Transaction approval system

• US 4,822,985 A
• Filed: 01/06/1987
• Issued: 04/18/1989
• Est. Priority Date: 01/06/1987
• Status: Expired due to Term

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Campbell, Carl M. Jr., Boggan, Elvis W.
• Primary Examiner(s): Envall, Jr., Roy N.
• Application Number:
  US07/000,596
• Time in Patent Office: 833 Days
• Field of Search: 235/380, 235/382, 235/382.5, 235/379, 380/24
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02

Abstract

An improved system is disclosed for detecting invalid transaction cards at remote transaction terminals. The system includes providing each terminal with a master table having data corresponding to invalid cards. The data in the master table is less than the actual account numbers of the invalid cards. By using a compressed version of the data, the file can be shortened to facilitate storage and transmission. The compressed data file is arranged such that when an invalid card is presented, it will be identified and routed on for further processing. In the preferred embodiment, the probability that a valid card will be identified as potentially invalid is on the order of one of three percent.

Claims

1. In a transaction network including a central processor, a plurality of transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying invalid cards comprising the steps of:

(a) generating a master table at said central processor, said table including at least a first bit map B bits in length;

(b) selecting a set of digits from the account number of a first invalid transaction card;

(c) calculating a first index value which is an algorithmic function of said set of digits, said first index value being between zero and B-1;

(d) placing an indicator within said first bit map corresponding to said first index value;

(e) repeating steps b though d for each invalid card; and

(f) supplying the master table to each transaction terminal whereby during a transaction, the transaction terminal determines if an indicator exists in the master table corresponding to the account number of the card presented for the transaction.

2. A transaction network as recited in claim 1 further including the steps at the transaction terminal of:

repeating steps b and c for the account number of the card presented to generate a first index value;

determining if an indicator is present in the first bit map at a location corresponding to the generated first index value.

3. A transaction network as recited in claim 2 further including the steps at the transaction terminal of:

allowing the transaction to continue unless an indicator is present whereupon the transaction is subjected to further verification.

4. In a transaction network including a central processor, a plurality of transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying invalid cards comprising the steps of:

(a) generating a master table at said central processor, said table including a plurality of bit maps, each map being B bits in length;

(b) selecting a set of digits from the account number of a first invalid transaction card;

(c) calculating a first index value which is an algorithmic function of said set of digits, said first index value being between zero and B-1;

(d) placing an indicator within one of said bit maps, said indicator corresponding to said first index value;

(e) repeating steps b and c for each bit map in said master table, each time selecting a unique set of digits from the account number and placing an indicator corresponding to each calculated value in the associated bit map;

(f) repeating steps b though e for each invalid card; and

(g) supplying the master table to each transaction terminal whereby during a transaction, the transaction terminal determines if an indicator exists in the master table corresponding to the account number of the card presented for the transaction.

5. A transaction network as recited in claim 4 further including the steps at the transaction terminal of:

repeating steps b and c for each bit map for the account number of the card presented to generate a plurality of values;

determining if indicators are present in each bit map corresponding to the generated values.

6. A transaction network as recited in claim 5 further including the steps at the transaction terminal of:

allowing the transaction to continue unless an indicator is present in each bit map whereupon the transaction is subjected to further verification.

7. In a transaction network including a central processor, a plurality of transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying invalid cards comprising the steps of:

(a) generating a master table at said central processor, said table including data derived from a list of invalid transaction cards, said data being less than the entire account number of each card and including at least one indicator for each invalid card; and

(b) supplying the master table to each transaction terminal whereby during a transaction, the transaction terminal determines if an indicator exists in the master table for the account number of the card presented for the transaction and allowing the transaction to continue unless an indicator is present whereupon the transaction will be subjected to further verification.

8. A system as recited in claim 7 wherein the entire master table does not have to be scanned to determine if an indicator exists for the account number of the card presented for the transaction.

9. A data file for use in transaction networks, said data file including information about the account numbers of invalid transaction cards comprising:

a master table including a plurality of bit maps each having B bits; and

one indicator in each bit map for each invalid card, each said indicator being at a location corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card.

10. A data file as recited in claim 9 wherein the length of the bit maps in the master table are set with respect to the number of invalid transaction cards such that the probability of an indicator being present in a bit map is approximately 0.4 to 0.5.

11. A data file as recited in claim 10 wherein the number of bit maps in the master table are selected such that the probability of a valid card being represented as an invalid card in the data file is less than ten percent.

12. A data file as recited in claim 10 wherein the number of bit maps in the master table are selected such that the probability of a valid card being represented as an invalid card in the data file is on the order of one to three percent.

13. A transaction system including a central processor and a plurality of transaction terminals and a plurality of transaction cards each having an account number, and with some of said cards being invalid, said system for facilitating off line approval of transactions comprising:

means at said central processor for creating a master table, said master table having a plurality of bit maps, wherein one indicator is provided in each bit map for each invalid transaction card;

means for supplying the master table to each of the transaction terminals; and

means at each transaction terminal for determining if an indicator is present in each bit map for the account number of the transaction card being presented.

14. A transaction system as recited in claim 13 wherein said means for supplying the master table to the transaction terminals comprises:

a radio transmitter; and

a receiver located at each transaction terminal.

15. A transaction system as recited in claim 13 wherein said means at said central processor generates said master table by selecting sets of digits from the account number of each invalid transaction card and calculating an index value for each set of digits which is an algorithmic function thereof and placing an indicator in individual bit maps at locations corresponding to the calculated index values.

16. A transaction system as recited in claim 15 wherein said transaction terminal selects sets of digits from the account number of the transaction card which has been presented and generates a set of index values and wherein said index values are used to determine if indicators are present in corresponding locations in the bit maps of the master table.

17. A transaction system as recited in claim 16 wherein the transaction terminal allows the transaction to continue unless an indicator is present in each bit map and in that case, the transaction is subjected to further verification.

18. A transaction system as recited in claim 15 wherein the length of each bit map is set with respect to the number of invalid transaction cards such that the probability of an indicator being present in the bit map is approximately 0.4 to 0.5.

19. A transaction system as recited in claim 13 wherein the number of bit maps in the master table are selected such that the probability of a valid card being represented as an invalid card in the data file is less than ten percent.

20. A transaction system as recited in claim 13 wherein the number of bit maps in the master table are selected such that the probability of a valid card being represented as an invalid card in the data file is on the order of one to three percent.

21. A financial transaction system including a central processor and a plurality of transaction terminals and a plurality of transaction cards each having an account number, and with some of said cards being invalid, said system for facilitating off-line approval of transactions comprising:

means at said central processor for creating a master table, said master table having data derived from a list of invalid transaction cards, said data being less than the entire account number of each card and including at least one indicator for each invalid transaction card;

means for supplying the master table to each of the transaction terminals; and

means at each transaction terminal for determining if an indicator exists in the master table for the account number of the transaction card being presented and allowing the transaction to continue if no indicator is present and subjecting the transaction to further verification if an indicator is present.

22. A transaction system as recited in claim 21 wherein said means for supplying the master table to the transaction terminals comprises:

a radio transmitter; and

a receiver located at each transaction terminal.

23. A transaction system as recited in claim 21 wherein said master table includes a plurality of bit maps and wherein said means at said central processor generates said master table by selecting sets of digits from the account number of each invalid transaction card and calculating an index value for each set of digits which is an algorithmic function thereof and placing an indicator in individual bit maps at locations corresponding to the calculated index values.

24. A transaction system as recited in claim 23 wherein said transaction terminal selects sets of digits from the account number of the transaction card which has been presented and generates a set of index values and wherein said index values are used to determine if indicators are present in corresponding locations in the bit maps of the master table.

25. A transaction system as recited in claim 24 wherein the transaction terminal allows the transaction to continue unless an indicator is present in each bit map and in that case, the transaction is subjected to further verification.

26. A transaction system as recited in claim 23 wherein the length of each bit map is set with respect to the number of invalid transaction cards such that the probability of an indicator being present in the bit map is approximately 0.4 to 0.5.

27. A transaction system as recited in claim 23 wherein the number of bit maps in the master table are selected such that the probability of a valid card being represented as an invalid card in the data file is less than ten percent.

28. A transaction system as recited in claim 23 wherein the number of bit maps in the master table are selected such that the probability of a valid card being represented as an invalid card in the data file is on the order of one to three percent.

29. A transaction system as recited in claim 21 wherein the entire master table does not have to be scanned to determine if an indicator exists for the account number of the transaction card presented for the transaction.