In-store universal control system5256863Abstract The present invention relates to a system for automating data acquisition and processing at a checkstand point-of-sale in a retail outlet. Preferred embodiments include a first local area network of POS terminals for initiating merchandise purchase transactions. All of the purchase transactions in the first local area network are passively monitored to acquire primary purchase data. A second local area network of lane terminal devices inputs secondary data, including discount coupon information, check information and bank card information to a universal system controller. The universal system controller mirrors the primary information, processes the primary and the secondary information, and generates output information to the POS terminals of the first local area network via the lane terminal devices of the second local area network, the output information including coupon verification data, coupon amount data, check verification data and bank card verification data. Claims What is claimed is: Description BACKGROUND OF INVENTION
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To The Customer To The Checker
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Enter PIN Number
Account Number Unknown
Do You Want Cash Back?
Account Verified "99999"
Enter Total Amount
Verification Denied "99999"
Thank You
Play Lottery Coupon Value Must Be
Manufacturer Coupon For
Manually Keyed
Incorrect PIN Number
Coupon Product Not Purchased
Product Not Purchased
Non-Food Stamp Item
Thank You For Shopping
Currency Conversion Data
At Manufacturer Coupon For
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c. Auto-Discriminating Bar Code Reader An auto-discriminating bar code scanning device 52 is accessible on the cashier side of the lane terminal device for scanning vouchers from any source (e.g., manufacturers coupons). The bar code reader is also capable of scanning any bar encoded media including lottery ticket play slips or tokens in an alternate preferred embodiment. A fixed mounted contact or near contact bar code reader capable of reading standard bar codes and including high density Code 128 is provided in a preferred embodiment. An exemplary bar code reader suitable for use in a preferred embodiment is the Welch Allyn BCR Card Reader, Specification No. 16205303, available from Welch Allyn, Inc., Skaneatels Falls, N.Y. This bar code reader can read and decode coupons having UPC (number system 5), check digits and 2 and 5 digit supplemental (i.e., suffix) codes. Because the auto-discriminating bar code reader of the lane terminal device can read any bar code, coupon redemption is not limited to targeted coupons generated within the store. Further, coupon reading is not limited to family code and/or value information. Rather, all data encoded on a coupon is received and transferred to a universal system controller database. More particularly, a coupon typically includes two bar encoded regions. A first bar encoded region of a coupon includes family code (i.e., UPC information) and, in some cases, coupon value information. Where value information is not included on the coupon, the lane terminal bar code reader reads only the family code information. The universal system controller, in response to an absence of value information, generates a message for display at the lane terminal prompting the cashier to manually enter coupon value. The second region of the coupon is not traditionally read by retail outlets. Rather, this information is read, if at all, by the manufacturer upon return of a coupon. This information identifies regional information regarding the distribution location of the coupon. By reading and accumulating this information in a database of the universal system controller, a more complete profile of coupon usage can be provided to the manufacturer by the universal system controller. In a preferred embodiment, the universal system controller formats a database with the following information: Manufacturer's Number, Coupon Family Code, Verification Criteria For Proof of Product Purchase, Coupon Value Code, Number of Coupons Bearing Identical Regional/Demographic Information, Suffix Data (i.e., Regional/Demographic Information), UPC Redeemed Against Data; Date and Time Redeemed; Coupon Override Information; Number of Items in the Order; Number of Coupons in the Order; Lane Number; Store Number; Whether Coupon has been Processed by Coupon Destruction Device. By decoding and compiling such information in a coupon database of the universal system controller, information regarding advantageous coupon marketing strategies and validity of coupon use can be provided to the manufacturer with little or no impact to regular operation of the POS controller and in-store POS LAN 4. Coupon information can be transmitted directly to the coupon clearinghouse and/or manufacturer via a wide area link 24 and central site 22 of FIG. 1. Retail outlets need not participate in the handling and shipping of vouchers. This significantly reduces the time associated with bundling and transferring the coupons to a coupon clearinghouse and eliminates shipping costs. Further, any necessity of the manufacturer to re-read the coupons is eliminated thus significantly saving cost to the manufacturer. d. Magnetic Stripe Reader The lane terminal device contains a magnetic stripe reader 54 for manual swipe of credit/debit cards, ATM cards used in EFT approval applications and electronic funds benefit cards issued to authorized recipients of food stamps. A magnetic stripe reader capable of reading and decoding tracks 1 and 2 from financial transaction cards is included with PIN encryption. In a preferred embodiment, the magnetic stripe reader is a MAGTEK dual track Magnetic Stripe Reader available from Welch Allyn, Inc. of Skaneatels Falls, N.Y. The magnetic stripe reader is located on the top edge of the lane terminal device such that cards can be swiped by either the customer or the cashier. Because the lane terminal device includes an ability to read credit/debit cards and ATM cards, an encryption device is provided as is well known in the electronic transfer of financial information. This encryption device is, for example, a known DES encryption chip. e. Check Reader The lane terminal device contains a unit 56 for reading coded bank and account information from customer checks during check approval. A check reader capable of reading and decoding an entire MICR line is included. The unit is able to read and decode common personal and business checks. In a preferred embodiment, the check reader is a magnetic Scanteam 8000 check reader available from Welch Allyn, Inc. However, those skilled in the art will recognize that any known check reader having the aforementioned capabilities can be used. The check reader is preferably located in the lane terminal device on the cashier side. A check MICR line is typically broken into a number of fields. These fields include a first field representing a transit number, or bank number. The transit number is used for routing the check through the Federal Reserve System to the appropriate bank where the check was drawn. A second field represents an account number, or "on-us" number and a check number. This account number is associated with a particular customer of the bank. A third field on the check MICR line is an amount field. This field is typically encoded by the bank upon return of the check. However, in a preferred embodiment, the lane terminal device can encode the amount field on the check and charge banks for this service. f. Debit/EFT Receipt And Lottery Printer A print mechanism is attached to the lane unit. The printer is used to print a standard "Regulation E" receipt for direct debit and other financial transactions. The printer is cabled to the lane terminal device and is located at any convenient area in the lane. A second printer can be included for lottery ticket printing. In alternate embodiments, a single printer can be used for all printing at a checkstand. g. Keyboard Wedge The lane terminal device interfaces with a variety of supermarket checkout cash registers as described above. The imbedded base of current grocery POS systems include IBM, NCR, Datachecker and Fujitsu terminals. As described above, older models of each line do not have external ports available to directly receive generated by the universal system controller and other lane terminal device input/output devices. Accordingly, in the exemplary embodiment described herein, the universal system controller interfaces to an IBM 4683 or an IBM 3683 POS system via a keyboard wedge 58. The keyboard wedge is capable of entering data such as check tender, total request, check verification number, manufacturer's coupon tender, store coupon tender, miscellaneous tender, and other amounts to the POS system from the universal system controller via the lane terminals. As shown in FIG. 2, the keyboard wedge is a terminal interface which includes a decoder and a decoder microprocessor. The keyboard wedge can produce decoder outputs which simulate the electric signals generated from a keyboard of the POS terminal (e.g., terminal 6 or 8 in FIG. 1) when a key is depressed. The keyboard decoder can thus receive data signals from the universal system controller (e.g., verified coupon value data) and convert those signals into simulated keyboard signals (i.e., as if the coupon value had been keyed in on the POS terminal). Thus, data which is not entered through the POS terminal keyboard can be electrically entered indirectly through the keyboard wedge without cashier intervention. The POS LAN 4 is therefore not affected by the entry of data from the universal system controller. Because keyboard wedges are one way devices (i.e., they convert signals into keyboard-like signals which are then transmitted), no protocol is required for the keyboard wedge. A "Y" connector is placed between the POS terminal keyboard and the POS terminal. An output from the keyboard wedge is then connected to the third terminal of the "Y" connection so that POS terminal inputs can be received from either the POS terminal keyboard or the keyboard wedge. h. Beeper A single tone beeper 60 is incorporated into the lane terminal device to signal good reads for the checks, vouchers and debit cards. Multiple beeps are issued in order to attract checker attention or to notify the customer of a problem such as mis-redeemed coupon. The beeper emits a single volume 85 DbA tone at 10 centimeters. i. Lottery Tickets In a preferred embodiment, lottery tickets are processed at the lane terminal device. A customer selects numbers they wish to play by filling out a mark sense card. This selection is performed at a stand-alone kiosk type device located in the retail outlet. After selecting the desired numbers and number of games to play, the kiosk dispenses a token to the player which contains the requested numbers. This token is, for example, a slip of paper printed with a bar code representing the selected numbers and the number of games. Alternately, the token is a card containing a magnetic stripe in which the selection is encoded. If a bar code is used, a high density symbology such as code 128 is used to accommodate multiple games and as many as six double digit numbers. When a magnetic stripe is used as the token, play data is encoded in a format that can be read with track 1 of the dual track magnetic strip reader described previously. Track 1 is preferred because of its capability to handle more characters than track 2. Existing laser scanners used to check out groceries can not read and interpret a dense bar code such as code 128. However, in preferred embodiments of a lane terminal device, the dense bar code can be read and decoded by the aforementioned bar code reader for transfer to the universal system controller. The universal system controller receives and recognizes the lottery ticket information just as it would recognize a UPC code for a standard product. The universal system controller forwards the lottery transaction to the lottery's central computer via the FIG. 1 wide area link 24, issues in-store lottery ticket printer commands and adds the correct charge to the customer's total bill. j. I/O Ports All lane terminal device connections are made beneath its base. The lane terminal connecter panel is recessed to accommodate cable connectors and connector hoods while the lane terminal device is mounted on the pedestal. The connector panel spacing accommodates EIA compliant connector assemblies to facilitate ease of cable installation and repair. The connector panel is clearly labeled to facilitate correct cable installation. All external connectors are keyed to assure correct installation. Referring to FIG. 2, five general outputs from the lane terminal device 16 are shown. The first input/output port 55 is the aforementioned universal system controller port. A general purpose port 66 is presently unused. A EFT port 68 is used for connecting to an EFT printer and a port 70 is used for connecting to a lottery printer. A terminal interface port 72 is used for interfacing outputs from the keyboard wedge 58 into a cash register. These ports will now be described in greater detail. Universal system controller port 55--This serial connection connects the lane terminal device to the terminal server on the universal system controller. The electrical interface is preferably a standard RS-423. This allows a longer cable length between the universal system controller and the lane terminal device. Serial Port 1 (EFT Printer port 68)--This is a general purpose serial interface RS-232 for attaching the strip printer for EFT receipts to the lane terminal device. Serial Port 2 (Lottery Printer port 70)--This is a general purpose serial interface RS-232 for attaching a lottery strip printer to the lane terminal device. Serial Port 3 (Auxiliary port 66)--This is a general purpose serial interface RS-232 reserved for future system expansion. Keyboard wedge port--This is a 25 pin port for connection with the cash register which receives inputs from a lane terminal device as electrical signals. For simplicity and flexibility, all serial ports on the lane terminal are configured identically. The port pinout is patterned after the IBM PC/AT COMI port. The definitions of interface circuits are a subset of CCittV.24. Bit rates of 300 to 19.2Kbit per second are supported. The following table summarizes the serial communications data and control signals for a communication configuration between a lane terminal device (LTD) and the universal system controller (USC). PG,33
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Pin # MNEMONIC DIRECTION DESCRIPTION
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1 DCD LTD.rarw.USC
Data Carrier Detected
2 RxD LTD.rarw.USC
Received Data
3 TxD LTD.fwdarw.USC
Transmitted Data
4 DTR LTD.fwdarw.USC
Data Terminal Ready
5 GND N/A Signal Ground
6 N/C N/A Not Connected
7 RTS LTD.fwdarw.USC
Request to Send
8 CTS LTD.rarw.USC
Clear to Send
9 N/C N/A Not Connected
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The following describes the serial interface signals Received Data (RxD)--Serial data from the USC to the LTD. Transmitted Data (TxD)--Serial data from the LTD to the USC. Data Carrier Detected (DCD)--Indicates to the LTD that the USC is ready to operate and is capable of transferring data. This signal is useful to determine whether the USC is cabled, powered-up, and ready. Data Terminal Ready (DTR)--Indicates to the USC that the LTD is ready to operate. Again, this signal is useful to indicate to the USC that the LTD is cabled, powered-up, and ready. Clear to Send (CTS)--Indicates whether the USC is ready to receive serial data from the LTD. This signal is generally used for flow control. An ON condition on this line indicates readiness. Request to Send (RTS)--Indicates whether the LTD is ready to receive signal data from the USC. This signal is generally used for flow control. An ON condition on this line indicates that the LTD is ready to receive characters. Signal Ground (GND)--This line provides a common signal return for the above signals. Each serial port in the lane terminal device has its line discipline programmable by the universal system controller. Characteristics such as baud rate and handshakes supported are programmed on a port basis. This allows the lane terminal device to support a wide variety of devices. 5. Universal System Controller The universal system controller is a central processing and database engine which runs all system applications, generates and updates local databases, and passively monitors all of the transactions which occur over the in-store SDLC LAN 4. Additionally, the universal system controller communicates over local and wide area networks to a relevant central site and all in-store equipment. As shown FIG. 1, the universal system controller also interfaces to a graphics monitor 26. The display allows an operator to run various applications in a windowing environment. It displays system activity monitors, database queries, and so forth. In a preferred embodiment, a UNIX based workstation is used as the universal system controller. In an exemplary embodiment, the computer is a Mips Magnum 3000 workstation. This computer is a high speed RISC processing platform, which supports large memory capacity, large disk capacity, and a high resolution graphics display. It runs the industry standard UNIX operating system and supports X windows and Motif user interface environments. The UNIX workstation is preferred for ease and speed of software development. UNIX provides a relatively fast flexible development environment for communications software, applications, and graphic user interfaces. It also provides a most robust and high performing solution for its price range. As shown in the exemplary FIG. 1 embodiment, the universal system controller 10 is connected to a second bi-directional LAN 12. The system controller LAN 12 is independent of the POS LAN 4. One-way communication with the POS LAN 4 is provided via a serial port of the universal system controller and the SDLC store loop adapter 14. Information and data which is input via the lane terminal devices is received on the system controller LAN 12 and accessed by the universal system controller 10. This information, in combination with the one way primary information received via the store loop adapter 14, is used to generate the information which is transmitted as one way data into cash registers via the lane terminal devices. In FIG. 1, lane terminal devices 16 and 18 transfer information, such as messages from the universal system controller 10, to a respective cash register 6 or 8. Information transferred from the universal system controller 10 to one of the cash registers can then be placed by the cash register onto the POS LAN 4 and accessed by the POS controller 2. Thus, the universal system controller 10, the system controller LAN 12 and the lane terminal devices 16 and 18 do not actively participate in the POS LAN 4. Accordingly, any problems which may develop in the universal system controller 10, the system controller LAN 12, or any of the lane terminal devices will not detrimentally affect the POS controller or the in-store LAN 4. Further, any maintenance which needs to be performed on the universal system controller, the LAN 12 or the lane terminals can be performed independently of the POS controller and the in-store LAN 4. This control feature represents a significant advantage to the retail outlets because it relieves them of any concern that the universal system controller or the lane terminal devices will affect POS operation. Further, the universal system controller connects to an in-store coupon destruction device 20 and to an out-of-store central site 22 over a wide area link 24. The central site is a system used to monitor, maintain, and update in-store controller databases. For example, it is used to consolidate coupon and frequent shopper data and to update check approval databases. The central site can also be connected with central lottery computers, bank databases for EFT and foreign currency exchange rate databases. Communication between the central site system and the universal system controller can be performed by modem over existing telephone lines. Such forms of communication are well known. For example, the aforementioned U.S. Pat. No. 4,972,463, entitled "In-store Multiple Device Communications Unit And Centralized Data System Utilizing Same", describes an in-store data communication system that connects various separate devices into one interface for connection to an outside telephone line, and is hereby incorporated by reference. As shown more specifically in FIG. 5, the universal system controller 10 includes the processor 11 and databases 13. To accommodate the functionality of the lane terminal devices, databases are provided for coupon family code, check approval, purchase transactions, frequent shopper benefits, coupons tendered, currency exchange rates, lottery ticket records and permissible electronic benefits transfer (i.e., food stamp) users. Any or all of databases can be updated, as described above, via the wide area link 24 of FIG. 1. In preferred embodiments, the universal system controller applications include monitoring lane activity of the lane terminals, reviewing and updating database information, managing communications over the wide area link, monitoring store loop data over the POS LAN and generating input data to the POS LAN. In addition to monitoring all transactions generated by the in-store POS controller on the POS network, the universal system controller monitors inputs which were generated by any one of the cash registers in response to inputs from the lane terminal devices. Thus, the universal system controller can ensure that information (e.g., coupon discounts) which are entered by a lane terminal device and verified by the universal system controller are entered into the in-store POS network. The universal system controller can verify that the messages have been entered into the cash register because the cash register will transmit the credits and other keyboard data to the controller. The universal system controller can detect acknowledgement that the credits have been entered into the cash register system even if there is not an explicit protocol between the cash register and the keyboard wedge. More particularly, the universal system controller can monitor acknowledgement messages which are generated by the POS controller. Thus, POS system acknowledgements can be detected when using a keyboard wedge in combination with a POS LAN passive monitoring system (e.g., store loop adapter 14). Where information from any lane terminal device has not been detected on the POS LAN, the universal system controller can, after a predetermined period of time, retransmit the information via the lane terminal device. FIG. 6 is a high level description of the logical and physical connections of the universal system controller 10 with lane terminal device 16, POS terminal 6, and in-store POS controller 2. As shown in FIG. 6, the universal system controller integrates into the POS controller and LAN by passively monitoring the message traffic between the POS terminals and the POS controller. The universal system controller applications monitor the purchases and totals accumulated in the cash register via the store loop adapter 14. Each of the lane terminal devices is connected to the universal system controller via the LAN 12. The universal controller interprets the data received from each of the lane terminal devices such as the coupon bar codes, check reader, or magnetic stripe reader. This data is matched with the data accumulated from the POS LAN. When the processes running within the universal system controller determine that it is necessary to enter data into the cash register such as coupon tenders, EFT tenders, check tenders, total requests and item purchases such as a lottery ticket, the universal system controller creates the required messages. These messages are forwarded to the keyboard wedge 58 located within the lane terminal device. The keyboard wedge is physically connected to the cash register typically via a Y-connection 115 between the cash register's main PC board and the cash register keyboard. As mentioned above, the keyboard wedge simulates the keystrokes that a cashier would normally use to enter tender data. FIG. 7, shows high level block description of the protocol for the universal system controller LAN. As mentioned previously, communication between the universal system controller 10 and the lane terminal devices (e.g., lane terminal device 6) is via terminal server 17. In a preferred embodiment, this is a standard peer to peer communications environment utilizing an industry standard Ethernet connection. 6. Coupon Destruction Device The coupon destruction device 20 (FIGS. 1-2) is a device used in conjunction with the manufacturer's coupon redemption application. The coupon destruction device communicates to the universal system controller via an RS-232 serial connection. The coupon destruction device rescans and reconciles the coupon database, then physically destroys the coupon. Coupon reconciliation is a process which matches coupons collected, verified, and tendered at the checkstand with coupons being destroyed. Coupon destruction renders the coupon useless and is necessary to assure that coupons are not reused for additional credit. The coupon destruction device can, in a preferred embodiment, be performed in a back room using a device networked to the coupon database of the universal system controller. The coupon destruction device is a freestanding or desktop unit. It contains a controller, bar code scanner, mechanical gate, and a destruction device (e.g., a modified paper shredder). In a preferred embodiment, coupons are collected and fed to the coupon destruction device. An operator deposits coupons individually in a chute where they are scanned and destroyed. A database of all destroyed coupons is also maintained by the universal system controller for transmission to the manufacturer. 7. System Operation a. Overview FIG. 8 shows a general data flow diagram for the universal system controller of FIG. 1. As shown in FIG. 8, general data input by the functional elements 200 of a lane terminal device (e.g., MICR reader, magnetic strip reader, and so forth) are input via a lane monitor 202 to a universal system controller 210. The lane terminal devices generate messages 204, 206, 208 which are input to the universal system controller via the LAN 12. Upon receiving information from the lane terminal devices, the universal system controller performs operations such as coupon verification, check approval, frequent shopper and wide area link (i.e., gateway) services. Outputs are generated by the universal system controller to the lane terminal devices via the communication path 208. The universal system controller accesses and maintains databases (i.e., files) including purchase files, voucher and voucher verification files, check verification files, frequent shopper files, lottery files, currency conversion files and so forth. Further, the universal system controller communicates via wide area network links with external EFT and lottery networks. The universal system controller 210 is also shown to receive cash register information messages 220 via store network interfaces 218. These messages include all item scan messages, start and end transaction messages, totals, tender functions, and so forth. All items purchased within a customer transaction are maintained in lane files 222, 224 and 226 of the universal system controller. Information from the lane files is used for coupon validation and frequent shopper programs. The information from these files, including purchase data totals, is received by the universal system controller via the store loop adaptor as described previously. b. System Applications The system automates a variety of existing supermarket checkstand processes. Additionally, it provides a vehicle for new capabilities and enhancing existing capabilities. Exemplary applications include check approval, EFT, voucher redemption, frequent shopper programs, currency conversion, and lottery ticket sales. (1) Check Approval One of the major functions of the system is to verify checks by capturing MICR data and matching it to a local database of known customers. FIG. 9 shows a general flow diagram for a check approval process. The tender procedure is started when a check is passed, or swiped, through a check reader on a cashier side of a lane terminal device as indicated at block 250. The check reader will optically or magnetically read the MICR code on the check and record the account number, bank number and check number. If the read was good, the beeper included in the lane terminal device issues a beep as indicated in blocks 252 and 254. If the read was partial or incomplete, a prompt to the cashier to request and manually enter transit number and account number is displayed as indicated in block 256. This information is manually entered by activation of the check override key and the keypad. Where the read was good and a beep issued, the customer account number is matched with a cash register total by the universal system controller in a database (block 256). The transaction total is obtained from the last cash register total message read by the universal system controller for that lane via the store loop adapter (block 258). If no total has been encountered, the universal system controller will generate a request for the total and wait until it reads the transaction total from the POS LAN 4. In a preferred embodiment, the transit number (bank number) and the account number are used to access an in-store authorization file as shown in block 260. Alternate embodiments can establish a direct access to the customer's bank or to external databases to initiate sufficient funds verification and/or electronic funds transfer in a manner similar to that used for credit/debit and ATM cards. In the preferred FIG. 1 embodiment, the account number is first used to identify a unique customer number. This customer number is then used to determine an in-store authorization record from the authorization file as shown in block 262. Where a record on the customer is not identified, a display is provided to the cashier to request additional data for establishing a record as indicated in block 264. The account number is not used alone because some customers have several checking accounts. Using a unique customer ID provides a link to multiple checking accounts. Some standard form of identification, such as drivers license number, or multiple credit cards or a customer service card can be used to establish the unique customer record. The authorization record, or file, thus contains information such as checking account numbers, account status, limits, cumulative amount, check history, and so forth. Once the check has been validated, a record is written to the check file containing the bank code, account number, and check number. Additional information, such as the store, lane number, and transaction number are included. The record may also include other statistical items such as the number of items in the order. In preferred embodiments where a passive frequent shopper function is employed, the check authorization record is made available to update a frequent shopper file for that customer. Where a certain purchase amount has been exceeded in a predetermined period of time (e.g., 90 days), additional in-store benefits can be issued to the customer immediately after totalling the customer's bill (e.g., offer 10% discount on total purchase). The check amount and approval information is entered into the POS LAN through the keyboard wedge as a pair of messages. The first message generates any authorization requests required by the POS controller. The second message is the actual check tender function and amount tendered. If the check fails the verification procedure, a lane terminal message will be generated and displayed to the cashier. In this case, the amount of the check is not transferred by the lane terminal device to the POS terminal. Where the customer has written a check greater than the total, a cash back decision block 266 prompts the cashier to activate a cash over function as indicated in block 268. The cashier then tenders the amount via block 270 to be returned to the customer. Where the customer has written a check for the exact amount of the total, the display on the cashier side of the lane terminal device indicates that the proper amount has been tendered as indicated in block 272 and the check value is passed to the POS terminal. After the transaction has been completed, the check authorization record and possibly a frequent shopper database of the universal system controller are updated as discussed above and as indicated by block 274. In a preferred embodiment, upon receiving a purchase total from the cash register via the store loop adapter 14 and approving a check, the universal system controller then activates a MICR printer at the lane terminal to encode the amount of the purchase on the check. Alternately, all validated checks received at the cash registers can be transferred to a back room in the store where one or more MICR printers are provided. For example, at the end of a business day, all checks received during the course of that day can be physically transferred to this back room and encoded. For this purpose, the universal system controller creates a database of all checks received. Using the account number and check number, information is read from the check during processing of the check at the checkstand lane, and correlated to the total purchase associated with that check. The universal system controller can then use this database to oversee proper encoding of each check. The check reader represents an efficient, fast way of collecting information about a check. The electronic input of this information not only saves the checker the time of manually inputting the information, but can also be used to add revenue to a retail outlet via the check encoding feature. (2) Debit Card Transactions The magnetic stripe reader and encryption device of the lane terminal device are used in a manner similar to that of known ATM machines. More particularly, in paying for a purchase using a credit/debit card or ATM card, a lane terminal device message prompts the user to enter a PIN via the consumer keyboard of the lane terminal. This PIN is transmitted to the universal system controller along with the necessary data from the financial card. Upon receipt of the message from the lane terminal, a request is generated for the purchase total if one has not already been taken. This total is displayed along with a message querying for cash back. When the funds transfer has been approved, the universal system controller generates the proper tender messages for transmission to the cash register. Access is provided to an appropriate financial institution via the universal system controller 10, the wide area link 24 and the out-of-store central site 22 of the FIG. 1 system. After entering an amount of a purchase via the consumer keyboard, a transaction verification is returned from the financial institution indicating that sufficient funds exist for the purchase. The verification information is displayed to both the consumer and the cashier. Electronic funds transfer can then be used to credit an in-store account by inputting relevant information regarding the transaction into the cash register for transfer to the POS controller 2. A frequent shopper database of the universal system controller can also be updated. System software at the lane terminal decodes the magnetic stripe and wraps a protocol around the data for transfer within the universal system controller network. Normally, a magnetic stripe includes two tracks referred to as track 1 and track 2. Track 2 includes the account number, the PIN offset, and the expiration date. Track 1 contains the track 2 information and in addition contains information such as the account number and the customer name. In a preferred embodiment, the magnetic stripe reader can read either or both of tracks 1 and 2. Since the magnetic stripe reader included in the lane terminal is a dual track reader, the lane terminal device determines which track to take the data from; when both tracks are acceptable, track 1 data is the default. Each debit card transaction also generates a printed receipt from the EFT printer. For example, the system outputs the date and time, location and total for printing. (3) voucher Redemption And Verification Coupons are scanned through the auto-discriminating bar code reader integrated into each of the lane terminal devices. As mentioned above, the bar code reader reads coupon codes and any suffix codes as indicated in block 300 of FIG. 10. As in the case of a check read, if a good read is detected for the coupon, the system parses coupon data by examining the coupon code information as indicated in blocks 302 and 304. Where a good read was not obtained, the system prompts the cashier via the display to enter coupon information via the keyboard as indicated in block 306. It is assumed that coupons are normally redeemed at the end of order after all items in the transaction have been scanned. All UPC coupon codes can be distinguished because they are number systems "5". The coupon codes consist of the one digit number system, a five digit manufacturer code, a three digit family code and a two digit value code, plus a check digit. The suffix code can be either a two digit or five digit addendum and contains information specific to the manufacturer and is captured by the lane terminal. In preferred embodiments, this suffix information is decoded and assembled in a universal system controller database. The lane terminal reads and decodes the coupon bar codes. The bar code data is bundled together with appropriate protocol statements and transmitted to the universal system controller via the system controller network 12. In the preferred embodiment as described above, all coupons are physically bundled and transferred to a back room for subsequent processing (e.g., coupon destruction). A back room processor is tied in to the system controller network 12 and receives all coupon information previously stored in the universal system controller database. In an alternate embodiment, the back room processor can also parse the bar code data into its component parts as mentioned above. The component parts are then assembled in a database for subsequent transmission to a coupon clearing-house via the wide area link and out-of-store central site. For those manufacturers requiring proof of purchase (determined by the manufacturer's number on the coupon), the coupon family code is validated by comparing the manufacturer's preloaded family code tables against the item codes purchased during the transaction. This validation information is included in the universal system controller database for transfer to the manufacturer. Where the family code has been determined to correspond to products actually purchased, as indicated by blocks 308 and 310 in FIG. 10, a value code check is performed as indicated in block 312. Assuming the value code check is affirmative, messages are indicated to credit the consumer's bill via the keyboard wedge and messages are displayed to the cashier as indicated in block 314. Further, the aforementioned coupon databases of the universal system controller are updated to indicate that the coupon has been cleared as indicated in block 316. Where a product associated with the coupon has not been purchased as indicated in block 318, the coupon database is updated to indicate that a coupon misredemption was improperly attempted. This information can also be added to a customer history database. However, as indicated by block 320, the checker can override an indication that a product was not purchased such that a value code check is performed as indicated in block 312. The use of the override feature is then also recorded in the coupon database. In accordance with the present invention, if an appropriate item has been purchased, then a message is created by the universal system controller and sent to the keyboard wedge to issue a credit for the proper amount via an in-store cash register. The amount of the credit is determined based on a table look-up which translates from the coupon bar code data to an actual dollar amount. This total will include any in-store bonuses identified for particular products in an in-store coupon database of the universal system controller. If a coupon has been tendered, but the appropriate product has not been purchased, a message is sent to the lane terminal indicting that the product was not purchased. For manufacturers not requiring proof of purchase, coupon credits are issued as defined in the UPC coupon field. The validation function described above should be considered a complete validation. In alternate embodiments, validation strategies include checking for manufacturer number only, accepting all coupons automatically or performing proof of purchase at one digit or two digit level. For example, if a manufacturer has properly assigned their family codes, proof of purchase performed at the three digit level is the most restrictive in terms of the specific products which satisfy the election criteria. Proof of purchase performed at the one digit level is a super group of all the three and two digit groups. Hence proof of purchase at the one digit level is the least restrictive and many more products will be acceptable at this level. The coupon database consists of the store, manufacturer number, family code, suffix code, redemption item, date, time, lane number, transaction number, and additional data as required for statistical analysis. This additional data may include the count of the number of items included in the order and the total number of coupons tendered. Encryption of the coupon data is required in a production environment. This database is accessed by the coupon destruction device to match coupons destroyed with actual coupons redeemed. Afterwards, the coupon destruction device updates the coupon database with information regarding any coupons which have been destroyed. Electronic Benefits Transfer (EBT) can be performed in a manner similar to that described above with regard to coupon redemption and verification. More particularly, when food stamps are presented to a cashier for redemption, a magnetic stripe card is swiped through the magnetic card reader. A database showing a history for the consumer can then be accessed. Further, food stamp information can be entered and compared against the shopping list of items purchased by the consumer and scanned at the cash register. Where products on the shopping list do not correspond to food stamp items, a message can be produced at the lane terminal indicating this to the cashier. The database of customers using food stamps can be maintained along with a record of the number of misredemption attempts made by each customer. A record of all food stamps used can also be retained in a database of the universal system controller. This database can then be transferred via the wide area link to an out-of-store central site for subsequent transfer to the appropriate issuing authority (e.g., retail bank). (4) Frequent Shopper At the conclusion of check out, all items are summarized by UPC and written to the disk. The check authorization record can be used as the frequent shopper identifier. If a frequent shopper program is already in place, the existing identification mechanism can be used. This data will be stored until the file is transferred to a remote processor for storage and analysis. All purchases of particular items and/or total purchases can be retained in the frequent shopper database. (5) Currency Conversion To initiate a currency conversion, a cashier selects this option on the cashier side of the lane terminal device. A menu of, for example, four different currency conversions appears at which time the user selects one via the A-D selection keys on the lane terminal device. Via the database associated with the universal system controller, a message can be displayed to correlate the total bill with the equivalent currency conversion selected. At that time, the customer can pay in the foreign currency previously selected. (6) Lottery Ticket Purchase Regardless of the token methodology employed, the consumer carries the aforementioned lottery token to the cash register and gives it to the checker just as they would any other product sold in the store. The checker swipes the token over or through the appropriate input device such as the magnetic stripe reader or the bar code scanner at the lane terminal device. The checker returns the token to the customer, who may keep it and reuse it for a future game or discard the token. The lane terminal will decode the token and transmit messages via the LAN 12 to the universal system controller. The universal system controller interprets the message as a lottery ticket purchase and then wraps the transaction in an appropriate protocol and transmits the message to the lottery ticket central site via the wide area link. After the lottery verifies the customer's selection and returns security codes and printer instructions via the wide area network, the universal system controller relays these messages to a lottery printer attached to one of the serial ports contained in the lane terminal device from which the transaction originated. When the ticket has been successfully printed, (as determined by checking for appropriate condition codes generated by the printer), the universal system controller issues a set of commands to the keyboard wedge which will automatically enter the lottery ticket charge to the cash register. This charge appears on the customers receipt and is added to the grocery purchase. Since the essential processing for the system is independent of the cash register systems, it will be possible for a consumer to have their purchases checked out without incurring check out line delays. It will be appreciated by those skilled in the art that the present invention can be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The presently disclosed embodiments are therefore considered in all respects to be illustrative and not restrictive. The scope of the invention is indicated by the appended claims rather than the foregoing description, and all changes that come within the meaning and range of equivalents thereof are intended to be embraced therein.
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