JPH10503308A - 仮想pos端末 - Google Patents
仮想pos端末Info
- Publication number
- JPH10503308A JPH10503308A JP8523079A JP52307996A JPH10503308A JP H10503308 A JPH10503308 A JP H10503308A JP 8523079 A JP8523079 A JP 8523079A JP 52307996 A JP52307996 A JP 52307996A JP H10503308 A JPH10503308 A JP H10503308A
- Authority
- JP
- Japan
- Prior art keywords
- apfe
- pos
- pos device
- host
- 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.)
- Granted
Links
Classifications
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- 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
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Marketing (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Confectionery (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Percussion Or Vibration Massage (AREA)
- Dental Tools And Instruments Or Auxiliary Dental Instruments (AREA)
- Stored Programmes (AREA)
- Telephone Function (AREA)
- Microcomputers (AREA)
- Coloring Foods And Improving Nutritive Qualities (AREA)
Abstract
Description
Claims (1)
- 【特許請求の範囲】 1.遠隔POS端末とホストコンピュータとの間で金融取引を行う方法であって、 磁気符号化された取引カードを、該POS装置に付随するカード読取りスロット 内でスライドさせるステップと、 該POS装置内に常駐する通信回路を介して、該POS装置と、該POS装置および該 ホストの間に配設されるAPFEモジュールとの間で通信を行うステップと、 該POS装置から該APFEに第1のデータパケットを送信するステップであって、 該第1のデータパケットは該POS装置の信号を含んでいる、ステップと、 該POS装置の該信号を用いて該APFEに付随するデータベースにアクセスするス テップと、 ユーザプロンプトの信号を含んでいる第2のデータパケットを該APFEから該PO S装置に送信するステップと、 該POS装置側のユーザ入力に応答して、特定の金融取引を示す第3のデータパ ケットを該POS装置から該APFEに送信するステップと、 該第3のデータパケットおよび該データベースから検索した情報に従って承認 要求を組み立てて、該承認要求を該APFEから該ホストに送信するステップと、 該承認要求に応答して、応答メッセージを該ホストから該APFEに送信するステ ップと、 該応答メッセージを示す第4のデータパケットを該APFEから該POS装置に送信 して、該第4のデータパケットの人間可読信号を該POS装置に表示するステップ と、 を包含する方法。 2.前記第2のデータパケットを送信するステップは、 ユーザプロンプトデータベースからの検索のアーギュメント(引数)として、 前記第2のデータパケットの少なくとも一部に基づいて、前記POS装置に付随す る該ユーザプロンプトデータベースからユーザプロンプトの信号を検索するステ ップ、および 該第2のデータパケットから該ユーザプロンプトの信号を検索して、該ユーザ プロンプトを該ユーザPOS装置に表示するステップ、 の一方を包含している、請求項1に記載の方法。 3.キーパッドを介したデータの手動入力、 前記POS装置に付随する音声処理回路への発話、および、 該POS装置に付随する電話回路への情報の発話、 の中の少なくとも1つによって、該POS装置における前記ユーザ入力を行う、請 求項1に記載の方法。 4.前記第3のデータパケットは、行おうとする金融取引の金額の信号を包含し ている、請求項1に記載の方法。 5.前記応答メッセージは、取引承認メッセージおよび取引拒否メッセージの一 方を包含している、請求項1に記載の方法。 6. POSプロセッサ、POS通信インターフェース、およびユーザインターフェー スを備えたPOS装置と、 ホストプロセッサを備えたホストコンピュータと、 該POS装置との通信を行う第1の手段、該ホストコンピュータとの通信を行う 第2の手段、およびデータベースを備えたAPFEと、 を備えた金融取引を行うシステムであって、 該POSプロセッサは、金融取引に関する所定のユーザ入力に応答して該APFEと の通信を確立するように構成され、該APFEは、該POS装置からの所定の通信に応 答して該データベースにアクセスして該ホストコンピュータに承認要求メッセー ジを送信するように構成され、該ホストコンピュータは、該承認要求メッセージ に応答して承認応答メッセージを該APFEに返信するように構成されている、シス テム。 7.前記ユーザインターフェースは英数字キーパッドを備えている、請求項6に 記載のシステム。 8.前記APFEは、該ホストコンピュータと統合されたソフトウェアモジュールを 備えている、請求項6に記載のシステム。 9.前記APFEは、該POS装置と該ホストコンピュータとの間に物理的に介在させ られるハードウェアモジュールを備えている、請求項6に記載のシステム。 10.前記POS装置は、カードを受け取ると前記通信インターフェースを起動す るように構成されたカード読取りスロットをさらに備えている、請求項6に記載 のシステム。
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/379,734 US5696909A (en) | 1995-01-27 | 1995-01-27 | Virtual POS terminal |
US379,734 | 1995-01-27 | ||
US08/379,734 | 1995-01-27 | ||
PCT/US1996/001421 WO1996023284A2 (en) | 1995-01-27 | 1996-01-25 | Virtual pos terminal |
Publications (2)
Publication Number | Publication Date |
---|---|
JPH10503308A true JPH10503308A (ja) | 1998-03-24 |
JP2968047B2 JP2968047B2 (ja) | 1999-10-25 |
Family
ID=23498462
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP8523079A Expired - Lifetime JP2968047B2 (ja) | 1995-01-27 | 1996-01-25 | 仮想pos端末 |
Country Status (24)
Country | Link |
---|---|
US (1) | US5696909A (ja) |
EP (1) | EP0809836B1 (ja) |
JP (1) | JP2968047B2 (ja) |
KR (1) | KR100266951B1 (ja) |
CN (1) | CN1184597C (ja) |
AR (1) | AR000809A1 (ja) |
AT (1) | ATE217433T1 (ja) |
AU (1) | AU684417B2 (ja) |
BR (1) | BR9606934A (ja) |
CA (1) | CA2210535C (ja) |
CO (1) | CO4480712A1 (ja) |
CZ (1) | CZ286512B6 (ja) |
DE (1) | DE69621120T2 (ja) |
HU (1) | HU218646B (ja) |
MX (1) | MX9705656A (ja) |
MY (1) | MY116490A (ja) |
NO (1) | NO973437L (ja) |
NZ (1) | NZ302548A (ja) |
PH (1) | PH31351A (ja) |
PL (1) | PL179048B1 (ja) |
RU (1) | RU2134901C1 (ja) |
TR (1) | TR199700698T1 (ja) |
WO (1) | WO1996023284A2 (ja) |
ZA (1) | ZA96632B (ja) |
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Publication number | Priority date | Publication date | Assignee | Title |
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DE3176167D1 (en) * | 1981-12-23 | 1987-06-11 | Ibm | Business system |
NL8400973A (nl) * | 1983-04-28 | 1984-11-16 | Visa Int Service Ass | Audiotransactiepost met wisselwerking. |
FR2626389A1 (fr) * | 1988-01-25 | 1989-07-28 | Automatisme Avenir Inf | Dispositif autonome d'affichage et de calcul |
US5305196A (en) * | 1989-05-01 | 1994-04-19 | Credit Verification Corporation | Check transaction processing, database building and marketing method and system utilizing automatic check reading |
DE69112234T2 (de) * | 1990-01-30 | 1996-04-04 | Visa Int Service Ass | Internationales Autorisierungssystem. |
US5239573A (en) * | 1990-04-16 | 1993-08-24 | Telecredit, Inc. | Telephone terminal incorporating speech synthesizer for enhanced communication |
US5484988A (en) * | 1992-11-13 | 1996-01-16 | Resource Technology Services, Inc. | Checkwriting point of sale system |
US5500890A (en) * | 1993-08-19 | 1996-03-19 | Exxon Research And Engineering Company | Point-of-sale system using multi-threaded transactions and interleaved file transfer |
US5521966A (en) * | 1993-12-14 | 1996-05-28 | At&T Corp. | Method and system for mediating transactions that use portable smart cards |
WO1995019010A1 (en) * | 1994-01-06 | 1995-07-13 | Cfi Proservices, Inc. | Home banking system |
AU1735195A (en) * | 1994-02-14 | 1995-08-29 | Telepay, Inc. | Automated interactive bill payment system |
US5457305A (en) * | 1994-03-31 | 1995-10-10 | Akel; William S. | Distributed on-line money access card transaction processing system |
-
1995
- 1995-01-27 US US08/379,734 patent/US5696909A/en not_active Expired - Lifetime
-
1996
- 1996-01-25 RU RU97114189A patent/RU2134901C1/ru active
- 1996-01-25 HU HU9801421A patent/HU218646B/hu not_active IP Right Cessation
- 1996-01-25 AT AT96904547T patent/ATE217433T1/de not_active IP Right Cessation
- 1996-01-25 JP JP8523079A patent/JP2968047B2/ja not_active Expired - Lifetime
- 1996-01-25 CA CA002210535A patent/CA2210535C/en not_active Expired - Lifetime
- 1996-01-25 CN CNB961916141A patent/CN1184597C/zh not_active Expired - Lifetime
- 1996-01-25 MX MX9705656A patent/MX9705656A/es unknown
- 1996-01-25 EP EP96904547A patent/EP0809836B1/en not_active Expired - Lifetime
- 1996-01-25 CZ CZ19972231A patent/CZ286512B6/cs not_active IP Right Cessation
- 1996-01-25 NZ NZ302548A patent/NZ302548A/en not_active IP Right Cessation
- 1996-01-25 KR KR1019970705018A patent/KR100266951B1/ko not_active IP Right Cessation
- 1996-01-25 TR TR97/00698T patent/TR199700698T1/xx unknown
- 1996-01-25 AU AU48624/96A patent/AU684417B2/en not_active Expired
- 1996-01-25 BR BR9606934A patent/BR9606934A/pt not_active Application Discontinuation
- 1996-01-25 DE DE69621120T patent/DE69621120T2/de not_active Expired - Lifetime
- 1996-01-25 WO PCT/US1996/001421 patent/WO1996023284A2/en active IP Right Grant
- 1996-01-26 AR ARP960101159A patent/AR000809A1/es unknown
- 1996-01-26 ZA ZA96632A patent/ZA96632B/xx unknown
- 1996-01-26 PH PH52222A patent/PH31351A/en unknown
- 1996-01-26 MY MYPI96000289A patent/MY116490A/en unknown
- 1996-01-26 CO CO96003406A patent/CO4480712A1/es unknown
-
1997
- 1997-07-25 NO NO973437A patent/NO973437L/no not_active Application Discontinuation
- 1997-07-28 PL PL96321750A patent/PL179048B1/pl unknown
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