WikiPatents - Community Patent Review
Create Free Account  |  License or Sell Your Patent  |  WikiPatents Marketplace  |  WikiPatents Blog
Username:  Password:  
    
Advanced Search
Method and apparatus for generating gift certificates    
United States Patent5500514   
Link to this pagehttp://www.wikipatents.com/5500514.html
Inventor(s)Veeneman; William J. (Minneapolis, MN); Alexander; Karla J. (Minnetonka, MN); Doyle; Thomas J. (Minneapolis, MN); Brooks; Phillip R. (Eagan, MN); Hamilton; Robert H. (Edina, MN)
AbstractAn electronic gift certificate dispenser device for printing and dispensing a gift certificate purchased by a credit card. A consumer approaches the device and inserts a credit card into a magnetic card reader. The consumer chooses a retailer from a menu of participating retailers and enters the gift certificate value. The machine automatically verifies the credit card, causes the account to be debited and prints the gift certificate. A plurality of gift certificate dispensing devices can be connected in a network under the control of a central processing unit. Information regarding gift certificate purchases is transferred from the devices to the central processing unit to be collated and billed to credit card accounts. The central processing unit also informs merchants of the purchase of gift certificates that will be redeemed at their stores.
   














 Title Information Submit all comments and votes
 
Patent Text Patent PDF Print Page Summary File History
Plain text PDF images Print Summary File History
Drawing from US Patent 5500514
Method and apparatus for generating gift certificates - US Patent 5500514 Drawing
Method and apparatus for generating gift certificates
Inventor     Veeneman; William J. (Minneapolis, MN); Alexander; Karla J. (Minnetonka, MN); Doyle; Thomas J. (Minneapolis, MN); Brooks; Phillip R. (Eagan, MN); Hamilton; Robert H. (Edina, MN)
Owner/Assignee     The Gift Certificate Center (Minneapolis, MN)
Patent assignment
All assignments
Publication Date     * March 19, 1996
Application Number     08/007,007
PAIR File History     Application Data   Transaction History
Image File Wrapper   Patent Term   Fees
Litigation
Filing Date     January 21, 1993
US Classification     235/381
Int'l Classification     G06K 007/08
Examiner     Shepperd; John
Assistant Examiner     Le; Thien Minh
Attorney/Law Firm     Merchant, Gould, Smith, Edell, Welter & Schmidt
Address
Parent Case     BACKGROUND OF THE INVENTION This is a continuation-in-part of application Ser. No. 07/760,875, filed Sep. 16, 1991, now abandoned which is a continuation-in-part of application Ser. No. 07/664,930, filed on Mar. 5, 1991 now U.S. Pat. No. 5,243,174.
Priority Data    
USPTO Field of Search     235/379 235/381 235/385 235/432 235/3 902/18 902/21 902/36 101/DIG. 44 186/37 222/2
Patent Tags     generating gift certificates
   
Enter a comma (,) or semicolon (;) between multiple tag words/phrases.
Describe this patent:
 Amusing   
 Clever   
 Complex   
 Efficient   
 Historic   
 Important   
 Innovative   
 Interesting   
 Practical   
 Simple   
[no votes]
Patent WIKI

Share information and news about this patent, including information and news about the technology, inventors, company, ligation and licensing.

 References Submit all comments and votes
 
*references marked with an asterisk below are user-added references
 U.S. References
 
Add a new US reference:  
ReferenceRelevancyCommentsReferenceRelevancyComments
1923478



[0 after 0 votes]
2368526



[0 after 0 votes]
5128779
Mallik
359/2
Jul,1992

[0 after 0 votes]
5014212
Smith
700/235
May,1991

[0 after 0 votes]
5010485
Bigari
705/17
Apr,1991

[0 after 0 votes]
4982346
Girouard
705/14
Jan,1991

[0 after 0 votes]
4809837
Hayashi
194/205
Mar,1989

[0 after 0 votes]
4728377
Gallagher
156/58
Mar,1988

[0 after 0 votes]
4671512
Bachman
273/139
Jun,1987

[0 after 0 votes]
4385285
Horst
382/119
May,1983

[0 after 0 votes]
4359631
Lockwood
235/381
Nov,1982

[0 after 0 votes]
4134537
Glaser
235/379
Jan,1979

[0 after 0 votes]
3943335
Kinker
235/379
Mar,1976

[0 after 0 votes]
 Foreign References
 Other References
 Market Review Submit all comments and votes
   
Market Size
Estimate the gross annual revenues of the relevant market sector:
> $10B
$5B - $10B
$2B - $5B
$500M - $2B
$100M - $500M
$10M - $100M
$1M - $10M
$500K - $1M
$100K - $500K
< $100K
[No votes]
$0
 
$0   $2.5B   $5B   $7.5B   $10B
Market Share
Estimate the percentage of the relevant market sector this invention will capture:
75% - 100%
50% - 74.99%
25% - 49.99%
10 - 24.99%
5 - 9.99%
2 - 4.99%
1 - 1.99%
< 1%
[No votes]
0.0%
 
0%   25%   50%   75%   100%
Reasonable Royalty
What percentage of gross sales should the inventor or assignee be paid?
75% - 100%
50% - 74.99%
25% - 49.99%
10 - 24.99%
5 - 9.99%
2 - 4.99%
1 - 1.99%
< 1%
[No votes]
0.0%
 
0%   25%   50%   75%   100%
Public's "Guesstimation" of Royalty Value
Market SizeN/A[No votes]
xMarket ShareN/A[No votes]
xReasonable RoyaltyN/A[No votes]

N/A

License Availablity
If you are NOT the owner or assignee, answer here:
Yes, license is available for purchase

No, license is not currently available



[No votes]
License Availablity
If you ARE the owner or assignee, answer here:
Yes, license is available for purchase

No, license is not currently available



[No votes]
Competitive Advantage
Does this invention have a significant competitive advantage over similar technologies?
Yes

No



[No votes]
Most helpful competitive advantage comment
[No comments]

Commercial Alternatives
Are there viable commercial alternatives for this invention?
Yes

No



[No votes]
Most helpful commercial alternative comment
[No comments]

 Technical Review Submit all comments and votes
 Claims Submit all comments and votes
 


What is claimed is:

1. A method of printing, under control of a user, from a certificate dispenser a negotiable certificate useful for obtaining goods and services, said dispenser including a computer, as well as display means, user interface means, payment means, and printing and dispensing means controlled by said computer, said method comprising the steps of:

displaying on said display means a menu of goods and services providers;

receiving from said user through said user interface means a choice of said goods and services providers;

displaying on said display means a series of monetary values;

receiving from said user through said user interface means a choice of one of said monetary values;

receiving with said payment means payment for said certificate from said user;

printing with said printing and dispensing means a certificate including the choice of the providers and the monetary value chosen; and

dispensing said certificate.

2. The method in accordance with claim 1 wherein before said goods and services providers displaying step said method includes the steps of displaying a map and touching a point on the map to obtain a listing of providers located in a geographical region surrounding the point.

3. The method according to claim 1 including the step of mailing said certificate to a recipient, said certificate dispenser including means, under user control, for accepting and holding said certificate for subsequent delivery to a commercially known mail system.
 Description Submit all comments and votes
 


FIELD OF THE INVENTION

The present invention relates to an apparatus and method for dispensing certificates to be used for obtaining goods or services, and more particularly to an apparatus and method for vending such certificates from terminals in communication with a central processing mechanism.

BACKGROUND OF THE INVENTION

Due to increasing time constraints in the lives of busy people, certificates for use in obtaining goods or services have emerged as a viable alternative to the purchase of a gift. Certificates used as gift certificates offer many advantages over the purchase of a gift. If the gift giver is unsure of the needs of the recipient, a gift certificate offers a wide range of goods or services from which the recipient can choose. Gift certificates also remove the hassle of exchanging a gift without a receipt.

Currently gift certificates can be purchased only at retail locations or through catalog houses. This makes the purchase of a certificate less convenient and, therefore, reduces its value to the consumer.

A similar convenience problem was recognized and addressed in the banking industry. One of the solutions was the development of Automatic Teller Machine (ATM) devices. ATMs have become popular for handling simple repetitive transactions such as the dispensing of currency. The widespread acceptance of ATMs has created an educated consumer willing to conduct transactions through a vending device accessed by a credit card.

A similar type of device has been applied to the airline ticketing industry. U.S. Pat. No. 4,818,854, issued to Davies et al. discloses an automatic ticket handling machine used for vending airline tickets. The consumer approaches the machine, inserts a credit card into the card reader, enters a ticketing request through a touch screen and receives a printed ticket. The machine automatically verifies the credit card and debits the account.

The certificate industry has special requirements that make development of an automatic transaction machine difficult. Certificates are similar to currency in their ease of use and anonymity. Steps must be taken to prevent the use of stolen credit cards in the procurement of certificates and to secure paper stock to make forging of certificates difficult.

It is apparent that there is a need for a device that can dispense gift certificates while maintaining a high level of security.

SUMMARY OF THE INVENTION

The present invention provides a device incorporating in a housing mechanism for printing on and dispensing a certificate, as well as mechanism for receiving payment for the certificate. The device also includes a programmable computer under user control which is in communication with the printing and dispensing mechanism and the payment receiving mechanism. The computer includes program steps for receiving from the user a selected amount for the certificate and preparing for printing the amount on a first section of the certificate. The program also includes steps for calculating a cost transaction from the user selected amount wherein the cost of transaction is an incremental service charge greater than the user selected amount. The program further includes steps for preparing for printing a receipt including at least the cost of transaction on a second section of the certificate. The computer then provides for verifying that payment has been received by the payment receiving mechanism and for initiating thereafter printing on the printing and dispensing mechanism. In this way, on receipt of the certificate, the user can separate the second section from the first section as a receipt for the cost paid. The first section is useable as a negotiable certificate for the selected amount for goods and services. Although it is likely the certificate will be given away in the form of a gift certificate, that need not be the case.

According to another embodiment of the present invention, a plurality of devices for printing and dispensing gift certificates are connected to a central processing unit. Each device must establish communication with the central processing unit before it can become operative. At any time after a device becomes operative, it can be rendered inoperative by command from the central processing unit.

According to yet another embodiment of the present invention, a method is disclosed for controlling the selection and printing of gift certificates from a network of gift certificate dispensing terminals connected to a central processing unit.

According to another aspect of the present invention, to discourage credit card fraud each device monitors credit cards used within a predetermined period and limits the total value that can be charged to a credit card within that period to a predetermined maximum value within that period.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a perspective view of a gift certificate dispensing device in accord with the present invention.

FIG. 2 is an electrical block diagram representation of the gift certificate dispensing device according to the present invention.

FIG. 3 is an alternative electrical block diagram representation of the gift certificate dispensing device according to the present invention.

FIG. 4 is a block diagram representative of a network of gift certificate dispensing devices coordinated by a main computer and one or more credit card authorization computers according to the present invention.

FIGS. 5a and 5b are flow chart representations of the steps taken in initializing the gift certificate dispensing device computer upon power up.

FIG. 6 is a flow chart representation of the steps taken in shutting down the system after a hard failure.

FIG. 7 is a flow chart representation of the steps taken in initiating a call to an external computer system.

FIG. 8 is a flow chart representation of the steps taken in validating a credit card with a credit authorization computer.

FIG. 9 illustrates a series of representations of the screen images that are displayed according to the present invention to attract consumer attention and to explain the operation of the gift certificate dispensing device.

FIG. 10a is a flow chart representation of the screens that are displayed as a consumer selects a retailer according to the present invention.

FIGS. 10b and 10c are flow chart representations of the screens that are displayed as a consumer selects a gift certificate for a previously selected store according to the present invention.

FIG. 11 is a flow chart representation of the screens that are displayed as a response to a customer selecting the BROWSE option during the "Select a Store" phase according to the present invention.

FIG. 12 is a representation of a gift certificate in accord with the present invention.

FIG. 13 is a front view of an alternate embodiment of a housing for a gift certificate dispensing device in accord with the present invention.

FIG. 14 is a side view of the device in FIG. 13.

FIGS. 15a and 15b are flow chart representations of the steps taken in capturing a signature.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

In the following Detailed Description of the Preferred Embodiments, reference is made to the accompanying Drawings which form a part hereof, and in which is shown by way of illustration specific embodiments in which the invention may be practiced. Like numerals throughout the several views identify like features, the like numerals being primed in alternate embodiments. It is to be understood that other embodiments may also be possible and may be utilized and structural changes may be made without departing from the scope of the present invention.

An electronic certificate dispensing device 10 is shown in FIG. 1 for dispensing certificates negotiable for goods and services. The present disclosure is directed particularly to a preferred embodiment for dispensing gift certificates. It is understood, however, that the invention as covered by the claims encompasses any certificate as defined in the claims which is negotiable for goods and services. Certificates dispensing device 10 is a stand-alone housing 11 having a rectangular shape with panel-like walls 13, a base 15 and a top 17. Dispensing device 10 houses a monitor 12 with touch screen 14, a magnetic card reader 16, a certificate dispenser slot 18, an envelope dispenser slot 20 and identifying plaques 22 on one or more sides of the device. In the preferred embodiment plaque 22 is made of a backlit translucent material with indicia thereon. Ventilation for the interior of the housing is provided by means of a fan or air conditioner (not shown).

Monitor 12 is used to display choices given to the customer in the purchase of a gift certificate. Choices are made by the customer and entered by touching predetermined areas of touch screen 14. Card reader 16 is used to swipe a credit card in order to debit a credit card account for payment for gift certificates dispensed. It should be noted that although the preferred embodiment is geared toward the use of a credit card it should be obvious that the teaching of the present invention could easily be applied to a debit card system or to a system which accepts cash.

In one embodiment, and as shown in FIG. 1, monitor 12, touch screen 14 and card reader 16 are mounted in a first wall of the housing 11 of device 10. Certificate dispenser slot 18 and envelope dispenser slot 20 are mounted in a second wall of device 10. A customer will approach touch screen 14 in the first wall, enter gift certificate choices, swipe a credit card through card reader 16 and then step to the second wall to await printing and dispensing of the certificate and envelope. This allows a second customer to approach device 10 while the first customer is waiting for his transaction to finish.

In a second embodiment, the plaque 22 positioned over certificate dispenser slot 18 and envelope dispenser slot 20 is replaced by a monitor (not shown) used for displaying messages such as instructions or advertising to a person waiting for a certificate to issue.

In a third embodiment, dispensing device 10 is built into a wall or like structure and covered by one or more panel-like wall portions 13 housing a card reader 16, a certificate dispenser slot 18, an envelope dispenser slot 20 and a monitor 12 with touch screen 14 mounted thereon.

In a fourth embodiment, as shown in FIGS. 13 and 14, housing 11' of a device 10' includes a user access subhousing 600 and an electronics mounting subhousing 602. User access subhousing 600 includes a front panel-like wall portion 604 which is separated into a plurality of sections for ease of use by the user, even a user in a wheelchair. Panel-like wall portion 604 includes an upper section 606 having a lighted display 608 therein. An inclined section 608 extends forwardly from section 606 such that the front screen of monitor 12' is mounted in it with touch screen 14' appropriately installed thereto. In an inset portion having a vertical wall 610 with a horizontal surface therebelow, the card reader 16' is mounted with an appropriate receiving slot in vertical wall 610. A section 612 then extends inwardly from the front edge of section 608 to one or more additional sections leading to the bottom of subhousing 600.

The front panel-like wall portion 614, which may also be the electronics access door, of subhousing 602 is essentially vertical. Certificate dispenser slot 18' and envelope dispenser slot 20' are located in panel-like wall portion 614.

Section 606 of wall portion 604 is considerably offset rearwardly from panel-like wall portion 614. There is then a connecting wall 616 appropriate for mounting a speaker 618.

In this way, a user approaches panel-like wall portion 604 and can readily read lighted display 608, operate touch screen 14', activate device 10' with an appropriate card at card reader 16', and be in a good position to listen to any instructions projecting from speaker 618. The sections of wall portion 604 beneath section 612 are sufficiently inset so that a person in a wheelchair can position relative to wall portion 604 adequately so that if the person is otherwise capable, should be able to interact with device 10' as indicated. After an appropriate order has been placed, the person can then move aside from panel-like wall portion 604 to wait for the ordered gift certificate and envelope to be dispensed from gift certificate dispenser slot 18' and envelope dispenser slot 20' in adjacent panel-like wall portion 614.

The various electronics which provide the advantageous features of gift certificate dispensing device are secured in the housing of the dispensing device. FIG. 2 shows an electrical block diagram of electronic gift certificate dispensing device in accordance with the present invention. Computer 24 is connected to monitor 12, touch screen 14, keyboard 19, nonvolatile memory device 28, expander device 30, security interface 33, modem 42 and voice playback 48. Expander device 30 is connected to envelope dispenser 32, laser printer 26 and card reader 16. Security interface 33 is connected to temperature sensor 36 and various security items (not shown). Expander device 30 and security interface 33 are interface circuits with registers that receive commands from computer 24 and transmit status back to computer 24. Voice playback 48 is connected through amplifier 50 to speaker 23. Voice playback 48 synthesizes voice messages in response to commands received from computer 24. Modem 42 is connected through internal telephone jack 44 to public telecommunications channel 46.

In the preferred embodiment, computer 24 is an IBM PC or compatible computer with at least 2 MBytes of dynamic memory. Monitor 12 is a standard super VGA monitor capable of displaying 640.times.480 pixels at 256 colors per pixel. Touch screen 14 is an Elographics Intellitouch Model 4001 surface acoustic wave touch screen with touch screen controller. Card reader 16 is a MAGTEX 21055002 slotted magnetic card reader connected to computer 24 through an RS232 line. Laser printer 26 is a Canon LBP4 laser printer. Nonvolatile memory device 28 is a 40 MByte fixed disk drive. Modem 42 is a 2400 Baud MNP Level 5 error correcting modem. Voice playback 48 is manufactured by COVOX. In an alternate embodiment voice playback 48 is replaced by an audio synthesizer capable of creating voice and music from data stored in computer 24. Telephone jack 44 is a standard jack compatible with a standard domestic telephone cable. All these items are commercially available as is known to those skilled in the art.

Card reader 16 is a typical magnetic card reader used to read coded data stored in a magnetic strip on a credit or debit card. Credit cards and debit cards typically have information such as the account name, the account number and the expiration date of the card encoded and deposited on their magnetic strip. Card readers such as card reader 16 contain circuitry which reads the encoded data and sends that data to computer 24 for use in validating the card.

An alternate embodiment of the electronics of a gift certificate dispensing device 10 is shown in FIG. 3. In FIG. 3 a card reader 50 with integral modem is used to automatically dial a credit card service for verification of a credit card passed therethrough. A telephone switch 52 under control of peripheral control device 30 connects the modem in card reader 50 to public telecommunications channel 46. This embodiment offloads some of the processing required by computer 24 at the cost of a more expensive card reader and some commercially available switching logic. The embodiment shown in FIG. 3 does not have the voice synthesizing circuitry shown in FIG. 2. Although tests have shown a synthesizer effect between the screen displays on monitor 12 and the voice messages generated by playback 48, a design decision may be made to remove the synthesizer circuitry to reduce system cost. All other electronics are the same as in FIG. 2.

In yet another alternate embodiment (not shown), a second monitor, a second touch screen and a second card reader are mounted on the wall 13 opposite monitor 12. The second monitor, the second touch screen and the second card reader are connected to computer 24 such that a second terminal is provided for selecting and printing gift certificates. Computer 24 controls the operation of both sets of monitors, touch screens and card readers as two separate tasks. Access to common resources such as laser printer 26 and modem 42 is arbitrated by computer 24. Envelopes and printed gift certificates are still dispensed through slots 20 and 18, respectively.

In the preferred embodiment access to the electronics of dispensing device 10 is limited. Only touch screen 14 and card reader 16 are readily accessible to the user. The remainder of the electronics are secured behind the access door.

Also, in the preferred embodiment, temperature sensor 36 mounted inside gift certificate dispensing device 10 measures the ambient temperature within dispensing device 10 and reports that temperature to computer 24. If the measured ambient temperature rises above 85 degrees Fahrenheit computer 24 automatically shuts down the electronics of device 10 to avoid damage to electronic components.

Gift certificate dispensing device 10 can operate independently or within a network. Networked operation of the dispensing devices is preferred since it eases the requirement for local security. In the preferred embodiment a number of gift certificate dispensing devices 10 are connected by telephone to a main computer. The main computer can poll dispensing devices to determine if a dispensing device has been disconnected or has lost power, can execute diagnostic tests remotely to expedite detection of hardware failure and can monitor devices for unauthorized access or vandalism.

FIG. 4 is a block diagram representative of a network of gift certificate dispensing devices 10 coordinated by a main computer. In FIG. 4, gift certificate dispensing devices 10.1 through 10.N are connected through public telecommunications channel 46 to main computer 60. Transactions entered at one of the devices 10 are transmitted to computer 60 over channel 46. Computer 60 in turn accesses one or more credit card authorization computers 62.1 through 62.M through channel 46 to receive credit card authorization. Authorization is then granted by computer 60 to the appropriate dispensing device 10.

Computer 60 is connected to a printer 64 for printing transactions either as they occur or as a batch at predetermined time intervals. In the preferred embodiment computer 60 is a PC compatible computer. Purchases made through gift certificate dispensing devices 10. 1 through 10.N are accumulated in computer 60. Requests for payment (debits to credit card accounts) for those purchases are either submitted electronically through public telecommunications channel 46 to computer 62 or submitted as a bill printed from printer 64. In a like manner, merchants are notified of purchases of gift certificates issued in their name and of the code numbers of the certificates issued either through channel 46 or through a report printed by printer 64.

Steps have been taken to ensure secure operation of gift certificate dispensing devices 10. In the preferred embodiment, device 10 powers up inoperative. In order to become operative, it must establish communication with computer 60, download a unique security code and appropriately verify that code.

Computer 60 can at any time render any device 10 in the network inoperative by sending it a shut down command. Reception of the shut down command causes a device 10 to destroy sensitive program code and data and enter a special system shut down routine that disables the user interface. A representative system shut down routine is shown in FIG. 6 and described later. This is a useful security feature that can be used to disable a device 10 when computer 60 detects a failure or impending failure.

Gift certificates are printed with an intricate multicolored design on faded parchment paper and embossed with holographic foil. The type of paper, the ink and the amount of detail are chosen to make copying difficult. Embossing the certificate with holographic foil makes counterfeiting more difficult. In the preferred embodiment, the holographic foil may be obtained from and applied by Larkin Industries, St. Paul, Minn.

A representative gift certificate is shown in FIG. 12. Gift certificate 200 is a standard size sheet of faded parchment paper divided into three sections 202, 204 and 206 with perforations 208 for easy separation of the sections. Section 202 is used to print a receipt for the transaction. The name and account number on the credit card is printed along with name of the recipient, the date, the charges for the purchase and the dispensing device 10 from which the certificate was purchased. In the preferred embodiment, a service charge per certificate is included in the total charges. Section 204 is used to display the name of the intended recipient, a message such as "Happy Birthday" or "Thank You" and the name of the purchaser. Section 206 is the section of the gift certificate that is redeemed to purchase merchandise from the intended retailer.

In the preferred embodiment, during production each section 206 is imprinted with a unique control code (not shown) and silver embossed with a hologram 210. The code imprinted is matched to the name of the intended recipient during the sale of the certificate and the code and the name of the recipient are then communicated to the intended retailer. When the certificate is redeemed the code can be compared against a list of expected codes and verified for authenticity. In an alternate embodiment, the control code could be implemented as a bar code that can be scanned with a bar code reader. In another alternate embodiment, the control code could be implemented as a magnetic ink character recognition (MICR) number and used in a fashion as commonly known, particularly in the banking industry.

A logo representative of the company operating the particular gift certificate dispensing device 10 is printed at 212 and 214. A bit-mapped graphic or logo representative of the intended retailer and, if requested, a retailer control code are retrieved from nonvolatile memory device 28 and printed to location 216 of certificate 200 during certificate printing. Retailer logos are obtained by scanning a design provided by the retailer and storing the resulting image to nonvolatile memory device 28.

Purchasers receive certificate 200, remove section 202 for their records and send sections 204 and 206 to the intended recipient. The recipient receives sections 204 and 206, detaches 204 from 206 and redeems section 206 at the designated store.

Rather than purchasers of certificate 200 sending sections 204 and 206 to the intended recipient, dispensing device 10 can include a mechanism for accepting and holding certificate 200 for subsequent delivery to a commercially known mail system, such as the U.S. mail service or some other private commercial publicly known mail system. The mechanism would be under user control and may include issuing the certificate and an envelope to the user who then appropriately places the certificate in the envelope and returns the envelope to the dispenser through a slot or other mechanism. Alternatively, dispensing device 10 could retain the certificate for non-user preparation of it before delivery to a known mail system.

It is understood that certificates need not be three sections as shown for certificate 200. A certificate may be, as well for example, only two sections. The first section would be useable as a negotiable certificate for the selected amount of goods and services. The second section would be separated by a weakened line from the first section and be a receipt for the cost of the transaction. In such a situation, computer 24 would be programmed to include first mechanism for receiving from the user a selected amount for the first section of the certificate and preparing for printing the amount on the first section. The program would also include means for calculating a cost of transaction which would be an incremental amount greater than the user selected amount. The incremental amount would be a service fee as indicated at box 310 in FIG. 9. The program would also include second mechanism for preparing for printing a receipt on the second section of the certificate to include at least the cost of transaction as indicated. Thus, such a certificate when completed would include at least a selected amount for negotiable use for goods and services on the first section of the certificate and a cost of the transaction as a receipt on the second section of the certificate.

Gift certificates are stored in a bonded printer. Only bonded authorized service personnel can obtain paper and install it in the printer. Supplies of paper in each device 10 are checked randomly for integrity.

The value of a certificate 200 cannot exceed a predetermined amount. In addition, each device 10 monitors use of each credit card and prevents charging more than a predetermined limit in a designated time period. In networked systems this protection against credit card abuse can be extended to all gift certificate dispensing devices 10 in the network.

Each certificate is printed with an expiration date to encourage timely redemption. To further enhance security, participating stores are requested to redeem certificates for merchandise only and to request identification while redeeming a certificate.

In use, on receiving power, computer 24 executes a power-on self test. In a PC compatible computer this test is a resident program that is typically executed out of ROM (read only memory). The power-on self test checks system dynamic memory, the system board, nonvolatile memory device 28 and monitor 12. Upon successful completion, computer 24 reads up a portion of its programming from nonvolatile memory device 30 and begins executing a system initialization program. If computer 24 is unable to successfully complete the power-up self test, a message to that effect is displayed on monitor 12 and gift certificate dispensing device 10 is disabled.

A control flow program representative of a system initialization for the present invention is illustrated in FIGS. 5a and 5b. The routine shown is written for a networked environment. It should be obvious to one skilled in the art that this routine is readily adaptable to independent operation of a gift certificate dispensing device.

The routine is entered at 70 after successful execution of the power-on self test. First, communication is established with main computer 60. At 70 an attempt is made to initialize modem 42. At 72 a check is made to see if the modem is ready. If not, at 74 a message is displayed on monitor 12 detailing the error and requesting service.

If at 72 the modem is found to be ready, at 76 a telephone call is made to main computer 60 and a security code downloaded from computer 60 to computer 24. At 78, the downloaded security code is compared against a code stored on nonvolatile memory device 28. If the two codes match, node security has been verified. Retry count is set to zero and control moves to 82 to initialize laser printer 26. If the two codes do not match, a system shutdown routine is called at 80 to secure the gift certificate dispensing device.

After link security has been verified at 78, at 82 an attempt is made to initialize printer 26. A check is made at 84 to see if printer 26 is ready. If not, at 86 computer 24 executes a one minute wait, at 88 the retry count is incremented and at 90 a check is made to see if the number of initialization attempts equals three. If so, at 92 a telephone call is placed through modem 42 to main computer 60 and the error is logged.

If at 84 printer 26 is determined to be ready, a check is made at 94 to see if printer 26 has blank certificates. If not, control moves to 92, a telephone call is placed through modem 42 to main computer 60 and the error is logged.

If at 94 printer 26 is determined to have a supply of blank certificates, control moves to 96 where touch screen 14 is initialized. At 98 a check is made to see if touch screen 14 is ready. If not, control moves to 92 to log the error. If touch screen 14 is ready, at 100 card reader 16 is initialized and at 102 a check made to see if card reader 16 is ready. If not, control moves to 92 to log the error. If card reader 16 is ready, at 104 the main program is initiated.

On successful completion of the initialization program of FIGS. 5a and 5b, computer 24 enters the main program. The main program will now be described from the standpoint of the user interface.

The following discussion is a description of one embodiment of the screen displays and user interface for a gift certificate dispensing device. It should be understood that logical flows other than that described could be implemented without departing from the spirit and scope of the present invention. In one embodiment, the main program starts with the Attractor module shown in FIG. 9. The Attractor module is an endless loop during which a sequence of display screens is shown on monitor 12. The sequence of display screens is intended to familiarize the consumer with the gift certificate product itself and with the method used to purchase a gift certificate. The loop is terminated by the detection of a touch on touch screen 14. FIG. 9 shows a representative sequence of display screens used while waiting for the touch on touch screen 14. At 300 a welcome screen is displayed. At 302, a list of participating retailers is displayed. At 304, some examples of completed gift certificates are shown. At 306, a list of the types of credit cards that can be used is displayed. At 308, instructions on use of magnetic card reader 16 are displayed. At 310, transaction charges are explained. At 312, a graphic demonstrating design of a custom gift certificate is displayed. At 314, a graphic illustrating the printing and dispensing of a gift certificate is displayed. And at 316, a graphic describing the company that owns the particular gift certificate dispensing device is displayed (in this case the company is THE GIFT CERTIFICATE CENTER, INC. or GCC). The routine continues scrolling through screens 300 through 316 until a touch is detected on touch screen 14.

In the preferred embodiment, a combination of voice and screen messages is used to guide the customer in a purchase. Once a touch is detected, control moves to the routine shown in FIG. 10a. FIG. 10a illustrates the sequence of screen displays shown while choosing the retailer to be shown on the purchased gift certificate. The routine is entered at 320 where a screen is displayed with clearly marked areas labeled "How to use the GCC", "Browse" and "Start Shopping". At the same time a welcoming message is broadcasted over speaker 23. Computer 24 then waits for a selection made by touching within the marked areas on touch screen 14. At 320, as in the remaining screens of FIGS. 10a through 10c, if no touch is detected within a first predetermined period a prompt such as "Please touch the screen to continue" is displayed on monitor 12. A second predetermined period is allowed to pass. If no touch is detected yet, a prompt such as "Please make your selection now" is displayed. Then if no touch is detected within a third predetermined period, control reverts to the Attractor module shown in FIG. 9.

If, at 320, the area labeled "How to use the GCC" is touched, control moves to 322 where a short demonstration of the steps needed to complete the purchase of a gift certificate is shown. At any time during that demonstration a touch on the area of the screen marked "Go Back" will terminate the demonstration display and move control back to 320. In any event, after the demonstration concludes, control moves back to 320.

If, at 320, the area labeled "Browse" is touched, control moves to 324 where an abbreviated step-through of the demonstration of 322 is shown. At any time during the step-through a touch on the area of the screen marked "How to Use the GCC" will terminate the demonstration display and control will move to 322. A touch on