초록 ▼

A customer operated counter-top terminal system activates various debit card transactions, provides secure communications with a host computer database, and issues a decrypted authorization code to the customer. The system consists of a main terminal unit with an alphanumeric display. The main termi

A customer operated counter-top terminal system activates various debit card transactions, provides secure communications with a host computer database, and issues a decrypted authorization code to the customer. The system consists of a main terminal unit with an alphanumeric display. The main terminal unit carries a CPU, memory, and all interface devices, including a keypad for the entry of Personal Identification Numbers (PIN), plus programmable function keys and a swipe reader for reading various cards. The main terminal unit further includes a printer for printing receipts for use by a customer and retailer. The system also includes a remote hand-held keyboard having a keyboard display, typically to be held by a clerk for providing a level of privacy desirable to the customer. The system permits processing services to merchants, allowing them to accept all credit and ATM cards for the purchase of goods or services provided by their establishment, thus providing the advantage of a guaranteed payment for the merchant.

대표청구항 ▼

[ That which is claimed is:] [1.] A method for processing debit purchase transactions, the method comprising the steps of:providing a counter-top terminal having telecommunications means operable with a computer, at least one keypad for data entry to the computer, a display responsive to the compute

[ That which is claimed is:] [1.] A method for processing debit purchase transactions, the method comprising the steps of:providing a counter-top terminal having telecommunications means operable with a computer, at least one keypad for data entry to the computer, a display responsive to the computer, and a card reader communicating with the computer for modifying purchasing value of a card in response to card use;entering transaction data to the computer through keypad data entry;reading a debit styled card through the card reader for providing card data to the computer;entering a customer authorization code for authorizing access to a customer data base of a host data processor:entering a clerk authorization code for initiating a debit purchase transaction;electronically transmitting a transaction request to the host data processor through the telecommunications means of the counter-top terminal for requesting a response of approval or disapproval from the host data processor;receiving a response from the host computer; anddisplaying the response from the host data processor for the debit purchase transaction on the counter-top terminal display.