Telephonic communications – Telephone line or system combined with diverse electrical... – Credit authorization
Patent
1993-06-17
1994-10-18
Chan, Wing F.
Telephonic communications
Telephone line or system combined with diverse electrical...
Credit authorization
379221, 235380, H04M 1100
Patent
active
053575636
ABSTRACT:
A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal is capable of requesting and receiving electronic authorization indicia via alternative communications links. The terminal includes first communications means for automatically connecting the terminal with a transaction processing host computer system via a first communications link, and second communications means for automatically connecting the terminal with the transaction processing host computer system via a separate second communications link if the first link fails. A third communications means automatically connects the terminal to an audio response unit (ARU) via a third communications link in response to a "call me" signal from the host computer system, or if the first and second communications links fail. Transaction data is automatically transmitted from the terminal to the ARU via DTMF signals. The terminal includes means for receiving manual entry of audible authorization indicia received from the ARU, and means for verifying manually entered authorization indicia.
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Cavicchi Peter R.
Depew Timothy W.
Friedman Shelley K.
Hamilton James H.
Kligfeld Edward G.
Chan Wing F.
Microbilt Corporation
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