Apparatus and method for optimizing wireless financial transactions

• US 5,907,801 A
• Filed: 09/22/1995
• Issued: 05/25/1999
• Est. Priority Date: 09/22/1995
• Status: Expired due to Term

• Current Assignee: Chanyu Holdings LLC (Intellectual Ventures LLC)
• Original Assignee: AT&T Wireless Services Incorporated (AT&T, Inc.)
• Inventors: Schramke, Stephen R., Albert, Herb H., Renton, Paul A.
• Primary Examiner(s): Kuntz, Curtis A.
• Assistant Examiner(s): LEGREE, TRACY MICHELLE
• Application Number:
  US08/532,079
• Time in Patent Office: 1,341 Days
• Field of Search: 455/406-409, 455/403, 455/466, 455/557, 379/91.01, 379/93.01, 379/93.05, 379/93.06, 379/93.08, 379/93.12, 379/90.01, 340/825.33, 340/825.34, 340/825.31, 395/218, 395/216, 395/242-244, 395/235, 395/226, 370/477, 370/465, 370/466
• US Class Current: 455/406
• 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 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: H04L 1/1607 Details of the supervisory signal
• CPC Class Codes: H04L 69/04 Protocols for data compression, e.g. ROHC
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04W 28/06 Optimizing the usage of the radio link, e.g. header compression, information sizing , discarding information system modifying transmission characteristic according to link quality by modifying frame length H04L1/0007; dynamic adaptation of the packet size for flow control or congestion control H04L47/365
• CPC Class Codes: H04W 4/18 Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 80/04 Network layer protocols, e.g. mobile IP [Internet Protocol]

Abstract

Disclosed are methods for optimizing financial transaction processing when a conventional financial transaction processing terminal is used with a wireless transmission system. An adapter is used between the terminal and a wireless modem, such as a CDPD wireless modem. The adapter receives from the terminal a data block from which the adapter recovers the requested type of transaction and relevant information about the transaction, such as a credit card number, transaction amount, etc., and formats all transactions into a common format for transaction processing. The common format includes a check code which may be used to detect changes made to the original data block as received from the terminal. The adapter then compresses the common format for wireless transmission. The goal of the use of the common format and the data compression is to fit the transaction request into a single data packet. A host computer receives the data packet, recovers the compressed common format and de-compresses the compressed common format to recover the common format. The common format may then be converted back to the original data block, as it was received from the terminal. The check code may be used to detect errors in compression, transmission and de-compression of the data block. The host computer processes the requested financial transaction and transmits a reply to the terminal, via the wireless modem and the adapter.

Claims

1. An adapter which optimizes a financial transaction processed via a wireless transmission system by reducing the number of transmitted data packets, the transaction being generated by a financial transaction processing terminal that sends a data block indicative of a requested financial transaction, said adapter comprising:

a receiver that receives the data block indicative of a requested financial transaction from the terminal;

an identification circuit that identifies the data block received by said receiver as one of a set of types of financial transactions;

a conversion circuit that performs a conversion of the data block into a common transmission data block, the conversion being based on the set of types of financial transactions identified by said identification circuit, wherein all of the types of financial transactions use a common transmission data block format;

a compression circuit that compresses the common transmission data block into a compressed data block; and

a transmitter that transmits the compressed data block via a connectionless protocol, via the wireless transmission system.

2. The adapter of claim 1 wherein a portion of the wireless transmission system comprises the Cellular Digital Packet Data (CDPD) network.

3. The adapter of claim 1 wherein said receiver comprises a phone line connector coupled to said financial transaction processing terminal, a phone line interface and an audio-frequency modem coupled to said phone line interface.

4. The adapter of claim 1 wherein said transmitter utilizes a User Datagram Protocol (UDP).

5. The adapter of claim 1 wherein said transmitter utilizes a Connectionless Network Protocol (CNLP).

6. A method for optimizing a financial transaction processed via a wireless transmission system by reducing the number of transmitted data packets, the transaction being generated by a financial transaction processing terminal that sends a data block indicative of a requested financial transaction, said method comprising the steps of:

receiving a data block indicative of a particular financial transaction from the conventional financial transaction processing terminal;

identifying the data block indicative of the particular financial transaction as one of a set of types of financial transactions;

converting the data block into a common transmission data block, said converting of the data block being based on the identified type of financial transaction, such that all of the types of financial transactions use the common transmission data block format;

compressing the common transmission data block into a compressed transmission data block, such as to use a minimum of data transmission packets; and

transmitting the compressed transmission data block using a connectionless protocol, via the wireless transmission system.

7. The method of claim 6 wherein said step of receiving a data block indicative of a particular financial transaction from the terminal includes the step of establishing a modem connection with the terminal with an audio-frequency modem.

8. The method of claim 6 wherein said step of transmitting the compressed transmission data block using a connectionless protocol includes the step of encapsulating the compressed transmission data block in a UDP datagram.

9. The method of claim 6 wherein said step of transmitting the compressed transmission data block using a connectionless protocol includes the step of transmitting the transmission data block using a CNLP protocol.

10. A method of error detection in a conversion and wireless transmission of a data block indicative of a particular financial transaction, said method comprising the steps of:

receiving the data block indicative of a particular financial transaction;

identifying the data block indicative of a particular financial transaction as one of a set of types of financial transactions;

computing a check code on the received data block indicative of a particular financial transaction;

converting the data block of the identified type of financial transaction into a common transmission data block, such that all of the types of financial transactions use a common transmission data block format;

including in a field of the common transmission data block the computed check code for the received data block indicative of a particular financial transaction;

transmitting the common transmission data block via a wireless transmission system;

receiving the common transmission data block via a wireless transmission system;

re-converting the common transmission data block into a recovered copy of the received data block indicative of the particular financial transaction;

calculating a check code on the recovered copy of the received data block indicative of a particular financial transaction; and

comparing the check code calculated on the received data block against the check code included in the field of the common transmission data block and thereby detecting an error if the check code calculated on the received data block does not match the check code included in the field.

11. The method of claim 10 wherein the check code calculated comprises a Cyclic Redundancy Check (CRC) code.

12. The method of claim 10 wherein said step of transmitting the common transmission data block includes the step of encapsulating the common transmission data block in a connectionless protocol datagram.

13. The method of claim 12 wherein the connectionless protocol datagram comprises a UDP datagram.

14. The method of claim 10 wherein said step of transmitting the common transmission data block includes the step of transmitting the common transmission data block using CNLP.

15. The method of claim 10 wherein said step of transmitting the common transmission data block further includes the step of compressing the common data block into a compressed data block, and wherein said step of receiving the common transmission data block further includes the step of expanding the compressed data block into the common data block.

16. The method of claim 15 wherein said step of transmitting the common transmission data block further includes the step of encapsulating the compressed data block in a connectionless protocol datagram.

17. The method of claim 16 wherein the connectionless protocol datagram comprises a UDP datagram.

18. The method of claim 15 wherein said step of transmitting the common transmission data block includes the step of transmitting the common transmission data block using CNLP.