公开(公告)号：US5696908A

公开(公告)日：1997-12-09

申请号：US479705

申请日：1995-06-07

申请人： Karl Muehlberger ,  Richard Sinek ,  Michael Hughes

发明人： Karl Muehlberger ,  Richard Sinek ,  Michael Hughes

IPC分类号： G06Q20/00 ,  G07F17/42 ,  G06F17/60 ,  G06G7/52 ,  G06K5/00 ,  H04M11/00

CPC分类号： G07F17/0028 ,  G06Q20/00 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/20 ,  G07F17/42

摘要： Telephone debit cards are automatically vended through a microprocessor controlled vending machine which permits card payment in cash and credit. The customer can select a desired telephone card value and a desired telecommunications carrier. Prepaid and printed cards are dispensed. Optionally, printed receipts are dispensed including an access code and prepaid value. The vending machine generated real-time communications with an electronics funds clearing house for customer validity and funds approval. After electronics transfer of funds to the machine, the telephone debit card is dispensed and funds are electronically transferred to the selected telecommunications carrier via real-time communications with the carrier for electronic transfer of the card value thus permitting immediate use of the telephone card by the customer.

摘要翻译： 电话借记卡通过微处理器控制的自动售货机进行自动售货，从而允许现金和信用卡付款。 客户可以选择所需的电话卡值和期望的电信运营商。 预付费和印刷卡已分配。 可选地，分发打印的收据，包括访问代码和预付费值。 自动售货机与电子资金结算所产生实时通信，以便客户有效性和资金审批。 在将电子资金转移到机器之后，电话借记卡被分配并且资金通过与承运人的实时通信电子地转移到所选择的电信运营商，以电子转移卡值，从而允许立即使用电话卡 顾客。

公开(公告)号：US6032859A

公开(公告)日：2000-03-07

申请号：US929993

申请日：1997-09-15

申请人： Karl Muehlberger ,  Michael Hughes

发明人： Karl Muehlberger ,  Michael Hughes

IPC分类号： G06Q20/04 ,  G06Q20/18 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/36 ,  G07F7/02 ,  G07F7/08 ,  G06K7/08

CPC分类号： G07F7/02 ,  G06Q20/04 ,  G06Q20/18 ,  G06Q20/20 ,  G06Q20/343 ,  G06Q20/363 ,  G07F7/0866

摘要： A customer operated counter-top terminal system activates various debit card transactions, provides secure communications with a host computer database, and issues a decrypted authorization code to the customer. The system consists of a main terminal unit with an alphanumeric display. The main terminal unit carries a CPU, memory, and all interface devices, including a keypad for the entry of Personal Identification Numbers (PIN), plus programmable function keys and a swipe reader for reading various cards. The main terminal unit further includes a printer for printing receipts for use by a customer and retailer. The system also includes a remote hand-held keyboard having a keyboard display, typically to be held by a clerk for providing a level of privacy desirable to the customer. The system permits processing services to merchants, allowing them to accept all credit and ATM cards for the purchase of goods or services provided by their establishment, thus providing the advantage of a guaranteed payment for the merchant.

摘要翻译： 客户操作的台式终端系统激活各种借记卡交易，提供与主机数据库的安全通信，并向客户发出解密的授权码。 该系统由具有字母数字显示的主终端单元组成。 主终端单元携带CPU，存储器和所有接口设备，包括用于输入个人识别码（PIN）的键盘，以及可编程功能键和用于读取各种卡的滑动读卡器。 主终端单元还包括用于打印由客户和零售商使用的收据的打印机。 该系统还包括具有键盘显示器的远程手持键盘，通常由店员保持，以提供对客户所期望的一定程度的隐私。 该系统允许对商家进行处理服务，允许他们接受所有信用卡和ATM卡以购买由他们的机构提供的商品或服务，从而为商家提供有保证的支付的优点。