EP1240610A4 - Transaction processing using intermediate server architecture - Google Patents
Transaction processing using intermediate server architectureInfo
- Publication number
- EP1240610A4 EP1240610A4 EP00982148A EP00982148A EP1240610A4 EP 1240610 A4 EP1240610 A4 EP 1240610A4 EP 00982148 A EP00982148 A EP 00982148A EP 00982148 A EP00982148 A EP 00982148A EP 1240610 A4 EP1240610 A4 EP 1240610A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- transaction
- server
- information
- format
- terminal
- 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.)
- Withdrawn
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
Definitions
- the present invention relates to transaction processing.
- transactions may be non-financial.
- terminals may be used by patrolmen to check in, producing evidence of their having been in the required place at the required time. Terminals may also be used in the healthcare industry, for example, to produce a record of what medical personnel have attended a patient at what times, or for myriad other purposes.
- Transaction processing is used generally herein to refer to the use of a transaction terminal to read, and possibly to write, a record-bearing medium such as a credit card, an ID card, a smart card, etc.
- the transaction terminal may use a contact or a contactless reading mechanism.
- a contact- less radio interface of a type known in the art may be used.
- the present invention will be described largely in terms of POS transactions, since this type of transaction is most familiar.
- the approval and "settlement" process for POS transactions involves various parties and various steps.
- the transaction terminal receives card data and purchase amount data and sends it through a communications network to a transaction processing center ("transaction processor,” “front-end processor,” or “processor”).
- the transaction processing center switches the transaction to an association (e.g., Visa, Mastercard, etc.) acting on behalf of an issuing bank.
- an authorization message is sent back through the transaction processing center and the communications network to the transaction terminal.
- “capture” follows in which information from the successful authoriza- tion is used to charge the authorized amount of money to the card. If goods are returned after the transaction has been captured, a "credit" is generated.
- Settlement involves a merchant bank and an acquiring bank.
- the merchant bank has contracted with the merchant to enable the merchant to accept card transactions.
- the acquiring bank processes merchants's card transactions through the financial network on hehalf of merchant banks (although in some instances the acquiring bank and the merchant bank may be the same).
- captures and credits are submitted from the merchant to the transaction processing center and on to the issuing and acquiring banks.
- a "direction letter" may be sent to the U.S. Federal Reserve's Automated Clearing House (ACH) network, advising it as to what debits and credits need to occur in order to complete the transactions in the batch.
- the card issuer is debited the amount of the sale and the merchant's acquiring bank is credited a like amount.
- the merchant's acquiring bank then credits the merchant's checking account for the amount of the sale less any fees the merchant has agreed to pay for such service.
- transaction terminals have typically been connected through a dial-up connection, through the PSTN (public switched telephone network) to a packet switched data network (e.g., an X.25 network) to a transaction processor.
- PSTN public switched telephone network
- packet switched data network e.g., an X.25 network
- issuers e.g., Visa, Mastercard, Discover, etc.
- a transaction terminal has been introduced that has a wireless modem — in particular a CDPD (cellular digital packet data) modem — that may be used to establish a connection to a CDPD network, bypassing the PSTN with its accompanying delays and charges.
- a wireless modem in particular a CDPD (cellular digital packet data) modem — that may be used to establish a connection to a CDPD network, bypassing the PSTN with its accompanying delays and charges.
- the transaction terminal connects wirelessly to a wireless network such as a CDPD network.
- the CDPD network includes multiple Mobile Data Base Stations (MDBS) connected to a Mobile Data Intermediate Station (MDIS).
- MDBS Mobile Data Base Stations
- MDIS Mobile Data Intermediate Station
- the MDIS is connected to a transaction processor via a Frame Relay connection. Frame Relay is used because it is much faster than an X.25 connection.
- the system of Figure 2 suffers various disadvantages.
- distributed commerce or “mobile commerce”
- Distributed commerce may be distinguished from e-commerce by a greater element of human involvement
- goods or services may be ordered in person and paid for by tender of a credit card or other non- cash payment medium, as opposed to the submission by the consumer (e.g., Web submission) of credit card information or the like.
- distributed commerce include such things as flagging a cab and, at the desired destination, paying by credit card, or phoning in an order for pizza and, at the time of delivery, paying by credit card.
- Other examples of distributed commerce include quick service restaurants, taxi and limousine services, delivery-based businesses, stadium concessions, stand-alone kiosks, and mobile businesses generally.
- terminal management is cumbersome and labor- intensive. Activating or deactivating a terminal is typically a laborious paper-based process that takes days or weeks. Keeping transaction terminals up and running is also problematic. The only way for a malfunctioning terminal to be identified and fixed is for it to be reported by the merchant, in response to which a service call is scheduled. Except in the most trivial cases, service usually entails replacing the transaction terminal and sending the faulty unit to a service center.
- reporting is paper-based at intervals (e.g., monthly) in a fixed (not customizable) format.
- the present invention provides a scalable distributed commerce system architecture for transaction processing.
- the distributed commerce system takes advantage of the wireless infrastructure and the Web infrastructure to provide the capabilities of distributed (mobile) commerce along with many of the benefits of e-commerce.
- the system is based on open standards, making possible ubiquitous "any-to-any-to-any" transaction processing in which any compliant transaction terminal can communicate over any suitable wireless carrier and engage any transaction processor to successfully complete a wireless transaction.
- wireless transaction processing is expected to offer high-speed, reliable data transport, lower terminal costs, and lower wireless service costs (as compared to land-line charges).
- An important feature of the system is that an intermediate server receives data from a transaction terminal and processes the data.
- the processed data may then be forwarded to a transaction processor.
- the intermediate server may perform various types of processing, for example data format conversion, protocol conversion, etc.
- the server also makes possible various "value added services," e.g., ATM services, e-mail advertising services, customer attrition prevention services, customized reporting services, frequency and loyalty programs, etc.
- value added services e.g., ATM services, e-mail advertising services, customer attrition prevention services, customized reporting services, frequency and loyalty programs, etc.
- distributed commerce is able to incorporate the defining attributes of e-commerce, i.e., user convenience, greater satisfaction of demand, vendor efficiency and massive scalability. Parties using the system are able to obtain desired information in real time and take action (e.g., activate and deactivate terminals) in near-real time.
- the intermediate server makes possible the use of a "soft" transaction terminal, i.e., a "thin-client” (or pseudo thin-client) transaction terminal whose characteristics are determined in large part by the server.
- Tools are provided to effectively and efficiently manage provisioning, diagnostics, and reporting via a Web browser, enabling merchant acquires and card processors a fast and easy way to offer and manage a wireless transaction processing program with no systems development.
- Figure 1 is a block diagram of a conventional transaction processing net- work
- Figure 2 is a block diagram of a known transaction processing network using a wireless access point
- FIG. 3 is a block diagram of a transaction processing network using a wireless access point and an intermediate server in accordance with one embodiment of the present invention
- Figure 4 is a screen display showing a transaction reporting feature of the system of Figure 3.
- Figure 5 is a diagram illustrating a card processor software architecture that may be used in the system of Figure 3.
- FIG. 3 a block diagram is shown of a distributed commerce system in accordance with one embodiment of the present invention.
- the distributed commerce system is exemplified by the Wireless Express Payment Service (WEPSTM) network of the present assignee.
- WEPSTM Wireless Express Payment Service
- the WEPS network links together wireless terminals, WEPS servers, and transaction processor servers via established transport providers.
- WEPS servers are in turn linked to customers (e.g., acquirers, processor, and merchants) via the Internet.
- customers e.g., acquirers, processor, and merchants
- the WEPS servers function as a value added translation gateway, enabling any supported terminal to engage in a transaction with any supported transaction processor.
- the WEPS network is device neutral and supports all (or at least the most popular) wireless terminals (e.g., Intellect 9770, Lipman 2090, Keycorp K78, Tranz Enabler, etc.). Wireless terminals communicate via wireless networks, e.g., CDPD networks (AT&T, BAM, GTE, Ameritech, etc.), the American Mobile ARDIS network, BellSouth, etc. Currently, different wireless networks lead the market in different regions of the U.S. However, with the proliferation of wireless technologies, options for wireless communication will continue to multiply.
- the WEPS network is carrier neutral-i.e., a wireless terminal can use any desired wireless network to communicate to the WEPS servers through the established Wide Area Network communications infrastructure. Wireless coverage may be of world-wide scope using satellite communications. In Figure 3 therefore, a satellite is illustrated as communicating with a satellite Network Operations Center (NOC) which in turn communicates with the established Wide Area Network communications infrastructure.
- NOC satellite Network Operations Center
- wired transaction terminals may also access the WEPS network through an Internet Service Provider (ISP) or through any or various means, e.g., Internet telephony, etc. In this manner, merchant having wired transaction terminals obtain the benefit of value added services offered by WEPS.
- ISP Internet Service Provider
- wireless networks communicate with WEPS servers via established transport providers.
- WEPS servers communicate in turn with various transaction processors, again via established transport providers.
- transaction processors are connected in turn to various issuers (e.g., Visa, Mastercard, Discover, etc.) and to various acquiring banks.
- wired communications is provided between wireless networks, WEPS servers, and transaction processors using Frame Relay technology.
- the WAN "backbone" need not be wired (including optical) but, conceivably, may also be wireless.
- the WEPS network is device neutral and carrier neutral
- the WEPS network is also transaction processor neutral ⁇ i.e., a transaction can be routed to any desired transaction processor, e.g., Paymentech, Nova, Maverick, Lynk Systems, First Data, Global/NDC, Buypass/EPS, etc.
- a suite of connectivity programs is used to perform format and protocol conversion as necessary between any supported terminal and any supported processor.
- WEPS servers are situated at one or more data centers and, at each site, may reside on a Ethernet LAN or other local area network, forming an intranet.
- the WEPS system may be based on any suitable intranet architecture may be two- tier, three-tier, etc.
- the servers are connected to a relational database management system (RDBMS) such as Oracle, for example.
- RDBMS relational database management system
- the database stores information for individual transaction terminals, identifying the type of terminal, the processor for that terminal, an appropriate connectivity program for enabling communication between the terminal and the transaction processor, etc. This information constitutes a terminal "profile.”
- the database also stores for transaction terminals thin-client "source programming," e.g., menu prompts, information to be printed, etc.
- the WEPS servers perform other value added services such as terminal activation (IP activation in the case of CDPD, Radio ID activation in the case of ARDIS), remote diagnostics, transaction reporting, signature capture, e-mail, etc.
- IP activation in the case of CDPD
- Radio ID activation in the case of ARDIS
- remote diagnostics transaction reporting
- signature capture e-mail
- Much of the power of the WEPS systems derives from databasing transaction processing information and, in a secure manner, making that information available to the "owners" of that information in real time via the Web, and from providing terminal deployment and management capabilities via the Web. These purposes are accomplished by connecting the WEPS servers to the Internet and providing a suite of database-driven Web. tools. These tools may be custom tools, commercially-available tools, or a combination of both.
- FIG. 4 shows an exemplary screen display illustrating the transaction reporting feature.
- terminal activation and deactivation typically require manual intervention by the wireless network operator.
- the WEPS server provides expedited messaging from the customer to the wireless network operator.
- tighter integration is expected to eliminate manual intervention entirely, resulting in entirely automated activation and deactivation.
- Signature capture services enables the WEPS system to improve the chargeback and retrieval request management process that occurs when a cardholder disputes a charge on their statement by capturing and verifying signatures on wireless transactions.
- E-mail advertising provides a way for a merchant acquirer to quickly and effectively broadcast to merchants promotions about the acquirer's new products and supplies. The range of value added services that may be offered is unlimited.
- WEPS value added services include ATM services, customer attrition prevention, and frequency and loyalty programs.
- ATM services WEPS servers can provide transaction processing benefits and services to wireless ATM machines.
- customer attrition prevention this service would require the merchant to contact their current acquirer in order to obtain certain password information that would allow the terminal to be switched to another processor. This authorization feature would notify the current acquirer about an unhappy merchant and give the acquirer the opportunity to resolve any problems.
- incentive programs can be easily implemented at the POS terminal and processed by the WEPS system in order to encourage additional wireless transactions.
- the WEPS system has the capability to handle any transaction-based data from any wireless network.
- the system can accommodate non-payment applications such as medical claims processing, collecting and processing telemetry data for oil, gas and other meter reading applications, coupling dispatch and "panic button" communications with in-vehicle payment processing applications, etc.
- a WEPS-certified wireless POS terminal transmits card data, merchant data and transaction amount data to the wireless network.
- the wireless network then forwards the data packets to a WEPS server, via frame relay for example.
- the WEPS server "looks" at the transaction (based on the terminal profile) and determines if protocol conversion, message reformatting, or any other data manipulation is required. If the data needs to be manipulated, the WEPS server performs such functions and then sends the resulting data to the designated transaction processor, again via frame relay for example. If no manipulation is required, the data is merely passed through the WEPS server "as is" in store-and-forward fashion. Whether the transaction needs manipulation or not, pertinent data is "stripped" and sent to the WEPS database, where real-time reports are created for the acquirer/merchant. These reports can be accessed on a real-time basis via any Web browser.
- the transaction processor receives the transaction from WEPS, via frame relay for example, and switches it to the appropriate card issuer for authorization. Once authorized, the data packet (which now includes an authorization code) is sent back to the transaction processor, which then forwards it back to the WEPS server. If needed, the protocol conversion/reformatting manipulation process is reversed. The authorization code is added to the WEPS database, and the completed transaction data is sent back to the wireless terminal via frame relay (or other suitable transport mechanism) and the wireless network.
- the amount of data manipulation required by the WEPS system is dependent on the type of transaction terminal and the identity of the transaction processor.
- the transaction terminal and the transaction processor are capable of communicating "directly" with one another, i.e., through the combination of wireless and wired transport mechanism but without any translation.
- the WEPS system simply operates in store-and-forward mode.
- the transaction terminal assumes one format (e.g., Global) but the transaction is to be routed to a transaction proces- sor that uses a different format (e.g., Maverick).
- the Global and Maverick formats are described in Appendix A and Appendix B, respectively.
- a first connectivity module e.g., Global receive module
- a second connectivity module e.g., Maverick send module
- a second connectivity module reassembles some or all of those elements, and possibly other elements stored in the WEPS database, into the appropriate format to send to the transaction processor for that transaction as indicated in the terminal profile stored in the WEPS database.
- the UDP communications protocol may be used on a network segment between the transaction terminal and the server.
- the UDP protocol is low overhead and therefore faster than more complex protocols such as X.25 or TCP.
- the server may store information about the various transaction terminals and use this information to "fill in" various information fields prior to transmission to the transaction processor across the second network segment. These fields need not be transmitted on the first network segment from the transaction processor to the server, resulting in higher-speed operation.
- Client/Server is primarily a relationship between processes running on separate machines.
- the server process is a provider of services.
- the client is a consumer of services. In essence, client/server provides a clean separation of function based on the idea of service.
- transaction terminal In the context of a transaction processing system, adherence to a client/server model provides several important advantages.
- the transaction terminal instead of being a fairly sophisticated computer, can instead be a relatively "dumb” terminal, relying on the server for "transaction intelligence.” A great economy is therefore achieved. Of perhaps even more importance, adaptability is achieved. Changes to transaction intelligence can be deployed in one place, on the server, without requiring field modifications to an installed base of transaction terminals.
- Thin client in one sense, implies a dumb terminal that operates in request/reply mode.
- data representing hardware inputs would be mapped to corresponding replies.
- the reply from the server might be "ENTER AMOUNT,” and so forth.
- the reply from the server might be "ENTER AMOUNT,” and so forth.
- ENTER AMOUNT In the case of a transaction terminal running off of line power, such an arrangement would be satisfactory (assuming communications latency were sufficiently low to avoid user irritation).
- a true thin-client mode of operation consumes excessive power.
- a thin-client specification for WEPS compliant terminal devices is provided. Terminal devices manufacturers desiring to take advantage of the powerful features of the WEPS system can do so by making their terminal equipment WEPS compliant.
- the specification standardizes the terminal device message format, and over time (as the proportion of WEPS compliant terminals increases) is expected to greatly simplify the translation function required to be performed by the WEPS server.
- the WEPS thin-client specification provides for one or both of a "pseudo" thin-client mode of operation and a true thin-client mode of operation. Where both modes are provided, two separate “menus" are defined, mapping hardware inputs to corresponding replies.
- a first menu governs operation in pseudo thin-client mode. In this mode, replies are downloaded from the server in advance and stored locally in the transaction terminal. Hence, in response to a card being swiped, instead of transmitting card data immediately to the server and waiting for the server's reply, such as "ENTER AMOUNT," the terminal device retrieves the reply (previously downloaded from the server) from its own local memory. This manner of operation preserves the battery life of the transaction terminal.
- the "reply" may be output to a display, output to a printer, used to control some aspect of terminal operation, etc.
- menu information is defined on a per terminal basis.
- the terminals may all be of the same type ⁇ (or may be of different types)-- but the programs of those terminals may vary from department to department, for example.
- a second (presumably less-used) menu governs operation in true thin-client mode. In this mode, responses are not stored locally but are sent through the network from the server. This arrangement avoids incurring the cost of local NV storage for lesser-used options.
- the software is service-based.
- a socket listener service listens for messages from terminal devices. When the service is begun, database information is stored in memory to enable rapid processing. Changes in the data cause the database to be updated.
- IP address/ter- minial ID (TID) is validated against the database information stored in memory. If the IP/TID is not valid, then the packet is dropped. Otherwise, an object is invoked to perform conversion of the data to the appropriate format based on the terminal profile. Depending on which transaction processor is designated, a corresponding conversion object is invoked
- Paymentech is assumed to be the transaction processor of choice. Therefore, the incoming data is converted to Paymentech format and sent to Paymentech.
- a card validation process ensues, involving, e.g., Paymentech and one or more other downstream processors (e.g.,
- error processing ensues in which an entry is created in an error log.
- the error log may be set up to send email notification of critical events.
- the present transaction processing system provides for ubiquitous "any-to-any-to-any" wireless (as well as wired) transaction processing capability, enabling penetration of new markets such as fast food, mobile merchants, transportation, etc.
- the resulting mobility and flexibility allows business to be conducted anywhere, with fast transaction times and savings in communication costs.
- Wireless access may occur through any wireless data network.
- the system inter-operates with an unlimited variety of wireless terminal equipment, including handheld units, countertop units, mobile units and new high speed terminal devices.
- Application flexibility is provided through the use of a thin-client or pseudo thin-client application in the terminal devices. Web accessibility allows for easy terminal set-up, on-line activation and provisioning, remote diagnostic capabilities, and real-time transaction reporting, in addition to myriad other value added card services.
- the system is always on-line, allowing for real-time, up-to-the-minute reporting capability.
- the message contains the following information:
- ⁇ x Hs ⁇ is VERSION ROOTING FS BANK KERCH FS I TERM PROC.
- Routing Data Optional user-definable data. Echoed in Global's response unaltered.
- Bank ID Require! Identifies 6-digit Bank ID assigned by Global.
- Terminal Type Required Global-assigned code indicating type of POS device.
- Swipe Track Data Conditional. Required if swiped. The data encoded on Track 1 or Track 2.
- Manual Account Number Conditional. Required if manually keyed. The account number.
- Manual FS Conditional. Required if manually keyed.
- Field Separator Manual Expiration Date Conditional. The expiration date. Present on keyed transactions (if available).
- Amount 2 Optional. Additional amount already included in Amount 1. For reporting purposes, (example, tip amount)
- AVS Information Conditional 9 character zip and 20 character street address.
- Sub-field y contains the Transaction Reference Number, which is used to identify signature capture data throughout the life cycle of the transaction.
- Shift ID Optional. Shift ID number.
- Authorization requests using Maverick's proprietary authorization request record "M” will receive the standard Visa 2 nd generation "L " response record. Terminals using Maverick's "M” authorization request format will capture the Authorization Code (field 9) and the Retrieval Reference Number (field 14) for settlement, but may capture other fields as necessary (such as the Transaction ID and Validation Code) for performing incremental authorizations.
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US16755299P | 1999-11-23 | 1999-11-23 | |
US167552P | 1999-11-23 | ||
US495898 | 2000-02-02 | ||
US09/495,898 US7353208B1 (en) | 2000-02-02 | 2000-02-02 | Transaction processing using intermediate server architecture |
PCT/US2000/031656 WO2001039072A1 (en) | 1999-11-23 | 2000-11-20 | Transaction processing using intermediate server architecture |
Publications (2)
Publication Number | Publication Date |
---|---|
EP1240610A1 EP1240610A1 (en) | 2002-09-18 |
EP1240610A4 true EP1240610A4 (en) | 2006-03-22 |
Family
ID=26863266
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP00982148A Withdrawn EP1240610A4 (en) | 1999-11-23 | 2000-11-20 | Transaction processing using intermediate server architecture |
Country Status (5)
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EP (1) | EP1240610A4 (en) |
AU (1) | AU1921501A (en) |
CA (1) | CA2392391A1 (en) |
MX (1) | MXPA02005228A (en) |
WO (1) | WO2001039072A1 (en) |
Families Citing this family (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR3010215B1 (en) * | 2013-08-29 | 2016-12-30 | Compagnie Ind Et Financiere Dingenierie Ingenico | METHOD FOR PROCESSING TRANSACTIONAL DATA, DEVICES AND CORRESPONDING COMPUTER PROGRAMS. |
US9603019B1 (en) | 2014-03-28 | 2017-03-21 | Confia Systems, Inc. | Secure and anonymized authentication |
US10484359B2 (en) | 2015-07-25 | 2019-11-19 | Confia Systems, Inc. | Device-level authentication with unique device identifiers |
US9602292B2 (en) | 2015-07-25 | 2017-03-21 | Confia Systems, Inc. | Device-level authentication with unique device identifiers |
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US5696909A (en) * | 1995-01-27 | 1997-12-09 | Hypercom, Inc. | Virtual POS terminal |
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US5920847A (en) * | 1993-11-01 | 1999-07-06 | Visa International Service Association | Electronic bill pay system |
US5870723A (en) * | 1994-11-28 | 1999-02-09 | Pare, Jr.; David Ferrin | Tokenless biometric transaction authorization method and system |
US5930767A (en) * | 1997-05-28 | 1999-07-27 | Motorola, Inc. | Transaction methods systems and devices |
US6075796A (en) * | 1997-03-17 | 2000-06-13 | At&T | Methods and apparatus for providing improved quality of packet transmission in applications such as internet telephony |
-
2000
- 2000-11-20 EP EP00982148A patent/EP1240610A4/en not_active Withdrawn
- 2000-11-20 CA CA002392391A patent/CA2392391A1/en not_active Abandoned
- 2000-11-20 AU AU19215/01A patent/AU1921501A/en not_active Abandoned
- 2000-11-20 WO PCT/US2000/031656 patent/WO2001039072A1/en not_active Application Discontinuation
- 2000-11-20 MX MXPA02005228A patent/MXPA02005228A/en unknown
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5387784A (en) * | 1990-10-30 | 1995-02-07 | Societe D'applications Generales D'electricite Et De Mecanique Sagem | Portable payment terminals and network for such terminals |
US5696909A (en) * | 1995-01-27 | 1997-12-09 | Hypercom, Inc. | Virtual POS terminal |
Non-Patent Citations (1)
Title |
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See also references of WO0139072A1 * |
Also Published As
Publication number | Publication date |
---|---|
AU1921501A (en) | 2001-06-04 |
MXPA02005228A (en) | 2003-09-25 |
EP1240610A1 (en) | 2002-09-18 |
CA2392391A1 (en) | 2001-05-31 |
WO2001039072A1 (en) | 2001-05-31 |
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