초록 ▼

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 tra

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.

대표청구항 ▼

A financial and identification card transaction system for protecting transactions between a plurality of cardholders, each having a card, with a machine-readable code imprinted thereon and a card-issuing organization via at least one transaction site connected by a data channel with a remote transa

A financial and identification card transaction system for protecting transactions between a plurality of cardholders, each having a card, with a machine-readable code imprinted thereon and a card-issuing organization via at least one transaction site connected by a data channel with a remote transaction center, the system which comprises: a card reader disposed at the transaction site for reading the machine-readable code imprinted on the card, the machine readable code including a cardholder code that is unique to each cardholder; a transaction number that uniquely identifies each transaction; a transaction number store included with the card reader for receiving and storing the transaction number from the transaction center; a transaction data input device connected to the card reader for receiving transaction data; a printer connected to the card reader for printing a transaction ticket which includes the transaction number; a center computer disposed at the transaction center having memory for storing transaction data received from the card reader via the data channel; a transaction number generator included with the center computer for generating the transaction number.