US4675515A — Drive-through credit card payment device

Claim 1

Independent Claim 181 words

A system by which a patron may select and, via a credit instrument representing a patron credit account, pay for items selected from a population of items vended by an establishment, the system comprising: a panel disposed for operation by or for the patron, the panel including a plurality of touch responsive means adapted to generate signals corresponding to the selection of the desired item from the population; means for communicating said selection signals to a remote location at the establishment and repeating said selections for retrieval of said selections by establishment personnel; a processor storing patron account information; means at said panel communicating with the processor for recognizing said credit instrument and accessing the patron account represented thereby; means for processing said signals including means for totalizing the totalized charge therefor and means for debiting said patron account in the amount of said totalized charge; and means for generating a printed credit voucher and receipt including at least said totalized charge, said voucher further including a portion designated to receive the patron's signature acceptance of said charge on said account.

Claim 2

Independent Claim 181 words

A system by which a patron may select and, via a credit instrument representing a patron credit account, pay for items selected from a population of items vended by an establishment, the system comprising: a panel disposed for operation by or for the patron, the panel including a plurality of touch responsive means adapted to generate signals corresponding to the selection of the desired item from the population; means for communicating said selection signals to a remote location at the establishment and repeating said selections for retrieval of said selections by establishment personnel; a processor storing patron account information; means at said panel communicating with the processor for recognizing said credit instrument and accessing the patron account represented thereby; means for processing said signals including means for totalizing the totalized charge therefor and means for debiting said patron account in the amount of said totalized charge; and means for generating a printed credit voucher and receipt including at least said totalized charge, said voucher further including a portion designated to receive the patron's signature acceptance of said charge on said account.

Claim 3

Dependent Claim 15 words

The system of claim 1 further including means at the panel for verifying each selection.

Claim 4

Dependent Claim 33 words

The system of claim 2 wherein the verifying means includes an indicator light associated with each touch responsive means, said light emitting a flash upon the touching of the associated touch responsive means.

Claim 5

Dependent Claim 29 words

The system of claim 3 further including means for altering the intensity of each indicator light in response to the repeated touching of the selection corresponding to said light.

Claim 6

Dependent Claim 34 words

The system of claim 2 further including video display means at the panel and means for interfacing said display means with the touch responsive means to display a visual representation of each item selected.

Claim 7

Dependent Claim 20 words

The system of claim 5 wherein said interfacing means also communicates with the processing means to display said totalized charge.

Claim 8

Dependent Claim 21 words

The system of claim 1 wherein the generating means is adapted to also imprint each selection on said voucher and receipt.

Claim 9

Dependent Claim 205 words

A drive-through system by which a patron may select from their vehicle and, via a credit instrument representing a patron account and including machine readable indicia for identifying said account, pay for items vended by an establishment, the system comprising: a panel disposed for operation by or for the patron from their vehicle, the panel including a plurality of touch responsive means adapted to generate signals, each corresponding to the selection of a desired item, said touch responsive means, when touched by the patron, effective to enter a selection; means for communicating said selection signals to a location at the establishment and for displaying said selection for retrieval of said selections by establishment personnel; a processor storing patron account information; means at said panel for machine reading said credit instrument indicia; means communicating with the processor for recognizing said indicia and accessing the patron account; means for processing said touch generated signals including means for identifying the selection made, the price thereof and for calculating a totalized charge for said selections; and means for imprinting on a credit voucher and receipt said identified selections and totalized charge, said voucher including a designated portion to receive the patron's signature acceptance of said totalized charge on account.

Claim 10

Dependent Claim 205 words

A drive-through system by which a patron may select from their vehicle and, via a credit instrument representing a patron account and including machine readable indicia for identifying said account, pay for items vended by an establishment, the system comprising: a panel disposed for operation by or for the patron from their vehicle, the panel including a plurality of touch responsive means adapted to generate signals, each corresponding to the selection of a desired item, said touch responsive means, when touched by the patron, effective to enter a selection; means for communicating said selection signals to a location at the establishment and for displaying said selection for retrieval of said selections by establishment personnel; a processor storing patron account information; means at said panel for machine reading said credit instrument indicia; means communicating with the processor for recognizing said indicia and accessing the patron account; means for processing said touch generated signals including means for identifying the selection made, the price thereof and for calculating a totalized charge for said selections; and means for imprinting on a credit voucher and receipt said identified selections and totalized charge, said voucher including a designated portion to receive the patron's signature acceptance of said totalized charge on account.

Claim 11

Dependent Claim 30 words

The system of claim 8 further including means for verifying the touch selection of an item including a light associated with the touch responsive means visually indicating said item selection.

Claim 12

Dependent Claim 28 words

The system of claim 8 further including a video display screen and means for visually displaying a representation of each item selected for visual verification of said selection.

Claim 13

Dependent Claim 30 words

The system of claim 8 wherein said panel is disposed in a remote housing, the system further including means for positioning the panel for concealment thereof when not in use.

Claim 14

Independent Claim 198 words

A method for vending goods on a credit basis comprising: providing a system including a panel disposed for operation by a patron, said panel including a plurality of touch responsive means adapted to generate signals corresponding to the selection of the desired goods, means for receiving and reading a patron credit card and for transmitting patron account information stored on the credit card and printing means, said system further including patron account storing and retrieval means; the patron inserting the credit card into the receiving means at the panel; the system transmitting the account information to the account storing and retrieval means to access the patron's account; the patron making selections of goods at the panel, the system receiving the signals generated thereby and totalizing the selections and debiting the patron account in the amount of said selection(s) plus tax where applicable; the system displaying the selection remote from the panel for filling of the patron's order; the system printing a receipt and voucher indicating at least said amount and returning the credit card; and the patron signing the voucher to authorize the credit charge and presenting the signed voucher in exchange for the goods representing said selection.

Claim 15

Independent Claim 198 words

A method for vending goods on a credit basis comprising: providing a system including a panel disposed for operation by a patron, said panel including a plurality of touch responsive means adapted to generate signals corresponding to the selection of the desired goods, means for receiving and reading a patron credit card and for transmitting patron account information stored on the credit card and printing means, said system further including patron account storing and retrieval means; the patron inserting the credit card into the receiving means at the panel; the system transmitting the account information to the account storing and retrieval means to access the patron's account; the patron making selections of goods at the panel, the system receiving the signals generated thereby and totalizing the selections and debiting the patron account in the amount of said selection(s) plus tax where applicable; the system displaying the selection remote from the panel for filling of the patron's order; the system printing a receipt and voucher indicating at least said amount and returning the credit card; and the patron signing the voucher to authorize the credit charge and presenting the signed voucher in exchange for the goods representing said selection.

Claim 16

Independent Claim 211 words

A method for vending goods on a credit basis at a drive-through establishment; providing a system including a panel located for operation by a patron from their vehicle, the panel including a plurality of touch responsive means adapted to generate signals corresponding to the selection of desired goods, means for receiving and reading a credit card and for transmitting patron account information stored on the credit card and printing means for issuing a printed receipt and voucher, the system further including patron account storing, retrieval and processing means; the patron from their vehicle inserting their credit card into the receiving means; the system reading and transmitting account information to the account storing, retrieval and processing means for retrieval and verifying of the account; the patron entering his order by making selections by touching the appropriate touch responsive means at the panel, the system processing the signals generated thereby and debiting the account in the amount of the selections displaying the selections in the establishment for filling of the patron's order; issuing a printed receipt and voucher indicating at least said amount at the printing means and returning the credit card; and the patron signing the voucher to authorize the account debit and presenting the signed voucher in exchange for the order.

Claim 17

Independent Claim 211 words

A method for vending goods on a credit basis at a drive-through establishment; providing a system including a panel located for operation by a patron from their vehicle, the panel including a plurality of touch responsive means adapted to generate signals corresponding to the selection of desired goods, means for receiving and reading a credit card and for transmitting patron account information stored on the credit card and printing means for issuing a printed receipt and voucher, the system further including patron account storing, retrieval and processing means; the patron from their vehicle inserting their credit card into the receiving means; the system reading and transmitting account information to the account storing, retrieval and processing means for retrieval and verifying of the account; the patron entering his order by making selections by touching the appropriate touch responsive means at the panel, the system processing the signals generated thereby and debiting the account in the amount of the selections displaying the selections in the establishment for filling of the patron's order; issuing a printed receipt and voucher indicating at least said amount at the printing means and returning the credit card; and the patron signing the voucher to authorize the account debit and presenting the signed voucher in exchange for the order.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	1990-06-22	1990-12-22	1991-06-23	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	1994-06-22	1994-12-22	1995-06-23	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	1998-06-22	1998-12-22	1999-06-23	$7700.00	Window Closed / Lapsed

Drive-through credit card payment device

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