Network Bridge for Local Transaction Authorization
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United States of America Patent
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Issued Date -
May 18, 2017
app pub date -
Nov 18, 2015
filing date -
Nov 18, 2015
priority date (Note) -
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status (Latency Note)
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Abstract
In general, the present invention is directed to an apparatus for locally processing stored value card transactions, the apparatus proximate to a retailer point-of-sale (POS) or host, the apparatus in communication with the POS or host and a stored value card processor and configured to: receive a transaction request; determine if the transaction request should be passed through to the stored value card processor or decided upon locally; if the transaction request should be passed through; communicate such request to the stored value card processor, upon receiving a certain response from stored value card processor, or from the attempted communication with the stored value card processor, locally overriding the response of the stored value card processor or deciding upon the transaction request locally; if the transaction request should not be passed through; locally deciding the transaction request; and communicating a transaction request response back to the POS or host.
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