ES2063911T3 - Sistema de aprobacion de transacciones. - Google Patents

Sistema de aprobacion de transacciones.

Info

Publication number
ES2063911T3
ES2063911T3 ES90300209T ES90300209T ES2063911T3 ES 2063911 T3 ES2063911 T3 ES 2063911T3 ES 90300209 T ES90300209 T ES 90300209T ES 90300209 T ES90300209 T ES 90300209T ES 2063911 T3 ES2063911 T3 ES 2063911T3
Authority
ES
Spain
Prior art keywords
card
transaction
data
invalid
cards
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
ES90300209T
Other languages
English (en)
Inventor
Elvis W Boggan
Carl M Campbell Jr
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
Application filed by Visa International Service Association filed Critical Visa International Service Association
Application granted granted Critical
Publication of ES2063911T3 publication Critical patent/ES2063911T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Landscapes

  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Radar Systems Or Details Thereof (AREA)
  • Image Processing (AREA)
  • Detection And Prevention Of Errors In Transmission (AREA)

Abstract

SE REVELA UN SISTEMA MEJORADO PARA DETECTAR TAJETAS DE TRANSACCION NO VALIDAS EN TERMINALES DE TRANSACCION REMOTAS. EL SISTEMA INCLUYE EL PROVEER A CADA TERMINAL DE UNA TABLA MAESTRA PROVISTA DE DATOS QUE CORRESPONDEN A LAS TARJETAS NO VALIDAS. LOS DATOS CONTENIDOS EN LAS TABLAS MAESTRAS SON MENOS QUE EL NUMERO REAL CONTABILIZADO DE TARJETAS NO VALIDAS. UTILIZANDO UNA VERSION COMPRIMIDA DE LOS DATOS, LA LISTA PUEDE ACORTARSE PARA FACILITAR EL ALMACENAMIENTO Y LA TRANSMISION. LA LISTA DE DATOS COMPRIMIDOS SE DISPONE DE MANERA TAL QUE CUANDO SE PRESENTA UNA TARJETA NO VALIDA, LA MISMA PODRA IDENTIFICARSE Y SOMETERSE AL PROCESAMIENTO QUE SIGUE. EN LA FORMA DE CONSTRUCCION PREFERIDA, LA PROBABILIDAD DE QUE SE IDENTIFIQUE UNA TARJETA VALIDA COMO POTENCIALMENTE NO VALIDA SE ENCUENTRA EN EL ORDEN DEL UNO AL TRES POR CIENTO. DURANTE CADA TRANSACCION, SE SUPLEMENTA LA TABLA MAESTRA CON INFORMACION RELACIONADA CON EL NUMERO DE CUENTA DE LA TARJETA DE TRANSACCION PRESENTADA PARA EFECTUAR LA COMPRA. DE ESTA MANERA, CUALQUIER UTILIZACION POSTERIOR DE LA TARJETA SEGUIRA POR UN CAMINO QUE REQUERIRA PROCESAMIENTO ADICIONAL. SE UTILIZA UN ESQUEMA PARA COMPENSAR ERRORES DE TRANSMISION DE INFORMACION PARA REDUCIR LA POSIBILIDAD DE QUE INFORMACION RELACIONADA CON TARJETAS NO VALIDAS SE PIERDA CUANDO SE DISTRIBUYA LA LISTA MAESTRA.
ES90300209T 1989-01-10 1990-01-09 Sistema de aprobacion de transacciones. Expired - Lifetime ES2063911T3 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US07/295,662 US4908521A (en) 1987-01-06 1989-01-10 Transaction approval system

Publications (1)

Publication Number Publication Date
ES2063911T3 true ES2063911T3 (es) 1995-01-16

Family

ID=23138694

Family Applications (1)

Application Number Title Priority Date Filing Date
ES90300209T Expired - Lifetime ES2063911T3 (es) 1989-01-10 1990-01-09 Sistema de aprobacion de transacciones.

Country Status (9)

Country Link
US (1) US4908521A (es)
EP (1) EP0378349B1 (es)
JP (1) JP2714869B2 (es)
AT (1) ATE110868T1 (es)
AU (1) AU613574B2 (es)
CA (1) CA2007234C (es)
DE (1) DE69011877T2 (es)
ES (1) ES2063911T3 (es)
NO (1) NO300944B1 (es)

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Also Published As

Publication number Publication date
EP0378349A2 (en) 1990-07-18
DE69011877T2 (de) 1995-04-20
DE69011877D1 (de) 1994-10-06
NO300944B1 (no) 1997-08-18
CA2007234A1 (en) 1990-07-10
US4908521A (en) 1990-03-13
AU4708389A (en) 1990-07-19
NO900103D0 (no) 1990-01-09
ATE110868T1 (de) 1994-09-15
JP2714869B2 (ja) 1998-02-16
CA2007234C (en) 1994-05-24
EP0378349A3 (en) 1991-05-15
NO900103L (no) 1990-07-11
JPH02226362A (ja) 1990-09-07
AU613574B2 (en) 1991-08-01
EP0378349B1 (en) 1994-08-31

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