Self configuring data card terminal

• US 5,396,545 A
• Filed: 10/22/1993
• Issued: 03/07/1995
• Est. Priority Date: 11/08/1991
• Status: Expired due to Term

• Current Assignee: Microbilt Corporation (Western Union)
• Original Assignee: Microbilt Corporation (Western Union)
• Inventors: Evans, John C., Choudhuri, Kumar S., Nair, Parameswaran B., Stills, James T.
• Primary Examiner(s): Kuntz, Curtis
• Assistant Examiner(s): Chan, Jason
• Application Number:
  US08/141,864
• Time in Patent Office: 501 Days
• Field of Search: 379/91, 379/92, 379/355, 379/356, 379/357, 379/209, 379/234, 379/93, 379/96, 379/97, 379/98
• US Class Current: 379/91.01
• CPC Class Codes: G06K 7/084 sensing magnetic material by relative movement detecting flux changes without altering its magnetised state

Abstract

A low cost, easily manufacturable, and easy to use card transaction terminal for reading a magnetic stripe on a data card. A two piece case snaps securely together without screws or other fasteners. The case includes printed circuit board supports for receiving and temporarily supporting a single, double sided circuit board. The circuit board includes minimized circuit components, including a microcomputer with integral program read-only memory. An improved data read head sub-assembly facilitates assembly and provides for precise positioning of data read head and substantially parallel biasing of the read head against the magnetic stripe of a data card. Keying features ensure that the read head subassembly is mounted in the proper orientation. An integral strain relief mechanism formed in the two piece case provides strain relief for power cord without additional hardware. An improved data decode method for the microcomputer decodes data in real time as it is read from the magnetic stripe on the card and obviates random access memory external to the microcomputer. An adaptive method is provided for initially configuring and thereafter operating the card transaction terminal, by affixing a predetermined string of additional access characters to a host telephone number in the event that a first attempt to contact a host computer system fails.

Claims

1. A method for initially configuring and thereafter operating a card transaction terminal, the transaction terminal including a programmed microcomputer, electronic communications circuitry for communicating with computer systems via a telephone line in conducting card transactions, and a memory for storing at least one telephone number, comprising the steps of:

(1) causing the communications circuitry to seize the telephone line;

(2) dialing a first string of digits associated with a host computer system;

(3) detecting whether the host computer system is connected in response to dialing of said first string of digits;

(4) in response to detection that the host computer system is not connected in response to dialing of said first string of digits, dialing a modified string of digits associated with said host computer system;

(5) detecting whether the host computer system is connected in response to dialing said modified string of digits;

(6) storing an access flag indicative of whether the host computer system was connected in response to dialing of said first string of digits or said modified string of digits; and

(7) responsive to the state of said access flag, automatically utilizing either a second string of digits associated with a computer system or a second modified string of digits associated with said computer system for subsequent communications,

whereby the transaction terminal is automatically operative to configure itself to a telephone system of a user.

2. The method of claim 1, wherein said first string of digits is a prestored telephone number of the host computer system.

3. The method of claim 2, wherein said modified string of digits is said prestored telephone number of said host computer system prefaced by a predetermined string of additional access characters or digits characteristic of said telephone system.

4. The method of claim 3, wherein said predetermined string of additional access characters comprises a "9".

5. The method of claim 1, wherein the steps (1) through (6) are carried out for contacting a download host computer system, and wherein step (7) is carded out for contacting a primary or secondary computer system.

6. The method of claim 5, further comprising the step of executing a download configuration routine in response to detection of connection to said download host computer system.

7. A card transaction terminal system operative to initially configure itself to a telephone system of a user and thereafter operate with minimized participation of the user in initializing and subsequently operating the terminal, comprising:

a programmed microcomputer associated with the terminal;

electronic communications circuitry associated with the terminal, said communications circuitry being connected to a telephone line for communicating with a host computer system;

a memory associated with the terminal for storing at least one host telephone number;

said microcomputer being operative to;

(1) cause the communications circuitry to seize the telephone line;

(2) dial a first telephone number associated with a first host system;

(3) detect whether said first host system is connected in response to dialing said first telephone number associated with said first host system;

(4) in response to detection that said first host system is not connected in response to dialing said first telephone number, dial a modified telephone number associated with said first host system;

(5) detect whether said first host system is connected in response to dialing of said modified telephone number associated with the first host system;

(6) store an access flag indicative of whether the first host system was connected in response to dialing of said first telephone number associated with said first host system or said modified telephone number associated with said first host system; and

(7) corresponding to the state of said access flag, automatically utilize, in connection with a second host system, either a second host telephone number associated with said second host system or a modified host telephone number associated with said second host system for subsequent communications,

whereby the transaction terminal is automatically operative to contact the first host system, configure itself to the telephone system of a user, and utilize either the second host telephone number associated with the second host system or the second modified host telephone number associated with the second host system when communicating transactions to the second host system.

8. The system of claim 7, wherein said first host system is a download host system and said second host system is a transaction host system.

9. The system of claim 7, wherein said first and said second host systems are the same.

10. The method of claim 7, wherein said modified telephone number associated with said first host system comprises a predetermined string of additional access characters affixed to said first telephone number associated with said first host system.

11. The method of claim 10, wherein said predetermined string of additional access characters affixed to said first telephone number comprises a "9".

12. The system of claim 7, wherein said second modified host telephone number associated with said second host system comprises a predetermined string of additional access characters affixed to said second host telephone number associated with said second host system.

13. The system of claim 12, wherein said predetermined string of additional access characters affixed to said second host telephone number associated with said second host system comprises a "9".

14. A method for configuring a data communications device to a telephone system, comprising the steps of:

(1) dialing a prestored string of digits including a telephone number associated with a host computer system;

(2) detecting whether the host computer system is connected in response to dialing said prestored string of digits;

(3) in response to detection that the host computer system was not connected in response to dialing of said prestored string of digits, forming a modified string of digits including said telephone number associated with the host computer system;

(4) dialing said modified string of digits;

(5) detecting whether the host computer system is connected in response to dialing of said modified string of digits;

(6) storing an access flag indicative of whether the host computer system was connected in response to dialing of said string of digits or said modified string of digits; and

(7) in response to the state of said access flag, automatically utilizing a second prestored string of digits including a second telephone number associated with a computer system or a second modified string of digits including said second telephone number associated with said computer system for subsequent communications.

15. The method of claim 14, wherein the step of forming a modified string of digits comprises the step of affixing a predetermined string of additional access characters to said prestored string of digits including said telephone number associated with the host computer system.

16. The method of claim 14, wherein said prestored string of digits for steps (1) through (6) includes a telephone number of a download configuration host computer system.

17. The method of claim 14, wherein said second prestored string of digits for step (7) includes a telephone number of a transaction communications host computer system.

18. The method of claim 14, wherein the telephone number of said prestored string of digits including a telephone number associated with the host computer system for steps (1) through (6) and the second telephone number of said second prestored string of digits including a telephone number associated with the computer system for step (7) is the same.

19. The method of claim 14, wherein the method is utilized in a card transaction terminal.

20. The method of claim 14, wherein said step of forming a modified string of digits including said telephone number comprises the step of affixing a predetermined string of additional access characters to said telephone number.

21. The method of claim 20, wherein the step of affixing a predetermined string of additional access characters to said telephone number comprises affixing a "9" to the telephone number as a prefix.

22. Apparatus for configuring a data communications device to a telephone system, comprising:

a programmed microcomputer;

a memory for storing at least one telephone number;

data access arrangement circuitry for connection to and communications on said telephone system;

said microcomputer being operative for;

(1) dialing a prestored string of digits including a telephone number associated with a host computer system with said data access arrangement circuitry;

(2) detecting whether the host computer system is connected in response to dialing said prestored string of digits;

(3) in response to detection that the host computer system was not connected in response to dialing of said prestored string of digits, forming a modified string of digits including said telephone number associated with the host computer system;

(4) dialing said modified string of digits with said data access arrangement circuitry;

(5) detecting whether the host computer system is connected in response to dialing of said modified string of digits;

(6) storing an access flag indicative of whether the host computer system was connected in response to dialing of said string of digits or said modified string of digits; and

(7) in response to the state of said access flag, automatically utilizing a second prestored string of digits including a second telephone number associated with a computer system or a second modified string of digits including said second telephone number associated with said computer system for subsequent communications.

23. The apparatus of claim 22, wherein the step of forming a modified string of digits comprises the step of affixing a predetermined string of additional access characters to said prestored string of digits including said telephone number associated with the host computer system.

24. The method of claim 23, wherein the step of affixing a predetermined string of additional access characters to said telephone number comprises affixing a "9" to the telephone number as a prefix.

25. The apparatus of claim 22, wherein said prestored string of digits for steps (1) through (6) includes a telephone number of a download configuration host computer system.

26. The apparatus of claim 25, wherein the microcomputer is operative to execute a download routine in response to detection of a connection to said download host system.

27. The apparatus of claim 22, wherein said second prestored string of digits for step (7) includes a telephone number of a transaction communications host computer system.

28. The apparatus of claim 22, wherein the telephone number of said prestored string of digits including a telephone number associated with the host computer system for steps (1) through (6) and the second telephone number of said second prestored string of digits including a telephone number associated with computer system for step (7) is the same.

29. The apparatus of claim 22, wherein the device is a card transaction terminal.

30. A dialing device operative to adapt itself to a telephone system, comprising:

a programmed microcomputer;

a memory for storing at least one telephone number;

data access arrangement circuitry for connection to and communications on said telephone system;

said microcomputer being operative to;

(a) adapt the device to said telephone system by;

(1) dialing with said data access arrangement circuitry a first string of digits including at least a telephone number stored in said memory;

(2) detecting whether the dialing of said first string of digits was successful;

(3) in response to detection that the dialing of said first string of digits was not successful, dialing with said data access arrangement circuitry a modified string of digits including at least said telephone number stored in said memory; and

(4) storing an access flag indicative of whether the dialing of said first string of digits or said modified string of digits was successful; and

(b) for subsequent communications, dial a second string of digits including at least a second telephone number stored in said memory or a second modified string of digits including at least said second telephone number stored in said memory, as determined by the state of said access flag,

whereby the dialing device, corresponding to the state of the access flag, is operative to configure itself to the telephone system of a user and dial out a stored telephone number or a modified stored telephone number, depending upon the detected characteristics of the telephone system.

31. The dialing device of claim 30, wherein the device is used in a card transaction terminal.

32. The dialing device of claim 30, wherein said at least one telephone number corresponds to a telephone number of a download host system, and wherein said microcomputer is operative to execute a download routine in response to detection of a connection to said download host system.

33. The dialing device of claim 30, wherein said second telephone number corresponds to a telephone number of a transaction host system.

34. The dialing device of claim 30, wherein said memory stores at least two telephone numbers, a first one of said telephone numbers corresponding to a telephone number of a host computer system used for initial configuration of equipment utilizing the device, and a second one of said telephone numbers corresponding to a telephone number of a transaction host computer system used for said subsequent communications.

35. The system of claim 30, wherein said modified string of digits comprises a telephone number stored in said memory plus a predetermined string of additional access characters.

36. The system of claim 35, wherein the predetermined string of additional access characters comprises a "9" affixed as a prefix.

37. A method for initially configuring and thereafter operating a card transaction terminal to minimize the participation of a user of the terminal required to initialize the terminal and subsequently operate the terminal for communication of card transactions to a host system, the transaction terminal including a programmed microcomputer, electronic communications circuitry for communicating with the host system via a telephone line for conducting card transactions, and a memory for storing at least one host telephone number, comprising the steps of:

(1) causing the communications circuitry to seize the telephone line;

(2) dialing a first host telephone number;

(3) detecting whether the host system is connected in response to dialing of said first host telephone number;

(4) in response to detection that the host system is not connected in response to dialing said first host telephone number, affixing a predetermined string of additional access characters to said first host telephone number to form a modified host telephone number;

(5) dialing said modified host telephone number;

(6) detecting whether the host system is connected in response to said dialing of said modified host telephone number;

(7) storing an access flag indicative of whether the host system was connected in response to dialing of said first host telephone number or said modified host telephone number; and

(8) responsive to the state of said access flag, automatically utilizing a second host telephone number or a second host telephone number preceded by said predetermined string of additional access characters for subsequent communications with host system,

whereby the transaction terminal is automatically operative to configure itself to a telephone system of a user, and to utilize either said second host telephone number or said second host telephone number preceded by said predetermined string of additional access characters when contacting the host system for communicating transactions.

38. The method of claim 37, wherein said first host telephone number corresponds to a telephone number of a download configuration host system, and wherein said second host telephone number corresponds to a telephone number of a transactions communications host system.

39. The method of claim 37, further comprising the step of:

executing a download configuration routine in response to detection of connection to said download configuration host system, wherein the transaction terminal receives transaction data required for proper operation of the terminal.

40. The method of claim 37, wherein said first host telephone number and said second host telephone number are the same.

41. The method of claim 37, wherein said predetermined string of additional access characters comprises a "9".

43. The method of claim 40, wherein said configuration routine comprises a download configuration routine wherein the transaction terminal receives transaction related data required for proper operation of the terminal.

42. A method for initially configuring and thereafter operating a card transaction terminal to minimize the participation of a user of the terminal required to initialize the terminal and subsequently operate the terminal for communication of card transactions to a host computer system, the transaction terminal including a programmed microcomputer, electronic communication circuitry for communicating with the host computer system via a telephone line for conducting card transactions, and a memory for storing at least one host telephone number, comprising the steps of:

(1) causing the communications circuitry to seize the telephone line;

(2) dialing a first host telephone number;

(3) detecting whether the host computer system is connected in response to dialing said first host telephone number;

(4) executing a configuration routine in response to detection of connection to the host computer system;

(5) in response to detection that the host computer system is not connected in response to dialing said first host telephone number, affixing a predetermined string of additional access characters to said first host telephone number to form a modified host telephone number;

(6) dialing said modified host telephone number;

(7) detecting whether the host computer system is connected in response to dialing said modified host telephone number;

(8) executing said configuration routine in response to detection of connection to the host computer system;

(9) storing an access flag indicative of whether the host computer system was connected in response to dialing of said first host telephone number or said modified host telephone number; and

(10) responsive to the state of said access flag automatically utilizing either a second host telephone number or a second host telephone number preceded by said predetermined string of additional access characters for subsequent communications,

whereby the transaction terminal is automatically operative to contact a computer system, configure itself to a telephone system of a user, and to utilize either a second host telephone number or a second host telephone number preceded by said predetermined string of additional access characters when communicating transactions to host the computer system associated with said second host telephone number.

44. The method of claim 42, wherein said first host telephone number corresponds to a telephone number of a configuration host computer system, and wherein said second host telephone number corresponds to a telephone number of a transactions communications host computer system.

45. The method of claim 42, wherein said first host telephone number and said second host telephone number are the same.

46. The method of claim 42, wherein said predetermined string of additional access characters comprises a "9".

47. A card transaction terminal system operative to initially configure itself and thereafter operate, with minimized participation of a user for initializing the terminal and subsequently operating the terminal for communication of card transactions to a host computer system, comprising:

a programmed microcomputer associated with the terminal;

electronic communication circuitry associated with the terminal for communicating with the host computer system via a telephone line for conducting card transactions;

memory means associated with the terminal for storing at least one host telephone number;

said microcomputer being operative to;

(1) cause said communication circuitry to seize the telephone line;

(2) dial a first host telephone number;

(3) detect whether the host computer system is connected in response to dialing of said first host telephone number;

(4) in response to detection that the host computer system is not connected in response to dialing said first host telephone number, affix a predetermined string of additional access characters to said first host telephone number to form a modified host telephone number;

(5) dial said modified host telephone number;

(6) detect whether the host system is connected in response to dialing of said modified host telephone number;

(7) store an access flag indicative of whether the host system was connected in response to dialing of said first host telephone number or said modified host telephone number; and

(8) responsive to the state of said access flag, automatically utilize either a second host telephone number or a second host telephone number preceded by said predetermined string of additional access characters for subsequent communications,

whereby the transaction terminal is automatically operative to contact a computer system, configure itself to a telephone system of a user, and utilize either a second host telephone number or a second host telephone number preceded by said predetermined string of additional access characters when communicating transactions to the host computer system.

48. The system of claim 47, wherein said first host telephone number corresponds to a telephone number of a download configuration host system, and wherein said second host telephone number corresponds to a telephone number of a transactions communications host computer system.

49. The system of claim 48, wherein said microcomputer is operative to execute a download configuration routine in response to detection of connection to the host system.

50. The system of claim 47, wherein said first host telephone number and said second host telephone number are the same.

51. The system of claim 47, wherein said predetermined string of additional access characters comprises a "9".