The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Apr. 21, 2015

Filed:

Jun. 28, 2012
Applicants:

David M. Grigg, Rock Hill, SC (US);

Susan Smith Thomas, Gastonia, NC (US);

Peter John Bertanzetti, Charlotte, NC (US);

Matthew A. Calman, Charlotte, NC (US);

Inventors:

David M. Grigg, Rock Hill, SC (US);

Susan Smith Thomas, Gastonia, NC (US);

Peter John Bertanzetti, Charlotte, NC (US);

Matthew A. Calman, Charlotte, NC (US);

Assignee:

Bank of America Corporation, Charlotte, NC (US);

Attorneys:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 10/08 (2012.01); G06Q 20/12 (2012.01); G06Q 20/32 (2012.01); G06Q 30/06 (2012.01); G06Q 30/00 (2012.01); G06Q 20/20 (2012.01);
U.S. Cl.
CPC ...
G06Q 10/0837 (2013.01); G06Q 30/00 (2013.01); G06Q 20/203 (2013.01); G06Q 30/016 (2013.01); G06Q 30/06 (2013.01); G06Q 30/0601 (2013.01); G06Q 20/12 (2013.01); G06Q 20/204 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/3276 (2013.01);
Abstract

Systems, methods, and computer program products are provided for pre-processing a sales return. The system may initiate a sales return transaction prior to a customer being physically present at a merchant store. To this extent, the system is also capable of transmitting sales return information to a merchant such that the consumer's presence is not necessary in order to process a sales return transaction. Merchants and Consumers may use QR codes to both process payments for sales transactions and initiate sales return transactions.


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