公开(公告)号：US4707592A

公开(公告)日：1987-11-17

申请号：US784954

申请日：1985-10-07

申请人： Paul N. Ware

发明人： Paul N. Ware

IPC分类号： G07F7/08 ,  G07F7/10 ,  G06F15/30

CPC分类号： G07F7/08 ,  G06Q20/382 ,  G06Q20/403 ,  G06Q20/4037 ,  G07F7/1016

摘要： A financial card transaction system for protecting the financial transactions against fraud, by reducing the dissemination of the cardholder's account code and the transaction data. The system includes a plurality of retail sales, each having a card reader that is connected by data channels to a transaction center with a computer that includes cardholder's records and a transaction number generator. The transaction number uniquely identifies each transaction undertaken within a given time frame and is the only number printed out on a transaction ticket at the retail site, while transaction data, such as cost, type of merchandise, cardholder's account number, etc. are not printed out at the retail site, but only at the transaction center where it is included in the monthly or quarterly statement printed by the computer and sent to both cardholder and retail site. Encryption may be included in order to prevent the unauthorized monitoring of the data flow. A telephone interface may be provided at the retail site so that a cardholder may call and send his account number and personal identity number from a push button telephone.

摘要翻译： 一种金融卡交易系统，用于通过减少持卡人账户代码和交易数据的传播来保护金融交易免受欺诈。 该系统包括多个零售销售，每个销售商具有通过数据通道与包括持卡人的记录和交易号码发生器的计算机连接到交易中心的读卡器。 交易号码唯一地标识在给定时间范围内进行的每个交易，并且是在零售站点上的交易票据上打印的唯一数字，而不打印诸如成本，商品类型，持卡人帐号等的交易数据 在零售网站，但仅在交易中心，其中包含在计算机打印的每月或每季度报表中，并发送给持卡人和零售网站。 可以包括加密，以防止对数据流的未经授权的监视。 可以在零售场所提供电话接口，使得持卡人可以从按钮电话呼叫并发送他的帐号和个人身份号码。