Abstract: A customer purchases a voucher by presenting a security card at a point-of-sale terminal (1). The terminal (11) communicates with a remote EPOS host (10) to validate the security data. The host (10) communicates with a transaction processor (30) to generate voucher data. Operations of the terminal (1) are triggered by a program read from the security card together with the security data. The host (10) splits the full voucher data into a first set transmitted to the terminal (1) and a second set transmitted over the air via a gateway (14) to a customer mobile device (20). The host (10) dynamically maintains a voucher database (12) and a security data database (13) in response to ongoing communication with the terminals (1) and the transaction processors (30).

Abstract: A transaction processing system for the real time authorisation of payment transactions, The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorised. When the cardholder initiates a purchase transaction with their credit card, an authorisation request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.

Abstract: A customer purchases a voucher by presenting a security card at a point-of-sale terminal (1). The terminal (11) communicates with a remote EPOS host (10) to validate the security data. The host (10) communicates with a transaction processor (30) to generate voucher data. Operations of the terminal (1) are triggered by a program read from the security card together with the security data. The host (10) splits the full voucher data into a first set transmitted to the terminal (1) and a second set transmitted over the air via a gateway (14) to a customer mobile device (20). The host (10) dynamically maintains a voucher database (12) and a security data database (13) in response to ongoing communication with the terminals (1) and the transaction processors (30).

Abstract: A transaction processing system for the real time authorisation of payment transactions, The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorised. When the cardholder initiates a purchase transaction with their credit card, an authorisation request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.