发明名称 |
Personal reader capture transfer technology |
摘要 |
A method and apparatus for performing electronic financial transactions is disclosed having a card reader which may determine if the card being read is authorized for use with the card reader. The card reader also has a serial number which is sent to a clearing house at the time a request for authorization is made to validate the use of the card reader. 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 merchants location and the data is sent by point-of-sale terminal to a clearing house 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. |
申请公布号 |
AU6689696(A) |
申请公布日期 |
1997.03.05 |
申请号 |
AU19960066896 |
申请日期 |
1996.08.02 |
申请人 |
ANGSTROM CORPORATION |
发明人 |
MEYER W. EISNER;STANLEY G. SCWARTZ |
分类号 |
G06Q20/02;G06Q20/04;G06Q20/20;G06Q20/26;G06Q20/30 |
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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