Patents by Inventor Elvis W. Boggan
Elvis W. Boggan has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 4943707Abstract: An improved system is disclosed for detecting invalid transaction cards at remote transaction terminals. The system includes providing each terminal with a master table having data corresponding to invalid cards. The data in the master table is less than the actual account numbers of the invalid cards. By using a compressed version of the data, the file can be shortened to facilitate storage and transmission. The compressed data file is arranged such that when an invalid card is presented, it will be identified and routed on for further processing. In the preferred embodiment, the probability that a valid card will be identified as potentially invalid is on the order of one to three percent. During each transaction, the master table is supplemented with information about the account number of the transaction card presented for the purchase. In this manner, any subsequent use of the card will be routed for additional processing.Type: GrantFiled: January 10, 1989Date of Patent: July 24, 1990Assignee: Visa International Service AssociationInventor: Elvis W. Boggan
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Patent number: 4908521Abstract: An improved system is disclosed for detecting invalid transaction cards at remote transaction terminals. The system includes providing each terminal with a master table having data corresponding to invalid cards. The data in the master table is less than the actual account numbers of the invalid cards. By using a compressed version of the data, the file can be shortened to facilitate storage and transmission. The compressed data file is arranged such that when an invalid card is presented, it will be identified and routed on for further processing. In the preferred embodiment, the probability that a valid card will be identified as potentially invalid is on the order of one to three percent. During each transaction, the master table is supplemented with information about the account number of the transaction card presented for the purchase. In this manner, any subsequent use of the card will be routed for additional processing.Type: GrantFiled: January 10, 1989Date of Patent: March 13, 1990Assignee: Visa International Service AssociationInventors: Elvis W. Boggan, Carl M. Campbell
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Patent number: 4870259Abstract: An improved system is disclosed for detecting invalid transaction cards at remote transaction terminals. The system includes providing each terminal with a master table having data corresponding to invalid cards. The data in the master table is less than the actual account numbers of the invalid cards. By using a compressed version of the data, the file can be shortened to facilitate storage and transmission. The compressed data file is arranged such that when an invalid card is presented, it will be identified and routed on for further processing. In the preferred embodiment, the probability that a valid card will be identified as potentially invalid is on the order of one to three percent.Type: GrantFiled: January 6, 1989Date of Patent: September 26, 1989Assignee: Visa International Service AssociationInventors: Elvis W. Boggan, Carl M. Campbell
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Patent number: 4822985Abstract: An improved system is disclosed for detecting invalid transaction cards at remote transaction terminals. The system includes providing each terminal with a master table having data corresponding to invalid cards. The data in the master table is less than the actual account numbers of the invalid cards. By using a compressed version of the data, the file can be shortened to facilitate storage and transmission. The compressed data file is arranged such that when an invalid card is presented, it will be identified and routed on for further processing. In the preferred embodiment, the probability that a valid card will be identified as potentially invalid is on the order of one of three percent.Type: GrantFiled: January 6, 1987Date of Patent: April 18, 1989Assignee: Visa International Service AssociationInventors: Elvis W. Boggan, Carl M. Campbell, Jr.
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Patent number: 4812628Abstract: The subject invention relates to a transaction system wherein the issuer of transaction cards can regulate the type of authorization requests transmitted from the point of transaction. The system includes a plurality of transaction cards, each of which are provided with risk assessment data associated with each cardholder. The system further includes a plurality of terminals, each terminal having the ability to read the information placed on the transaction cards. In operation, the risk assessment data is used to generate a pending transaction limit. The amount of the transaction is compared to the pending transaction limit by the terminal. If the transaction is approved, the terminal will issue an automatic, off-line authorization. If the transaction does not fall within the approval range, the terminal will function to transmit the transaction information to the issuer for evaluation. The issuer can then determine whether to authorize the transaction based on its own data base.Type: GrantFiled: March 27, 1987Date of Patent: March 14, 1989Assignee: Visa International Service AssociationInventors: Vincent Boston, Elvis W. Boggan, Einar L. Asbo
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Patent number: 4734564Abstract: The subject invention relates to a transaction system wherein the issuer of transaction cards can regulate the type of authorization requests transmitted from the point of transaction. The system includes a plurality of transaction cards, each of which are provided with risk assessment data associated with each cardholder. The system further includes a plurality of terminals, each terminal having the ability to read the information placed on the transaction cards. In operation, the risk assessment data is compared to the transaction amount by the terminal. If the transaction is approved, the terminal will issue an automatic, off-line authorization. If the transaction does not fall within the approval range, the terminal will function to transmit the transaction information to the issuer for evaluation. The issuer can then determine whether to authorize the transaction based on its own data base.Type: GrantFiled: May 2, 1985Date of Patent: March 29, 1988Assignee: Visa International Service AssociationInventors: Vincent Boston, Elvis W. Boggan, Einar L. Asbo