Adaptive communication system within a transaction card network

Details Adaptive communication system within a transaction card network Adaptive communication system within a transaction card network

1993-10-26

1996-06-11

Chan, Wing F.

Telephonic communications

Telephone line or system combined with diverse electrical...

Credit authorization

379 93, 364401, H04M 1100

Patent

active

055264093

ABSTRACT:
The present invention is a point-of-presence device installed in a merchant establishment as an interface between a retail information system and a transaction card authorization network. By using a simple message data format between the retail information system and the device, the device insulates the retail information system from changes to local communication access methods and changes to point-of-sale compliance requirements initiated by the card processor. The device first establishes a dial-up telephone connection to the authorization network and then interleaves both financial data messages and non-financial messages over the same telephone line to the authorization network. The device provides authorization response times that substantially equal response times provided by leased line connections to the authorization network. In addition, the present invention provides improved diagnostic and draft capture capability for the retail information system.

REFERENCES:
patent: 4972463 (1990-11-01), Danielson et al.
patent: 5144651 (1992-09-01), Cooper
Advertisement published by Datacap Systems, Inc. (date unknown) disclosing a communication processor called TransIT.

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