Card authorization terminal

• US 4,874,932 A
• Filed: 09/21/1988
• Issued: 10/17/1989
• Est. Priority Date: 09/26/1987
• Status: Expired due to Fees

• Current Assignee: Omron Tateisi Electronics Co. (Omron Corporation)
• Original Assignee: Omron Tateisi Electronics Co. (Omron Corporation)
• Inventors: Kimizu, Ryuichi
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US07/247,348
• Time in Patent Office: 391 Days
• Field of Search: 235/379, 235/380, 902/5
• US Class Current: 235/379
• 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

In a card authorization terminal for effecting card authorization processing for a large transaction amount of money with communications with a host computer but card pseudoauthorization processing for a small transaction amount of money without communications with the host computer, transaction data used for pseudoauthorization processing are once stored in a memory unit and then transmitted to the host computer during communications with the host computer for card authorization processing. Further, in the case of transactions of small amounts of money, only some transactions extracted at random are processed for card authorization.

Claims

1. A card authorization terminal, comprising:

(a) reading means for reading card data;

(b) inputting means for inputting transaction amount data;

(c) authorization processing means for transmitting card data read by said reading means and transaction amount data inputted by said inputting means to a host computer for authorization request and by receiving and displaying authorization results transmitted from the host computer, when the transaction amount data inputted by said inputting means satisfies authorization requirement conditions;

(d) pseudoauthorization processing means for effecting a pretended authorization processing by displaying predetermined pseudoauthorization results without transmitting an authorization request to the host computer, when the transaction amount data inputted by said inputting means satisfies pseudoauthorization conditions;

(e) storing means for storing card data read by said reading means and transaction amount data inputted by said inputting means whenever a pseudoauthorization processing is effected by said pseudoauthorization processing means;

(f) detecting means for detecting whether card data and transaction amount data are stored in said storing means; and

(g) controlling means for allowing said detecting means to detect whether card data and transaction amount data are stored in said storing means when an authorization processing is effected by said authorization processing means, and for transmitting data stored in said storing means to the host computer, without interrupting communications after an authorization processing by said authorization processing means, when data storage is detected by said detecting means.

2. The card authorization terminal of claim 1, wherein the authorization requirement condition is that transaction amount data is more than a predetermined limit amount, and the pseudoauthorization condition is that transaction amount data is the predetermined limit amount or less.

3. The card authorization terminal of claim 1, which further comprises extracting means for extracting at random some transactions to be processed by said authorization processing means from transactions whose transaction amount satisfies the pseudoauthorization condition.

4. The card authorization terminal of claim 3, which further comprises setting means for setting information related to an extraction rate at which transactions are extracted at random.

5. The card authorization terminal of claim 3, wherein the information related to the extraction rate is transmitted from the host computer.

6. The card authorization terminal of claim 3, wherein said extracting means comprises means for generating a random number when the inputted transaction amount is determined to satisfy the pseudoauthorization condition;

and means for selecting whether an authorization processing is requested for the host computer on the basis of the generated random number.

7. A card authorization terminal for effecting an authorization processing by transmitting an authorization request to a host computer and by displaying an authorization result from the host computer when a transaction amount satisfies an authorization requirement condition and for effecting a pseudoauthorization processing by displaying predetermined pseudoauthorization results, without transmitting an authorization request to the host computer, when a transaction amount satisfies a pseudoauthorization condition, which comprises:

(a) inputting means for inputting transaction amount data;

(b) discriminating means for discriminating whether a transaction amount data inputted by said inputting means is a limit amount data or less and therefore an authorization processing by the host computer is not required;

(c) generating means for generating a random number when said discriminating means determines that the transaction amount data inputted by said inputting means is the limit amount data or less;

(d) selecting means for selecting whether an authorization processing is requested to the host computer on the basis of a random number generated by said random number generating means; and

(e) controlling means to effect an authorization processing with the host computer, without effecting pseudoauthorization processing, when said discriminating means determines that a transaction amount data inputted by said inputting means is the limit amount data or less and further said selecting means selects an authorization processing by the host computer.

8. The card authorization terminal of claim 8, wherein said random number generating means fomrs a random number on the basis of transaction amount data inputted by said inputting means.

9. The card authorization terminal of claim 8, which further comprises reading means for reading card data from a card, said random number generating means forming a random number on the basis of card data read by said reading means.

10. The card authorization terminal of claim 8, which further comprises reading means for reading card data from a card, said random number generating means forming a random number on the basis of card data read by said reading means and transaction amount data inputted by said inputted means.

11. The card authorization terminal of claim 8, wherein said selecting means selects whether an authorization processing is to be requested to the host computer on the basis of whether a random number formed by said random number generating means lies within a predetermined range.

12. The card authorization terminal of claim 8, wherein said selecting means selects whether an authorization processing is to be requested to the host computer on the basis of whether a random number formed by said random number generating means is an even number or an odd number.

13. A card authorization terminal for effecting an actual authorization processing, in communications with a host computer, for transactions of a small amount of money of an authorization processing limit amount or less which are extracted at random in accordance with a predetermined extraction rate, and for effecting a pseudoauthorization processing, without communication with the host computer, for transactions not extracted, which comprises:

(a) means for detecting information related to the extraction rate from data received from the host computer via a transmission line; and

(b) means for automatically updating the extraction rate on the basis of information detected by said detecting means, whereby the extraction rates can be determined via the transmission line only from outside.