WO1997013228A1 - Distributed on-line money access card transaction processing system - Google Patents

Distributed on-line money access card transaction processing system Download PDF

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Publication number
WO1997013228A1
WO1997013228A1 PCT/US1995/013166 US9513166W WO9713228A1 WO 1997013228 A1 WO1997013228 A1 WO 1997013228A1 US 9513166 W US9513166 W US 9513166W WO 9713228 A1 WO9713228 A1 WO 9713228A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
transaction
data
specified
card
Prior art date
Application number
PCT/US1995/013166
Other languages
French (fr)
Inventor
William S. Akel
Paul K. Schilling
Eric L. Solberg
Original Assignee
Akel William S
Schilling Paul K
Solberg Eric L
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to US08/221,686 priority Critical patent/US5457305A/en
Application filed by Akel William S, Schilling Paul K, Solberg Eric L filed Critical Akel William S
Priority to EP95942383A priority patent/EP0858645B1/en
Priority to DE69533231T priority patent/DE69533231D1/en
Priority to AU43625/96A priority patent/AU699425B2/en
Priority to KR1019980702538A priority patent/KR100348172B1/en
Priority to AT95942383T priority patent/ATE270451T1/en
Priority to PCT/US1995/013166 priority patent/WO1997013228A1/en
Priority to JP8517876A priority patent/JPH11511873A/en
Publication of WO1997013228A1 publication Critical patent/WO1997013228A1/en

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network
    • 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
    • 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
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • 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
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/401—Transaction verification

Definitions

  • the invention pertains to the general field of credit card cash advance systems and more particularly to an improved and simplified client-operated system that interfaces with any existing bank card authorization system.
  • Computer system ⁇ lient-operated financial transactions fall into two primary categories: 1) cash withdrawals, such as those from an Automated Teller Machine (ATM), and 2) credit card cash advances (CCCA) .
  • cash withdrawals are the method for obtaining money, and this transaction is debited against the customer's bank account. If enough money is available in the customer's account the transaction will be approved, otherwise, the transaction is rejected.
  • Industry statistics indicate that most customers have a limited amount of money on hand in their account, and ATM's will only allow the withdrawal of a certain money limit each day.
  • ATM's require sizeable space for operation, restrictions exist on the credit and debit cards used for operation, the operation and maintenance of ATM's are expensive, including "cash restocking" regularly, and ATM's do not provide any management information with regard to direct marketing and other promotional activities.
  • CCCA Credit card cash advance
  • CCCA Credit card cash advance
  • the number of transactions per day are not limited and the money received is strictly dependent on the customers available line of credit and the allowable limit by the location.
  • CCCA primarily use preprinted checks, as opposed to a receipt, printed with the customer's credit card number, and signed by the customer as receipt for the money received.
  • Both of the above described financial transaction system are typically comprised of centralized computer systems in one location that control all the available locations. In other words, when the central computer system is inoperative, it affects all remote locations.
  • This centralized computer approach is not uncommon for transaction oriented services; however, its undesirable limitations are solved by the instant invention.
  • the Credit Card Cash Advance (CCCA) market is not widely understood by either the consumers who use credit cards for cash advances or the establishments which support these transactions for their customers.
  • CCCA Credit Card Cash Advance
  • the CCCA market place is extremely limited and is primarily controlled by two companies.
  • the first and major company operates a computerized check cashing system that includes check authorization resources and telecommunication billing ⁇ ource ⁇ ; the second company is primarily concerned with controlling the disbursing of "over-the-counter" public money through electronic funds transfer.
  • the ATM has made it easier for banks and financial institutions to satisfy their customer's needs for fast and convenient withdrawals.
  • the ATM service provider receives a percentage of the transaction fee that is charged by the ATM device.
  • a check recipient utilizes hardware and software to gather data from a check and then process the check.
  • the hardware includes a reader for reading the Magnetic Ink Character Recognition (MICR) printed on the check, and means for associating this data with information pertaining to the transaction. This information is combined in a data record which is stored for future batch data transmission to .a clearing house or the issuing bank.
  • the invention also provide means for determining if the check information of a particular check is to be communicated in real time or in the batch mode.
  • the distributed on-line money access card transaction processing system is designed to provide a multi-tasking stand-alone financial transaction processing system.
  • the system consists of a customer data-input station that is in the form of a kiosk, a customer service station, a credit and debit bank card processing center, a customer transaction booth and a distributed on-line money access card transaction processing software which operates the system.
  • the customer data input station includes a bank card reader that reads various credit and debit bank cards, a touchscreen unit that allows a customer to enter transaction requests and receive instructions relating to that request, and a printer that prints customers transaction receipts.
  • Thi9 station i9 connected to the customer service station which includes at least one workstation computer that processes the customer transaction data and a laser printer that prints the customer checks corresponding to an approved request.
  • the transaction request processed by the customer service station is sent via a modem to the credit and debit bank ⁇ ard processing center.
  • the processing center will either approve or disapprove the customer's transaction request. If a transaction is disapproved, the reasons for the disapproval are displayed in the bank card reader and/or touchscreen unit located in the customer's data input station. Conversely, if the transaction is approved, the approval message is displayed in both or either of the customer's data input station, and a check corresponding to the transaction amount is printed on the laser printer located in the customer service center. The customer then walks over to the customer transaction booth where the check is converted for a cash payment .
  • o is reliable and easily maintained, o can be located in various high pedestrian traffic locations, o can be easily exported to provide additional financial services, o is cost effective from both a manufacturer, and consumer points of view o provides lower customer transaction fees with direct marketing and promotional activites for customer loyalty.
  • FIGURE 1 is an overall block diagram of the distributed on-line money access card transaction processing system.
  • FIGURE 2 is a block diagram of the system showing the interface between a customer data input service station which includes a customer data input station and a customer service station, a credit and debit bank card processing center, and a customer transaction booth.
  • FIGURE 3 is a block/functional diagram showing the operation of an IPC transport mechanism with eight software modules.
  • FIGURE 4 is a block diagram showing the divisional categories of the IPC transport mechanism.
  • FIGURE 5 is a block diagram of the task manager showing multi-threaded task sequences that operates a plurality of tasks.
  • FIGURES 6-22 are flow diagrams of the system software program.
  • FIGURES 1-22 The best mode for carrying out the invention is presented in terms of a preferred embodiment that allows the timely processing of consumer credit cards and debit bank cards.
  • the preferred embodiment as shown in FIGURES 1-22 is comprised of a distributed on-line money access card transaction processing system 10 that consists of a customer data-input/service station 12 that is further comprised of at least one customer data-input station 14 and a customer service station 16; a credit and debit bank card processing ⁇ enter l ⁇ ; and a customer transaction booth 20.
  • the above hardware elements operate with a primary distributed on-line money access card transaction processing software 30 and two secondary programs entitled a point of sale software program 32 and a distributed on-line money access card transaction software program 34.
  • FIGURE 1 The overall distributed on-line money access card transaction processing system 10 is shown in FIGURE 1.
  • the figure depicts broadly the interface of the customer data-input service station 12, which includes the customer data-input station 14 and the customer service station 16, with the customer transaction booth 20 and the credit and debit bank card processing ⁇ enter 18.
  • the customer data input station 14 interfaces and communicates with the customer service station 16 by means of a serial RS232 port 22.
  • the interface and communication between the customer service station 16 and the credit and debit bank ⁇ ard processing center l ⁇ is by means of a conventional modem 24.
  • the customer data-input station 14, is preferably configured in the form of a kiosk 14A.
  • the system 10 utilizes several kiosk's as shown in FIGURE 1, that are located in n easily accessible location such as in shopping malls, airports and other high-traffic public locations.
  • the kiosks high-tech units are designed and embellished to differ from other non-related kiosk's that may be located in the same area and are further designed to fit and compliment the surroundings of the location environment.
  • the customer data-input station 14 consists of a means for accepting and reading a variety of customer credit cards i .e. , Visa , Mastercard , Dis ⁇ over ,
  • the means preferably consists of a bank card reader 14B also known as a magnetic card strip reader.
  • the station includes a touchscreen unit 14C or a keypad
  • the station 14 also includes a printer 14F that provides the customer with a receipt listing the transaction data.
  • All the functions of the customer data-input station 14 are operated by the local point of sale (POS) software program 32 that is located in the station 14.
  • POS point of sale
  • the means for interfacing and communicating with the customer service station 16 is by a cable connected to serial R ⁇ 232 port located in both the station 14 and 16 as shown best in FIGURE 2.
  • the customer service station 16 as shown in FIGURE 2 includes at least one workstation computer 16A.
  • This computer which is operated by the distributed on-line money access card transaction software program 34, has means for receiving and processing the customer data received from the customer data input station 14.
  • the customer processed data is applied via the modem 24 to the credit and debit bank card processing ⁇ enter 18. If the transaction is not approved by the ⁇ enter 18, the reasons for the disapproval are presented to the customer on the touchscreen unit 14C or the ⁇ lph ⁇ -numeric display 14E. If an approval is received from the center 18, a printer 16C connected to the workstation computer 16A is activated.
  • the printer ha3 means for ele ⁇ troni ⁇ ally printing, on demand, a customer's check that corresponds to the accepted customer transaction.
  • the printer 16C is preferably a laser printer that prints the checks from electronic images stored in the laser printer using blank ⁇ heck stockp ⁇ per and Magnetic Ink Character Recognition (MICR) toner.
  • MICR Magnetic Ink Character Recognition
  • the received che ⁇ k is given to the customer at conveniently located customer transaction booth 20 where the customer's che ⁇ k is converted to cash or some other method of payment. Before the cash is received, the customer must present ⁇ proper identifica ion and sign the check .
  • the distributed on-line money access card transaction processing system 10 is designed to provide an improved credit bank card and debit bank card system. To utilize the system, the following simple steps are taken: a) The ⁇ ustomer walks up to a customer data-input station 14 which preferably is in the form of an attractive and functional kiosk. Within the kiosk, is located a card reader 14B and a touchscreen unit 14C or a keypad 14D with an alpha-numeric display 14E. b) Customer passes a credit card or bank debit card across the card reader 14B to initiate a transaction, c) customer selects the amount of the transaction by touching appropriate sections of the touchscreen unit 14C or the keys on the keypad 1 4D . d ) customer views touchscreen to determine if the transaction has been approved or rejected.
  • the reason for the rejection is displaced on the touchscreen 14C or alpha-numeric display 14E. If an approval is received, the message is displaced and a check is electronically printed with the approved transaction amount on ⁇ laser printer 16C located in the customer service station 16. e) customer then proceeds to the customer transaction booth 20. Where when proper identification is presented, the customer re ⁇ eives ⁇ cash payment or the like.
  • the system 10 is operated by a distributed on-line money access card transaction processing software 30 that consists of an inter-process ⁇ ommuni ⁇ ation (IPC) transport me ⁇ h ⁇ nism that operates eight modules as shown in FIGURE 3.
  • IPC inter-process ⁇ ommuni ⁇ ation
  • IPC TRANSPORT MECHANISM The IPC transport me ⁇ hanism 30A fun ⁇ tions as the "logi ⁇ al data bus" for the inter-process communications between distributed system processes across various physical or logi ⁇ al data links.
  • This software design enables dependent processes to ⁇ ommuni ⁇ ate regardless of whether the processes reside on the same platform. Thus, processes are allowed to be distributed across one or many operating platforms using various communication topologies, allowing scaling of the application or taking advantage of the inherent properties of a platform best suited to a particular process.
  • the IPC transport mechanism 30A is divided into the following categories as shown in FIGURE 4.
  • IPC Administrator API - This is the interface seen by each process in the system. When Process A establishes a session with Process B, the interface seen by the processes is the same regardless of whether the processes are executing on the same platform, and regardless of the physical link and protocol used to link the multiple platforms in a distributed setting.
  • Transport Interface manages connections between processes and provides a me ⁇ hanism for querying process status and availability. This interface makes the distinction between local and remote processes and assigns to a connection the appropriate protocol and device interface.
  • Proto ⁇ ol Converter the proto ⁇ ol converter frames data packets as required by the proto ⁇ ol assigned by the transport interfa ⁇ e for transmission across the communications device linking the pro ⁇ esses.
  • Pa ⁇ kets are framed by adding the ne ⁇ essary header, trailer, routing and error detection/correction information. This interfa ⁇ e also manages any receipt verification, acknowledgment, and retransmission as required by the proto ⁇ ol. If a data pa ⁇ ket is destined for a lo ⁇ al process, no framing is ne ⁇ essary and the packet i3 sent immediately to the process or posted to the input queue designated for the receipt of interprocess data pa ⁇ kets.
  • Devi ⁇ e Interfa ⁇ e The device interfa ⁇ e performs any initialization necessary for a physical device and handles the low-level transmission and reception of data to and from the devi ⁇ e.
  • Kernel module 30B ⁇ onsists of the Task Manager and other low-level fun ⁇ tions required on ea ⁇ h platform running the system 10 modules.
  • the Kernel consists of the categories described below.
  • Task Manager The Task Manager as shown in FIGURE 3 uses multi-threaded non-preemptive multi-tasking technology to provide a multi-processing environment to the system 10 modules regardless of whether the host environment or operating system are capable of providing such services. Tasks use state-sequencing logi ⁇ to perform small parts of an operation with ea ⁇ h thread invo ⁇ ation.
  • Queue Manager The Queue Manager provides fun ⁇ tions to the system modules for ⁇ reating, deleting and managing queues and queue entire (jobs). Processes that must pro ⁇ ess requests in a serial manner use the queue manager for storing pending requests and service requests from the queue in the order received.
  • Exception Handler When processes generate an ex ⁇ eption (error) , a signal is sent to the ex ⁇ eption handler. Other pro ⁇ esses may establish ex ⁇ eption hooks to allow them to perform the pro ⁇ essing for designated ex ⁇ eptions. If an ex ⁇ eption of a ⁇ riti ⁇ al nature requires system shutdown, the exception handler will notify running tasks to perform the shutdown in an orderly manner.
  • Low-Level System Resources Provides an interface to various system-dependent resources su ⁇ h as memory management, file access, and display mapping.
  • the User Interfa ⁇ e module 30C present to an operator various options for performing tasks whi ⁇ h are ⁇ arried out by other system modules. These options are presented in the form of menus, message displays and data entry s ⁇ reens.
  • the user interface module translates the user options and coordinates invocation of other system pro ⁇ esses to perform the selected task.
  • SECURITY The security module 30D protects the system 10 from unauthorized access, tampering and fraudulent activities by performing the fun ⁇ tions described below.
  • Password Protection Each system operator requires a password to a ⁇ ess the system, and the administrator of the system determines what functions may be performed by each operator.
  • Data Encryption - Provides a proprietary encryption me ⁇ hanism for protecting sensitive data stored in files or transmitted between processes.
  • Hot-Card Fi le - The system maintains a local database of credit or debit cards that are stolen or otherwise thought to be involved in fraudulent activities. This allows su ⁇ h transactions to be stopped immediately without exposing the system operator to fraud liabilities.
  • the POS manager module 30E pro ⁇ esses transa ⁇ tion requests and ⁇ oordinates the authorization and printing of the ele ⁇ tronic checks or other transaction-generated documents.
  • Several authorization sources may be available to the POS manager depending on the type of transaction and the current transa ⁇ tion volume.
  • the POS manager will select the appropriate authorizer and pass the transaction data to the Transa ⁇ tion Authorization and Settlement Module for transmission to the authorizer.
  • the Transa ⁇ tion Authorization and Settlement (TAS) Module 30F manages connections with the authorization network ( s ) .
  • the TAS module will select a communications devi ⁇ e for communicating with the authorizer.
  • the TAS module will first try to utilize an existing ⁇ onne ⁇ tion if one is already in pla ⁇ e. If one is not in pla ⁇ e, an alternate devi ⁇ e may be utilized to establish the connection, or if none is available, the request will be queued until a device becomes available.
  • the TAS module will a ⁇ tivate alternate routing logic to establish or re-establish ⁇ ommuni ⁇ ations .
  • the Print Manager module 30G pro ⁇ esses requests from other system modules for printing electronic ⁇ he ⁇ k3 and reports. These print requests are queued for printing as soon as the designated printer is available, or the Print Manager may be selected to print the report on the first available printer or to distribute the report to multiple designated printers.
  • the Print Manager tracks the inventory levels of ⁇ he ⁇ ks , toner and other printer related ⁇ onsummables . Functions are also provided for querying the status of print jobs, deleting print job3. suspending print jobs and querying printer availability and status. DATABASE ENGINE
  • the Database Engine module 30H provides a mechanism for storing transa ⁇ tion data and other data required through the system.
  • the database is designed around the relation model and pro ⁇ esses ⁇ ommands in a tr ⁇ ns ⁇ tion oriented manner. Facilities are included to ensure data integrity, including file and record locks, integrity vertification and automatic index regeneration .
  • the Database Engine also provides file-level management, the Shared File System. This system makes data files available to all system modules regardless of location and manages and synchronizes ac ⁇ ess to these files. Any platform running system modules may have a file area designated as a shared file area and will be managed by the shared file system.
  • DEVICES COMMUNICATION MODULE The devi ⁇ es communication module 301 allows a variety of communicating devi ⁇ es to be operated by the IPC transport me ⁇ hanism without needing to be ⁇ w ⁇ re of the specific protocols required by the devices.
  • the major devi ⁇ es supported by the system are as follows.
  • the intelligent workstation adapter is comprised of hardware and software whi ⁇ h enables many transa ⁇ tion terminals to be ⁇ onne ⁇ ted through serial RS-232 interfa ⁇ es to a system running on a personal ⁇ omputer whi ⁇ h is normally limited to only four serial interfa ⁇ e ports.
  • An IWA provides 16 ports, and two IWA's may be ⁇ onne ⁇ ted to provide up to 32 ports .
  • Point of Sale Terminals are utilized by system customers to pro ⁇ ess transactions. These terminals contain a dual-track magnetic ⁇ ard reader for a ⁇ quiring cardholder a ⁇ ount information, a keypad for selecting options, entering tr ⁇ ns ⁇ tion amounts, a display to report the progress of the transaction and request input and a receipt printer. Transa ⁇ tion requests are forwarded through the IPC to the POS Manager, and the result of the transaction is relayed back to the terminal whi ⁇ h then instru ⁇ ts the ⁇ ustomer of the completed transa ⁇ tion.
  • POS Point of Sale
  • ViewChek Touch Screen Terminal present to the customer the same options as the POS terminals but include a color flat-screen graphics display to communicate transaction progress and request ⁇ ustomer input.
  • the graphics display includes a touch-sensitive surface which allows a customer to select options by pointing to them on the display.
  • the screen may be programmed to display advertising messages while the system is idle or pro ⁇ essing.
  • Slave Terminals - Slave terminals provide a simple, inexpensive interfa ⁇ e to the system for use in pla ⁇ es where it is not practical to pla ⁇ e an entire ⁇ omputer system. These terminals are ⁇ onne ⁇ ted through the IPC transport mechanism and may be programmed to perform any fun ⁇ tion available on the system. In addition, reports and electronic checks may be directed to printers attached to slave terminals.
  • the system is equipped with a MICR reader ⁇ apable of reading this information and transmitting it a system module for pro ⁇ essing. This allows instant retrieval of transa ⁇ tion information and also verifi ⁇ ation of the transa ⁇ tion.
  • Many documents generated by the system also contain identifying information encoded in a bar code.
  • a bar code scanner connected to a system allows all transa ⁇ tions associated with a document to instantly be retrieved for viewing or processing.
  • Modems are used by the system for authorizing and settling transa ⁇ tions.
  • LAN/WAN Interface The systems may be inter ⁇ onne ⁇ ted with other systems or networks to give other applications ⁇ ess to the system data and to allow interoperability with other systems.
  • FIGURES 7-22 The ⁇ omputer software flow diagrams for the system 10 are shown in FIGURES 7-22.

Abstract

A distributed on-line money access card transaction processing system (10) that functions with a credit card and debit bank card processing center (18). The system (10) includes a customer data-input station (14), a customer service station (16) and a customer transaction booth (20). The system operates with an on-line transaction processing software (30) and two secondary software programs (32, 34). A system transaction begins when a customer passes a card through a magnetic card reader (14B) located in the customer data-input station (14). The customer enters the transaction on a touchscreen unit (14C) and the transaction is sent to the customer service station (16), where the transaction is processed and sent to the credit and debit bank card processing center (18) for approval or disapproval. If approved, a check is printed on a printer (16C) located in the customer service station (16). The customer then goes to a customer transaction booth (20) where the check is converted to a cash payment.

Description

DISTRIBUTED ON-LINE MONEY ACCESS CARD TRANSACTION PROCESSING SYSTEM
TECHNICAL FIELD
The invention pertains to the general field of credit card cash advance systems and more particularly to an improved and simplified client-operated system that interfaces with any existing bank card authorization system.
BACKGROUND ART
Computer system σlient-operated financial transactions fall into two primary categories: 1) cash withdrawals, such as those from an Automated Teller Machine (ATM), and 2) credit card cash advances (CCCA) . In the first scenario, cash withdrawals are the method for obtaining money, and this transaction is debited against the customer's bank account. If enough money is available in the customer's account the transaction will be approved, otherwise, the transaction is rejected. Industry statistics indicate that most customers have a limited amount of money on hand in their account, and ATM's will only allow the withdrawal of a certain money limit each day. Additionally, ATM's require sizeable space for operation, restrictions exist on the credit and debit cards used for operation, the operation and maintenance of ATM's are expensive, including "cash restocking" regularly, and ATM's do not provide any management information with regard to direct marketing and other promotional activities.
Credit card cash advance (CCCA) operations, however, allow the customer to advance, as opposed to withdraw, cash against their available line of credit on their credit card. The number of transactions per day are not limited and the money received is strictly dependent on the customers available line of credit and the allowable limit by the location. CCCA primarily use preprinted checks, as opposed to a receipt, printed with the customer's credit card number, and signed by the customer as receipt for the money received.
Both of the above described financial transaction system are typically comprised of centralized computer systems in one location that control all the available locations. In other words, when the central computer system is inoperative, it affects all remote locations. This centralized computer approach is not uncommon for transaction oriented services; however, its undesirable limitations are solved by the instant invention. The Credit Card Cash Advance (CCCA) market is not widely understood by either the consumers who use credit cards for cash advances or the establishments which support these transactions for their customers. Currently there are two primary markets for CCCA 1) the gambling and leisure industry, and 2) the "over-the-counter" public money. Additional markets that could be expanded include; hotels, government agencies, airports, universities, and any other high-traffic public locations where people may need immediate cash. Market research indicates that this expanded market could sustain $100 million a year in fee revenue while the two primary market areas in the United States currently sustain over $200 million a year in fee revenue.
In the United States, the CCCA market place is extremely limited and is primarily controlled by two companies. The first and major company operates a computerized check cashing system that includes check authorization resources and telecommunication billing βourceβ; the second company is primarily concerned with controlling the disbursing of "over-the-counter" public money through electronic funds transfer.
The major company services the gaming and leisure industry where the principal form of money exchange is cash. Therefore, the cash advance system must be quick, convenient and accurate. The current cash advance systems used by the "casinos" appear to be operated and controlled by more than one computer system. However, in reality, all systems are owned by the same company and use the same computer system. Therefore, when one customer location becomes inoperative so do all other customer locations. This centralized computer approach is not uncommon for transactions oriented services and its undesirable limitations is one of the problems together with logistics problems that are solved by the instant invention .
The ATM has made it easier for banks and financial institutions to satisfy their customer's needs for fast and convenient withdrawals. The ATM service provider receives a percentage of the transaction fee that is charged by the ATM device. When comparing the utility of ATM's versus CCCA, it is well to remember that ATM's facilitate a withdrawal transaction and not a cash advance. Therefore, the number of transactions are limited as well as the amount of money received which in turns, limits the benefits received by the customer. A search of the prior art did not disclose any patents or literature that read directly on the claims of the instant invention. However, U.S. patent number 5,175,682 issued to Higashiyama, et al on 29 December 1992 is considered related. This patent discloses a method and structure for processing and clearing checks in a timely manner. A check recipient utilizes hardware and software to gather data from a check and then process the check. The hardware includes a reader for reading the Magnetic Ink Character Recognition (MICR) printed on the check, and means for associating this data with information pertaining to the transaction. This information is combined in a data record which is stored for future batch data transmission to .a clearing house or the issuing bank. The invention also provide means for determining if the check information of a particular check is to be communicated in real time or in the batch mode.
DISCLOSURE OF THE INVENTION
The distributed on-line money access card transaction processing system is designed to provide a multi-tasking stand-alone financial transaction processing system. The system consists of a customer data-input station that is in the form of a kiosk, a customer service station, a credit and debit bank card processing center, a customer transaction booth and a distributed on-line money access card transaction processing software which operates the system.
The customer data input station includes a bank card reader that reads various credit and debit bank cards, a touchscreen unit that allows a customer to enter transaction requests and receive instructions relating to that request, and a printer that prints customers transaction receipts. Thi9 station i9 connected to the customer service station which includes at least one workstation computer that processes the customer transaction data and a laser printer that prints the customer checks corresponding to an approved request. The transaction request processed by the customer service station is sent via a modem to the credit and debit bankσard processing center.
The processing center will either approve or disapprove the customer's transaction request. If a transaction is disapproved, the reasons for the disapproval are displayed in the bank card reader and/or touchscreen unit located in the customer's data input station. Conversely, if the transaction is approved, the approval message is displayed in both or either of the customer's data input station, and a check corresponding to the transaction amount is printed on the laser printer located in the customer service center. The customer then walks over to the customer transaction booth where the check is converted for a cash payment . In view of the above disclosure it is the primary object of the invention to provide a distributed on-line money access card transaction processing system that is accurate, convenient and customer friendly. In addition to the primary object it is also an object of the invention to produce an invention that: o is reliable and easily maintained, o can be located in various high pedestrian traffic locations, o can be easily exported to provide additional financial services, o is cost effective from both a manufacturer, and consumer points of view o provides lower customer transaction fees with direct marketing and promotional activites for customer loyalty.
These and other objects and advantages of the present invention will become apparent from the subsequent detailed description of the preferred embodiment and the appended claims taken in conjunction with the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS
FIGURE 1 is an overall block diagram of the distributed on-line money access card transaction processing system. FIGURE 2 is a block diagram of the system showing the interface between a customer data input service station which includes a customer data input station and a customer service station, a credit and debit bank card processing center, and a customer transaction booth.
FIGURE 3 is a block/functional diagram showing the operation of an IPC transport mechanism with eight software modules.
FIGURE 4 is a block diagram showing the divisional categories of the IPC transport mechanism.
FIGURE 5 is a block diagram of the task manager showing multi-threaded task sequences that operates a plurality of tasks.
FIGURES 6-22 are flow diagrams of the system software program.
BEST MODE FOR CARRYING OUT THE INVENTION
The best mode for carrying out the invention is presented in terms of a preferred embodiment that allows the timely processing of consumer credit cards and debit bank cards. The preferred embodiment as shown in FIGURES 1-22 is comprised of a distributed on-line money access card transaction processing system 10 that consists of a customer data-input/service station 12 that is further comprised of at least one customer data-input station 14 and a customer service station 16; a credit and debit bank card processing σenter lθ; and a customer transaction booth 20. The above hardware elements operate with a primary distributed on-line money access card transaction processing software 30 and two secondary programs entitled a point of sale software program 32 and a distributed on-line money access card transaction software program 34.
The overall distributed on-line money access card transaction processing system 10 is shown in FIGURE 1. The figure depicts broadly the interface of the customer data-input service station 12, which includes the customer data-input station 14 and the customer service station 16, with the customer transaction booth 20 and the credit and debit bank card processing σenter 18. As shown in FIGURE 2, the customer data input station 14 interfaces and communicates with the customer service station 16 by means of a serial RS232 port 22. The interface and communication between the customer service station 16 and the credit and debit bank σard processing center lβ is by means of a conventional modem 24.
The customer data-input station 14, is preferably configured in the form of a kiosk 14A. The system 10 utilizes several kiosk's as shown in FIGURE 1, that are located in n easily accessible location such as in shopping malls, airports and other high-traffic public locations. The kiosks high-tech units are designed and embellished to differ from other non-related kiosk's that may be located in the same area and are further designed to fit and compliment the surroundings of the location environment.
The customer data-input station 14 consists of a means for accepting and reading a variety of customer credit cards i .e. , Visa , Mastercard , Disαover ,
SM American Express and debit bank cards i.e. , ATM cards. The means preferably consists of a bank card reader 14B also known as a magnetic card strip reader.
The station includes a touchscreen unit 14C or a keypad
1 D that functions in combination with an alpha-numeric display 14E. These units function to receive and display the customer's transaction request, to query the customer and to encrypt the customer transaction data. The station 14 also includes a printer 14F that provides the customer with a receipt listing the transaction data.
All the functions of the customer data-input station 14 are operated by the local point of sale (POS) software program 32 that is located in the station 14. The means for interfacing and communicating with the customer service station 16 is by a cable connected to serial RΞ232 port located in both the station 14 and 16 as shown best in FIGURE 2.
The customer service station 16 as shown in FIGURE 2, includes at least one workstation computer 16A. This computer, which is operated by the distributed on-line money access card transaction software program 34, has means for receiving and processing the customer data received from the customer data input station 14. The customer processed data is applied via the modem 24 to the credit and debit bank card processing σenter 18. If the transaction is not approved by the σenter 18, the reasons for the disapproval are presented to the customer on the touchscreen unit 14C or the αlphα-numeric display 14E. If an approval is received from the center 18, a printer 16C connected to the workstation computer 16A is activated. The printer ha3 means for eleσtroniσally printing, on demand, a customer's check that corresponds to the accepted customer transaction. The printer 16C is preferably a laser printer that prints the checks from electronic images stored in the laser printer using blank σheck stockpαper and Magnetic Ink Character Recognition (MICR) toner. The received cheσk is given to the customer at conveniently located customer transaction booth 20 where the customer's cheσk is converted to cash or some other method of payment. Before the cash is received, the customer must present α proper identifica ion and sign the check .
In summary, the distributed on-line money access card transaction processing system 10 is designed to provide an improved credit bank card and debit bank card system. To utilize the system, the following simple steps are taken: a) The σustomer walks up to a customer data-input station 14 which preferably is in the form of an attractive and functional kiosk. Within the kiosk, is located a card reader 14B and a touchscreen unit 14C or a keypad 14D with an alpha-numeric display 14E. b) Customer passes a credit card or bank debit card across the card reader 14B to initiate a transaction, c) customer selects the amount of the transaction by touching appropriate sections of the touchscreen unit 14C or the keys on the keypad 1 4D . d) customer views touchscreen to determine if the transaction has been approved or rejected. If a rejection is received, the reason for the rejection is displaced on the touchscreen 14C or alpha-numeric display 14E. If an approval is received, the message is displaced and a check is electronically printed with the approved transaction amount on α laser printer 16C located in the customer service station 16. e) customer then proceeds to the customer transaction booth 20. Where when proper identification is presented, the customer reσeives α cash payment or the like.
The system 10 is operated by a distributed on-line money access card transaction processing software 30 that consists of an inter-process σommuniσation (IPC) transport meσhαnism that operates eight modules as shown in FIGURE 3.
IPC TRANSPORT MECHANISM The IPC transport meσhanism 30A funσtions as the "logiσal data bus" for the inter-process communications between distributed system processes across various physical or logiσal data links. This software design enables dependent processes to σommuniσate regardless of whether the processes reside on the same platform. Thus, processes are allowed to be distributed across one or many operating platforms using various communication topologies, allowing scaling of the application or taking advantage of the inherent properties of a platform best suited to a particular process. The IPC transport mechanism 30A is divided into the following categories as shown in FIGURE 4. IPC Administrator API - This is the interface seen by each process in the system. When Process A establishes a session with Process B, the interface seen by the processes is the same regardless of whether the processes are executing on the same platform, and regardless of the physical link and protocol used to link the multiple platforms in a distributed setting.
Transport Interface - The transport interface manages connections between processes and provides a meσhanism for querying process status and availability. This interface makes the distinction between local and remote processes and assigns to a connection the appropriate protocol and device interface.
Protoσol Converter - the protoσol converter frames data packets as required by the protoσol assigned by the transport interfaσe for transmission across the communications device linking the proσesses.
Paσkets are framed by adding the neσessary header, trailer, routing and error detection/correction information. This interfaσe also manages any receipt verification, acknowledgment, and retransmission as required by the protoσol. If a data paσket is destined for a loσal process, no framing is neσessary and the packet i3 sent immediately to the process or posted to the input queue designated for the receipt of interprocess data paσkets.
Deviσe Interfaσe - The device interfaσe performs any initialization necessary for a physical device and handles the low-level transmission and reception of data to and from the deviσe.
Deviσe - The physiσαl σommuniσations deviσe.
KERNEL MODULE The Kernel module 30B σonsists of the Task Manager and other low-level funσtions required on eaσh platform running the system 10 modules. The Kernel consists of the categories described below.
Task Manager - The Task Manager as shown in FIGURE 3 uses multi-threaded non-preemptive multi-tasking technology to provide a multi-processing environment to the system 10 modules regardless of whether the host environment or operating system are capable of providing such services. Tasks use state-sequencing logiσ to perform small parts of an operation with eaσh thread invoσation. Queue Manager - The Queue Manager provides funσtions to the system modules for σreating, deleting and managing queues and queue entire (jobs). Processes that must proσess requests in a serial manner use the queue manager for storing pending requests and service requests from the queue in the order received.
Exception Handler - When processes generate an exσeption (error) , a signal is sent to the exσeption handler. Other proσesses may establish exσeption hooks to allow them to perform the proσessing for designated exσeptions. If an exσeption of a σritiσal nature requires system shutdown, the exception handler will notify running tasks to perform the shutdown in an orderly manner.
Low-Level System Resources - Provides an interface to various system-dependent resources suσh as memory management, file access, and display mapping.
USER INTERFACE The User Interfaσe module 30C present to an operator various options for performing tasks whiσh are σarried out by other system modules. These options are presented in the form of menus, message displays and data entry sσreens. The user interface module translates the user options and coordinates invocation of other system proσesses to perform the selected task. SECURITY The security module 30D protects the system 10 from unauthorized access, tampering and fraudulent activities by performing the funσtions described below. Password Protection - Each system operator requires a password to aσσess the system, and the administrator of the system determines what functions may be performed by each operator.
Data Encryption - Provides a proprietary encryption meσhanism for protecting sensitive data stored in files or transmitted between processes.
Hot-Card Fi le - The system maintains a local database of credit or debit cards that are stolen or otherwise thought to be involved in fraudulent activities. This allows suσh transactions to be stopped immediately without exposing the system operator to fraud liabilities.
Current Transaction Reporting - To comply with federal and state money-laundering protection laws, the system tracks multiple transactions performed by an individual and automatically generates the neσessary regulatory reports required when the σumulative amount of transactions during the specified period meets or exσeeds the amount speσified by the regulation. POS MANAGER
The POS manager module 30E proσesses transaσtion requests and σoordinates the authorization and printing of the eleσtronic checks or other transaction-generated documents. Several authorization sources may be available to the POS manager depending on the type of transaction and the current transaσtion volume. The POS manager will select the appropriate authorizer and pass the transaction data to the Transaσtion Authorization and Settlement Module for transmission to the authorizer. TRANSACTION AUTHORIZATION AND SETTLEMENT MODULE
The Transaσtion Authorization and Settlement (TAS) Module 30F manages connections with the authorization network(s). At the time an authorization request is received, the TAS module will select a communications deviσe for communicating with the authorizer. The TAS module will first try to utilize an existing σonneσtion if one is already in plaσe. If one is not in plaσe, an alternate deviσe may be utilized to establish the connection, or if none is available, the request will be queued until a device becomes available. In the event of a failure to establish σommuniσations with the authorizer or a failure of an established link, the TAS module will aσtivate alternate routing logic to establish or re-establish σommuniσations .
PRINT MANAGER The Print Manager module 30G proσesses requests from other system modules for printing electronic σheσk3 and reports. These print requests are queued for printing as soon as the designated printer is available, or the Print Manager may be selected to print the report on the first available printer or to distribute the report to multiple designated printers. The Print Manager tracks the inventory levels of σheσks , toner and other printer related σonsummables . Functions are also provided for querying the status of print jobs, deleting print job3. suspending print jobs and querying printer availability and status. DATABASE ENGINE
The Database Engine module 30H provides a mechanism for storing transaσtion data and other data required through the system. The database is designed around the relation model and proσesses σommands in a trαnsασtion oriented manner. Facilities are included to ensure data integrity, including file and record locks, integrity vertification and automatic index regeneration .
The Database Engine also provides file-level management, the Shared File System. This system makes data files available to all system modules regardless of location and manages and synchronizes acσess to these files. Any platform running system modules may have a file area designated as a shared file area and will be managed by the shared file system. DEVICES COMMUNICATION MODULE The deviσes communication module 301 allows a variety of communicating deviσes to be operated by the IPC transport meσhanism without needing to be αwαre of the specific protocols required by the devices. The major deviσes supported by the system are as follows. Intel 1 igent Workstation Adapter - The intelligent workstation adapter (IWA) is comprised of hardware and software whiσh enables many transaσtion terminals to be σonneσted through serial RS-232 interfaσes to a system running on a personal σomputer whiσh is normally limited to only four serial interfaσe ports. An IWA provides 16 ports, and two IWA's may be σonneσted to provide up to 32 ports .
Point of Sale (POS) Terminals - POS terminals are utilized by system customers to proσess transactions. These terminals contain a dual-track magnetic σard reader for aσquiring cardholder aσσount information, a keypad for selecting options, entering trαnsασtion amounts, a display to report the progress of the transaction and request input and a receipt printer. Transaσtion requests are forwarded through the IPC to the POS Manager, and the result of the transaction is relayed back to the terminal whiσh then instruσts the σustomer of the completed transaσtion. ViewChek Touch Screen Terminal - ViewChek terminals present to the customer the same options as the POS terminals but include a color flat-screen graphics display to communicate transaction progress and request σustomer input. The graphics display includes a touch-sensitive surface which allows a customer to select options by pointing to them on the display. In addition, the screen may be programmed to display advertising messages while the system is idle or proσessing.
Slave Terminals - Slave terminals provide a simple, inexpensive interfaσe to the system for use in plaσes where it is not practical to plaσe an entire σomputer system. These terminals are σonneσted through the IPC transport mechanism and may be programmed to perform any funσtion available on the system. In addition, reports and electronic checks may be directed to printers attached to slave terminals.
Credit Card and Drivers License Readers - these deviσes are equipped with a deviσe that is σapable of reading the magnetic stripe on bank σards (debit and σredit), as well as the driver's liσenses being introduced in many states with magnetic enσoding. This automates data reσording and prevents data entry errors .
MICR Readers and Bar Code Scanners - Al1 eleσtronic σheσks printed by the system inσlude aσσount information (known as MICR enσoding) required by the Federal Reserve for clearing. The system is equipped with a MICR reader σapable of reading this information and transmitting it a system module for proσessing. This allows instant retrieval of transaσtion information and also verifiσation of the transaσtion. Many documents generated by the system also contain identifying information encoded in a bar code. A bar code scanner connected to a system allows all transaσtions associated with a document to instantly be retrieved for viewing or processing.
Modems - Modems are used by the system for authorizing and settling transaσtions. LAN/WAN Interface - The systems may be interσonneσted with other systems or networks to give other applications ασσess to the system data and to allow interoperability with other systems.
The σomputer software flow diagrams for the system 10 are shown in FIGURES 7-22.
While the invention has been described in complete detail and piσtorially shown in the ασσompαnying drawings it is not to be limited to suσh details, sinσe many σhanges and modifiσations may be made to the invention without departing from the spirit and the sσope thereof. Henσe . it i3 desσribed to cover any and all modifications and forms which may come within the language and sσope of the claims.

Claims

1. A distributed on-line money access card transaction processing system comprising:
A. a customer data-input/service station comprising;
a) at least one customer data-input station comprising:
(1) means for accepting and reading a variety of customer credit and debit bank cards,
(2) means for querying, answering and encrypting customer transaction data,
(3) a local point of sale (POS) software program that operates the functions of said customer data-input station,
(4) means for printing customer transaction receipts, and
(5) means for interfacing and communicating with a customer service station,
b) the customer service station comprising:
(1) at least one workstation computer having means for receiving and processing the customer transaction data received from said customer data-input station,
(2) a local transaction software program that operates the functions of said customer service station, (3) a printer connected to said workstation computer and having means for electronically printing on-demand, a customer's check corresponding to the accepted customer transaction,
(4) means for interfacing with a credit and debit bank card processing center,
B. a credit and debit bank card processing center that receives a transaction from said customer service station and either accepts or rejects the transaction,
C. a customer transaction booth where, if a customer transaction is approved by said credit and debit bank card processing center, the customer's check is ccnverted to cash upon presentation of customer's identification, and
D. a distributed on-line money access card transaction processing software that operates said system.
2. The system as specified in claim 1 wherein said means for accepting and reading a customer's credit and debit card comprises a bank-card reader.
3. The system as specified in claim 1 wherein said means for querying and answering a customer's transaction data comprises a touchscreen unit.
4. The system as specified in claim 1 wherein said means for querying and answering a customer's transaction data comprises a keypad that functions in combination with an alpha-numeric display.
5. The system as specified in claim 1 wherein said customer data-input station is configured in the form of a kiosk located in an easily accessible location.
6. The system as specified in claim 1 wherein said means for said customer data-input station to interface and communicate with said customer service station comprises an RS232 port.
7. The system as specified in claim 1 wherein said means for said customer service station to interface and communicate with said credit and debit bank card processing center comprises a modem.
8. The system as specified in claim 1 wherein said printer is a laser printer that prints checks from electrcnic images stored in a laser printer using blank check stock paper, and MICR toner.
9. A method for implementing a distributed on-line money access card transaction processing system that provides an improved credit card and debit bank card system, said method comprising the following steps:
a) providing a data-input station that includes a card reader and touchscreen unit or a keypad with an alpha-numeric display,
b) passing a credit card or bank debit card across said card reader to initiate a transaction,
c) selecting the amount of the transaction, and the method of payment by touching appropriate sections of said touchscreen or the keys on said keypad, d) viewing touchscreen unit to determine if the transaction has been approved or rejected, if an approval or rejection is received, the reason for the rejection is displayed on said touchscreen, or alpha-numeric display, if an approval is received, a check is electronically printed with the approved amount on a printer located in a customer service station, and
e) proceeding to a customer transaction booth where the check is presented, with proper identification, afterwhich customer receives a cash payment.
10. The system as specified in claim 1 wherein said distributed on-line money access card transaction processing software comprises:
a) an inter-process communications (IPC) transport mechanism that functions as a logical data bus for said system which provides inter-process communicat ions between distributed system processes across various physical or logical data links,
b) a kernel module that interfaces with said IPC and having means for performing low-level functions required to operate said system, where said kernel module comprises;
(1) a task manager module having means for using multi-threaded, non- presumptive multi-tasking technology for providing a multi-processing environment to the system modules regardless of whether the host environment or operating system are capable of providing such services,
(2) a queue manager module having means for providing to the system modules function for creating, detecting and managing queries and queue entries,
(3) an exception handler module having means for receiving and processing an exception as error signal, and
(4) a low-level system resources module having means for providing an interface to various system-dependent resources such as memory management, file access and display mapping, c) a user interface module that interfaces with said IPC and having means for presenting to an operator various options for performing tasks which are carried out by other system modules, where the user interface module translates the user options and coordinates invocation of other system processes to perform the selected task,
d) a security module that interfaces with said IPC and having means for protecting said system from unauthorized access, tampering and fraudulent activities where said security module comprises:
(1) a password protection circuit having means for requiring a password to be entered before access is permitted to said system,
(2) a data encryption circuit having an encryption mechanism for protecting sensitive data stored in files or transmitted between processes,
(3) a hot-card file having means for maintaining a local data base of credit or debit cards that are stolen or otherwise thought to be involved in fraudulent activities,
(4) a currency transaction reporting circuit having means for allowing the tracking of multiple transactions performed by an individual and thereafter, generating the necessary reports required when the cumulative amount of transactions, during a specified period meets or exceeds the amount specified by a regulation,
e) a POS monitor module that interfaces with said IPC and having means for processing transaction requests and for coordinating the authorization and printing of electronic checks or other transaction generated documents,
f) a transaction authorization and settlement (TAS) module that interfaces with said IPC and having means for connecting with the authorization network(s), where when an authorization is received, said TAS module selects a communication device for communicating with the authorizer,
g) a print manager module that interfaces with said IPC and having means for processing requests from other system modules, to print electronic checks and reports,
h) a data base engine module that interfaces with said IPC and having means for providing a mechanism for storing transaction data and other data required to operate said system and i) a device communications module that interface with said IPC transport mechanism to allow said system to communicate without considering the specific protocols required by said devices.
11. The system as specified in claim 10 wherein said IPC transport mechanism is divided into the following functional categories: a) an IPC administrator that is the interface seen by each system process, b) a transport interface having means for providing connections between processor and providing a mechanism for queuing process status and availability,
c) a protocol converter having means for framing data pockets as required by the protocol assigned by the transport interface for transmission across the communicat ion device linking the processor,
d) a device interface having means for performing any initialization necessary for a physical device and for controlling the low-level transmission and reception data to and from the device and,
e) a physical communication device.
12. The system as specified in claim 10 wherein said exception handler module has means for nullifying running tasks to perform a system shut down where an exception of a critical nature is received.
13. The system as specified in claim 10 wherein said user interface options are presented in the form of menus, message displays and data entry screens.
14. The system as specified in claim 10 wherein said password protection circuit further comprises circuit means for allowing a system administrator to determine which functions may be performed by each operat ion .
15. The system as specified in claim 10 wherein said print manager module further has circuit means for allowing checks to be printed as soon as a designated printer is available or when a first available printer is available or to distribute the report to multiple designated printers.
16. The system as specified in claim 15 wherein said print manager module further has circuit means for allowing the tracking of the inventory levels of checks and other printer related consummables.
17. The system as specified in claim 15 wherein said print manager module further comprise circuit means for allowing the queuing of the status of print jobs, deleting print jobs, suspending print jobs and printing availability and status reports.
18. The system as specified in claim 10 wherein said data base engine module further comprise circuit means for ensuring data integrity which includes file and record looks, integrity verification and automatic index regulation.
19. The system as specified in claim 18 wherein said data base engine module further comprises circuit means for allowing data files to be available to all system modules regardless of location.
20. The system as specified in claim 10 wherein said IPC transport mechanism allows processor to be distributed across at least one operating platformusing various communications topologies, thus allowing scaling of the application or taking advantage of inherent properties of a platform best suited to a particular process.
PCT/US1995/013166 1994-03-31 1995-10-06 Distributed on-line money access card transaction processing system WO1997013228A1 (en)

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Application Number Priority Date Filing Date Title
US08/221,686 US5457305A (en) 1994-03-31 1994-03-31 Distributed on-line money access card transaction processing system
EP95942383A EP0858645B1 (en) 1995-10-06 1995-10-06 Distributed on-line money access card transaction processing system
DE69533231T DE69533231D1 (en) 1995-10-06 1995-10-06 DISTRIBUTED ONLINE TRANSACTION PROCESSING SYSTEM WITH CASH CARD
AU43625/96A AU699425B2 (en) 1995-10-06 1995-10-06 Distributed on-line money access card transaction processing system
KR1019980702538A KR100348172B1 (en) 1995-10-06 1995-10-06 Distributed on-line money access card transaction processing system
AT95942383T ATE270451T1 (en) 1995-10-06 1995-10-06 DISTRIBUTED ONLINE TRANSACTION PROCESSING SYSTEM USING MONEY CREDIT CARDS
PCT/US1995/013166 WO1997013228A1 (en) 1994-03-31 1995-10-06 Distributed on-line money access card transaction processing system
JP8517876A JPH11511873A (en) 1995-10-06 1995-10-06 Distributed online money access card transaction processing system

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PCT/US1995/013166 WO1997013228A1 (en) 1994-03-31 1995-10-06 Distributed on-line money access card transaction processing system

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