WO1996042150A2 - Automated routing of messages over a network - Google Patents
Automated routing of messages over a network Download PDFInfo
- Publication number
- WO1996042150A2 WO1996042150A2 PCT/US1996/009931 US9609931W WO9642150A2 WO 1996042150 A2 WO1996042150 A2 WO 1996042150A2 US 9609931 W US9609931 W US 9609931W WO 9642150 A2 WO9642150 A2 WO 9642150A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- transaction data
- terminal node
- connection
- node
- target host
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- the present invention relates generally to systems for effecting point of sale transactions.
- the present invention relates to a system for communicating between a point of sale terminal and one of a number of credit verification services.
- the particular verification service is chosen based on a Bank Identification Number assigned by the credit card administrator to organizations that particiapate in specific card plans.
- a message consisting of transaction data is sent from the POS terminal to a verification service over a computer network.
- the POS terminal has the ability to read the magnetic strip on a credit or debit card (in order to accept card information), to accept data regarding the transaction from a keyboard or other input means, and to originate a telephone call to an appropriate port that can access the verification service — usually, via a sophisticated communications network such as CompuServe.
- the POS terminal provides, as part of the message, information for a host computer on the communications network to establish a connection with and route the message to a host computer at the proper verification service (the target host).
- the message contains a Bank Identification Number that is used by a host on the communications network to select a verification service.
- a Bank Identification Number is a unique and individual series of numbers assigned by the credit card administrator to organizations that participate in specific card plans.
- transaction data sent from the POS terminal is verified by a host computer on the communications network before it attempts to connect to the target host. If the transaction data is invalid, notification is sent to the POS terminal so the message may be resent. If the transaction data is valid, the host on the communications
- transaction speed is important because decreases in transaction speed may result in increases in the number of transactions completed during a particular time period. Therefore, an important goal in credit card transaction processing is to reduce the time needed to complete a transaction.
- the objective of the present invention is further reduce transaction processing time.
- the present invention further reduces transaction processing time by establishing a connection with a target node while the transaction data is being received from the POS terminal, but before it is validated. In the event that the transaction data is valid, verification of the transaction may begin as soon as the connection is established. If the connection is established before validation of the transaction data, verification of the transaction may begin immediately following validation.
- Figure 1 is a diagrammatic view of the system organization for a preferred embodiment of the present invention.
- Figure 2A is a flow chart of the principal steps for completing a credit card transaction
- Figure 2B is a continuation of the flow chart of Figure 2 A;
- Figure 3 is a timing diagram that illustrates the timing for the steps in completing a credit card transaction.
- a POS terminal 10 is connected for communication with a public telephone network (PTN) 12, so that a verification call that will ultimately reach a target host computer 22 at a verification service may be placed over the PTN 12.
- PTN 12 is connected — via a modem 14 — for communication with a communications network 18.
- the communications network 18 may be a part of the PTN 12, or it may be a separate network accessed by the PTN 12.
- the communications network 18 is capable of establishing a connection with a number of verification services.
- the transaction is processed though a terminal node 16 and a host node 20 that are part of the communications network 18.
- the POS terminal 10 is equipped with a card reader for reading the magnetic strip.
- the POS terminal 10 also has a keyboard or other input means for manually entering the account number and other purchaser and card data. Other means for reading or entering this data may be used as welL
- the POS terminal 10 will normally also have a display means, such as an LCD display, and printing means, such as a transaction record printer.
- a display means such as an LCD display
- printing means such as a transaction record printer.
- FIG 2A the principal steps for processing a credit card transaction are presented.
- the POS terminal directs a call, preferably through the public telephone network, to the Terminal node 12.
- the terminal node is part of a sophisticated communications network such as CompuServe.
- a modem under the control of the Terminal node, answers the call placed by the POS terminal 14.
- the Terminal node prompts the POS terminal for the transaction data associated with the current purchase.
- the POS terminal responds to the request by sending the transaction data to the Terminal node 18.
- the transaction includes routing data that may be used to determine which verification target host should be used to verify the transaction.
- the routing data is located at the beginning of the transaction data and includes a Bank Identification Number (BIN) for selecting a verification service.
- BIN Bank Identification Number
- the BIN may be used to locate detailed connect information needed to establish a connection with a target host belonging to the verification service.
- the BIN may be converted to a communications address through the use of a look-up table or through any other translation method.
- the Terminal node extracts the routing data from the transaction data sent by the POS terminal 20.
- the Terminal node starts to establish a connection with the target host at substantially the point at which the routing data has been extracted 22.
- the atttempt to establish the connection is made while the Terminal node continues to receive and then validate transaction data from the POS terminal 22.
- the ability to establish a network connection with a verification service target host while the remaining transaction data is received and validated is unique to the present invention.
- the ability to establish the network connection while processing the remaining transaction data reduces the overall processing time because the connection and processing functions are performed concurrently rather than sequentially.
- the Terminal node validates the transaction data, preferably by performing a checksum operation on the data 24.
- the process of performing a checksum operation is well-known in the art and is not explained here.
- the connection to the target host is interrupted 26.
- an error recovery process is started and the Terminal node prompts the POS terminal to resend the transaction data.
- the error recovery process starts at step 16 of Figure 2A. If the transaction data was properly received, then the Terminal node may take advantage of the connection that has been established with the target host and transmit the transaction data to the target host for verification 30. Data may flow in both directions in order to complete the authorization of the transaction. One, 2, or more messages may be needed for authorization.
- Figure 3 is a timing diagram that illustrates the timing for the steps in completing a credit card transaction.
- the figure shows which steps occur sequentially (one step does not begin until the previous has ended) and which steps occur concurrently (more than one step is performed at a given point in time).
- the arrows indicate the direction of data transmission.
- the ability to perform some of the operations concurrently which is unique to the present invention — results in a reduction of the overall transaction processing time.
- the POS terminal 10 connects to the Terminal node 14, preferably via a modem 12 controlled by the Terminal node.
- transaction data is sent to a target host 20 via a host node 18 conected to a communication network 16.
- the POS terminal calls the Terminal node.
- the Terminal node answers the POS terminal call 24 and prompts the POS terminal for the transaction data 26.
- the POS terminal then starts transmitting the transaction data 28 to the Terminal node.
- all steps are performed sequentially.
- the Terminal node extracts routing data at substantially the point at which that portion of the transaction containing the routing data arrives at the Terminal node and then initiates a connection to the target host 32. It is at this point that the present invention starts performing concurrent operations.
- One operation — the network connect operatio — consists of the sequential steps of (1) sending a network connect request 32 from the Terminal node 14 to a host node 18, (2) the host node
- the other operations performed at the same time as the network connect operation are the sequential operations of first receiving and then validating the remainder of the transaction data past the previously extracted routing data 30. At this point the connection is open so that data may flow in both directions to complete the authorization of the transaction.
Abstract
Description
Claims
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GB9725858A GB2319108B (en) | 1995-06-07 | 1996-06-07 | Automated routing of point of sale transaction data |
CA002223178A CA2223178C (en) | 1995-06-07 | 1996-06-07 | Automated routing of messages over a network |
JP50324297A JP2002515989A (en) | 1995-06-07 | 1996-06-07 | Automated routing of messages through the network |
DE19681450T DE19681450C2 (en) | 1995-06-07 | 1996-06-07 | Credit card transaction system and method for automated routing of messages over a network |
AU61103/96A AU701815B2 (en) | 1995-06-07 | 1996-06-07 | Automated routing of messages over a network |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/488,073 US5678010A (en) | 1995-06-07 | 1995-06-07 | Automated routing of messages over a network |
US08/488,073 | 1995-06-07 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO1996042150A2 true WO1996042150A2 (en) | 1996-12-27 |
WO1996042150A3 WO1996042150A3 (en) | 1998-02-26 |
Family
ID=23938234
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1996/009931 WO1996042150A2 (en) | 1995-06-07 | 1996-06-07 | Automated routing of messages over a network |
Country Status (7)
Country | Link |
---|---|
US (1) | US5678010A (en) |
JP (1) | JP2002515989A (en) |
AU (1) | AU701815B2 (en) |
CA (1) | CA2223178C (en) |
DE (1) | DE19681450C2 (en) |
GB (1) | GB2319108B (en) |
WO (1) | WO1996042150A2 (en) |
Cited By (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2000062259A1 (en) * | 1999-04-13 | 2000-10-19 | Orbis Patents Limited | Person-to-person, person-to-business, business-to-person, and business-to-business financial transaction system |
CN100442763C (en) * | 2005-04-13 | 2008-12-10 | 华为技术有限公司 | POS switch-in group realizing method |
JP2009282974A (en) * | 1997-08-27 | 2009-12-03 | Data Treasury Corp | Remote data processing system |
US7840486B2 (en) | 1999-01-15 | 2010-11-23 | D Agostino John | System and method for performing secure credit card purchases |
US8676707B2 (en) | 1998-03-25 | 2014-03-18 | Orbis Patents Ltd. | Credit cards system and method having additional features |
US10592901B2 (en) | 2001-06-04 | 2020-03-17 | Orbis Patents, Ltd. | Business-to-business commerce using financial transaction numbers |
Families Citing this family (55)
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US5864679A (en) * | 1993-09-06 | 1999-01-26 | Kabushiki Kaisha Toshiba | Transaction routing in a multiple processor system using an extracted transaction feature parameter and transaction historical data |
CA2193582A1 (en) * | 1995-12-21 | 1997-06-22 | Aidan O'leary | Order processing method |
GB9601924D0 (en) * | 1996-01-31 | 1996-04-03 | Certicom Corp | Transaction verification protocol for smart cards |
US6014635A (en) * | 1997-12-08 | 2000-01-11 | Shc Direct, Inc. | System and method for providing a discount credit transaction network |
US6314519B1 (en) * | 1997-12-22 | 2001-11-06 | Motorola, Inc. | Secure messaging system overlay for a selective call signaling system |
IES990584A2 (en) | 1999-07-12 | 2000-07-12 | Mainline Corporate Holdings | Dynamic currency conversion for card payment systems |
US7353208B1 (en) | 2000-02-02 | 2008-04-01 | Transaction Network Services, Inc. | Transaction processing using intermediate server architecture |
JP2003534585A (en) | 2000-03-15 | 2003-11-18 | マスターカード インターナシヨナル インコーポレーテツド | Secure payment method and system over computer network |
US7379919B2 (en) | 2000-04-11 | 2008-05-27 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
JP4772251B2 (en) * | 2000-04-11 | 2011-09-14 | マスターカード インターナシヨナル インコーポレーテツド | Improved method and system for performing secure payment over a computer network |
US6732175B1 (en) | 2000-04-13 | 2004-05-04 | Intel Corporation | Network apparatus for switching based on content of application data |
US7146422B1 (en) | 2000-05-01 | 2006-12-05 | Intel Corporation | Method and apparatus for validating documents based on a validation template |
US20010047334A1 (en) * | 2000-05-24 | 2001-11-29 | Victor Nappe | System and method for using existing prepaid card systems for making payments over the internet |
US6347739B1 (en) | 2000-06-08 | 2002-02-19 | Amos Tamam | System for credit card acceptance in taxicabs |
US7233920B1 (en) * | 2000-09-07 | 2007-06-19 | Paymentech, L.P. | System and apparatus for credit transaction data transmission |
US7000001B2 (en) * | 2000-09-12 | 2006-02-14 | Research In Motion Limited | Bookmark beacon system and method |
US6915279B2 (en) | 2001-03-09 | 2005-07-05 | Mastercard International Incorporated | System and method for conducting secure payment transactions |
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AU2002332556A1 (en) * | 2001-08-15 | 2003-03-03 | Visa International Service Association | Method and system for delivering multiple services electronically to customers via a centralized portal architecture |
US20030065569A1 (en) * | 2001-09-04 | 2003-04-03 | Aaron Danis | Method and apparatus for coordinating transaction data for a plurality of point-of-sale terminals |
US7054842B2 (en) | 2001-10-03 | 2006-05-30 | First Data Corporation | Stored value cards and methods for their issuance |
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JP3963752B2 (en) * | 2002-03-27 | 2007-08-22 | 富士通株式会社 | Transaction data management system, method and program therefor |
US6877657B2 (en) * | 2002-06-28 | 2005-04-12 | First Data Corporation | Methods and systems for production of transaction cards |
US7219149B2 (en) | 2003-06-12 | 2007-05-15 | Dw Holdings, Inc. | Versatile terminal adapter and network for transaction processing |
US20040054812A1 (en) * | 2002-09-13 | 2004-03-18 | Jiasen Liang | System and method for interfacing with a legacy computer system |
US7424455B2 (en) * | 2002-09-17 | 2008-09-09 | First Data Corporation | Method and systems for providing merchant services with right-time creation and updating of merchant accounts |
US7069244B2 (en) * | 2002-09-17 | 2006-06-27 | First Data Corporation | Method and system for merchant processing of purchase card transactions with expanded card type acceptance |
US7319977B2 (en) * | 2002-10-08 | 2008-01-15 | First Data Corporation | Discount-instrument methods and systems |
US7083081B2 (en) * | 2002-10-08 | 2006-08-01 | First Data Corporation | Electronic card and ticket and methods for their use |
US7882021B2 (en) * | 2003-01-30 | 2011-02-01 | First Data Corporation | Financial settlement systems and methods |
US8271380B2 (en) * | 2003-01-30 | 2012-09-18 | First Data Corporation | Decentralized guaranteed stored value transfer system and method |
US7409358B2 (en) * | 2003-02-21 | 2008-08-05 | First Data Corporation | Methods and systems for coordinating a change in status of stored-value cards |
US7328191B2 (en) * | 2003-03-31 | 2008-02-05 | First Data Corporation | Methods and systems for processing unrestricted stored-value instruments |
US7316350B2 (en) * | 2003-04-22 | 2008-01-08 | First Data Corporation | Multi-purse card system and methods |
US20040254833A1 (en) * | 2003-06-12 | 2004-12-16 | First Data Corporation | Presentation instrument production systems and methods |
US20050116027A1 (en) * | 2003-06-12 | 2005-06-02 | First Data Corp. | Personalized presentation instrument production systems and methods |
US7761375B2 (en) * | 2004-03-16 | 2010-07-20 | Hewlett-Packard Development Company, L.P. | Transaction switch and a method for use thereof |
US7303121B2 (en) * | 2004-05-26 | 2007-12-04 | First Data Corporation | System and method for initializing financial presentation instruments |
US20060074767A1 (en) * | 2004-10-05 | 2006-04-06 | First Data Corporation | Selective inclusion of stored value cards in mailings |
WO2007019387A2 (en) * | 2005-08-04 | 2007-02-15 | Transaction Network Services, Inc. | Systems and method for vending machine settlement |
US8818904B2 (en) | 2007-01-17 | 2014-08-26 | The Western Union Company | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
US7933835B2 (en) | 2007-01-17 | 2011-04-26 | The Western Union Company | Secure money transfer systems and methods using biometric keys associated therewith |
US8504473B2 (en) | 2007-03-28 | 2013-08-06 | The Western Union Company | Money transfer system and messaging system |
US7783571B2 (en) * | 2007-05-31 | 2010-08-24 | First Data Corporation | ATM system for receiving cash deposits from non-networked clients |
US8700446B2 (en) * | 2008-03-28 | 2014-04-15 | First Data Corporation | Methods and systems for dynamically generating coupons associated with presentation instruments |
US7885878B2 (en) | 2008-05-28 | 2011-02-08 | First Data Corporation | Systems and methods of payment account activation |
US8672216B2 (en) | 2009-04-14 | 2014-03-18 | First Data Corporation | Flat card production systems and methods |
US9317844B2 (en) | 2010-03-02 | 2016-04-19 | Shopkeep.Com, Inc. | System and method for remote management of sale transaction data |
US11030598B2 (en) | 2010-03-02 | 2021-06-08 | Lightspeed Commerce Usa Inc. | System and method for remote management of sale transaction data |
US20150278789A1 (en) * | 2010-03-02 | 2015-10-01 | Shopkeep.Com, Inc. | System and method for remote management of sale transaction data |
US10699261B2 (en) | 2010-03-02 | 2020-06-30 | Shopkeep Inc. | System and method for remote management of sale transaction data |
US9965755B2 (en) | 2011-02-28 | 2018-05-08 | Shopkeep.Com, Inc. | System and method for remote management of sale transaction data |
US10735304B2 (en) | 2011-02-28 | 2020-08-04 | Shopkeep Inc. | System and method for remote management of sale transaction data |
CN102291294B (en) * | 2011-05-12 | 2016-03-30 | 中兴通讯股份有限公司 | A kind of method and device realizing the intercommunication of POS/ETH line card |
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US4386266A (en) * | 1980-02-11 | 1983-05-31 | International Business Machines Corporation | Method for operating a transaction execution system having improved verification of personal identification |
US5231570A (en) * | 1990-12-11 | 1993-07-27 | Lee Gerritt S K | Credit verification system |
Family Cites Families (1)
Publication number | Priority date | Publication date | Assignee | Title |
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JPS5979375A (en) * | 1982-10-29 | 1984-05-08 | Omron Tateisi Electronics Co | Facility for settling transactions |
-
1995
- 1995-06-07 US US08/488,073 patent/US5678010A/en not_active Expired - Lifetime
-
1996
- 1996-06-07 JP JP50324297A patent/JP2002515989A/en not_active Ceased
- 1996-06-07 WO PCT/US1996/009931 patent/WO1996042150A2/en active Application Filing
- 1996-06-07 CA CA002223178A patent/CA2223178C/en not_active Expired - Fee Related
- 1996-06-07 AU AU61103/96A patent/AU701815B2/en not_active Ceased
- 1996-06-07 DE DE19681450T patent/DE19681450C2/en not_active Expired - Fee Related
- 1996-06-07 GB GB9725858A patent/GB2319108B/en not_active Expired - Fee Related
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
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US4386266A (en) * | 1980-02-11 | 1983-05-31 | International Business Machines Corporation | Method for operating a transaction execution system having improved verification of personal identification |
US5231570A (en) * | 1990-12-11 | 1993-07-27 | Lee Gerritt S K | Credit verification system |
Cited By (11)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2009282974A (en) * | 1997-08-27 | 2009-12-03 | Data Treasury Corp | Remote data processing system |
US8676707B2 (en) | 1998-03-25 | 2014-03-18 | Orbis Patents Ltd. | Credit cards system and method having additional features |
US8756150B2 (en) | 1998-03-25 | 2014-06-17 | Orbis Patents Limited | Credit card system and method |
US9881298B2 (en) | 1998-03-25 | 2018-01-30 | Orbis Patents Limited | Credit card system and method |
US9898730B2 (en) | 1998-03-25 | 2018-02-20 | Orbit Patents Limited | Credit card system and method |
US7840486B2 (en) | 1999-01-15 | 2010-11-23 | D Agostino John | System and method for performing secure credit card purchases |
WO2000062259A1 (en) * | 1999-04-13 | 2000-10-19 | Orbis Patents Limited | Person-to-person, person-to-business, business-to-person, and business-to-business financial transaction system |
US7433845B1 (en) | 1999-04-13 | 2008-10-07 | Orbis Patents Limited | Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions |
US7895122B2 (en) | 1999-04-13 | 2011-02-22 | Orbis Patents Limited | Person-to-person, person-to business and business-to-business financial transaction system |
US10592901B2 (en) | 2001-06-04 | 2020-03-17 | Orbis Patents, Ltd. | Business-to-business commerce using financial transaction numbers |
CN100442763C (en) * | 2005-04-13 | 2008-12-10 | 华为技术有限公司 | POS switch-in group realizing method |
Also Published As
Publication number | Publication date |
---|---|
GB2319108A (en) | 1998-05-13 |
DE19681450C2 (en) | 2000-08-10 |
GB9725858D0 (en) | 1998-02-04 |
JP2002515989A (en) | 2002-05-28 |
AU6110396A (en) | 1997-01-09 |
GB2319108B (en) | 1999-03-03 |
DE19681450T1 (en) | 1998-07-23 |
CA2223178C (en) | 2001-09-04 |
AU701815B2 (en) | 1999-02-04 |
US5678010A (en) | 1997-10-14 |
WO1996042150A3 (en) | 1998-02-26 |
CA2223178A1 (en) | 1996-12-27 |
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