Data card terminal for receiving authorizations from remote locations

• US 5,357,563 A
• Filed: 06/17/1993
• Issued: 10/18/1994
• Est. Priority Date: 01/10/1992
• Status: Expired due to Term

• Current Assignee: Reliance Data LP
• Original Assignee: Microbilt Corporation (Western Union)
• Inventors: Nair, Parameswaran B., Philmon, Gregory A., Stills, James T., Hamilton, James H., Morton, Murray A., Friedman, Shelley K., Cavicchi, Peter R., Noblett, Paul W. Jr., Vogt, Diane T., Depew, Timothy W., Kligfeld, Edward G.
• Primary Examiner(s): Chan, Wing F.
• Application Number:
  US08/079,501
• Time in Patent Office: 488 Days
• Field of Search: 379/91, 379/111, 379/114, 379/115, 379/144, 379/155, 379/67, 379/88, 379/89, 379/213, 379/214, 379/218, 379/221, 379/207, 235/375, 235/380-382.5
• US Class Current: 379/91.01
• CPC Class Codes: F02B 2075/025 two
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• 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
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: H04M 11/00 Telephonic communication systems specially adapted for combination with other electrical systems

Abstract

A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal is capable of requesting and receiving electronic authorization indicia via alternative communications links. The terminal includes first communications means for automatically connecting the terminal with a transaction processing host computer system via a first communications link, and second communications means for automatically connecting the terminal with the transaction processing host computer system via a separate second communications link if the first link fails. A third communications means automatically connects the terminal to an audio response unit (ARU) via a third communications link in response to a "call me" signal from the host computer system, or if the first and second communications links fail. Transaction data is automatically transmitted from the terminal to the ARU via DTMF signals. The terminal includes means for receiving manual entry of audible authorization indicia received from the ARU, and means for verifying manually entered authorization indicia.

Claims

1. A data card terminal operative for receiving electronic authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant, comprising:

first communication means for automatically connecting the terminal for data communications with a transaction processing host computer system via a first telecommunications link;

second communications means for automatically connecting the terminal for data communications with the transaction processing host computer system via a separate second telecommunications link in response to failure to establish said first telecommunications link;

third communications means for automatically connecting the terminal for communications with an audio response unit (ARU) via a separate third telecommunications link in response to failure to establish said first telecommunications link and failure to establish said second telecommunications link;

means for requesting authorization indicia from transaction processing host computer system via said first telecommunications link or said second telecommunications link in connection with a proposed transaction;

audio means for providing an audible authorization indicia from the audio response unit (ARU) to the merchant;

means for receiving the manual entry of said audible authorization indicia from the merchant as manually entered authorization indicia; and

means for storing authorization indicia received from said transaction processing host computer system or said manually entered authorization indicia.

2. The terminal of claim 1, wherein said authorization indicia received via said first telecommunication link or said second telecommunication link are automatically associated with other transaction data and stored in the terminal for subsequent communication to said transaction processing host computer system.

3. The terminal of claim 1, further comprising:

means for detecting an account number associated with the data card presented by the cardholder in connection with the proposed transaction;

means for automatically providing said detected account number to said transaction processing host computer system or said ARU.

4. The terminal of claim 3, wherein said account number providing means comprises digital signal means for providing said detected account number to said transaction processing host computer system, and DTMF means for providing said detected account number to said ARU.

5. The terminal of claim 1, wherein said audio means comprises a telephone handset.

6. The terminal of claim 1, wherein said audio means comprises a speaker.

7. The terminal of claim 1, wherein said transaction processing host computer system or an authorization source connected to said transaction processing host computer system may provide said authorization indicia or alternatively may provide a "call me" signal, and wherein said third communication means is operative, in response to said call me signal or in response to failure to establish communications with said transaction processing host computer system, for:

automatically dialing a telephone number associated with said audio response unit (ARU);

providing information associated with the data card and with the proposed transaction in the form of DTMF signals via said third telecommunications link; and

connecting said audible third authorization indicia from the ARU to said audio means.

8. The terminal of claim 7, wherein said first telecommunication link comprises a computer communications network accessed via the public switched telephone network;

wherein second telecommunication link comprises a computer communications network accessed via the public switched telephone network that is independent of said first telecommunications link; and

wherein said third communications link comprises a voice grade telephone line.

30. The terminal of claim 1, further comprising means for verifying said manually entered authorization indicia.

9. A method for obtaining transaction authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant utilizing a data card terminal, comprising the steps of:

automatically attempting to connect the terminal for data communications with a transaction processing host computer system via a first telecommunications link;

requesting authorization indicia from said transaction processing host computer system via said first telecommunications link in connection with the proposed transaction;

receiving authorization indicia from said transaction processing host computer system;

processing the proposed transaction in response to receipt of the authorization indicia;

in the event that communications with said transaction processing host computer system were not established via said first telecommunication link, automatically attempting to connect the terminal for data communications with said transaction processing host computer system via a separate second telecommunications link;

requesting authorization indicia from transaction processing host computer system via said second telecommunications link in connection with the proposed transaction;

receiving authorization indicia from said transaction processing host computer system;

processing the proposed transaction in response to receipt of the authorization indicia;

in the event that communications with said transaction processing host computer system were not established, automatically attempting to connect the terminal for communications with an audio response unit (ARU) via a separate third telecommunications link;

requesting authorization indicia from said ARU via said third telecommunications link in connection with a proposed transaction;

receiving an audible authorization indicia from the audio response unit (ARU) to the merchant via the third telecommunications link;

receiving the manual entry of the audible authorization indicia from the merchant as manually entered authorization indicia;

verifying the manually entered authorization indicia; and

storing authorization indicia received from the transaction processing host computer system or the manually entered authorization indicia.

10. The method of claim 9, further comprising the steps of:

detecting an account number associated with the data card presented by the cardholder in connection with the proposed transaction;

automatically providing the detected account number to the transaction processing host computer system or the ARU.

11. The method of claim 10, wherein the step of automatically providing the detected account number comprises providing the detected account number by digital signals to the transaction processing host computer system and by DTMF tones to the ARU.

12. The method of claim 9, wherein the step of receiving an audible authorization indicia from the ARU comprises delivering synthesized speech messages to the merchant via a telephone handset,

wherein the transaction processing host computer system or an authorization source connected to the transaction processing host computer system may provide the authorization indicia or alternatively may provide a "call me" signal, and further comprising the steps of:

in response to the call me signal or in response to failure to establish communications with the transaction processing host computer system, automatically dialing a telephone number associated with the audio response unit (ARU);

providing information associated with the data card and with the proposed transaction in the form of DTMF signals via the third telecommunications link; and

connecting the audible third authorization indicia from the ARU to audio means associated with the terminal.

13. The method of claim 12, wherein the first telecommunication link comprises a computer communications network accessed via a public switched telephone network;

wherein the second telecommunication link comprises a computer communications network accessed via the public switched telephone network that is independent of the first telecommunications link; and

wherein the third communications link comprises a voice grade telephone line.

14. A method for providing electronic authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant utilizing a data card terminal, comprising the steps of:

(1) automatically attempting to connect the terminal for communications via a telecommunications link to an authorization computer system;

(2) in response to failure to connect the terminal to the authorization computer system or in response to receipt of a call me signal from the authorization computer system, automatically attempting to connect the terminal with an audio response unit (ARU) via a second telecommunications link;

(3) in response to connection of the terminal to the ARU, automatically providing information associated with the data card and with the proposed transaction in the form of signals to the ARU; and

(4) providing an audible authorization approval code received from the ARU to the merchant.

15. The method of claim 14, wherein the method is carried out by a data card terminal including audio means, and wherein the step of attempting to connect the terminal with an audio response unit (ARU) via a second telecommunications link comprises:

automatically dialing a telephone number associated with the ARU;

connecting audible authorization indicia from the ARU to the audio means.

16. The method of claim 15, wherein the audio means is a speaker.

17. The method of claim 15, wherein the audio means is a telephone handset, and further comprising the step of providing a signal to an operator of the terminal to pick up the handset.

18. The method of claim 15, wherein the step of providing information associated with the data card and with the proposed transaction in the form of data signals to the ARU comprises providing DTMF signals corresponding to the data card information and the proposed transaction.

19. The method of claim 14, further comprising the steps of:

prompting a terminal operator to enter the audible authorization code into the terminal using a keyboard associated with the terminal;

in response to entry of the authorization code at the terminal, validating a check digit associated with the transaction data to detect keying errors or fictitious codes;

in response to detection that an incorrect code has been entered, prompting the terminal operator to re-enter the code; and

in the event that a valid code is not entered after a predetermined number of attempts by the terminal operator, voiding the transaction.

20. The method of claim 14, further comprising the steps of:

prompting a terminal operator to enter the audible authorization code into the terminal using a keyboard associated with the terminal;

in response to entry of the authorization code at the terminal, identifying the transaction as containing an "off line" authorization code in the terminal;

storing transaction data associated with transactions indicated as "off line" in a memory associated with the terminal;

subsequently transmitting transaction data identified as containing an "off line" authorization code to a transaction processing computer system via a telecommunications link.

21. A data card terminal operative for receiving electronic authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant, comprising:

at least one telecommunications port;

a controller operative for;

automatically connecting the terminal for data communications with a transaction processing host computer system via a first telecommunications link,

automatically connecting the terminal for data communications with a transaction processing host computer system via a separate second telecommunications link in response to failure to establish said first telecommunications link,

automatically connecting the terminal for communications with an audio response unit (ARU) via a separate third telecommunications link in response to failure to establish said first telecommunications link and failure to establish said second telecommunications link, and

requesting authorization indicia from said transaction processing host computer system via said first telecommunications link or said second telecommunications link in connection with a proposed transaction;

an audio device for providing an audible authorization indicia from the audio response unit (ARU) to the merchant;

a data entry device for the manual entry of said audible authorization indicia from the merchant as manually entered authorization indicia; and

a storage device for storing authorization indicia received from said transaction processing host computer system or said manually entered authorization indicia.

22. The terminal of claim 21, wherein said authorization indicia received via said first telecommunication link or said second telecommunication link are automatically associated with other transaction data and stored in the terminal for subsequent communication to said transaction processing host computer system.

23. The terminal of claim 21, further comprising:

an account number reader operative for detecting an account number associated with the data card presented by the cardholder in connection with the proposed transaction;

a transmitter for automatically providing said detected account number to said transaction processing host computer system or said ARU.

24. The terminal of claim 23, wherein said transmitter utilizes digital signals for providing said detected account number to said transaction processing host computer system, and DTMF signals for providing said detected account number to said ARU.

25. The terminal of claim 21, wherein said audio device comprises a telephone handset.

26. The terminal of claim 21, wherein said audio device comprises a speaker.

27. The terminal of claim 21, wherein said transaction processing host computer system or an authorization source connected to said transaction processing host computer system provides said authorization indicia or attentively provides a "call me" signal, and wherein said controller is operative, in response to said call me signal or in response to failure to establish communications with said transaction processing host computer system, for:

automatically dialing a telephone number associated with said audio response unit (ARU);

providing information associated with the data card and with the proposed transaction in the form of DTMF signals via said third telecommunications link; and

connecting said audible third authorization indicia from the ARU to said audio device.

28. The terminal of claim 27, wherein said first telecommunication link comprises a computer communications network accessed via the public switched telephone network;

wherein second telecommunication link comprises a computer communications network accessed via the public switched telephone network that is independent of said first telecommunications link; and

wherein said third communications link comprises a voice grade telephone line.

29. The terminal of claim 21, further comprising logic for verifying said manually entered authorization indicia.

31. A data card terminal operative for receiving electronic authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant, comprising:

at least one telecommunications port; and

a controller operative for;

automatically attempting to connect for data communications via said telecommunications port to an authorization computer system;

in response to failure to connect to said authorization computer system or in response to receipt of a call me signal from said authorization computer system, automatically attempting to connect with an audio response unit (ARU) via said telecommunications port;

in response to connection of the terminal to the ARU, automatically providing information associated with the data card and with the proposed transaction in the form of signals to the ARU; and

providing an audible authorization approval code received from the ARU to the merchant.

32. The terminal of claim 31, further comprising an audio device, and wherein said controller is further operative for:

automatically dialing a telephone number associated with the ARU;

connecting audible authorization indicia from the ARU to the audio device.

33. The terminal of claim 32, wherein said audio device is a speaker.

34. The terminal of claim 32, wherein said audio device is a telephone handset, and wherein said controller is further operative for providing a signal to an operator of the terminal to pick up the handset.

35. The terminal of claim 31, wherein the provision by the controller of information associated with the data card and with the proposed transaction in the form of data signals to the ARU comprises providing DTMF signals corresponding to the data card information and the proposed transaction.

36. The terminal of claim 31, wherein the controller is further operative for:

prompting a terminal operator to enter the audible authorization code into the terminal using a keyboard associated with the terminal;

in response to entry of the authorization code at the terminal, validating a check digit associated with the transaction data to detect keying errors or fictitious codes;

in response to detection that an incorrect code has been entered, prompting the terminal operator to re-enter the code; and

in the event that a valid code is not entered after a predetermined number of attempts by the terminal operator, voiding the transaction.

37. The terminal of claim 31, wherein said controller is further operative for:

prompting a terminal operator to enter the audible authorization code into the terminal using a keyboard associated with the terminal;

in response to entry of the authorization code at the terminal, identifying the transaction as containing an "off line" authorization code in the terminal;

storing transaction data associated with transactions indicated as "off line" in a memory associated with the terminal; and

subsequently transmitting transaction data identified as containing an "off line" authorization code to a transaction processing computer system via a telecommunications link.

38. A method for providing electronic authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant utilizing a data card terminal, comprising the steps of:

(1) automatically attempting to connect the terminal for communications via a telecommunications link to an authorization computer system;

(2) in response to failure to connect the terminal to the authorization computer system or in response to receipt of a call me signal from the authorization computer system, automatically attempting to connect the terminal with an audio response unit (ARU) via a second telecommunications link;

(3) in response to connection of the terminal to the ARU, providing information associated with the data card and with the proposed transaction in the form of signals to the ARU;

(4) providing an audible authorization approval code received from the ARU to the merchant;

(5) prompting a terminal operator to enter the audible authorization code into the terminal using a keyboard associated with the terminal;

(6) in response to entry of the authorization code at the terminal, validating a check digit associated with the transaction data to detect keying errors or fictitious codes;

(7) in response to detection that an incorrect code has been entered, prompting the terminal operator to re-enter the code; and

(8) in the event that a valid code is not entered after a predetermined number of attempts by the terminal operator, voiding the transaction.

39. A method for providing electronic authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant utilizing a data card terminal, comprising the steps of:

(1) automatically attempting to connect the terminal for communications via a telecommunications link to an authorization computer system;

(2) in response to failure to connect the terminal to the authorization computer system or in response to receipt of a call me signal from the authorization computer system, automatically attempting to connect the terminal with an audio response unit (ARU) via a second telecommunications link;

(3) in response to connection of the terminal to the ARU, providing information associated with the data card and with the proposed transaction in the form of signals to the ARU;

(4) providing an audible authorization approval code received from the ARU to the merchant;

(5) prompting a terminal operator to enter the audible authorization code into the terminal using a keyboard associated with the terminal;

(6) in response to entry of the authorization code at the terminal, identifying the transaction as containing an "off line" authorization code in the terminal;

(7) storing transaction data associated with transactions indicated as "off line" in a memory associated with the terminal; and

(8) subsequently transmitting transaction data identified as containing an "off line" authorization code to a transaction processing computer system via a telecommunications link.

40. A data card terminal operative for receiving electronic authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant, comprising:

at least one telecommunications port; and

a controller operative for;

automatically attempting to connect for data communications via said telecommunications port to an authorization computer system;

in response to failure to connect to said authorization computer system or in response to receipt of a call me signal from said authorization computer system, automatically attempting to connect with an audio response unit (ARU) via said telecommunications port;

in response to connection of the terminal to the ARU, providing information associated with the data card and with the proposed transaction in the form of signals to the ARU;

providing an audible authorization approval code received from the ARU to the merchant;

prompting a terminal operator to enter the audible authorization code into the terminal using a keyboard associated with the terminal;

in response to entry of the authorization code at the terminal, validating a check digit associated with the transaction data to detect keying errors or fictitious codes;

in response to detection that an incorrect code has been entered, prompting the terminal operator to re-enter the code; and

in the event that a valid code is not entered after a predetermined number of attempts by the terminal operator, voiding the transaction.

41. A data card terminal operative for receiving electronic authorizations in connection with a proposed transaction associated with a data card presented by a cardholder to a merchant, comprising:

at least one telecommunications port; and

a controller operative for;

automatically attempting to connect for data communications via said telecommunications port to an authorization computer system;

in response to failure to connect to said authorization computer system or in response to receipt of a call me signal from said authorization computer system, automatically attempting to connect with an audio response unit (ARU) via said telecommunications port;

in response to connection of the terminal to the ARU, providing information associated with the data card and with the proposed transaction in the form of signals to the ARU;

providing an audible authorization approval code received from the ARU to the merchant;

prompting a terminal operator to enter the audible authorization code into the terminal using a keyboard associated with the terminal;

in response to entry of the authorization code at the terminal, identifying the transaction as containing an "off line" authorization code in the terminal;

storing transaction data associated with transactions indicated as "off line" in a memory associated with the terminal; and

subsequently transmitting transaction data identified as containing an "off line" authorization code to a transaction processing computer system via a telecommunications link.