The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 23, 1998
Filed:
Oct. 25, 1996
Horst Henn, Boeblingen, DE;
International Business Machines Corporation, Armonk, NY (US);
Abstract
A transaction audit system is disclosed comprising a chip card, for completing a transaction between the holder of the chip card and a transaction partner such as a merchant. During the transaction, a transaction identifier is generated uniquely identifying the transaction. For completing execution of the transaction by posting of the payment amount to the merchants account, the chip card transmits a transaction receiver data record comprising the transaction identifier, and further data, if required, to a third party. To allow auditing the transaction settlement posting accuracy, the transaction provider also transmits a transaction provider data record comprising the corresponding transaction identifier to the third party. The third party is then able compare the receiver data record and the provider data record and identify possible irregularities, such as possible errors or manipulations in the transaction system, or intentional or non-intentional manipulation by the participants to the transaction, particularly the transaction receiver. The transaction identifier identifies both the transaction receiver data record and the transaction provider data record as being data records belonging to the same transaction.