System and apparatus for credit data transmission
1 Assignment
0 Petitions
Accused Products
Abstract
A system for transmitting credit transaction data, such as an authorization request, is provided. The system includes a remote hub system that is connected to a communications medium, such as the Internet. The remote hub system receives credit transaction data, such as an authorization request, a credit card number, and a transaction amount, from one or more point of sale systems, such as credit card authorization terminals. The remote hub system then encrypts the credit transaction data, and transmits the encrypted credit transaction data over the Internet to a gateway system. The gateway system decrypts the encrypted credit transaction data and transmits the credit transaction data to an authorization system.
-
Citations
40 Claims
-
1-21. -21. (canceled)
-
22. An apparatus for transmitting credit transaction data over a communications medium comprising:
-
a protocol translator for receiving the credit transaction data from two or more point of sale systems according to two or more different transmission protocols, each transmission protocol associated with a different credit authorization system, and forming a credit transaction data message; and
means for receiving the credit transaction data message from the protocol translator and encrypting the credit transaction data message. - View Dependent Claims (23, 24, 25, 26, 27)
-
-
29. The system of claim 28 further comprising a telephone backup system coupled to one of the two or more of the point of sale systems, wherein one of the two or more point of sale systems uses the telephone backup system when a network communications medium is unavailable.
-
30. A method for transmitting credit transaction data over a communications medium comprising:
-
receiving credit transaction data from two or more point of sale devices;
determining a point-of-sale device data transmission protocol to use to assemble the credit transaction data into an authorization request;
transmitting the authorization request over the communications medium;
determining which of two or more authorization systems is an appropriate authorization system to provide the authorization request to; and
transmitting the authorization request to the appropriate authorization system. - View Dependent Claims (31, 32, 33)
-
-
34. An apparatus for transmitting credit transaction data over a communications medium comprising:
-
means for receiving the credit transaction data from two or more point of sale systems according to two or more different transmission protocols, each transmission protocol associated with a different credit authorization system, and forming a credit transaction data message; and
an encryption system receiving the credit transaction data message and encrypting the credit transaction data message. - View Dependent Claims (35, 36, 37, 38, 39, 40)
-
Specification