Distributed authorization system

• US 4,891,503 A
• Filed: 03/29/1988
• Issued: 01/02/1990
• Est. Priority Date: 03/29/1988
• Status: Expired due to Fees

• Current Assignee: Gascard Club Incorporated
• Original Assignee: Gascard Incorporated
• Inventors: Jewell, Thomas L.
• Primary Examiner(s): Smith, Jerry
• Assistant Examiner(s): Huntley, David
• Application Number:
  US07/174,839
• Time in Patent Office: 644 Days
• Field of Search: 364/400, 364/401, 364/405, 364/408, 235/379, 235/380, 235/381, 340/825.31, 340/825.33
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A distributed authorization system and process for authorizing transactions utilizes a host computer communicating with a network of electronic terminals remote from the host computer. It includes storing negative file data in the electronic terminal containing information used to identify accounts for which requested transactions are to be denied, and storing authorization file data in the electronic terminal containing information used to determine whether to authorize a requested transaction. Upon entry of a transaction request, the data is checked against the terminal negative file data and immediately denied if the card account is contained in the terminal'"'"'s negative file. If the transaction is not denied, authorization logic is performed in the electronic terminal resulting in terminal output denying the request, authorizing the request, or establishing an electronic connection from the terminal to the host computer to obtain authorization from the host computer. In establishing this connection, account data is transmitted from the host back to the remote electronic terminal resulting in terminal output either denying the request or authorizing the request. Also, during such connection, the terminal'"'"'s authorization file is updated with account data, transmitted from the host computer to the electronic terminal. The completed transaction is stored in a terminal transaction queue file residing in the terminal for subsequent transmission to the host computer, and for use with a transaction request is subsequently entered at the terminal for the same account.

Claims

1. A distributed authorization system for authorizing and denying requested transactions concerning an account, said system utilizing a host computer communicating with at least one electronic terminal remote from the host computer, comprising:

means for storing data in a negative file residing in the electronic terminal for containing information based on previous transactions specific to that terminal used to identify accounts for which requested transactions are to be denied authorization;

means for storing data in an authorization file residing in the electronic terminal containing information based on previous transactions specific to that terminal used to determine whether to authorize a requested transaction concerning an account;

means for entering transaction data into the electronic terminal for requesting a transaction concerning a specific requested account;

means for checking said transaction request data against said terminal negative file data, said checking means generating terminal output denying said transaction request when said requested account is contained in said terminal negative file;

means for performing authorization logic in the electronic terminal in the event said transaction request is not denied at the terminal, said logic means including means for checking whether said requested account is contained in said terminal authorization file,

said logic means being responsive to said requested account being found in said terminal authorization file for generating a terminal output signal (i) denying the request, or (ii) authorizing the request,

said logic means further being responsive to said requested account not being found in said terminal authorization file for establishing an electronic connection from the electronic terminal to the host computer to obtain authorization from the host computer, in which new account data for said requested account is transmitted from the host computer back to the electronic terminal resulting in terminal output (i) denying the request, or (ii) authorizing the request;

means for adding said new account data to said terminal authorization file; and

means for storing completed transaction data in a transaction queue file residing in the electronic terminal for subsequent transmission to the host computer.

2. The system of claim 1 further comprising means for transmitting said stored data for said completed transactions queued in said terminal transaction message queue file from the electronic terminal to the host computer whenever said connection is made between the electronic terminal and the host computer.

3. The system of claim 2, further comprising means for periodically establishing a connection from said terminal to the host computer to send queued messages from the terminal to the host computer when there has not been activity from the electronic terminal for a given account to the host for a period of time.

4. The system according to claim 1, further comprising the host computer having means for receiving changes in authorization data for a given account, and means for storing said authorization file data in a host message queue file wherein there is stored a message for each remote electronic terminal identified in said host message queue file for said given account.

5. The system of claim 4, further comprising means for sending electronic message to all terminals having activity for a given account of all changes in said account authorization file data.

6. The system of claim 4 further comprising said host computer including means for instructing said host computer to establish a connection to an electronic terminal, and means for transmitting any and all queued messages designated to that terminal, and means for disconnecting said connection.

7. The system of claim 1, further comprising means for transmitting information concerning deletion of account information from the terminal authorization file.

8. The system of claim 1, further comprising the host having means for establishing a connection to the electronic terminal on a periodic basis.

9. A distributed authorization process for authorizing and denying requested transactions concerning an account, said system utilizing a host computer communicating with at least one electronic terminal remote from the host computer, comprising the steps of:

storing data in a negative file residing in the electronic terminal for containing information based on previous transactions specific to that terminal used to identify accounts for which requested transactions are to be denied authorization;

storing data in an authorization file residing in the electronic terminal containing information based on previous transactions specific to that terminal used to determine whether to authorize a requested transaction concerning an account;

entering transaction data into the electronic terminal for requesting a transaction concerning a specific requested account;

checking said transaction request data against said terminal negative file data, said checking means generating terminal output denying said transaction request when said requested account is contained in said terminal negative file;

performing authorization logic in the electronic terminal in the event said transaction request is not denied at the terminal, including checking whether said requested account is contained in said terminal authorization file, and generating a terminal output signal (i) denying the request, or (ii) authorizing the request in response to said requested account being found in said terminal authorization file, and establishing an electronic connection from the electronic terminal to the host computer to obtain authorization from the host computer, in response to said requested account not being found in said terminal authorization file, in which new account data for said requested account is transmitted from the host computer back to the electronic terminal resulting in terminal output (i) denying the request, or (ii) authorizing the request;

adding said new account data to said terminal authorization file; and

storing completed transaction data in a transaction queue file residing in the electronic terminal for subsequent transmission to the host computer.