Pre-paid activation and replenishment on a point-of-sale device

Details Pre-paid activation and replenishment on a point-of-sale device Pre-paid activation and replenishment on a point-of-sale device

G - Physics

06

K

G06K 15/00 (2006.01) G06Q 40/00 (2006.01)

Patent

CA 2597075

A system and method for processing prepaid financial transactions. The system and method describe the utilization of one or more remote terminals (104) that are adapted to acquire transaction information from a user and transmit a first signal indicative of the transaction information. The remote terminal is further adapted to receive a second signal indicative of authorizing information that is delivered to the user. In addition, an authorizing host (108) is adapted to receive the first signal transmitted by the one or more remote terminals. In one aspect, the authorizing host routes the first signal including the transaction information to an exchange host (156) for approval of the financial transaction, and the exchange host (156) transmits the second signal including the authorizing information to the remote terminal (104) via the authorizing host (108).

L'invention concerne un système et un procédé destinés à traiter des transactions financières prépayées. Le système et le procédé décrivent l'utilisation d'un ou plusieurs terminaux à distance (104) conçus de manière à acquérir des informations de transaction à partir d'un utilisateur et à transmettre un premier signal indicateur de ces informations de transaction. Le terminal à distance est en outre conçu de manière à recevoir un second signal indicateur d'informations d'autorisation délivrée à l'utilisateur. En outre, un hôte d'autorisation (108) est conçu de manière à recevoir la premier signal transmis par un ou plusieurs terminaux à distance. Dans l'un de ses aspects, l'invention concerne un hôte d'autorisation acheminant le premier signal comprenant les informations de transaction vers un hôte d'échange (156) pour approbation de la transaction financière, et l'hôte d'échange (156) transmet le second signal contenant des informations d'autorisation au terminal à distance (104) via l'hôte d'autorisation (108).

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