EP0709811A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Transaction terminal
Assignee: Visa International Service Association
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Filing: 1991-10-25
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Granted: —
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Expires: 2011-10-25
Abstract
Abstract In a transaction approval system (10) in which a transaction limit (30) and a list (42) of the card account numbers of invalid transaction cards are stored in a terminal (16) the terminal (16) also generates and stores lists (44,46) of account numbers which might be invalid and should provoke an on-line request for authorisation. One (44) of the lists generated is of card account numbers where the transaction exceeded the transactions limit (30) and was refused by the central processor (12). The other list (46) generated is of card account numbers where the transaction was approved off-line, so that the next transaction by a card holder whose number is on this list (46) will be automatically referred for on-line approval.
Inventors
- 👤 Carl A. Adams
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-07 13:01
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/38; G06Q20/40; G06Q20/403; G06Q20/4037
Claims Analysis
Total Claims: 7
Claim 1
Independent Claim
188 words
A transaction terminal for use in an network for authorizing transactions based on the use of transactions cards, each transaction card having an account number, said network including a central processor, said transaction terminal comprising: storage means, said storage means including criteria for authorizing transactions and a list of account numbers of transaction cards; and processor means functioning to authorize certain of said transactions based on said criteria, said criteria including a comparison of the account number of the card presented for the transaction to said list of stored account numbers, said processor means further functioning to request authorization information from the central processor for the remaining transactions which have not been authorized by the processor means, and if any such request for authorization is declined by the central processor, said processor means further functions to add the account number of the transaction card presented for that transaction to said list in said storage means so that a subsequent use of that transaction card at the terminal will result in a request for authorization information from the central processor even if the remainder of said criteria are met.
Claim 2
Dependent Claim
31 words
A transaction terminal as recited in claim 1 wherein said criteria for authorizing the transaction further includes a transaction limit which is compared to the transaction amount by said processor means.
Claim 3
Dependent Claim
46 words
A transaction terminal as recited in claim 1 wherein the maximum number of cards which can exist in the list is fixed and when that limit is reached, the earliest temporal entry to that list is deleted to provide room for the most current temporal entry.
Claim 4
Dependent Claim
185 words
A transaction terminal for use in an network for authorizing transactions based on the use of transactions cards, each transaction card having an account number, said network including a central processor, said transaction terminal comprising: storage means for maintaining a transaction limit and a list of account numbers of transaction cards; and processor means functioning to authorize certain of said transactions by comparing the account number of the card presented for the transaction to said list of stored account numbers as well as comparing the amount of the transaction to the transaction limit, said processor means further functioning to request authorization information from the central processor for the remaining transactions which have not been authorized by the processor means, said processor means further functioning to add the account number of the transaction card presented for that transaction to said list in said storage means only if said processor means authorized said transaction, so that a subsequent use of that transaction card at that terminal will result in a request for authorization information from said central processor even if the remainder of said criteria are met.
Claim 5
Dependent Claim
46 words
A transaction terminal as recited in claim 4 wherein the maximum number of cards which can exist in the list is fixed and when that limit is reached, the earliest temporal entry to that list is deleted to provide room for the most current temporal entry.
Claim 6
Independent Claim
166 words
A method of operating a transaction terminal for use in an network for authorizing transactions based on the use of transactions cards, each transaction card having an account number, said network including a central processor, and wherein a list of account numbers of transaction cards are stored in the terminal along with criteria for approving a transaction, said criteria including a comparison of the account number of the card presented for the transaction to the list of stored account numbers, said method comprising the steps of: requesting authorization information from the central processor for transactions which do not meet the stored criteria, and if any such request for authorization is declined by the central processor; adding the account number of the transaction card presented for that transaction to the list in the terminal so that a subsequent use of that transaction card at the terminal will result in a request for authorization information from the central processor even if the remainder of said criteria are met.
Claim 7
Dependent Claim
29 words
A method as recited in claim 6 wherein the criteria for authorizing the transaction further includes a transaction limit which is compared to the transaction amount by the terminal.
References Cited (Backward Citations)
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