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Abstract

A transaction execution system including at least one transaction terminal in communication with a host data processing system. A transaction at the terminal is authorized based, at least in part, upon correspondence of personal identification data entered by the terminal operator at a keyboard with account identification data read from an account card. When the personal identification data is not derived from the account identification data, the correspondence check is made at the host data processing system by comparison of encrypted identification data with validation data. The host may, upon failure of correspondence, communicate a conditional authorization message to the terminal, which enables the terminal operator to again attempt to enter the correct personal identification data. The host data base stores as validation data encrypted identification data, and only double encrypted identification data appears on the communication lines.

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First Claim