Processing of transaction data

• US 6,029,152 A
• Filed: 06/29/1998
• Issued: 02/22/2000
• Est. Priority Date: 06/27/1997
• Status: Expired due to Fees

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Newth, Adam R., Bublitz, Hermann
• Primary Examiner(s): Voeltz, Emanuel Todd
• Assistant Examiner(s): GROUTT, PHILLIP J
• Application Number:
  US09/106,428
• Time in Patent Office: 603 Days
• Field of Search: 705/40, 705/17, 705/26, 705/39, 705/44
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• 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

The invention relates to a procedure for processing data, especially transaction data, in an electronic payment system, whereby the electronic payment system includes a minimum of one payment terminal, a collections device and a transaction system. During the procedure, a data record is generated with header data (1), a payment transaction is executed by the minimum of one payment terminal (2), information concerning the payment transaction is stored in the data record (3), the data record is flagged as a shadow data record (6), and an additional data record with additional header data is generated (7), whereby the additional data record is generated before a further payment transaction (8) begins.

Claims

1. A procedure for the processing of data, especially of electronic data, in an electronic payment system, whereby the electronic payment system included at least one payment terminal, a collections device and a transactions system,

characterized by the following process steps:

a) generation of a data record (1) which includes header data,

b) execution of a payment transaction (2) by means of the minimum of one payment terminal,

c) storage of information (3) concerning the payment transaction in the data record,

d) flagging the data record (6) as a shadow data record,

e) generation of an additional data record (7) which includes additional header data, whereby the additional data record is generated before a further payment transaction begins (8).

2. A procedure in accordance with claim 1, characterized by the additional process steps:

polling of the total information of the shadow data record by the collection entity, whereby the total information contains the header data and the stored information concerning the payment transaction,

transmission of the total information of the shadow data record (13) to the payment entity,

review of the total information by the payment entity,

sending a confirmation (11) of the receipt of the total information by the payment entity to the payment terminal, and

deletion of the shadow data record (12).

3. A procedure in accordance with claim 2, characterized in that the deletion of the shadow data record (12) is executed after confirmation is received from the payment terminal that the collection entity has received the total information.

4. A procedure in accordance with claim 2, characterized in that the deletion of the shadow data record (15) is executed after confirmation is received from the payment terminal that, during the review, the payment entity has established that the total information from the shadow data record is correct.

5. A procedure in accordance with claim 2, characterized in that security-relevant functions are utilized by the payment entity during the review of the total information of the shadow data record, whereby the security-relevant functions are made available by a security module of the payment entity.

6. A procedure in accordance with claim 1, characterized by the additional process steps:

execution of an additional payment transaction (8) by means of the minimum of one payment terminal,

storage of information (9) concerning the additional payment transaction Ln the additional data record, and

flagging the additional data record as an additional shadow data record.

7. A procedure in accordance with claim 6, characterized in that the total information of several shadow data records is polled by the collection entity simultaneously and the specific total information is reviewed by the payment entity.

8. A procedure in accordance with claim 6, characterized in that the collection entity and the payment entity are arranged as parts of a network and that the polling of the total information of the shadow data record by the collection entity and the transfer of the total information of the shadow data record to the payment entity is executed by means of the network.

9. A procedure in accordance with claim 1, whereby the flagging of the data record as a shadow data record and/or the flagging of the additional data record as an additional shadow data record is executed by means of the header data or the additional header data.

10. A procedure in accordance with claim 1, characterized in that information concerning a minimum of two payment transactions is stored in each case in the data record and/or in the additional data record.

11. A procedure in accordance with claim 1, characterized in that a chip card with a stored amount of money is utilized during the payment transaction and/or the additional payment transaction by means of the minimum of one payment terminal.