Patent US4870259A successfully refreshed from Google Patents.
US4870259A
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Transaction approval system
Assignee: Visa International Service Association
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Filing: 1989-01-06
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Granted: 1989-09-26
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Expires: 2009-01-06
Abstract
Abstract An improved system is disclosed for detecting invalid transaction cards at remote transaction terminals. The system includes providing each terminal with a master table having data corresponding to invalid cards. The data in the master table is less than the actual account numbers of the invalid cards. By using a compressed version of the data, the file can be shortened to facilitate storage and transmission. The compressed data file is arranged such that when an invalid card is presented, it will be identified and routed on for further processing. In the preferred embodiment, the probability that a valid card will be identified as potentially invalid is on the order of one to three percent.
Inventors
- 👤 Elvis W. Boggan
- 👤 Carl M. Campbell
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-25 22:28
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/38; G06Q20/40; G06Q20/403
Claims Analysis
Total Claims: 14
Claim 1
Independent Claim
117 words
A terminal for facilitating the off-line approval of transactions based upon the use of transaction cards each having an account number, comprising: data entry means for receiving data representative of the account number of a transaction card presented for a transaction; storage means for storing a master table which includes data derived from a list of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; and processor means for comparing the account number of the card presented for the transaction with the information stored in the master table and generating an output signal based upon the outcome of the comparison.
Claim 2
Dependent Claim
117 words
A terminal for facilitating the off-line approval of transactions based upon the use of transaction cards each having an account number, comprising: data entry means for receiving data representative of the account number of a transaction card presented for a transaction; storage means for storing a master table which includes data derived from a list of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; and processor means for comparing the account number of the card presented for the transaction with the information stored in the master table and generating an output signal based upon the outcome of the comparison.
Claim 3
Dependent Claim
113 words
A terminal for facilitating the off-line approval of transactions based upon the use of transaction cards each having an account number, comprising: data entry means for receiving data representative of the account number of a transaction card presented for a transaction; storage means for storing a master table which includes data derived from a list of transaction cards, said master table being defined by a plurality of bit maps wherein each listed card is represented by one indicator; and processor means for comparing the account number of the card presented for the transaction with the information stored in the master table and generating an output signal based upon the outcome of the comparison.
Claim 4
Dependent Claim
113 words
A terminal for facilitating the off-line approval of transactions based upon the use of transaction cards each having an account number, comprising: data entry means for receiving data representative of the account number of a transaction card presented for a transaction; storage means for storing a master table which includes data derived from a list of transaction cards, said master table being defined by a plurality of bit maps wherein each listed card is represented by one indicator; and processor means for comparing the account number of the card presented for the transaction with the information stored in the master table and generating an output signal based upon the outcome of the comparison.
Claim 5
Dependent Claim
47 words
A terminal as recited in claim 2 wherein the length of the bit maps in the master table are set with respect to the number of listed transaction cards much that the probability of an indicator being present in a bit map is approximately 0.4 to 0.5.
Claim 6
Dependent Claim
42 words
A terminal as recited in claim 2 wherein the number of bit maps in the master table are selected such that the probability of a nonlisted card being represented as a listed card in the data file is less than ten percent.
Claim 7
Dependent Claim
46 words
A terminal as recited in claim 2 wherein the number of bit maps in the master table are selected such that the probability of a nonlisted card being represented as a listed card in the data file is on the order of one to three percent.
Claim 8
Dependent Claim
59 words
A terminal as recited in claim 2 wherein said master table is defined by selecting sets of digits from the account number of each listed transaction card and calculating an index value for each set of digits which is an algorithmic function thereof and placing an indicator in individual bit maps at locations corresponding to the calculated index values.
Claim 9
Dependent Claim
61 words
A terminal as recited in claim 2 wherein said processor means selects sets of digits from the account number of the transaction card which has been presented for the transaction and generates a set of index values and wherein said index values are used to determine if indicators are present in corresponding locations in the bit maps of the master table.
Claim 10
Dependent Claim
36 words
A terminal as recited in claim 7 wherein the processor means allows the transaction to continue unless an indicator is present in each bit map and in that case, the transaction is subjected to further verification.
Claim 11
Independent Claim
99 words
A method of operating a transaction terminal for facilitating the off-line approval of transactions based upon the use of transaction cards each having an account number, comprising the steps of: storing a master table which includes data derived from a lift of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; comparing the account number of the card presented for the transaction with the information stored in the master table; and generating an output signal based upon the outcome of the comparison.
Claim 12
Independent Claim
99 words
A method of operating a transaction terminal for facilitating the off-line approval of transactions based upon the use of transaction cards each having an account number, comprising the steps of: storing a master table which includes data derived from a lift of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; comparing the account number of the card presented for the transaction with the information stored in the master table; and generating an output signal based upon the outcome of the comparison.
Claim 13
Independent Claim
126 words
A method of operating a transaction terminal for facilitating the off-line approval of transactions based upon the use of transaction cards each having an account number, comprising the steps of: storing a master table which includes data derived from a list of invalid transaction cards, said master table being defined by a plurality of bit maps wherein each listed card is represented by one indicator in each bit map, each said indicator corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card; comparing the account number of the card presented for the transaction with the information stored in the master table; and generating an output signal based upon the outcome of the comparison.
Claim 14
Independent Claim
126 words
A method of operating a transaction terminal for facilitating the off-line approval of transactions based upon the use of transaction cards each having an account number, comprising the steps of: storing a master table which includes data derived from a list of invalid transaction cards, said master table being defined by a plurality of bit maps wherein each listed card is represented by one indicator in each bit map, each said indicator corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card; comparing the account number of the card presented for the transaction with the information stored in the master table; and generating an output signal based upon the outcome of the comparison.
References Cited (Backward Citations)
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1992-09-25 | 1993-03-27 | 1993-09-26 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 1996-09-25 | 1997-03-27 | 1997-09-26 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2000-09-25 | 2001-03-27 | 2001-09-26 | $7700.00 | Window Closed / Lapsed |