SYSTEM AND METHOD FOR PERFORMING ELECTRONIC TRANSACTIONS

• US 20100191649A1
• Filed: 10/06/2006
• Published: 07/29/2010
• Est. Priority Date: 10/06/2005
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Kunemund, Friedhelm, Zinke, Gerd, Albrecht, Norbert
• Application Number:
  US12/089,534
• Publication Number:
  US 20100191649A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/40 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

Abstract

In an embodiment, an arrangement for executing electronic card payment transactions includes first card reading means (10) for reading data from a payment card (12) and a first process machine addressing the first card reading means, which process machine is set up, in response to the reading of card data by the first card reading means, to cause the sending of an electronic authorization request to a remote transaction authorization system (14, 16). The arrangement further includes storage means (18) for storing an electronic authorization reply returned by the transaction authorization system in response to the authorization request. Second reading means (20-24) separate from the first reading means serve for the second-time reading of data from the payment card (12), a second process machine addressing the second card reading means being set up, in response to the second-time reading of card data by the second card reading means, to query the authorization reply stored in the storage means.

Claims

1. Arrangement for executing electronic transactions, comprising

first reading means for reading one or more items of identification information from an identification information carrier object,

a first process machine, addressing the first reading means and set up to cause the sending of an electronic authorization request to a remote transaction authorization system in response to the reading of at least one item of identification information by the reading means,

storage means for storing an electronic authorization reply returned by the transaction authorization system in response to the authorization request,

separate from the first reading means, second reading means for reading characteristic data from a transaction authorization means, and

a second process machine, addressing the second reading means and set up to cause a query of an authorization reply stored in the storage means, in response to the reading of characteristic data by the second reading means.

2. Arrangement according to claim 1, characterized in that the first reading means and the second reading means are formed by separate reading devices, installed spatially separated.

3. Arrangement according to claim 1, characterized in that the storage means are assigned to a server, which is coupled via a local network with one or more terminal devices, at least a part of which in each case forms a second process machine.

7. Transaction authorization system for communication with an arrangement according to claim 1, the transaction authorization system being set up to insert information about an authorized transaction amount into an authorization reply directed to the arrangement.

4. Method for executing electronic card payment transactions, comprising the following steps:

execution of a first read operation, in which one or more items of identification information are read from an identification information carrier object,

sending of an electronic authorization request to a remote transaction authorization system in response to the first read operation,

storage of an electronic authorization reply returned by the authorization system in response to the authorization request,

execution of a second read operation, in which characteristic data is read from a transaction authorization means, and

in response to the second read operation, causing of a query of an authorization reply stored in the storage means.

5. Memory medium with program code means stored on or in it, the program code means when executed by a processor-based computer arrangement causing the implementation of the method according to claim 4.

6. Electric or electromagnetic signal, which represents program code means, which when executed by a processor-based computer arrangement cause the implementation of the method according to claim 4.