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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
|
| 출원번호 | US-0888780 (1992-05-26) |
| 발명자 / 주소 |
|
| 인용정보 | 피인용 횟수 : 324 인용 특허 : 0 |
It is the object of this invention to provide a terminal and system to allow debit and credit card holders the ability to conveniently perform various transactions from their home or office. The terminal is a single device, which has an alphabetic QWERTY keyboard, a numeric touch tone type keypad, m
It is the object of this invention to provide a terminal and system to allow debit and credit card holders the ability to conveniently perform various transactions from their home or office. The terminal is a single device, which has an alphabetic QWERTY keyboard, a numeric touch tone type keypad, miscellaneous other keys, a magnetic card reader, a display, a printer, a modem, and a serial port. The terminal firmware supports various financial transactions including: purchase payment, bill payment, and settlement review. The terminal supports initialization, encryption, transaction generation, transaction transmission and data reception from a host system and receipt printing. A local data base including a transaction log and a profile list are maintained in the terminal memory. The transaction log stores purchase payment information and is stored as a stack and the profile list has entries for each specific bill pay account.
A system including a host computer system for allowing a user to conduct remote point of sale transactions, said system comprising: an unitary terminal having a top surface; a QWERTY alphabetic keyboard for entering alphabetic information integral to said terminal and accessible on said top surface
A system including a host computer system for allowing a user to conduct remote point of sale transactions, said system comprising: an unitary terminal having a top surface; a QWERTY alphabetic keyboard for entering alphabetic information integral to said terminal and accessible on said top surface of said terminal; a numeric keypad for entering numeric information integral to said terminal and accessible on said top surface of said terminal; a magnetic card reader for reading a magnetically encoded card integral to said terminal and accessible on said top surface of said terminal; a display integral to said terminal and visible on said top surface of said terminal; a printer integral to said terminal; a modem for communication on telephone lines integral to said terminal; and control means for operating said terminal and communicating to said host computer system coupled to said QWERTY alphabetic keyboard, said numeric keyboard, said magnetic card reader, said display, said printer, and said modem; first memory means coupled to said control means for storing a transaction log of purchase payment transactions stored as a stack wherein each purchase payment transaction in said transaction log comprises a date and time of said purchase payment transaction, an amount of said purchase payment transaction, an account number of said user, a terminal number of said terminal, a merchant number for said purchase payment transaction, a trace number for said purchase payment transaction, a purchased item identifier for said purchase payment transaction, an account type of said user, a transaction sequence number, an authorization number for said purchase payment transaction, a retrieval reference number for said purchase payment transaction, and a merchant name for said purchase payment transaction; wherein said trace number uniquely identifies a specific user; wherein said account type specifies a specific account of said user; wherein said transaction sequence number is incremented by one for each approved transaction; wherein said authorization number is issued by said host computer system; and wherein said retrieval reference number is generated by said host computer system to aid in tracking a transaction within said system.
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