Distributed on-line money access card transaction processing system
First Claim
1. A distributed on-line money access card transaction processing system comprising:
- A. a customer data-input/service station comprising;
a) at least one customer data-input station comprising;
(1) means for accepting and reading a variety of customer credit and debit bank cards,(2) means for querying, answering and encrypting customer transaction data,(3) a local point of sale (POS) software program the operates the functions of said customer data-input station,(4) means for printing customer transaction receipts, and(5) means for interfacing and communicating with a customer service station,b) the customer service station comprising;
(1) at least one workstation computer having means for receiving and processing the customer transaction data received from said customer data-input station,(2) a local transaction software program that operates the functions of said customer service station,(3) a printer connected to said workstation computer and having means for electronically printing on-demand, a customer'"'"'s check corresponding to the accepted customer transaction,(4) means for interfacing with a credit and debit bank card processing center,B. a credit and debit bank card processing center that receives a transaction from said customer service station and either accepts or rejects the transaction,C. a customer transaction booth where, if a customer transaction is approved by said credit and debit bank card processing center, the customer'"'"'s check is converted to cash upon presentation of customer'"'"'s identification, andD. a distributed on-line money access card transaction processing software that operates said system.
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Accused Products
Abstract
A distributed on-line transaction processing system (10) that functions with to any existing credit card and debit bank card processing center (18). The system (10) consists of a customer data-input station (14), a customer service station (16) and a customer transaction booth (20). The system is operated by a primary distributed on-line transaction processing software (30) and two secondary software programs (32, 34). A system transaction begins when a walk-up customer starts the system by passing a card through a magnetic card reader (14B) located in the customer data-input station (14). The customer enters the requested transaction on a touchscreen unit (14C) and the transaction is sent to the customer service station (16). At the station (16), the transaction is processed and sent to the credit and debit bank card processing center (18) where the transaction is either approved or disapproved. If an approval is given, a check corresponding to the approved amount, is printed on a printer (16C) located in the customer service station (16). The customer then walks up to a customer transaction booth (20) where the check is converted to a cash payment upon proper identification disclosure.
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Citations
20 Claims
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1. A distributed on-line money access card transaction processing system comprising:
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A. a customer data-input/service station comprising; a) at least one customer data-input station comprising; (1) means for accepting and reading a variety of customer credit and debit bank cards, (2) means for querying, answering and encrypting customer transaction data, (3) a local point of sale (POS) software program the operates the functions of said customer data-input station, (4) means for printing customer transaction receipts, and (5) means for interfacing and communicating with a customer service station, b) the customer service station comprising; (1) at least one workstation computer having means for receiving and processing the customer transaction data received from said customer data-input station, (2) a local transaction software program that operates the functions of said customer service station, (3) a printer connected to said workstation computer and having means for electronically printing on-demand, a customer'"'"'s check corresponding to the accepted customer transaction, (4) means for interfacing with a credit and debit bank card processing center, B. a credit and debit bank card processing center that receives a transaction from said customer service station and either accepts or rejects the transaction, C. a customer transaction booth where, if a customer transaction is approved by said credit and debit bank card processing center, the customer'"'"'s check is converted to cash upon presentation of customer'"'"'s identification, and D. a distributed on-line money access card transaction processing software that operates said system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method for implementing a distributed on-line money access card transaction processing system that provides an improved credit card and debit bank card system, said method comprising the following steps:
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a) providing a data-input station that includes a card reader and touchscreen unit or a keypad with an alpha-numeric display, b) passing a credit card or bank debit card across said card reader to initiate a transaction, c) selecting the amount of the transaction, and the method of payment by touching appropriate sections of said touchscreen or the keys on said keypad, d) viewing touchscreen unit to determine if the transaction has been approved or rejected, if a rejection is received, the reason for the rejection is displayed on said touchscreen, or alpha-numeric display, if an approval is received, a check is electronically printed with the approved amount on a printer located in a customer service station, and e) proceeding to a customer transaction booth where the check is presented, with proper identification, afterwhich customer receives a cash payment.
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Specification