US5679940A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Transaction system with on/off line risk assessment
Assignee: First Data Corp
•
Filing: 1995-12-01
•
Granted: 1997-10-21
•
Expires: 2015-12-01
Abstract
Abstract A check acceptance system provides interactive authorizations and off-line terminal approvals. A merchant uses an interactive transaction terminal to communicate with a check acceptance service's authorization host computer. The terminal includes an electronic check reader and a magnetic stripe reader for reading magnetic stripe drivers licenses. The terminal acquires transaction data associated with a pending check transaction. The transaction data is analyzed to determine whether the transaction can be approved by the terminal. If so, an approval code is generated and a transaction packet including the transaction data and terminal approval code are stored in the terminal until subsequent communication with the host computer. If the pending transaction is not approved by the terminal, the transaction data is transmitted to the host computer. The host computer applies a risk scoring algorithm to the data to determine whether the transaction should be approved, declined, or whether additional information is needed. If the transaction is approved or declined, a response packet including authorization indicia is transmitted to the terminal. If additional data is needed, the host computer transmits prompts to the terminal. The terminal displays the prompts and the merchant enters the requested data into the terminal. A new transaction packet including the original transaction data and the additional requested data is transmitted to the host computer, where it is approved or declined.
Inventors
- 👤 Randy Joe Templeton
- 👤 Gerald Gulden
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-01 06:27
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/042; G06Q20/38; G06Q20/40; G06Q20/403; G07; G07F; G07F7/00; G07F7/08
Claims Analysis
Total Claims: 54
Claim 1
Independent Claim
269 words
A method for operating an authorization computer to provide interactive authorization indicia in response to transaction data received from a transaction terminal, comprising the steps of: receiving from said transaction terminal a first transaction packet including said transaction data, said transaction data being associated with a pending transaction; applying a risk scoring algorithm to at least a portion of said transaction data, said risk scoring algorithm providing a first transaction score; in response to said first transaction score exceeding a predetermined approval value, approving said transaction by transmitting an approval code to said transaction terminal; in response to said first transaction score falling below said predetermined approval value, determining whether said transaction terminal is capable of interactive processing; in response to a determination that said transaction terminal is not capable of interactive processing, declining said transaction by transmitting a decline code to said transaction terminal and terminating communication with said transaction terminal; in response to a determination that said transaction terminal is capable of interactive processing, transmitting a request for additional information to said transaction terminal; receiving from said transaction terminal a second transaction packet including said additional information; applying said risk scoring algorithm to at least a portion of said additional information, said risk scoring algorithm providing a second transaction score; in response to said second transaction score exceeding a predetermined approval value, approving said transaction by transmitting an approval code to said transaction terminal; and in response to said second transaction score falling below said predetermined approval value, declining said transaction by transmitting a decline code to said transaction terminal and terminating communication with said transaction terminal.
Claim 2
Independent Claim
269 words
A method for operating an authorization computer to provide interactive authorization indicia in response to transaction data received from a transaction terminal, comprising the steps of: receiving from said transaction terminal a first transaction packet including said transaction data, said transaction data being associated with a pending transaction; applying a risk scoring algorithm to at least a portion of said transaction data, said risk scoring algorithm providing a first transaction score; in response to said first transaction score exceeding a predetermined approval value, approving said transaction by transmitting an approval code to said transaction terminal; in response to said first transaction score falling below said predetermined approval value, determining whether said transaction terminal is capable of interactive processing; in response to a determination that said transaction terminal is not capable of interactive processing, declining said transaction by transmitting a decline code to said transaction terminal and terminating communication with said transaction terminal; in response to a determination that said transaction terminal is capable of interactive processing, transmitting a request for additional information to said transaction terminal; receiving from said transaction terminal a second transaction packet including said additional information; applying said risk scoring algorithm to at least a portion of said additional information, said risk scoring algorithm providing a second transaction score; in response to said second transaction score exceeding a predetermined approval value, approving said transaction by transmitting an approval code to said transaction terminal; and in response to said second transaction score falling below said predetermined approval value, declining said transaction by transmitting a decline code to said transaction terminal and terminating communication with said transaction terminal.
Claim 3
Dependent Claim
31 words
A method for operating an authorization computer as recited in claim 1, wherein said transaction data is selected from the group comprising: payment data, identification data, merchant data and product data.
Claim 4
Dependent Claim
41 words
A method for operating an authorization computer as recited in claim 1, wherein said first transaction packet comprises interactive processing indicia, and the step of determining whether said transaction terminal is capable of interactive processing comprises detecting said interactive processing indicia.
Claim 5
Dependent Claim
44 words
A method for operating an authorization computer as recited in claim 1, wherein said first transaction packet comprises a merchant identification number, and step of determining whether said transaction terminal is capable of interactive processing comprises analyzing data associated with said merchant identification number.
Claim 6
Dependent Claim
23 words
A method for operating an authorization computer as recited in claim 1, wherein said additional information comprises identification data associated with a customer.
Claim 7
Dependent Claim
35 words
A method for operating an authorization computer as recited in claim 1, further comprising the step of terminating communication between said authorization host computer and said transaction terminal after transmitting said request for additional information.
Claim 8
Dependent Claim
26 words
A method for operating an authorization computer as recited in claim 1, further comprising the step of determining whether second transaction packet includes said additional information.
Claim 9
Dependent Claim
26 words
A method for operating an authorization computer as recited in claim 7, wherein said second transaction packet includes a response indicating said additional information is present.
Claim 10
Dependent Claim
43 words
A method for operating an authorization computer as recited in claim 1, further comprising the steps of: searching a database for other data corresponding to said transaction data; and applying said risk scoring algorithm to at least a portion of said other data.
Claim 11
Independent Claim
256 words
A method for operating an authorization computer to provide interactive authorization indicia in response to transaction data received from a transaction terminal, comprising the steps of: receiving from said transaction terminal a first transaction packet including said transaction data, said transaction data being associated with a pending transaction; applying a risk scoring algorithm to at least a portion of said transaction data, said risk scoring algorithm providing a first transaction score; in response to said first transaction score exceeding a predetermined approval value, approving said transaction by transmitting an approval code to said transaction terminal; in response to said first transaction score falling below said predetermined approval value, determining whether said transaction terminal is capable of interactive processing; in response to a determination that said transaction terminal is not capable of interactive processing, declining said transaction by transmitting a decline code to said transaction terminal and terminating communication with said transaction terminal; in response to a determination that said transaction terminal is capable of interactive processing, transmitting a request for additional information to said transaction terminal; receiving from said transaction terminal a second transaction packet including said additional information; attempting to verify said transaction data using said additional information; in response to said transaction data being verified by said additional information, approving said transaction by transmitting an approval code to said transaction terminal; and in response to said transaction data not being verified by said additional information, declining said transaction by transmitting a decline code to said transaction terminal and terminating communication with said transaction terminal.
Claim 12
Independent Claim
256 words
A method for operating an authorization computer to provide interactive authorization indicia in response to transaction data received from a transaction terminal, comprising the steps of: receiving from said transaction terminal a first transaction packet including said transaction data, said transaction data being associated with a pending transaction; applying a risk scoring algorithm to at least a portion of said transaction data, said risk scoring algorithm providing a first transaction score; in response to said first transaction score exceeding a predetermined approval value, approving said transaction by transmitting an approval code to said transaction terminal; in response to said first transaction score falling below said predetermined approval value, determining whether said transaction terminal is capable of interactive processing; in response to a determination that said transaction terminal is not capable of interactive processing, declining said transaction by transmitting a decline code to said transaction terminal and terminating communication with said transaction terminal; in response to a determination that said transaction terminal is capable of interactive processing, transmitting a request for additional information to said transaction terminal; receiving from said transaction terminal a second transaction packet including said additional information; attempting to verify said transaction data using said additional information; in response to said transaction data being verified by said additional information, approving said transaction by transmitting an approval code to said transaction terminal; and in response to said transaction data not being verified by said additional information, declining said transaction by transmitting a decline code to said transaction terminal and terminating communication with said transaction terminal.
Claim 13
Dependent Claim
31 words
A method for operating an authorization computer as recited in claim 10, wherein said transaction data is selected from the group comprising: payment data, identification data, merchant data and product data.
Claim 14
Dependent Claim
41 words
A method for operating an authorization computer as recited in claim 10, wherein said first transaction packet comprises interactive processing indicia, and the step of determining whether said transaction terminal is capable of interactive processing comprises detecting said interactive processing indicia.
Claim 15
Dependent Claim
44 words
A method for operating an authorization computer as recited in claim 10, wherein said first transaction packet comprises a merchant identification number, and step of determining whether said transaction terminal is capable of interactive processing comprises analyzing data associated with said merchant identification number.
Claim 16
Dependent Claim
23 words
A method for operating an authorization computer as recited in claim 10, wherein said additional information comprises identification data associated with a customer.
Claim 17
Dependent Claim
35 words
A method for operating an authorization computer as recited in claim 10, further comprising the step of terminating communication between said authorization host computer and said transaction terminal after transmitting said request for additional information.
Claim 18
Dependent Claim
26 words
A method for operating an authorization computer as recited in claim 10, further comprising the step of determining whether second transaction packet includes said additional information.
Claim 19
Dependent Claim
26 words
A method for operating an authorization computer as recited in claim 16, wherein said second transaction packet includes a response indicating said additional information is present.
Claim 20
Dependent Claim
43 words
A method for operating an authorization computer as recited in claim 10, further comprising the steps of: searching a database for other data corresponding to said transaction data; and applying said risk scoring algorithm to at least a portion of said other data.
Claim 21
Independent Claim
229 words
A method of operating a transaction terminal to provide authorization of a transaction at the point of sale, comprising the steps of: receiving transaction data entered into the transaction terminal at the point of sale, the transaction data being associated with a pending transaction; applying a terminal-based risk scoring algorithm to the transaction data to determine whether the pending transaction can be approved at the transaction terminal; in response to a determination that the pending transaction can be approved at the transaction terminal, calculating an approval code; displaying the approval code on a display associated with the transaction terminal; storing an off-line transaction packet in a memory associated with the transaction terminal, the off-line transaction packet including at least a portion of the transaction data and at least a portion of the approval code; in response to a determination that the pending transaction cannot be approved at the transaction terminal, transmitting a pending transaction packet to a remote authorization host computer for authorization, the pending transaction packet including the transaction data; determining that the memory includes at least one previously stored off-line transaction packet; and in response to a determination that the memory includes at least one previously stored off-line transaction packet, including in the pending transaction packet a flag indicating that the transaction terminal has a stored off-line transaction packet for transmission to the remote authorization host computer.
Claim 22
Independent Claim
229 words
A method of operating a transaction terminal to provide authorization of a transaction at the point of sale, comprising the steps of: receiving transaction data entered into the transaction terminal at the point of sale, the transaction data being associated with a pending transaction; applying a terminal-based risk scoring algorithm to the transaction data to determine whether the pending transaction can be approved at the transaction terminal; in response to a determination that the pending transaction can be approved at the transaction terminal, calculating an approval code; displaying the approval code on a display associated with the transaction terminal; storing an off-line transaction packet in a memory associated with the transaction terminal, the off-line transaction packet including at least a portion of the transaction data and at least a portion of the approval code; in response to a determination that the pending transaction cannot be approved at the transaction terminal, transmitting a pending transaction packet to a remote authorization host computer for authorization, the pending transaction packet including the transaction data; determining that the memory includes at least one previously stored off-line transaction packet; and in response to a determination that the memory includes at least one previously stored off-line transaction packet, including in the pending transaction packet a flag indicating that the transaction terminal has a stored off-line transaction packet for transmission to the remote authorization host computer.
Claim 23
Dependent Claim
31 words
A method of operating a transaction terminal as recited in claim 19, wherein the transaction data is selected from the group comprising: payment data, identification data, merchant data and product data.
Claim 24
Independent Claim
232 words
A method of operating a transaction terminal to provide authorization of a transaction at the point of sale, comprising the steps of: receiving transaction data entered into the transaction terminal at the point of sale, the transaction data being associated with a vending transaction; applying a terminal-based risk scoring algorithm to the transaction data to determine whether the pending transaction can be approved at the transaction terminal; in response to a determination that the pending transaction can be approved at the transaction terminal, calculating an approval code; displaying the approval code on a display associated with the transaction terminal; storing an off-line transaction packet in a memory associated with the transaction terminal, the off-line transaction packet including at least a portion of the transaction data and at least a portion of the approval code; determining whether the memory includes a predetermined number of previously stored off-line transaction packets; in response to a determination that the memory includes a predetermined number of previously stored off-line transaction packets, transmitting a pending transaction packet to the remote authorization host computer for authorization, the pending transaction packet including the transaction data and a flag indicating that the transaction terminal has stored off-line transaction packets for transmission to the remote authorization host computer; receiving an authorization indicia from the remote authorization host computer; and transmitting the previously stored off-line transaction packets to the remote authorization host computer.
Claim 25
Independent Claim
232 words
A method of operating a transaction terminal to provide authorization of a transaction at the point of sale, comprising the steps of: receiving transaction data entered into the transaction terminal at the point of sale, the transaction data being associated with a vending transaction; applying a terminal-based risk scoring algorithm to the transaction data to determine whether the pending transaction can be approved at the transaction terminal; in response to a determination that the pending transaction can be approved at the transaction terminal, calculating an approval code; displaying the approval code on a display associated with the transaction terminal; storing an off-line transaction packet in a memory associated with the transaction terminal, the off-line transaction packet including at least a portion of the transaction data and at least a portion of the approval code; determining whether the memory includes a predetermined number of previously stored off-line transaction packets; in response to a determination that the memory includes a predetermined number of previously stored off-line transaction packets, transmitting a pending transaction packet to the remote authorization host computer for authorization, the pending transaction packet including the transaction data and a flag indicating that the transaction terminal has stored off-line transaction packets for transmission to the remote authorization host computer; receiving an authorization indicia from the remote authorization host computer; and transmitting the previously stored off-line transaction packets to the remote authorization host computer.
Claim 26
Independent Claim
251 words
A method of operating a transaction terminal to provide authorization of a transaction at the point of sale, comprising the steps of: receiving transaction data entered into the transaction terminal at the point of sale, the transaction data being associated with a pending transaction; applying a terminal-based risk scoring algorithm to the transaction data to determine whether the pending transaction can be approved at the transaction terminal; in response to a determination that the pending transaction can be approved at the transaction terminal, calculating an approval code; displaying the approval code on a display associated with the transaction terminal; storing an off-line transaction packet in a memory associated with the transaction terminal, the off-line transaction packet including at least a portion of the transaction data and at least a portion of the approval code; determining whether the memory includes a previously stored off-line transaction packet that has been stored for at least a predetermined period of time; in response to a determination that the memory includes a previously stored off-line transaction packet that has been stored for at least a predetermined period of time, transmitting a pending transaction packet to a remote authorization host computer for authorization, the pending transaction packet including the transaction data and a flag indicating that the transaction terminal has a stored off-line transaction packet for transmission to the remote authorization host computer; receiving an authorization indicia from the remote authorization host computer; and transmitting the previously stored off-line transaction packet to the remote authorization host computer.
Claim 27
Independent Claim
251 words
A method of operating a transaction terminal to provide authorization of a transaction at the point of sale, comprising the steps of: receiving transaction data entered into the transaction terminal at the point of sale, the transaction data being associated with a pending transaction; applying a terminal-based risk scoring algorithm to the transaction data to determine whether the pending transaction can be approved at the transaction terminal; in response to a determination that the pending transaction can be approved at the transaction terminal, calculating an approval code; displaying the approval code on a display associated with the transaction terminal; storing an off-line transaction packet in a memory associated with the transaction terminal, the off-line transaction packet including at least a portion of the transaction data and at least a portion of the approval code; determining whether the memory includes a previously stored off-line transaction packet that has been stored for at least a predetermined period of time; in response to a determination that the memory includes a previously stored off-line transaction packet that has been stored for at least a predetermined period of time, transmitting a pending transaction packet to a remote authorization host computer for authorization, the pending transaction packet including the transaction data and a flag indicating that the transaction terminal has a stored off-line transaction packet for transmission to the remote authorization host computer; receiving an authorization indicia from the remote authorization host computer; and transmitting the previously stored off-line transaction packet to the remote authorization host computer.
Claim 28
Independent Claim
186 words
A method of operating a transaction terminal to provide authorization of a payment for a transaction at the point of sale, comprising the steps of: storing in said transaction terminal predetermined risk assessment criteria; receiving at said transaction terminal transaction information corresponding to a pending transaction; applying said risk assessment criteria to said transaction information to determine whether the risk associated with said pending transaction is low, medium, or high; in response to said risk being low, authorizing said pending transaction by providing authorization indicia; in response to said risk being medium, attempting to communicate with an authorization host system via a communication means to obtain authorization indicia; in response to said risk being high, displaying a prompt message on a display associated with said transaction terminal to prompt for entry of predetermined additional information associated with said pending transaction; receiving said predetermined additional information entered into said transaction terminal via a data entry means; and in response to receipt of said predetermined additional information entered into said transaction terminal, attempting to communicate with said authorization host system via said communication means to obtain authorization indicia.
Claim 29
Independent Claim
186 words
A method of operating a transaction terminal to provide authorization of a payment for a transaction at the point of sale, comprising the steps of: storing in said transaction terminal predetermined risk assessment criteria; receiving at said transaction terminal transaction information corresponding to a pending transaction; applying said risk assessment criteria to said transaction information to determine whether the risk associated with said pending transaction is low, medium, or high; in response to said risk being low, authorizing said pending transaction by providing authorization indicia; in response to said risk being medium, attempting to communicate with an authorization host system via a communication means to obtain authorization indicia; in response to said risk being high, displaying a prompt message on a display associated with said transaction terminal to prompt for entry of predetermined additional information associated with said pending transaction; receiving said predetermined additional information entered into said transaction terminal via a data entry means; and in response to receipt of said predetermined additional information entered into said transaction terminal, attempting to communicate with said authorization host system via said communication means to obtain authorization indicia.
Claim 30
Dependent Claim
26 words
A method for operating a transaction terminal as recited in claim 23, further comprising the step of storing said merchant identification information in said transaction terminal.
Claim 31
Dependent Claim
23 words
A method for operating a transaction terminal as recited in claim 23, wherein said authorization indicia is generated internally of said transaction terminal.
Claim 32
Dependent Claim
56 words
A method of operating a transaction terminal as recited in claim 23, further comprising the steps of: storing said authorization indicia in said transaction terminal in association with said transaction information; and transmitting said authorization indicia and said transaction information to a transaction processing host computer system via a communication means during a subsequent communications session.
Claim 33
Dependent Claim
43 words
A method of operating a transaction terminal as recited in claim 23, further comprising the step of: in response to receipt of authorization indicia from said authorization host system, storing said authorization indicia in said transaction terminal in association with said transaction information.
Claim 34
Dependent Claim
56 words
A method of operating a transaction terminal as recited in claim 23, further comprising the step of: subsequent to the step of attempting to communicate with an authorization host system in response to receipt of predetermined additional information, transmitting said predetermined additional information, said merchant identification information, and said transaction information to said authorization host system.
Claim 35
Dependent Claim
21 words
A method of operating a transaction terminal as recited in claim 23, wherein said predetermined additional information comprises customer identification information.
Claim 36
Dependent Claim
37 words
A method of operating a transaction terminal as recited in claim 29, wherein said data entry means includes a data card reader, and wherein said customer identification information comprises personal identification information entered via a data card.
Claim 37
Dependent Claim
37 words
A method of operating a transaction terminal as recited in claim 30, wherein said personal identification information entered via said data card is selected from the group comprising: driver's license information and social security number (SSN) information.
Claim 38
Dependent Claim
48 words
A method of operating a transaction terminal as recited in claim 29, wherein said data entry means includes a keypad, and wherein said customer identification information is selected from the group comprising: a personal identification number (PIN), a telephone number, mother's maiden name, and social security number (SSN).
Claim 39
Dependent Claim
20 words
A method of operating a transaction terminal as recited in claim 23, wherein said data entry means comprises a keypad.
Claim 40
Dependent Claim
21 words
A method of operating a transaction terminal as recited in claim 23, wherein said data entry means comprises a card reader.
Claim 41
Dependent Claim
30 words
A method of operating a transaction terminal as recited in claim 23, further comprising the step of obtaining payment form information from a payment form reader in said transaction terminal.
Claim 42
Dependent Claim
20 words
A method of operating a transaction terminal as recited in claim 23, wherein said transaction information comprises product identifying information.
Claim 43
Independent Claim
293 words
A method of authorizing a form of payment tendered at the point of sale, comprising the steps of: entering transaction data into said transaction terminal at the point of sale, said transaction data being associated with a pending transaction; applying a terminal-based risk scoring algorithm to said transaction data to determine whether said pending transaction can be approved at said transaction terminal; in response to a determination that said pending transaction can be approved at said transaction terminal, calculating an approval code; displaying said approval code on a display associated with said transaction terminal; storing an off-line transaction packet in a memory associated with said transaction terminal, said off-line transaction packet including said transaction data and said approval code; in response to determination that said pending transaction cannot be approved at said transaction terminal, transmitting a first transaction packet from a transaction terminal to an authorization host system, said first transaction packet comprising at least a portion of said transaction data; at said authorization host system, determining, based on said first transaction packet, whether to elicit additional information; at said authorization host system, in response to a determination to elicit additional information, communicating a tag signal to said transaction terminal; at said transaction terminal, in response to receipt of said tag signal, displaying a prompt; at said transaction terminal, in response to said displaying of said prompt, receiving additional information entered into said transaction terminal; at said transaction terminal, communicating a second transaction packet to said authorization host system, said second transaction packet comprising said additional information and said transaction data; at said authorization host system, determining whether to authorize or decline said transaction based on said second transaction packet; and communicating authorization indicia from said authorization host system to said transaction terminal.
Claim 44
Independent Claim
293 words
A method of authorizing a form of payment tendered at the point of sale, comprising the steps of: entering transaction data into said transaction terminal at the point of sale, said transaction data being associated with a pending transaction; applying a terminal-based risk scoring algorithm to said transaction data to determine whether said pending transaction can be approved at said transaction terminal; in response to a determination that said pending transaction can be approved at said transaction terminal, calculating an approval code; displaying said approval code on a display associated with said transaction terminal; storing an off-line transaction packet in a memory associated with said transaction terminal, said off-line transaction packet including said transaction data and said approval code; in response to determination that said pending transaction cannot be approved at said transaction terminal, transmitting a first transaction packet from a transaction terminal to an authorization host system, said first transaction packet comprising at least a portion of said transaction data; at said authorization host system, determining, based on said first transaction packet, whether to elicit additional information; at said authorization host system, in response to a determination to elicit additional information, communicating a tag signal to said transaction terminal; at said transaction terminal, in response to receipt of said tag signal, displaying a prompt; at said transaction terminal, in response to said displaying of said prompt, receiving additional information entered into said transaction terminal; at said transaction terminal, communicating a second transaction packet to said authorization host system, said second transaction packet comprising said additional information and said transaction data; at said authorization host system, determining whether to authorize or decline said transaction based on said second transaction packet; and communicating authorization indicia from said authorization host system to said transaction terminal.
Claim 45
Dependent Claim
31 words
A method of authorizing a check transaction as recited in claim 37, wherein said transaction data is selected from the group comprising: payment data, identification data, merchant data and product data.
Claim 46
Dependent Claim
58 words
A method of authorizing a check transaction as recited in claim 38, further comprising the step of determining that said memory includes at least one previously stored off-line transaction packet; and wherein said first transaction packet also includes a flag indicating that said transaction terminal has stored off-line transaction packets for transmission to said remote authorization host computer.
Claim 47
Dependent Claim
77 words
A method of authorizing a check transaction as recited in claim 37, further comprising the steps of: determining whether said memory includes a predetermined number of previously stored off-line transaction packets; in response to a determination that said memory includes a predetermined number of previously stored off-line transaction packets, transmitting said first transaction packet from said transaction terminal to said authorization host system; and transmitting said previously stored off-line transaction packets to said remote authorization host computer.
Claim 48
Dependent Claim
93 words
A method of authorizing a check transaction as recited in claim 37, further comprising the steps of: determining whether said memory includes previously stored off-line transaction packets that has been stored for at least a predetermined period of time; in response to a determination that said memory includes a previously stored off-line transaction that has been stored for at least a predetermined period of time, transmitting said first transaction packet from said transaction terminal to said authorization host system; and transmitting said previously stored off-line transaction packets to said remote authorization host computer.
Claim 49
Dependent Claim
39 words
A method of authorizing a check transaction as recited in claim 37, further comprising the step of: at said authorization host system, in response to a determination to authorize the transaction, communicating an approval code to said transaction terminal.
Claim 50
Dependent Claim
45 words
A method of authorizing a check transaction as recited in claim 42, further comprising the step of: at said transaction terminal, in response to receipt of said authorization indicia, whenever received, storing said authorization indicia in association with predetermined transaction information and completing said transaction.
Claim 51
Dependent Claim
42 words
A method of authorizing a check transaction as recited in claim 37, wherein said step of determining whether to elicit additional information comprises applying a risk scoring algorithm to at least a portion of the data included in said first transaction packet.
Claim 52
Dependent Claim
51 words
A method of authorizing a check transaction as recited in claim 37, wherein said step of determining whether to elicit additional information comprises the steps of: based on said first transaction packet, determining whether to approve said transaction; and based on said first transaction packet, determining whether to decline said transaction.
Claim 53
Dependent Claim
25 words
A method of authorizing a check transaction as recited in claim 37, wherein said prompt is displayed on a display associated with said transaction terminal.
Claim 54
Dependent Claim
30 words
A method of authorizing a check transaction as recited in claim 37, wherein said additional information is entered into said transaction terminal via a keypad associated with said transaction terminal.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2000-10-20 | 2001-04-21 | 2001-10-21 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2004-10-20 | 2005-04-21 | 2005-10-21 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2008-10-20 | 2009-04-21 | 2009-10-21 | $7700.00 | Window Closed / Lapsed |