초록 ▼

A method of conducting a financial transaction between a purchaser and a vendor of a product, the purchaser and the vendor each having an account held at respective first (A) and second (B) financial institutions. The method requires the provision of at least one vendor database 24 including product

A method of conducting a financial transaction between a purchaser and a vendor of a product, the purchaser and the vendor each having an account held at respective first (A) and second (B) financial institutions. The method requires the provision of at least one vendor database 24 including product-related information, for example regarding the availability and price of a product. A publicly accessible data exchange terminal, typically an automatic teller machine (ATM) 112, is linked to the vendor database. The system then interrogates the purchaser to obtain transaction-related information via the terminal by requiring the purchaser to indicate a number of transaction options. The terminal is linked to the first financial and second financial institutions to provide access to the purchaser's and vendor's accounts. The system then transfers funds electronically between accounts for the value of the transaction. Of course, the first and second financial institutions may be the same financial institution.

대표청구항 ▼

A method of conducting a financial transaction between a purchaser and a vendor of a product, the purchaser and the vendor each having an account held at respective first (A) and second (B) financial institutions. The method requires the provision of at least one vendor database 24 including product

A method of conducting a financial transaction between a purchaser and a vendor of a product, the purchaser and the vendor each having an account held at respective first (A) and second (B) financial institutions. The method requires the provision of at least one vendor database 24 including product-related information, for example regarding the availability and price of a product. A publicly accessible data exchange terminal, typically an automatic teller machine (ATM) 112, is linked to the vendor database. The system then interrogates the purchaser to obtain transaction-related information via the terminal by requiring the purchaser to indicate a number of transaction options. The terminal is linked to the first financial and second financial institutions to provide access to the purchaser's and vendor's accounts. The system then transfers funds electronically between accounts for the value of the transaction. Of course, the first and second financial institutions may be the same financial institution. ted from a set of material location modifiers. 6. A method as in claim 5, in which a default material location modifier is Independent of Material Location (IML). 7. A method as in claim 6, in which: if said datum feature does not straddle a previously fixed primary axis of the DRF, the material location modifier can be at Basic Material Location (BML); and if said datum feature does not have size, the material location modifier can be at Maximum Material Location (MML) or at Least Material Location (LML). 8. A method as in claim 6, in which, for datum features without size, material location increases in a direction of increasing material condition. 9. A method as in claim 5, in which: if said datum feature does not straddle a previously fixed primary axis of the DRF, a default material location modifier is at Basic Material Location (BML); and if said datum feature straddles a previously fixed primary axis of the DRF, the default material location modifier is Independent of Material Location (IML). 10. A method as in claim 9, in which: if said datum feature has size and straddles a previously fixed primary axis of the DRF, the material location modifier can be at BML; and if said datum feature does not have size, the material location modifier can be at Maximum Material Location (MML) or at Least Material Location (LML). 11. A method as in claim 9, in which, for datum features without size, material location increases in a direction of increasing material condition. 12. A method as in claim 5, in which: if said datum feature straddles a previously fixed primary axis of the DRF and does not have size, a default material location modifier is at Maximum Material Location (MML); if said datum feature straddles a previously fixed primary axis of the DRF and has size, the default material location modifier is at Basic Material Location (BML); and if said datum feature has size, or does not have size and does not straddle a previously fixed primary axis of the DRF, the default material location modifier is at Basic Material Location (BML). 13. A method as in claim 12, in which the material location modifier can be Independent of Material Location (IML). 14. A method as in claim 12, in which, if said datum feature does not have size and does not straddle a previously fixed primary axis of the DRF, the material location modifier can be at Maximum Material Location (MML) or at Least Material Location (LML). 15. A method as in claim 12, in which, if said datum feature straddles a previously fixed primary axis of the DRF and does not have size, the material location modifier can be at Least Material Location (LML). 16. A method as in claim 12, in which, for datum features without size, material location increases in a direction of increasing material condition. 17. A method as in claim 5, in which there is no default material location modifier, and the material location modifier is selected explicitly. 18. A method as in claim 1, in which step (a) comprises providing the program to construct the DRF in response to the specification by applying, in order, ORIENT, ALIGN, PIVOT, and SET ORIGIN tools. 19. A method as in claim 18, in which step (a) comprises providing the program to construct the DRF in response to the specification by further applying TRANSLATE and ROTATE tools. 20. A method as in claim 1, in which: step (a) comprises providing the program to construct the DRF in response to the specification by using datum feature simulators whose locations are controlled by the material location modifier; the datum feature simulators are inverses of corresponding datum features; and step (a) comprises providing the program to construct the DRF in response to the specification in accordance with the following rules: RULE OF MATERIAL ORIENTATION--the orientations of datum feature simulators are fixed relative to one another at the basic angles of their corresponding datum features; RULES OF MATERIAL LOCATION --(i) datum feature simulators which do not serve to eliminate roll relative to a previously fixed primary axis of the DRF are fixed at their basic locations relative to previously established datums; (ii) datum feature simulators representing datum targets are fixed at their basic locations relative to previously established datums, whether or not they serve to eliminate roll; (iii) the manner in which datum feature simulators serve to eliminate roll relative to a previously fixed primary axis of a DRF is determined by explicit Material Location Modifiers or by Material Location Modifier defaults; RULE OF MATERIAL CONDITION--datum feature simulators representing datum features with size are fixed at Virtual Material Condition (VMC) if accompanied by Maximum Material Condition (MMC) or Least Material Condition (LMC) modifiers, and will otherwise expand or contract to consume all space inside or outside respective datum features; FIRST RULE OF PRECEDENCE--datum features listed in a Feature Control Frame (FCF) will be used in the order in which they appear; SECOND RULE OF PRECEDENCE--ORIENT, ALIGN, PIVOT, and SET ORIGIN tools will be applied in order; the program will attempt to use each datum feature first to eliminate pitch and yaw, then to eliminate roll, and then to eliminate the three degrees of translational freedom; RULE OF MAXIMUM UTILIZATION--each datum feature must contribute everything it can and may to eliminating the six degrees of freedom of a DRF; RULE OF COMPOSITE FEATURE CONTROL FRAMES--datum features listed in a first tier of a composite feature control frame are empowered to remove both translational and rotational degrees of DRF freedom; datum features listed in a second tier and all lower tiers of a composite feature control frame may only remove rotational degrees of freedom; RULE OF NON-OVERRIDE--no datum features may override degrees of freedom eliminated by previous datum features; RULE OF SIMULTANEITY--all features referenced to a same mobile DRF must meet their requirements simultaneously unless modified by a notation indicating that they are separate; in the case of separate groups of features referenced to the same mobile DRFs defined by second and lower tiers of separate composite feature control frames, the rule of simultaneity applies separately within each group. 21. A method as in claim 1, in which step (a) comprises providing the program to construct the DRF in response to the specification by performing the substeps of: (a1) identifying a next datum feature in the sequence; (a2) determining if pitch and yaw have already been eliminated; (a3) if pitch and yaw have not been eliminated, and if said next datum feature is capable of eliminating pitch and yaw, applying an ORIENT tool to said next datum feature to eliminate pitch and yaw; (a4) determining if roll has been eliminated; (a5) if roll has not been eliminated, and if said next datum feature straddles a previously fixed primary axis of the DRF, applying an ALIGN tool to said next datum feature to eliminate roll using said next datum feature's orientation; (a6) if roll has not been eliminated, and if said next datum feature does not straddle a previously fixed primary axis of the DRF, and if said next datum feature is associated with the material location modifier Independent of Material Location (IML), applying an ALIGN tool to said next datum feature to eliminate roll using said next datum feature's orientation; (a7) if roll has not been eliminated, and if said next datum feature does not straddle a previously fixed primary axis of the DRF, and if said next datum feature is associated with a material location modifier Basic Material Location (BML), Maximum Material Location (MML) or Least Material Location (LML), applying a PIVOT tool to said next datum feature to eliminate roll using said next datum feature's location; (a8) determining if all degrees of translational freedom have been eliminated; (a9) if all degrees o