최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0257390 (1994-06-09) |
발명자 / 주소 |
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출원인 / 주소 |
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인용정보 | 피인용 횟수 : 306 인용 특허 : 0 |
A point of sale system designed to read information from a consumer\s check, credit card, or manual input with a subsequent debiting of a consumer\s account and crediting a merchant\s account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card wit
A point of sale system designed to read information from a consumer\s check, credit card, or manual input with a subsequent debiting of a consumer\s account and crediting a merchant\s account for the goods or services provided. Point of sale terminals are designed to accept a form of credit card with a consumer\s bank account information encoded thereon or in the alternative to read the MICR number from a consumer\s check in order to verify that a consumer has an appropriate balance to conduct the transaction with a given merchant. Thereafter the transaction of that information is transmitted to a central computer system which verifies the consumer\s credit worthiness and stores the transaction event information for subsequent bank reconciliation via the ACH network. The invention eliminates the need for paper checks with all bank reconciliation being accomplished electronically.
A checkwriting point of sale system comprising: a point of sale terminal adapted to receive consumer bank account information from any bank check; a central computer system; first communications means integral to said point of sale terminal for electronically communicating with the central computer
A checkwriting point of sale system comprising: a point of sale terminal adapted to receive consumer bank account information from any bank check; a central computer system; first communications means integral to said point of sale terminal for electronically communicating with the central computer system; memory means integral to said point of sale terminal for temporarily storing the consumer bank account information; the central computer system having second communication means for receiving information from a plurality of said point of sale terminals; the central computer system second communication means enabling said central computer system to communicate with external databases for performing a consumer bank account status search and further enabling automated clearing house communication for transferring funds without using the bank check as a negotiable instrument.
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