发明名称 |
PERSONAL READER CAPTURE TRANSFER TECHNOLOGY. |
摘要 |
<p>A method and apparatus for performing electronic financial transactions are disclosed having a card reader (14) which may determine if the card being read is authorized for use with the card reader (14). The card reader (14) also has a serial number which is sent to a clearing house (26) at the time a request for authorization is made to validate the use of the card reader (14). Card data and the card reader's serial number are converted to DTMF tones at a customer's location and are sent to a merchant over conventional telephone lines thereby making a standard modem unnecessary. The DTMF tones are decoded at the merchant's location and the data is sent by point-of-sale terminal (24) to a clearing house (26) for authorization. Furthermore, a traditional conversation may proceed with a merchant over the same telephone line as that by which the DTMF tones are being sent, eliminating the need for a second line at the customer's location.</p> |
申请公布号 |
MX9801090(A) |
申请公布日期 |
1998.11.29 |
申请号 |
MX19980001090 |
申请日期 |
1998.02.09 |
申请人 |
BELCO SYSTEMS TECHNOLOGIES, INC. |
发明人 |
MEYER W. EISNER;STANLEY G. SCWARTZ |
分类号 |
G06Q20/02;G06Q20/04;G06Q20/20;G06Q20/26;G06Q20/30;(IPC1-7):H04M11/00 |
主分类号 |
G06Q20/02 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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