is printed internally and kept for later pickup by the company. The terminal stores a lookup table as a continuous data stream, cuts up the data stream, and assembles words corresponding to the customer's age and a chosen coverage option. The customer then selects a term option.Other References
Field of SearchAUTOMATED ELECTRICAL FINANCIAL OR BUSINESS PRACTICE OR MANAGEMENT ARRANGEMENTInsurance (e.g., computer implemented system or method for writing insurance policy, processing insurance claim, etc.) Including point of sale terminal or electronic cash register Having interface for record bearing medium or carrier for electronic funds transfer or payment credit Interconnection or interaction of plural electronic cash registers (ECRs) or to host computer (e.g., network detail, transfer of information from host to ECR or from ECR to ECR, etc.) Specified transaction journal output feature (e.g., printed receipt, voice output, etc.) SYSTEMS CONTROLLED BY DATA BEARING RECORDS Credit or identification card systems With vending Mechanized store | |
