Unattended POS system for automatic control of bank system rejections
First Claim
1. A point-of-sale (POS) system for processing a sales transaction and a vending operation initiated by a data card at an unattended point-of-sale device:
- a card reader including a hot list, said card reader designed to read data from said data card, to determine a type of data card being used, to compare the read data with said hot list, and to produce a hot list status indication of the read data; and
a network controller designed to be communicatively coupled to said card reader and to process said sales transaction and said vending operation according to both said type of data card and said hot list status indication wherein said hot list comprises new and old entries and wherein said new entries become designated as old entries at a predetermined time.
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Accused Products
Abstract
An automatic process for use in point-of-sale credit card or debit card systems for taking corrective action based on information returned from the banking system and/or the point-of-sale system. The automatic process replaces the human clerk as the interface in control of action by the point-of-sale device enabling unattended operation. The automatic process includes the maintenance of a hot list for denying use of repeatedly rejected cards, stopping the automatic operation if the banking system denies point-of-sale device access, and allows for local proprietary cards to be used independent of the banking system.
184 Citations
54 Claims
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1. A point-of-sale (POS) system for processing a sales transaction and a vending operation initiated by a data card at an unattended point-of-sale device:
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a card reader including a hot list, said card reader designed to read data from said data card, to determine a type of data card being used, to compare the read data with said hot list, and to produce a hot list status indication of the read data; and a network controller designed to be communicatively coupled to said card reader and to process said sales transaction and said vending operation according to both said type of data card and said hot list status indication wherein said hot list comprises new and old entries and wherein said new entries become designated as old entries at a predetermined time. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A method for processing a sales transaction and vending operation initiated by a data card at an unattended point-of-sale device, comprising the steps of:
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reading data from said data card; determining type of data card being used; comparing the read data with a hot list that comprises new and old entries; producing a hot list status indication of the read data from the read data with hot list comparison; processing said sales transaction and said vending operation according to both said type of data card and said hot list status indication; and designating said new entries as old entries at a predetermined time. - View Dependent Claims (22, 23, 24, 25, 26)
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27. A point-of-sale (POS) system for processing a sales transaction and a vending operation initiated by a data card at an unattended point-of-sale device, wherein said data card may be one of two types, comprising:
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a card reader including a hot list, said card reader designed to read data from said data card, to determine which of the two types of data cards being used, to compare the read data with said hot list, and to produce a hot list status indication of the read data from the read data with hot list comparison; and a network controller designed to be communicatively coupled to said card reader, to submit said sales transaction to an outside source for approval upon notification from said card reader of the first type of data card and an acceptable hot list status indication, and to process approval of said sales transaction itself upon notification from said card reader of the second type of data card and said acceptable hot list status indication, wherein said hot list comprises new and old entries and, wherein said new entries become designated as old entries at a predetermined time. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46)
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47. A method for processing a sales transaction and vending operation initiated by a data card at an unattended point-of-sale device, wherein said data card may be one of two types, comprising the steps of:
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reading data from said data card; determining which one of the two types of data cards is being used; comparing said read data with a hot list that comprises new and old entries; producing a hot list status indication of the read data from the read data with hot list comparison; and processing approval of said sales transaction whereby said sales transaction is submitted to an outside source for approval when both a first type of data card is determined and an acceptable hot list status indication is produced, and whereby said sales transaction is submitted to an internal source for approval when both a second type of data card is determined and said acceptable hot list status indication is produced; and designating said new entries as old entries at a predetermined time. - View Dependent Claims (48, 49, 50, 51)
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52. A point-of-sale (POS) system for processing a sales transaction and a vending operation initiated by a data card at an unattended point-of-sale device, comprising:
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a card reader including a hot list, said card reader designed to read a data card, determine if said data card is an acceptable proprietary card from the read data, compare the read data with said hot list, and produce a hot list status indication of the read data; and a network controller having internal processing parameters, said network controller designed to be communicatively coupled to said card reader and to process said sales transaction and said vending operation according to said internal processing parameters and said hot list status indication, wherein said hot list comprises new and old entries and, wherein said new entries become designated as old entries at a predetermined time. - View Dependent Claims (53, 54)
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Specification