Electronic fund transfer or transaction system
A point-of-sale terminal is provided that includes a financial information reader. The financial information reader is configured to read and receive financial information from a card, such as a debit or credit card, which is associated with at least one account. The point-of-sale terminal further includes an input device, which is configured to receive a request for a select cash amount in excess of an amount of the purchase transaction. The point-of-sale terminal next includes a control system, which is configured to request authorization for payment of the amount of the purchase transaction and the select cash amount on the account. The financial information reader is configured to read and receive the financial information form the card in connection with the request for authorization.
1. A point-of-sale terminal comprising:
a financial information reader configured to receive financial information from a card associated with an account, in connection with requesting authorization of a purchase transaction;
an input device configured to receive a request for a select cash amount in excess of an amount of the purchase transaction; and
a control system configured to request authorization for payment of the amount of the purchase transaction and the select cash amount on the account.
2. The point-of-sale terminal of claim 1 wherein the control system is further configured to:
receive authorization for the payment of the amount of the purchase transaction and the select cash amount on the account; and
dispense the select cash amount.
3. The point-of-sale terminal of claim 1 wherein the input device comprises a display having a graphical user interface.
4. The point-of-sale terminal of claim 1 further comprising:
a communication device configured to transmit the request for authorization from the control system to a remote financial services provider and receive a response from the remote financial services provider.
5. The point-of-sale terminal of claim 1 further comprising:
a display configured to display details of the purchase transaction.
6. The point-of-sale terminal of claim 5 further comprising:
a storage device storing at least user defined transaction information, the transaction information comprising at least one of user defined transactions or user defined transaction parameters; and
wherein the control system is further configured to display a graphical interface on the display comprising transaction choices from the user defined transaction information for the purchase transaction.
7. A point-of-sale terminal comprising:
a display;
a communication device configured to receive user defined transaction information, the transaction information comprising at least one of user defined transactions or user defined transaction parameters; and
a controller device configured to connect to the display and configured to connect to a register that is configured to conduct a purchase transaction, wherein the controller device is further configured to display a graphical interface on the display comprising transaction choices from the user defined transaction information for the purchase transaction.
8. The point-of-sale terminal of claim 7 , further comprising:
a storage device storing at least the user defined transaction information, the user defined transaction information comprising at least one of user defined transactions or user defined transaction parameters; and
wherein the communication device is operably coupled to the storage device to receive the user defined transaction information.
9. The point-of-sale terminal of claim 7 , wherein the communication device is configured to communicate with a remote financial services provider to receive the user defined transaction information.
10. The point-of-sale terminal of claim 7 , further comprising a card reader, wherein the card reader is configured to receive the user defined transaction information from a card and send the user defined transaction information to the communication device.
11. The point-of-sale terminal of claim 7 further comprising a biometric device configured to acquire biometric information; and
wherein the controller device is further configured to:
receive at least first biometric information from the biometric device in connection with the purchase transaction;
request comparison of the first biometric information with second biometric information associated with the user defined transaction information;
determine whether to display the graphical interface on the display, based on the comparison.
12. The point-of-sale terminal of claim 7 , wherein the control system is configured to display the purchase transaction comprising the user defined transaction information on the display using a single screen.
13. A point-of-sale terminal comprising:
a biometric device configured to acquire first biometric information; and
a controller device configured to connect to a register that is configured to conduct a purchase transaction, the controller device configured to:
receive first biometric information from the biometric device;
request that a storage device be searched for second biometric information that matches the first biometric information;
retrieve financial information for an account associated with the second biometric information;
request authorization of payment of an amount of the purchase transaction and a selected cash amount in excess of the purchase transaction on the account.
14. The point-of-sale terminal of claim 13 further comprising a cash dispenser; and
wherein the controller device is further configured to:
receive authorization for payment of the amount of the purchase transaction and the selected cash amount; and
dispense the select cash amount using the cash dispenser.
15. The point-of-sale terminal of claim 13 further comprising the storage device storing at least the second biometric information and the financial information associated with the second biometric information.
16. The point-of-sale terminal of claim 13 further comprising:
a communication device configured to transmit the request for authorization from the controller device to a remote financial services provider and receive a response from the remote financial services provider.
17. The point-of-sale terminal of claim 13 further comprising a display configured to display details of the purchase transaction.
18. The point-of-sale terminal of claim 17 further comprising:
a storage device storing at least user defined transaction information, the user defined transaction information comprising at least one of user defined transactions or user defined transaction parameters; and
wherein the control system is further configured to display a graphical interface on the display comprising transaction choices from the user defined transaction information for the purchase transaction.