Apparatus and method for batch processing of wireless financial transactions

• US 5,870,722 A
• Filed: 09/22/1995
• Issued: 02/09/1999
• Est. Priority Date: 09/22/1995
• Status: Expired due to Term

• Current Assignee: AT&T Mobility II LLC (AT&T, Inc.)
• Original Assignee: AT&T Wireless Services Incorporated (AT&T, Inc.)
• Inventors: Schramke, Stephen R., Albert, Herb H., Renton, Paul A.
• Primary Examiner(s): Hayes, Gail O.
• Assistant Examiner(s): Alvarez, Raquel
• Application Number:
  US08/532,080
• Time in Patent Office: 1,236 Days
• Field of Search: 395/216, 395/221, 395/239, 395/241, 395/244, 705/16, 705/21, 705/39, 705/41, 705/44
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02

Abstract

Disclosed are methods for providing electronic settlement of authorized financial transactions via a wireless transmission system. A conventional financial transaction processing point-of-sale terminal is connected to a wireless adapter. The wireless adapter is connected to a wireless transmission system, through which the adapter can communicate with a host computer. Transaction authorizations are processed via the wireless adapter, wireless transmission system and the host computer. A main transaction database is maintained by the host computer, and the adapter maintains a database of transactions which have been authorized but not yet settled. When the terminal initiates a settlement procedure, the adapter and the terminal communicate so that the adapter collects from the terminal all the transactions which are to be settled before initiating the settlement procedure with the host computer. The adapter compresses the data blocks which carry the settlement information by using its local database prior to sending these blocks to the host computer. If no change was made to the authorized transaction (e.g., no tip was added) then the adapter only needs to send the database index code and minimal other information in order to post the transaction. If a change was made to the transaction, then the adapter sends the database index code and a small block of data which updates the transaction.

Claims

1. An adapter for providing settlement batch processing when a conventional financial transaction point-of-sale terminal is used with a host computer that sends an authorization reply, in response to a request for a financial transaction, via a wireless transmission system, the adapter comprising:

a receiver that receives the authorization reply from the host computer;

a first memory that includes a database which stores at least a portion of the authorization reply;

a processor electrically connected to said first memory, said processor being programmed to;

(1) collect a batch record, relating to an authorized transaction, from the terminal; and

(2) locate in said database the stored portion of the authorization reply;

a compression circuit that compresses the batch record, relating to an authorized transaction, into a compressed data block based on the stored portion of the authorization reply; and

a transmitter that transmits the compressed data block to the host computer.

2. The adapter of claim 1 wherein the database includes a database index code stored therein.

3. The adapter of claim 2 wherein said compression circuit compresses said batch record by storing in the compressed data block said database index code read from the database.

4. The adapter of claim 1 wherein the database includes a batch record check code.

5. The adapter of claim 4 wherein said compression circuit recognizes changes in an authorized transaction in the batch record using said batch record check code stored in the database.

6. The adapter of claim 1 wherein said compression circuit stores in said compressed data block an opcode indicative of a changed authorized transaction, a database index code and information indicative of changes made to said authorized transaction.

7. The adapter of claim 1 wherein said compression circuit stores in said compressed data block more than one compressed batch record.

8. A method of performing a settlement batch process when a conventional financial transaction point-of-sale terminal is used with a host computer via a wireless transmission system, the method comprising the steps of:

receiving in an adapter an authorization reply relating to a request for a financial transaction from the host computer;

storing at least a portion of the authorization reply in a database of a memory of the adapter;

collecting with a processor electrically connected with the memory a batch record, relating to an authorized transaction, from the terminal;

locating in the database with the processor the stored portion of the authorization reply relating to the request for a financial transaction;

compressing the batch record, relating to an authorized transaction, using a compression circuit of the adaptor into a compressed data block based on the stored portion of the authorization reply; and

transmitting the compressed data block to the host computer.

9. The method of claim 8 wherein said step of storing at least a portion of the authorization reply in the database includes the step of storing a database index code in the database.

10. The method of claim 9 wherein said step of compressing the batch record includes the step of storing in the compressed data block the database index code read from the database.

11. The method of claim 8 wherein said step of storing at least a portion of the authorization reply in the database includes the step of storing a batch record check code in the database.

12. The method of claim 11 wherein said step of compressing the batch record includes the step of recognizing changes in an authorized transaction in the batch record using the batch record check code stored in the database.

13. The method of claim 10 wherein said step of compressing the batch record includes the step of storing in the compressed record an opcode indicative of a changed authorized transaction, a database index code and information indicative of the changes made to the authorized transaction.

14. The method of claim 8 wherein said step of transmitting the compressed data block further includes the step of encapsulating the compressed data block.