Portable credit card terminal interface

• US 5,408,513 A
• Filed: 09/24/1993
• Issued: 04/18/1995
• Est. Priority Date: 09/24/1993
• Status: Expired due to Fees

• Current Assignee: Charles Busch III, Charles Busch Jr
• Original Assignee: Charles Busch III, Charles Busch Jr
• Inventors: Busch, Charles Jr., Busch, Charles III
• Primary Examiner(s): Kuntz, Curtis
• Assistant Examiner(s): Bost, Dwayne D.
• Application Number:
  US08/127,001
• Time in Patent Office: 571 Days
• Field of Search: 379/58, 379/59, 379/91, 379/144, 379/357, 455/126, 455/127, 455/343
• US Class Current: 455/558
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/343 Cards including a counter
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04L 12/10 Current supply arrangements
• CPC Class Codes: H04M 11/00 Telephonic communication systems specially adapted for combination with other electrical systems

Abstract

A portable credit card terminal interface is disclosed for verifying credit information. The portable credit card terminal interface is adapted to be removably connected to a credit card terminal and to a telephone station. The credit card terminal interface includes a D/C power storage device and converter for converting D/C power from the storage device into A/C power. The device also is capable of for transmitting A/C power from the converter to the credit card terminal and detecting financial information signals representing credit and transaction information. The device further includes a first circuit for receiving from the credit card terminal the financial information signals and a second circuit for receiving from the telephone station verification signals representing verification information from a host computer. Finally, the device includes a control circuit for controlling the converter as well as for controlling both the first circuit and the second circuit means. The control circuit controls the first circuit to route the financial information signals from the credit card terminal to the telephone station and routes. The control circuit controls the second circuit to route the verification signals from the telephone station to the credit card terminal.

Claims

1. A portable credit card terminal interface for verifying credit information, the portable credit card terminal interface removably connected to a credit card terminal and to a telephone station, the credit card terminal interface comprising:

a D/C power storage device;

means for converting D/C power from the storage device into A/C power;

means for transmitting A/C power from the means for converting to the credit card terminal;

means for detecting financial information signals representing credit and transaction information;

first circuit means for receiving from the credit card terminal said financial information signals;

second circuit means for receiving from the telephone station verification signals representing verification information from a host computer; and

control circuit for controlling the means for converting, the control circuit also controlling the first circuit means to route the financial information signals from the credit card terminal to the telephone station, the control circuit also controlling the second circuit means to route the verification signals from the telephone station to the credit card terminal,

wherein, the credit card terminal interface is connected to an auxiliary power storage device; and

wherein, the means for converting includes;

means for determining that the portable credit card terminal interface is connected to the auxiliary power storage device; and

means for receiving power from the auxiliary power storage device.

2. The portable credit card terminal interface of claim 1 wherein the telephone station is a cellular telephone station.

3. The portable credit card terminal interface of claim 1 wherein the telephone station includes a handset, the credit card terminal interface being removably connectable to the handset by an acoustic coupler.

4. The portable credit card terminal interface of claim 1 wherein telephone station includes a detachable handset and a base unit, the credit card terminal interface being removably connected to both the detachable handset and the base unit.

5. The portable credit card terminal interface of claim 1 further including means for providing an audible signal indicating a completed transaction.

6. The portable credit card terminal interface of claim 1 further including means for providing a visual signal indicating a completed transaction.

7. The portable credit card terminal interface of claim 1 further being removably connected to the auxiliary power storage device.

8. A credit verification interface kit including:

a portable credit card terminal interface for verifying credit information, the portable credit card terminal interface removably connected to a credit card terminal and to a telephone station, the credit card terminal interface comprising;

a D/C power storage device;

means for converting D/C power from the storage device into A/C power;

means for transmitting A/C power from the means for converting to the credit card terminal;

means for detecting financial information signals representing credit and transaction information;

first circuit means for receiving from the credit card terminal said financial information signals;

second circuit means for receiving from the telephone station verification signals representing verification information from a host computer; and

control circuit for controlling the means for converting, the control circuit also controlling the first circuit means to route the financial information signals from the credit card terminal to the telephone station, the control circuit also controlling the second circuit means to route the verification signals from the telephone station to the credit card terminal;

wherein, the credit card terminal interface is connected to an auxiliary power storage device;

a transformer connected to an A/C power source to convert A/C power to D/C power for charging the D/C power storage device of the portable credit card terminal interface;

wherein, the credit card terminal interface further includes;

means for connecting the credit card terminal to the portable credit card terminal interface; and

means for connecting the telephone station to the portable credit card terminal interface.

9. The credit verification kit of claim 8 wherein the means for connecting the telephone station to the portable credit card terminal interface is a data cable.

10. The credit verification kit of claim 8 wherein the means for connecting the telephone station to the portable credit card terminal interface is an acoustic coupler.