International authorization system

• US 5,136,633 A
• Filed: 11/13/1990
• Issued: 08/04/1992
• Est. Priority Date: 01/30/1990
• Status: Expired due to Term

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Naimi, Farzad, Tejada, George
• Primary Examiner(s): Dwyer, James L.
• Assistant Examiner(s): Woo, Stella L.
• Application Number:
  US07/614,081
• Time in Patent Office: 630 Days
• Field of Search: 379/91, 379/88, 379/89, 379/93, 379/97
• US Class Current: 379/91.02
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04M 2203/2061 Language aspects
• CPC Class Codes: H04M 2242/22 Automatic class or number identification arrangements
• CPC Class Codes: H04M 3/42 Systems providing special services or facilities to subscribers specially adapted for wireless communication networks H04W4/00
• CPC Class Codes: H04M 3/42102 Making use of the called party identifier
• CPC Class Codes: H04M 3/493 Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
• CPC Class Codes: H04M 7/00 Arrangements for interconnection between switching centres
• CPC Class Codes: H04Q 3/72 Finding out and indicating number of calling subscriber
• CPC Class Codes: Y10S 379/903 Password

Abstract

A network system is disclosed for handling telephone requests for authorizing financial transactions between a merchant (10) and the issuer (20) of the transaction card presented for the transaction. The network system includes an intelligent switch (14) for receiving an incoming call from a merchant. The switch includes a Voice Response Unit (VRU) (16) which generates a request for the merchant to enter the account number of the transaction card. The switch then determines the issuer based on data contained in the account number received from the merchant (118). The switch then initiates a call to the issuer (120). The switch then connects the merchant and issuer to enable the issuer to obtain additional information, directly from the merchant, for evaluating the transaction (132). Once the information has been received, the issuer will generate an approval code which is relayed by the switch to the merchant (146, 148). The switch will also keep a record of the transaction parameters (154). If the merchant and issuer are located in different countries, the switch can add a bilingual operator to the call for translating the verbal communications between the merchant and the issuer (232).

Claims

1. A system for handling a telephone request for authorizing an international financial transaction, said request being from a merchant desiring to accept a transaction card for a purchase, said request being directed to the issuer of the transaction card, wherein said issuer is located in country different from the merchant, and wherein said transaction card has a unique account number associated therewith which identifies the cardholder and the issuer, said system comprising:

switch means for receiving a telephone call from a merchant requesting authorization information about a financial transaction, said switch means functioning to identify the country in which the merchant is located, said switch means including;

memory means for storing a table which includes information correlating data included in the account number of the card with the issuer of the card, said table further identifying the country in which the issuer is located, said memory means further including a list of bilingual operators and the languages in which those operators are fluent;

means for determining the issuer of the card based on the account number of the card and the information stored in the table and for identifying the country in which the issuer is located;

means for initiating a telephone call to the issuer of the card; and

means for connecting the call from the merchant and the call to the issuer with an operator fluent in both the principal language of the country where the merchant is located and the principal language of the country where the issuer is located such that the operator can translate the verbal communications between the merchant and the issuer so that the issuer can evaluate the transaction.

2. A system as recited in claim 1 wherein said means for connecting the merchant and issuer operates in response to an acceptance signal generated by the issuer.

3. A system as recited in claim 1 wherein said switch means includes a means for generating a request to the merchant for entry of the account number of the card.

4. A system as recited in claim 3 wherein said request for entry of the account number is an electronically voice generated message and in the language of the country where the merchant is located.

5. A system as recited in claim 3 wherein said switch means further functions to supply the issuer with the account number of the card received from the merchant.

6. A system as recited in claim 1 wherein said switch means further includes a means for disconnecting the merchant and the issuer after the issuer has received the information from the merchant necessary to evaluate the transaction.

7. A system as recited in claim 6 wherein means for disconnecting the merchant and the issuer operates in response to a signal generated by the issuer.

8. A system as recited in claim 1 wherein said switch means further functions to receive authorization information from the issuer and route that information to the merchant.

9. A system as recited in claim 8 wherein said switch means further functions to store said authorization information received from said issuer.

10. A method for handling a telephone request for authorizing an international financial transaction, said request being from a merchant desiring to accept a transaction card for a purchase, said request being directed to the issuer of the transaction card, wherein said issuer is located in a country different from the merchant, and wherein said transaction card has a unique account number associated therewith which identifies the cardholder and the issuer, said method comprising the steps of:

receiving a telephone call from a merchant requesting authorization information about a financial transaction;

identifying the country in which the merchant is located;

determining the issuer of the card based on the account number of the card;

identifying the country in which the issuer is located;

initiating a telephone call to the issuer of the card; and

connecting the call from the merchant and the call to the issuer with an operator fluent in both the principal language of the country where the merchant is located and the principal language of the country where the issuer is located such that the operator can translate the verbal communications between the merchant and the issuer so that the issuer can evaluate the transaction.

11. A method as recited in claim 10 wherein said step of connecting the merchant and issuer occurs in response to an acceptance signal generated by the issuer.

12. A method as recited in claim 10 further including the step of generating a request to the merchant for entry of the account number of the card.

13. A method as recited in claim 12 wherein said request for entry of the account number is an electronically voice generated message and in the language of the country where the merchant is located.

14. A method as recited in claim 12 further including the step of supplying the issuer with the account number of the card received from the merchant.

15. A method as recited in claim 10 further including the step of disconnecting the merchant and the issuer after the issuer has received the information from the merchant necessary to evaluate the transaction.

16. A method as recited in claim 15 wherein the merchant and the issuer are disconnected in response to a signal generated by the issuer.

17. A method as recited in claim 10 further including the step of receiving authorization information from the issuer and routing that information to the merchant.

18. A method as recited in claim 17 further including the step of storing said authorization information received from said issuer.

19. A method as recited in claim 10 further including the step of initiating a call to a default processor if the issuer is unavailable.