ES2076482T3 - Sistema de autorizacion internacional. - Google Patents

Sistema de autorizacion internacional.

Info

Publication number
ES2076482T3
ES2076482T3 ES91400094T ES91400094T ES2076482T3 ES 2076482 T3 ES2076482 T3 ES 2076482T3 ES 91400094 T ES91400094 T ES 91400094T ES 91400094 T ES91400094 T ES 91400094T ES 2076482 T3 ES2076482 T3 ES 2076482T3
Authority
ES
Spain
Prior art keywords
merchant
issuer
switch
transaction
call
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
ES91400094T
Other languages
English (en)
Inventor
George Tejada
Farzad Naimi
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
Priority claimed from US07/614,081 external-priority patent/US5136633A/en
Application filed by Visa International Service Association filed Critical Visa International Service Association
Application granted granted Critical
Publication of ES2076482T3 publication Critical patent/ES2076482T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
    • H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2203/00—Aspects of automatic or semi-automatic exchanges
    • H04M2203/20—Aspects of automatic or semi-automatic exchanges related to features of supplementary services
    • H04M2203/2061—Language aspects
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2242/00—Special services or facilities
    • H04M2242/22—Automatic class or number identification arrangements
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/42025—Calling or Called party identification service
    • H04M3/42085—Called party identification service
    • H04M3/42102—Making use of the called party identifier
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M7/00—Arrangements for interconnection between switching centres
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04Q—SELECTING
    • H04Q3/00—Selecting arrangements
    • H04Q3/72—Finding out and indicating number of calling subscriber

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Signal Processing (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Vehicle Body Suspensions (AREA)
  • Apparatus For Radiation Diagnosis (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Optical Communication System (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Telephonic Communication Services (AREA)

Abstract

SE EXPONE UN SISTEMA DE REDES PARA MANEJAR SOLICITUDES TELEFONICAS PARA AUTORIZAR TRANSACCIONES FINANCIERAS ENTRE UN COMERCIANTE (10) Y EL EMISOR (20) DE LA TARJETA DE TRANSACCION PRESENTADA PARA LA MISMA. EL SISTEMA DE REDES INCLUYE UN INTERRUPTOR INTELIGENTE (14) PARA RECIBIR UNA LLAMADA ENTRANTE DEL COMERCIANTE. EL INTERRUPTOR INCLUYE UNA UNIDAD DE RESPUESTA VOCAL (VRU) (16) QUE GENERA UNA SOLICITUD PARA QUE EL COMERCIANTE PUEDA ENTRAR AL NUMERO DE CUENTA DE LA TARJETA DE TRANSACCION. A CONTINUACION EL INTERRUPTOR DETERMINA EL EMISOR BASANDOSE EN LOS DATOS CONTENIDOS EN EL NUMERO DE CUENTA RECIBIDO DEL COMERCIANTE (118). ENTONCES EL INTERRUPTOR INICIA UNA LLAMADA AL EMISOR (120). ENTONCES EL INTERRUPTOR CONECTA AL COMERCIANTE Y AL EMISOR PARA PERMITIR AL EMISOR OBTENER INFORMACION ADICIONAL, DIRECTAMENTE DEL COMERCIANTE, PARA EVALUAR LA TRANSACCION (132) . UNA VEZ QUE LA INFORMACION SE HA RECIBIDO, EL EMISOR GENERARA UN CODIGO DE APROBACION TRANSMITIDO POR EL INTERRUPTOR AL COMERCIANTE (146, 148). EL INTERRUPTOR GUARDARA TAMBIEN UN REGISTRO DE LOS PARAMETROS DE TRANSACCION (154). SI EL COMERCIANTE Y EL EMISOR ESTAN SITUADOS EN PAISES DISTINTOS, EL INTERRUPTOR PODRA AÑADIR UN OPERADOR BILINGUE A LA LLAMADA PARA TRADUCIR LAS COMUNICACIONES VERBALES ENTRE EL COMERCIANTE Y EL EMISOR (232).
ES91400094T 1990-01-30 1991-01-17 Sistema de autorizacion internacional. Expired - Lifetime ES2076482T3 (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US47231790A 1990-01-30 1990-01-30
US07/614,081 US5136633A (en) 1990-01-30 1990-11-13 International authorization system

Publications (1)

Publication Number Publication Date
ES2076482T3 true ES2076482T3 (es) 1995-11-01

Family

ID=27043722

Family Applications (1)

Application Number Title Priority Date Filing Date
ES91400094T Expired - Lifetime ES2076482T3 (es) 1990-01-30 1991-01-17 Sistema de autorizacion internacional.

Country Status (9)

Country Link
EP (1) EP0440515B1 (es)
JP (1) JP2866210B2 (es)
AT (1) ATE126913T1 (es)
AU (1) AU631715B2 (es)
CA (1) CA2034711C (es)
DE (1) DE69112234T2 (es)
DK (1) DK0440515T3 (es)
ES (1) ES2076482T3 (es)
GR (1) GR3017724T3 (es)

Families Citing this family (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5222125A (en) * 1991-09-03 1993-06-22 At&T Bell Laboratories System for providing personalized telephone calling features
US5392343A (en) * 1992-11-10 1995-02-21 At&T Corp. On demand language interpretation in a telecommunications system
DE69314804T2 (de) 1992-11-11 1998-02-12 Finland Telecom Oy Verfahren zum durchführen von finanziellen transaktionen mittels eines mobilen telephonsystems
US5475756A (en) * 1994-02-17 1995-12-12 At&T Corp. Method of authenticating a terminal in a transaction execution system
US5696909A (en) * 1995-01-27 1997-12-09 Hypercom, Inc. Virtual POS terminal
FI99071C (fi) 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Menetelmä sovellusten käyttämiseksi matkaviestimessä ja matkaviestin
EP0935785A2 (en) * 1996-06-17 1999-08-18 Verifone, Inc. A system, method and article of manufacture for managing transactions in a high availability system
FR2750275B1 (fr) * 1996-06-21 1998-07-17 France Telecom Procede de gestion dans un systeme telematique distribue et systeme de mise en oeuvre de ce procede
US6018723A (en) * 1997-05-27 2000-01-25 Visa International Service Association Method and apparatus for pattern generation
US6119103A (en) * 1997-05-27 2000-09-12 Visa International Service Association Financial risk prediction systems and methods therefor
SE518098C2 (sv) * 1997-11-04 2002-08-27 Ericsson Telefon Ab L M Intelligent nät
EP0973312A1 (de) * 1998-07-11 2000-01-19 Matthias Stöffler Verfahren und Vorrichtung zur Simultanübersetzung von Telefongesprächen
WO2000018088A1 (en) * 1998-09-18 2000-03-30 Dial A Payment, Inc. Telephonic transaction system
US6999943B1 (en) 2000-03-10 2006-02-14 Doublecredit.Com, Inc. Routing methods and systems for increasing payment transaction volume and profitability
US7143069B2 (en) * 2001-05-25 2006-11-28 American Express Travel Related Services Co. System and method for interactive secure dialog between card holder and issuer

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4485300A (en) * 1982-03-18 1984-11-27 Visa U.S.A., Inc. Loss control system
JPS59154572A (ja) * 1983-02-23 1984-09-03 Omron Tateisi Electronics Co 取引決済装置
JPS59174972A (ja) * 1983-03-24 1984-10-03 Omron Tateisi Electronics Co カ−ド認証機
NL8400973A (nl) * 1983-04-28 1984-11-16 Visa Int Service Ass Audiotransactiepost met wisselwerking.
US4734564A (en) * 1985-05-02 1988-03-29 Visa International Service Association Transaction system with off-line risk assessment
JPS61189644U (es) * 1985-05-17 1986-11-26
GB8522427D0 (en) * 1985-09-10 1985-10-16 Plessey Co Plc Credit transaction arrangments
US4870259A (en) * 1987-01-06 1989-09-26 Visa International Service Association Transaction approval system
US4885300A (en) * 1988-03-03 1989-12-05 Ortho Pharmaceutical Corporation 4-Substituted pyrazolo[3,4-D]pyrimidine derivatives
US5136633A (en) 1990-01-30 1992-08-04 Visa International Service Association International authorization system

Also Published As

Publication number Publication date
AU631715B2 (en) 1992-12-03
DE69112234D1 (de) 1995-09-28
JP2866210B2 (ja) 1999-03-08
EP0440515A1 (en) 1991-08-07
DE69112234T2 (de) 1996-04-04
EP0440515B1 (en) 1995-08-23
GR3017724T3 (en) 1996-01-31
DK0440515T3 (da) 1995-10-30
CA2034711A1 (en) 1991-07-31
ATE126913T1 (de) 1995-09-15
AU6994791A (en) 1991-08-01
CA2034711C (en) 1999-03-16
JPH04213161A (ja) 1992-08-04

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