DE69112234D1 - Internationales Autorisierungssystem. - Google Patents

Internationales Autorisierungssystem.

Info

Publication number
DE69112234D1
DE69112234D1 DE69112234T DE69112234T DE69112234D1 DE 69112234 D1 DE69112234 D1 DE 69112234D1 DE 69112234 T DE69112234 T DE 69112234T DE 69112234 T DE69112234 T DE 69112234T DE 69112234 D1 DE69112234 D1 DE 69112234D1
Authority
DE
Germany
Prior art keywords
merchant
issuer
switch
transaction
call
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime
Application number
DE69112234T
Other languages
English (en)
Other versions
DE69112234T2 (de
Inventor
George Tejada
Farzad Naimi
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa International Service Association
Original Assignee
Visa International Service Association
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US07/614,081 external-priority patent/US5136633A/en
Application filed by Visa International Service Association filed Critical Visa International Service Association
Application granted granted Critical
Publication of DE69112234D1 publication Critical patent/DE69112234D1/de
Publication of DE69112234T2 publication Critical patent/DE69112234T2/de
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
    • H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2203/00—Aspects of automatic or semi-automatic exchanges
    • H04M2203/20—Aspects of automatic or semi-automatic exchanges related to features of supplementary services
    • H04M2203/2061—Language aspects
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2242/00—Special services or facilities
    • H04M2242/22—Automatic class or number identification arrangements
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/42025—Calling or Called party identification service
    • H04M3/42085—Called party identification service
    • H04M3/42102—Making use of the called party identifier
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M7/00—Arrangements for interconnection between switching centres
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04Q—SELECTING
    • H04Q3/00—Selecting arrangements
    • H04Q3/72—Finding out and indicating number of calling subscriber

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Signal Processing (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Apparatus For Radiation Diagnosis (AREA)
  • Vehicle Body Suspensions (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Optical Communication System (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Telephonic Communication Services (AREA)
DE69112234T 1990-01-30 1991-01-17 Internationales Autorisierungssystem. Expired - Lifetime DE69112234T2 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US47231790A 1990-01-30 1990-01-30
US07/614,081 US5136633A (en) 1990-01-30 1990-11-13 International authorization system

Publications (2)

Publication Number Publication Date
DE69112234D1 true DE69112234D1 (de) 1995-09-28
DE69112234T2 DE69112234T2 (de) 1996-04-04

Family

ID=27043722

Family Applications (1)

Application Number Title Priority Date Filing Date
DE69112234T Expired - Lifetime DE69112234T2 (de) 1990-01-30 1991-01-17 Internationales Autorisierungssystem.

Country Status (9)

Country Link
EP (1) EP0440515B1 (de)
JP (1) JP2866210B2 (de)
AT (1) ATE126913T1 (de)
AU (1) AU631715B2 (de)
CA (1) CA2034711C (de)
DE (1) DE69112234T2 (de)
DK (1) DK0440515T3 (de)
ES (1) ES2076482T3 (de)
GR (1) GR3017724T3 (de)

Families Citing this family (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5222125A (en) * 1991-09-03 1993-06-22 At&T Bell Laboratories System for providing personalized telephone calling features
US5392343A (en) * 1992-11-10 1995-02-21 At&T Corp. On demand language interpretation in a telecommunications system
RU2116008C1 (ru) * 1992-11-11 1998-07-20 Телеком Финланд Ой Система подвижной телефонной связи, способ оплаты с терминального оборудования подвижной телефонной станции и система для осуществления способа
US5475756A (en) * 1994-02-17 1995-12-12 At&T Corp. Method of authenticating a terminal in a transaction execution system
US5696909A (en) * 1995-01-27 1997-12-09 Hypercom, Inc. Virtual POS terminal
FI99071C (fi) 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Menetelmä sovellusten käyttämiseksi matkaviestimessä ja matkaviestin
CA2258648A1 (en) * 1996-06-17 1997-12-24 Verifone, Inc. A system, method and article of manufacture for managing transactions in a high availability system
FR2750275B1 (fr) * 1996-06-21 1998-07-17 France Telecom Procede de gestion dans un systeme telematique distribue et systeme de mise en oeuvre de ce procede
US6119103A (en) 1997-05-27 2000-09-12 Visa International Service Association Financial risk prediction systems and methods therefor
US6018723A (en) * 1997-05-27 2000-01-25 Visa International Service Association Method and apparatus for pattern generation
SE518098C2 (sv) * 1997-11-04 2002-08-27 Ericsson Telefon Ab L M Intelligent nät
EP0973312A1 (de) * 1998-07-11 2000-01-19 Matthias Stöffler Verfahren und Vorrichtung zur Simultanübersetzung von Telefongesprächen
WO2000018088A1 (en) * 1998-09-18 2000-03-30 Dial A Payment, Inc. Telephonic transaction system
US6999943B1 (en) 2000-03-10 2006-02-14 Doublecredit.Com, Inc. Routing methods and systems for increasing payment transaction volume and profitability
US7143069B2 (en) * 2001-05-25 2006-11-28 American Express Travel Related Services Co. System and method for interactive secure dialog between card holder and issuer

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4485300A (en) * 1982-03-18 1984-11-27 Visa U.S.A., Inc. Loss control system
JPS59154572A (ja) * 1983-02-23 1984-09-03 Omron Tateisi Electronics Co 取引決済装置
JPS59174972A (ja) * 1983-03-24 1984-10-03 Omron Tateisi Electronics Co カ−ド認証機
NL8400973A (nl) * 1983-04-28 1984-11-16 Visa Int Service Ass Audiotransactiepost met wisselwerking.
US4734564A (en) * 1985-05-02 1988-03-29 Visa International Service Association Transaction system with off-line risk assessment
JPS61189644U (de) * 1985-05-17 1986-11-26
GB8522427D0 (en) * 1985-09-10 1985-10-16 Plessey Co Plc Credit transaction arrangments
US4870259A (en) * 1987-01-06 1989-09-26 Visa International Service Association Transaction approval system
US4885300A (en) * 1988-03-03 1989-12-05 Ortho Pharmaceutical Corporation 4-Substituted pyrazolo[3,4-D]pyrimidine derivatives
US5136633A (en) 1990-01-30 1992-08-04 Visa International Service Association International authorization system

Also Published As

Publication number Publication date
JPH04213161A (ja) 1992-08-04
EP0440515B1 (de) 1995-08-23
EP0440515A1 (de) 1991-08-07
DK0440515T3 (da) 1995-10-30
DE69112234T2 (de) 1996-04-04
ATE126913T1 (de) 1995-09-15
GR3017724T3 (en) 1996-01-31
JP2866210B2 (ja) 1999-03-08
CA2034711A1 (en) 1991-07-31
AU6994791A (en) 1991-08-01
CA2034711C (en) 1999-03-16
ES2076482T3 (es) 1995-11-01
AU631715B2 (en) 1992-12-03

Similar Documents

Publication Publication Date Title
DE69112234D1 (de) Internationales Autorisierungssystem.
US5136633A (en) International authorization system
US5136632A (en) Telephone service payment system using a sound emitting token
CA2192310C (en) Pre-paid card system and method
US5999596A (en) Method and system for controlling authorization of credit card transactions
US5991381A (en) Method and apparatus for providing telephone calling card validation over a computer network
US5511114A (en) Telephone pre-paid calling card system and method
JP4467309B2 (ja) 電気通信ネットワークを介したキャッシュレス取引の方法及び装置
EP0116970A2 (de) Elektronische Registrierkasse
NO20003971D0 (no) System og fremgangsmÕte for fjernbetalinger og transaksjoner i sanntid ved hjelp av mobiltelefon
DK0951774T3 (da) Fremgangsmåde og anlæg til overføring af ordrer i et telekommunikationsanlæg
WO2000059185A1 (en) Method and system for transferring telecommunication-time units among accounts and exchanging same for goods and services
US5619559A (en) Financial card authorization system
HU223427B1 (hu) Eljárás bankkártya vagy más, bankszámla fölött rendelkezési jogot adó eszköz felhasználása jogosságának biztosítására
MX9801090A (es) Tecnologia de transferencia de captura de lector personal.
DE69015543T2 (de) Geldüberweisungssystem.
US6830178B2 (en) Combination bank/phone card and method
EP0873660A1 (de) System fur zahlungstransaktionen zwischen speicherkarten
CA2368577C (en) A method of conducting financial transactions
WO2003036576A3 (en) Method and system of additional securing of payment card payments
EP0618539A4 (de) Verfahren zur beschaffung einer kreditleistung unter benutzung von telefonleitungen.
JPH08279007A (ja) クレジットカードの与信情報照会管理システム及び自動決済システム
KR19990065000A (ko) 신용카드 조회기의 데이터 무선 전송방법
EA199600046A1 (ru) Финансовая система безналичных платежей
EP1298613A3 (de) Verfahren zum Abwickeln von Zahlungstransaktionen in einem Datennetz

Legal Events

Date Code Title Description
8364 No opposition during term of opposition