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Distributed on-line money access card transaction processing system

  • US 5,457,305 A
  • Filed: 03/31/1994
  • Issued: 10/10/1995
  • Est. Priority Date: 03/31/1994
  • Status: Expired due to Fees
First Claim
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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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