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1. 发明授权

US08050991B2 Electronic balance checking and credit approval system for use in conducting electronic transactions 有权
标题翻译：用于进行电子交易的电子余额检查和信用审批制度
公开(公告)号：US08050991B2
公开(公告)日：2011-11-01
申请号：US11397613
申请日：2006-04-05
申请人： Zoran Popovic , Steven Smashnuk , E. Marcel Oprea
发明人： Zoran Popovic , Steven Smashnuk , E. Marcel Oprea
IPC分类号： G06Q40/00
CPC分类号： G06Q30/00 , G06Q20/10 , G06Q20/40 , G06Q30/02 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： An electronic balance checking and credit approval system includes consumer transaction accounts, tokens, input devices, authentication hardware and software code capable of execution by the hardware, and output devices. The consumer transaction account is held in trust on behalf of a consumer by a credit extending company. The token is specific to and held by the consumer, and includes a consumer account identifier that is associated with the consumer transaction account. The input device receives the consumer account identifier concurrent with a consumer-initiated request for account balance information. The authentication hardware and software code verifies the consumer-initiated request and the consumer account identifier and authorizes access to the consumer transaction account. The consumer interface apparatus provides the consumer with a real-time account balance datum that is currently associated with the consumer transaction account. The system also includes a system and method for securely and quickly approving credit card transactions by comparing generated checksums with stored historical transaction results.
摘要翻译：电子余额检查和信用审批系统包括消费者交易账户，令牌，输入设备，能够由硬件执行的认证硬件和软件代码以及输出设备。消费者交易账户由信用额度公司代表消费者信托。令牌特定于消费者并由消费者持有，并包括与消费者交易帐户相关联的消费者帐户标识符。输入设备接收与消费者发起的帐户余额信息请求并发的消费者帐户标识符。认证硬件和软件代码验证消费者发起的请求和消费者帐户标识符，并授权访问消费者交易账户。消费者接口设备向消费者提供当前与消费者交易账户相关联的实时账户余额基准。该系统还包括一种系统和方法，用于通过将生成的校验和与存储的历史事务结果进行比较来安全快速地批准信用卡交易。

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