WO2003046683A3 - Apparatus and method for downloading configuration data - Google Patents

Apparatus and method for downloading configuration data Download PDF

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Publication number
WO2003046683A3
WO2003046683A3 PCT/US2002/033992 US0233992W WO03046683A3 WO 2003046683 A3 WO2003046683 A3 WO 2003046683A3 US 0233992 W US0233992 W US 0233992W WO 03046683 A3 WO03046683 A3 WO 03046683A3
Authority
WO
WIPO (PCT)
Prior art keywords
activity
card terminals
card
system server
configuration data
Prior art date
Application number
PCT/US2002/033992
Other languages
French (fr)
Other versions
WO2003046683A2 (en
Inventor
Ming-Sum Fang
Alan J Sims
Original Assignee
Heartland Payment Systems Inc
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
Application filed by Heartland Payment Systems Inc filed Critical Heartland Payment Systems Inc
Priority to AU2002353867A priority Critical patent/AU2002353867A1/en
Publication of WO2003046683A2 publication Critical patent/WO2003046683A2/en
Publication of WO2003046683A3 publication Critical patent/WO2003046683A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit

Abstract

Downloading configuration data to program card terminals (31, 35) and providing real-time data of activity (45) occurring at card terminals (31, 35) A merchant can log on to a system server (27) and enter information to program options for its card terminals (31, 35) such as via a web page (43) on an Internet site. The system server (27) formats the information into a file based upon a communication protocol and programming rules for the card terminal, and downloads the file to it as a data stream. The card terminal programs itself according to the configuration data. A merchant can also view data for activity occurring at its card terminals (31, 35), possibly in real-time proximate to detection of the activity by the system server.(27) In conjunction with processing transactions or other activity from the card terminals (31, 35), the system server (27) replicates the records for the activity and makes them available to merchants such as via a web page (43) on an Internet site. Both the entry of configuration data and viewing of real-time activity can occur at a network connection remote from the card terminals (31, 35), allowing the merchants to program the card terminals (31, 35) and view their activity at any location having network access.
PCT/US2002/033992 2001-11-27 2002-10-22 Apparatus and method for downloading configuration data WO2003046683A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002353867A AU2002353867A1 (en) 2001-11-27 2002-10-22 Apparatus and method for downloading configuration data

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/993,767 2001-11-27
US09/993,767 US7783572B2 (en) 2001-11-27 2001-11-27 Apparatus and method for downloading configuration data to card terminals and for viewing activity at card terminals

Publications (2)

Publication Number Publication Date
WO2003046683A2 WO2003046683A2 (en) 2003-06-05
WO2003046683A3 true WO2003046683A3 (en) 2003-12-11

Family

ID=25539912

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/033992 WO2003046683A2 (en) 2001-11-27 2002-10-22 Apparatus and method for downloading configuration data

Country Status (3)

Country Link
US (1) US7783572B2 (en)
AU (1) AU2002353867A1 (en)
WO (1) WO2003046683A2 (en)

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US20030217005A1 (en) * 1996-11-27 2003-11-20 Diebold Self Service Systems, Division Of Diebold, Incorporated Automated banking machine system and method
US7805376B2 (en) * 2002-06-14 2010-09-28 American Express Travel Related Services Company, Inc. Methods and apparatus for facilitating a transaction
US6901387B2 (en) * 2001-12-07 2005-05-31 General Electric Capital Financial Electronic purchasing method and apparatus for performing the same
US7577585B2 (en) * 2001-12-07 2009-08-18 American Express Travel Related Services Company, Inc. Method and system for completing transactions involving partial shipments
US6901418B2 (en) * 2002-05-07 2005-05-31 Electronic Data Systems Corporation Data archive recovery
US7413112B2 (en) * 2004-03-16 2008-08-19 American Express Travel Related Services Company, Inc. Method and system for manual authorization
US7765128B2 (en) * 2004-07-21 2010-07-27 Smart Destinations Inc. Programmable ticketing system
WO2006105040A2 (en) * 2005-03-29 2006-10-05 Mastercard International Incorporated System and method for issuing prepaid debit card at point of sale
US7814013B2 (en) * 2006-12-19 2010-10-12 Morsillo Leon N Electronic payment processing system
US7606766B2 (en) * 2006-12-21 2009-10-20 American Express Travel Related Services Company, Inc. Computer system and computer-implemented method for selecting invoice settlement options
US9274753B1 (en) * 2007-12-23 2016-03-01 Sprint Communications Company L.P. Application diagram tool
US20100159907A1 (en) * 2008-12-18 2010-06-24 Fidelisoft Inc. Dynamic configurable transaction system
KR101579978B1 (en) * 2009-03-10 2015-12-24 엘지전자 주식회사 Method for displaying web page and mobile terminal using the same
US9361620B2 (en) 2011-10-14 2016-06-07 Leisure Pass Group Limited Electronic transaction system with entitlement and promotion engines
JPWO2014091707A1 (en) * 2012-12-13 2017-01-05 セイコーエプソン株式会社 Receipt printing system, receipt printing system control method, and control apparatus
US10679212B2 (en) 2014-05-26 2020-06-09 The Toronto-Dominion Bank Post-manufacture configuration of pin-pad terminals
US10373168B2 (en) 2015-01-12 2019-08-06 Mastercard International Incorporated Method and system for retry processing of controlled payment transactions
WO2017131615A1 (en) * 2016-01-25 2017-08-03 Entit Software Llc Protecting data of a particular type
US10229404B1 (en) * 2016-12-16 2019-03-12 Worldpay, Llc Systems and methods for network configurations of pin pads

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US5466920A (en) 1991-11-08 1995-11-14 Microbilt Corporation Real time decoding for card transaction terminal
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Also Published As

Publication number Publication date
US20030101145A1 (en) 2003-05-29
US7783572B2 (en) 2010-08-24
AU2002353867A1 (en) 2003-06-10
WO2003046683A2 (en) 2003-06-05
AU2002353867A8 (en) 2003-06-10

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