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Demand deposit account data processing system

  • US 6,189,785 B1
  • Filed: 04/14/1998
  • Issued: 02/20/2001
  • Est. Priority Date: 04/14/1998
  • Status: Expired due to Fees
First Claim
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1. A demand deposit account data processing system comprising:

  • demand deposit account data having a data source, said data source being one selected from the group consisting of at least one network bank database and at least one non-network bank database;

    at least one point of sale terminal adapted to receive said demand deposit account data to initiate a transaction;

    a central computer system;

    first communication means integrated with said at least one point of sale terminal for electronically communicating with said central computer system;

    data storage means integrated with said point of sale terminal for storing said demand deposit account data;

    second communication means integrated with said central computer system for receiving said demand deposit account data from said at least one point of sale terminal and communicating with said network bank database and said non-network bank database;

    whereby said central computer system identifies said data source and, in the case of demand deposit account data for said at least one network bank database, communicates with said at least one network bank database to settle said transaction on line, and in the case of demand deposit account data for said at least one non-network bank database, communicates with said at least one non-network bank database to settle said transaction off line.

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