Transaction authorization
AssigneeNCR Corporation
InventorsVishwam Guntupalli, Siva Prasad Babu Madeneni
Life of this patent
Estimating the term…
Abstract
A transaction authorization method and system. The system includes a host coupled to a plurality of transaction request channels (telephone, PC, and the like) for receiving and authorizing transaction requests for a specific self-service terminal. The system also includes a self-service terminal coupled to the host for receiving a transaction message therefrom. The transaction message includes a transaction identifier and a customer identifier, so that the self-service terminal is operable to provide a customer with a transaction amount from the transaction identifier in response to the customer entering details matching the contents of the customer identifier.
Claims13
A transaction authorization method implemented by a self-service terminal, the method comprising:
- receiving a transaction message for a preapproved transaction from a host, the transaction message including a transaction identification field, a customer verification field, and a transaction amount field;
- storing the received transaction message as an entry in a pending transaction list stored in a computer memory of the self-service terminal;
- subsequent to receiving the transaction message, receiving a transaction code and a customer code from a customer locally at the self-service terminal;
- controlling a processor to compare the received transaction code and the received customer code with corresponding entries in the transaction message;
- controlling the processor to locally examine the transaction message to identify conditions required for executing the transaction;
- and
- controlling the processor to execute the transaction based upon determination that the conditions required for executing the transaction are satisfied without further remote authorization.
A transaction authorization method comprising:
- controlling a data processing device so as to present an interface to a user for entry of user selections defining a transaction request for a preapproved transaction specifying details of a transaction to be conducted at a specified self-service terminal remote from the data processing device, the details of the transaction including a transaction amount and an identifier specifying the self-service terminal;
- controlling the data processing device to receive user entries specifying the details of the transaction request;
- controlling the data processing device to compare selected details of the transaction request against acceptance criteria stored in a memory of the data processing device;
- upon verification by the data processing device that the selected details of the transaction request meet the acceptance criteria, controlling the data processing device to prepare a transaction message for the preapproved transaction for transmission to the specified self-service terminal authorizing the self-service terminal to complete the transaction without further remote authorization upon recognition by the self-service terminal of satisfaction of conditions specified in the transaction message.
A system for authenticating transactions at a self-service terminal, the system comprising:
- a self-service terminal for receiving a transaction message from a host for a preapproved transaction, the transaction message defining a transaction to be executed by the self-service terminal without further remote authorization upon recognition by the terminal of satisfaction of conditions specified in the transaction message, the transaction message including a transaction identifier and a customer identifier.
Dependencies are inferred from the claim text.