Method and apparatus for transmitting data over a signalling channel in a digital telecommunications network

Claim 3

The method of claim 1 further comprising the step of processing said information element communicated to said host, said step of processing including the step of interacting with at least one database accessible by said host to determine whether a transaction is to be authorized.

Claim 4

The method of claim 2 wherein said first and second messages correspond respectively to "set-up" and "alerting" messages in accordance with the Q.931 standard.

Claim 5

The method of claim 1 wherein the information element is encoded as the contents of a user-user information element in accordance with the Q.931 standard.

Claim 6

The method of claim 1 wherein each remote terminal is a point-of-sale terminal for performing a variety of consumer transactions.

Claim 7

The method of claim 1 wherein an authorization request is encoded as the contents of said information element of said first message and an authorization code determined by the host is encoded as the information element of the third message.

Claim 8

The method of claim 1 wherein an authorization request is encoded as the contents of said information element of said first message and an authorization approval or denial determined by the host is encoded as the information element of the third message.

Claim 9

The method of claim 1 wherein an authorization request is encoded as the contents of said information element of said first message and authorization information is encoded as the information element of the second message.

Claim 10

A transaction processing system comprising: a host computer system including means for retrieving transaction data from information transmitted to said host; a plurality of remote terminals, each of said terminals having means for generating a message to be communicated to said host computer and means for interpreting a message received from said host computer, said message communicated to said host including said transaction data; a network for enabling communication between said host computer and said terminals in accordance with a communication protocol, said network providing each of said terminals with a plurality of multiplexed communication channels, at least one of which channels is a signalling channel; and means for reprogramming the remote terminals in response to programming information from the host, wherein each of said terminals includes means to exchange information with said computer by sending and receiving messages over said signalling channel of said network independent of other channels of said network, each of said messages including a first portion for data required for network communication by the communication protocol and a second portion for data representing the information not required by the communication protocol that is exchanged between said host computer and said terminal.

Claim 11

A transaction processing system comprising: a host computer system including means for retrieving transaction data from information transmitted to said host; a plurality of remote terminals, each of said terminals having means for generating a message to be communicated to said host computer and means for interpreting a message received from said host computer, said message communicated to said host including said transaction data; a network for enabling communication between said host computer and said terminals in accordance with a communication protocol, said network providing each of said terminals with a plurality of multiplexed communication channels, at least one of which channels is a signalling channel; and means for reprogramming the remote terminals in response to programming information from the host, wherein each of said terminals includes means to exchange information with said computer by sending and receiving messages over said signalling channel of said network independent of other channels of said network, each of said messages including a first portion for data required for network communication by the communication protocol and a second portion for data representing the information not required by the communication protocol that is exchanged between said host computer and said terminal.

Claim 12

The system of claim 9 wherein said network is an ISDN network.

Claim 13

The system of claim 10 wherein said signalling channel is a D channel provided by said ISDN network.

Claim 14

The system of claim 11 wherein said messages to be communicated to said host computer and said messages received from said host computer are formatted according to the Q.931 standard.

Claim 15

The system of claim 12 wherein said messages to be communicated to said host computer and said messages received from said host computer are transmitted over said ISDN network as part of a user-user information element formatted according to the Q.931 standard.

Claim 16

The system of claim 13 wherein the exchange of information between the host computer and each of the terminals is accomplished solely over said D channel of the ISDN network.

Claim 17

The system of claim 14 wherein each of said terminals is a point-of-sale (POS) terminal for performing a variety of consumer transactions such as sales, returns, authorizations, deposit inquiries, and voiding of a previously entered transaction.

Claim 18

The system of claim 15 wherein each of said POS terminals comprises at least one computer unit, associated peripherals, and interfaces to the network.

Claim 19

The system of claim 16 wherein said peripherals comprise a transaction data input device for entering transaction data to be communicated to the host computer over the network.

Claim 20

The system of claim 17 wherein the peripherals further comprise a consumer input device for entering data specific to a given consumer.

Claim 21

The system of claim 18 wherein the consumer input device is a card reader adapted to read encodings provided on a plastic card.

Claim 24

The method of claim 20 wherein the signalling channel is a D channel.

Claim 25

The method of claim 21 wherein the communication message is formatted according to the Q.931 standard.

Claim 26

Apparatus for transmitting a request related to a consumer transaction from a merchant to a host computer and for processing the request comprising: a terminal connected to the host via an ISDN network having at least one signalling channel; means for inputting consumer data including account information identifying a consumer's account into a memory of the terminal; means for encoding an application message string, which includes the consumer data and the request, in accordance with an application-oriented protocol, such that the message string can be interpreted by software running on the host; means for formatting a communication message according to a communications protocol, which communication message includes the application message string and consumer data for controlling message transmission across the ISDN network from the terminal to the host; means for transmitting the communication message over the signalling channel of the ISDN network: and means for reprogramming the terminal in response to programing information from the host.

Claim 27

Apparatus for transmitting a request related to a consumer transaction from a merchant to a host computer and for processing the request comprising: a terminal connected to the host via an ISDN network having at least one signalling channel; means for inputting consumer data including account information identifying a consumer's account into a memory of the terminal; means for encoding an application message string, which includes the consumer data and the request, in accordance with an application-oriented protocol, such that the message string can be interpreted by software running on the host; means for formatting a communication message according to a communications protocol, which communication message includes the application message string and consumer data for controlling message transmission across the ISDN network from the terminal to the host; means for transmitting the communication message over the signalling channel of the ISDN network: and means for reprogramming the terminal in response to programing information from the host.

Claim 28

The apparatus of claim 23 wherein the signalling channel is a D channel.

Claim 29

The apparatus of claim 24 wherein the communication message is formatted according to the Q.931 standard.

Claim 30

The apparatus of claim 25 wherein the application message string is transmitted as a user-user information element.

Claim 31

In a host computer, having access to at least one database and being connected to a terminal via an ISDN network, a method of processing a consumer transaction request comprising the steps of: receiving a request message from a signalling channel of the ISDN network, which message includes an application message string formatted according to an application-oriented protocol, and other data for controlling message transmission across the ISDN network; parsing the request message so as to separate the application message string from the other data in the request message; interpreting the message string in accordance with the application-oriented protocol so as to identify and process consumer data including consumer account information; retrieving information related to the consumer from the database; generating a response message on the basis of the retrieved information; and sending a response communication message over the signalling channel of the ISDN network; wherein the processing of the consumer transaction request is independent of any non-signalling channel provided by the ISDN network.

Claim 32

In a host computer, having access to at least one database and being connected to a terminal via an ISDN network, a method of processing a consumer transaction request comprising the steps of: receiving a request message from a signalling channel of the ISDN network, which message includes an application message string formatted according to an application-oriented protocol, and other data for controlling message transmission across the ISDN network; parsing the request message so as to separate the application message string from the other data in the request message; interpreting the message string in accordance with the application-oriented protocol so as to identify and process consumer data including consumer account information; retrieving information related to the consumer from the database; generating a response message on the basis of the retrieved information; and sending a response communication message over the signalling channel of the ISDN network; wherein the processing of the consumer transaction request is independent of any non-signalling channel provided by the ISDN network.

Claim 33

The method of claim 27 wherein the signalling channel is a D channel.

Claim 34

The method of claim 28 wherein the request message and response communication message are formatted in accordance with the Q.931 standard.

Claim 35

The method of claim 29 wherein the request communication message is a Q.931 set-up message and the response message is a Q.931 disconnect message.

Claim 36

Apparatus for processing a consumer transaction request comprising: a host computer; a remote terminal, said host computer and said terminal each being capable of two-way communication with each other via an ISDN network; at least one database accessible by said host; means for receiving a request message from a signalling channel of the ISDN network, which message includes an application message string formatted according to an application-oriented protocol, and other data for controlling message transmission across the ISDN network; means for parsing the request message so as to separate the application message string from the other data included in the request message; means for interpreting the message string in accordance with the application-oriented protocol so as to identify and process consumer data including consumer account information; means for retrieving information related to the consumer from the database; means for generating a response message on the basis of the retrieved information; and means for sending a response communication message over the signalling channel of the ISDN network.

Claim 37

Apparatus for processing a consumer transaction request comprising: a host computer; a remote terminal, said host computer and said terminal each being capable of two-way communication with each other via an ISDN network; at least one database accessible by said host; means for receiving a request message from a signalling channel of the ISDN network, which message includes an application message string formatted according to an application-oriented protocol, and other data for controlling message transmission across the ISDN network; means for parsing the request message so as to separate the application message string from the other data included in the request message; means for interpreting the message string in accordance with the application-oriented protocol so as to identify and process consumer data including consumer account information; means for retrieving information related to the consumer from the database; means for generating a response message on the basis of the retrieved information; and means for sending a response communication message over the signalling channel of the ISDN network.

Claim 38

The apparatus of claim 31 wherein the signalling channel is a D channel.

Claim 39

The apparatus of claim 32 wherein the request message and response communication message are formatted in accordance with the Q.931 standard.

Claim 40

The apparatus of claim 33 wherein the request communication message is a Q.931 set-up message and the response message is a Q.931 disconnect message.