Message format for communicating financial information
First Claim
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1. A message format for use in communicating information, comprising:
- a plurality of message segments, each message segment having one or more data fields;
a first message segment having at least one data field storing data that does not change for each communication of financial information;
a second message segment having an arrangement of data fields that store data as a function of the type of financial transaction, and said arrangement of data fields changes for different financial transactions; and
said first message segment having a field that defines a format of the data fields of said second message segment, whereby the format of said second message segment is variable and changes as a function of the type of financial transaction communicated.
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Abstract
A transmission message having a fixed terminal information segment with a field defining the format of a variable field authorization segment, and with a field defining the format of a variable field service payload segment. The fixed terminal information segment has other fields defining parameters of a terminal from which the transmission message is transmitted. The authorization segment has fields defining a method of payment by a user of the terminal. The service payload segment has fields defining the goods or services desired to be purchased by the user.
65 Citations
8 Claims
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1. A message format for use in communicating information, comprising:
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a plurality of message segments, each message segment having one or more data fields;
a first message segment having at least one data field storing data that does not change for each communication of financial information;
a second message segment having an arrangement of data fields that store data as a function of the type of financial transaction, and said arrangement of data fields changes for different financial transactions; and
said first message segment having a field that defines a format of the data fields of said second message segment, whereby the format of said second message segment is variable and changes as a function of the type of financial transaction communicated. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A message format for use in communicating financial information, comprising:
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a first message segment, a second message segment and a third message segment;
said first message segment having one or more data fields storing data for identifying a terminal from which a financial transaction is communicated using said message format, said first message segment having at least one data field defining an arrangement of data fields of said second message segment, and said first message segment having at least one data field defining an arrangement of data fields of said third message segment;
said second message segment for carrying data in respective fields thereof relating to a method of payment selected by a user using the terminal; and
said third message segment for carrying data in respective fields thereof relating to an identification of goods or services selected by the user of the terminal. - View Dependent Claims (8)
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Specification