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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
|
| 출원번호 | US-0664224 (1984-10-24) |
| 발명자 / 주소 |
|
| 출원인 / 주소 |
|
| 인용정보 | 피인용 횟수 : 328 인용 특허 : 0 |
A financial transaction system makes use of an automated terminal or terminals in communication with a host computer which is capable of accessing any of a number of institutionalized or private label credit/debit card data bases, check verification data bases, and institutionalized automated cleari
A financial transaction system makes use of an automated terminal or terminals in communication with a host computer which is capable of accessing any of a number of institutionalized or private label credit/debit card data bases, check verification data bases, and institutionalized automated clearing houses in accordance with records developed at the terminal as interpreted by the host computer. The terminal is capable of entering data identifying the credit/debit card provided by the customer, or the number of an offered check, in combination with financial information supplied by the retail merchant, to access a host computer which organizes the information supplied in addition to accessing the desired data base to determine whether or not the proposed transaction should be accepted or rejected. Operation of the terminal, as complemented by operation of the host computer with which it communicates, also enables the merchant\s financial transactions to be monitored and recorded throughout a given business day, making the host computer available to assist the retail merchant in collecting, organizing, resolving and settling a day\s receipts in automated fashion, for prompt and accelerated payment.
A financial transaction system, for processing data representing a series of transactions requiring authorization from a credit agency which maintains a data base containing information for designating approval or denial of credit transactions, said system comprising: means for entering the data rep
A financial transaction system, for processing data representing a series of transactions requiring authorization from a credit agency which maintains a data base containing information for designating approval or denial of credit transactions, said system comprising: means for entering the data representing each of said series of transactions into the system for authorization, and for journaling at least the data relating to financial amount of each of the transactions entered; means in association with said data base for accessing said data base responsive to data representing an operative transaction among data representing the series of transactions entered; means in association with said data base for receiving authorization information from said data base in response to said accessing, and for displaying said authorization information as part of said processing; and means for capturing journalled data representing complete and incomplete transactions among said series of transactions, for tallying only journalled data representing complete transactions among said series of transactions over a predetermined interval of time as another part of said processing and for closing out the tallied data in preparation for journalling new data over the next predetermined interval of time.
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