System for remote purchase payment transactions and remote bill payments
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United States of America Patent
Stats
-
Aug 9, 1994
Grant Date -
N/A
app pub date -
May 26, 1992
filing date -
May 26, 1992
priority date (Note) -
Expired
status (Latency Note)
Importance
Abstract
It is the object of this invention to provide a terminal and system to allow debit and credit card holders the ability to conveniently perform various transactions from their home or office. The terminal is a single device, which has an alphabetic QWERTY keyboard, a numeric touch tone type keypad, miscellaneous other keys, a magnetic card reader, a display, a printer, a modem, and a serial port. The terminal firmware supports various financial transactions including: purchase payment, bill payment, and settlement review. The terminal supports initialization, encryption, transaction generation, transaction transmission and data reception from a host system and receipt printing. A local data base including a transaction log and a profile list are maintained in the terminal memory. The transaction log stores purchase payment information and is stored as a stack and the profile list has entries for each specific bill pay account.
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