Automated order and payment system

Abstract: An automated order and payment system for use by consumers to rapidly order products and services from any location at which the consumer is present at the time of ordering. The system receives information about the products/services to be ordered by means of signals generated by scanning identification codes imprinted in advertising media or displayed to a consumer on a television screen. A special version of the invention is modified to accept voice command via a voice recognition means for those physically handicapped persons unable to perform manual data entry tasks. The consumer uses an optical scanning means embodied in a Order Computer Terminal to scan the identification code associated with a company and identification codes associated with the products/services desired. This product and company information is stored in the Order Computer Terminal along with credit information retrieved from a plurality of storage means used on credit cards and subsequently transmitted when desired by the consumer to a Central Computer System. The Central Computer System simultaneously receives information from multiple order computer terminals and verifies that the products or services from the desired company are in fact available. The Central Computer System also verifies the credit worthiness of the consumer by searching for such information from credit data bases. When the Central Computer System determines that the desired products/services are available and that the consumer is credit worthy, an order verification signal is sent to the individual consumer's order computer terminal whereupon the consumer verifies that he/she wishes to order the products/services communicated to the central computer system. Once the consumer verifies the order, the automated order and payment system places the order for the products/services desired and provides the appropriate credit reference to the supplier of the product/service. The automated order and payment system capabilities are more fully set forth herein.

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention This invention relates generally to automated order entry systems and more specifically to electronic communication of orders from a buyer to a seller of products/services. The originality of the invention lies in the integration of existing devices, products and networks to accomplish a unique service which will make the process of buying and selling significantly more efficient. By using electronic communication technologies, this invention will allow the general public, including the visually and mobility handicapped, to place orders, and to pay for and receive merchandise and services, directly from their domiciles. Additionally, the same process will be used for merchant to merchant ordering and sales transactions. 2. Background Several types of electronic data entry systems are described in issued patents. These fall into several classes. Certain data entry systems are caused to record data by an operator pressing a series of keys to allow the operator to enter alpha-numeric data. Other such systems cause data to be entered through use of a manually scanned optical sensor. One such combination unit having both keyboard input and optical scanner input is described in U.S. Patent No. 4,621,189 to Kumar et al. Similarly, U.S. Patent No. 4,578,572 to Hice discloses an apparatus for personal identification which comprises a bar code printer and separate bar code reading apparatus connected to a portable keyboard data input device. Other bar code reading devices have also been disclosed in issued U.S. Patents. In U.S. Patent No. 4,621,259 to Schepers et al. an optical bar code reader connected to a station selecting apparatus in a television set allows a user to select one particular station for viewing. In U.S. Patent No. 4,415,065 to Sandstedt, an apparatus is disclosed containing an optical bar code reader attached to a portable micro-processor for rapid entry of orders in a restaurant or a retail vending facility. In U.S. Patent No. 4,516,016 to Kodron, an apparatus is disclosed that is very similar to the Sandstedt invention for use in recording orders in restaurants that contains an optical bar code reader that is connected to a central processing unit for entry of restaurant orders. In U.S Patent No. 4,608,487 to Awane et al., a bar code reader is used to input information to automated vending machines. In U.S. Patent No. 4,471,218 to Culp, a portable data entry terminal is disclosed containing an optical bar code reader and memory that subsequently transfers the data from the portable unit to a central computer. Optical readers known as "light pens" have also been used to interact with cathode ray tubes ("CRT") to communicate with a central data base to indicate the selection of an option by a user. U.S. Patent No. 3,668,312 to Yamamoto et al., discloses a system whereby a party receiving a television image can use a light pen to indicate a selection of an option. This invention is used in the context of a telephone system. In U.S. Patent No. 4,329,684 to Monteath et. al., a light sensing apparatus capable of sensing either a bar code or the light output in a particular area of a television screen to allow input of information to a central computer is disclosed. Patent No. 3,292,489 to Johnson et al., discloses a system for retrieving information from a database where data is displayed on a CRT with an associated optical code which is scanned by a hand-held optical sensor, which in turn provides information to a database for retrieval of the data required. Portable data storage devices are also disclosed in issued U.S. patents. In U.S. Patent No. 4,525,624 to Pontefract, a data storage device is disclosed that stores information for a salesman, while information is input via a key pad. At the close of each day, the stored data is transmitted via telephone to a central computer. Similarly, in U.S. Patent No. 4,115,870 to Lowell, a hand-held data processing terminal is disclosed that stores data input via a key pad, which device also contains a data transmission circuit to allow information stored to be transmitted over telephone lines to a central computer. In summary, these patents all describe systems, each of which serves only a part of the entire retail cycle of customer demand, supplier filling that demand, payment for goods or services desired and delivery of those goods and services. Many of the above patents describe systems which collect data and transfer data to a central database. None of the patents describe data communication back from the central database to the data collection device in the same process. Additionally, none of the patents address the needs of the visually and mobility handicapped segment of the general public who cannot operate the devices described. Finally, none of the above patents describe a means to account for the credit needs of the public which are an integral part of the vast majority of the purchases made by consumers today. IBM Technical Disclosure Bulletin, Vol. 25 No. 11B April 1983, p.5892-93, discloses a catalog order registration method in which a wand at an interactive terminal reads a bar code printed on the pages of the catalog. Invariant information, such as stock or part numbers, can be entered error-free, leaving only the variable information, such as customer name, quantity, and delivery, to be keyboard entered. The method uses a bar-code reading wand connected to an information processing system to read the product number from the printed catalog. EP-A-0239110 discloses a computer controlled rental and sales system and method for a supermarket and the like which allows a customer to purchase or rent items from a locked cabinet without the intervention of store personnel. The authorized customer first inputs a membership card and a secret number. If these are correct, the system unlocks the locked cabinets, whereby the customer is allowed to examine all of the contents in the unlocked cabinet at his or her leisure. The computer continuously monitors the removal of all items from the unlocked cabinet. The customer reads in identifying information from each of the selected items. The computer prevents the cabinet from being relocked unless the number of items that have been removed equal the number of items that have been read in by the customer. When the number of items equal, the doors of the cabinet are relocked, and the customer is provided with a customer slip indicating the items that have been selected. The system and method can be utilized in a sale or rental context. In the rental context, return of rental items can be performed in parallel with rental of items. High security is achieved without employee monitoring since the customer is held responsible for all items removed during the time that the cabinet is unlocked. US-A-4,567,359 discloses a system for automatically dispensing information, goods and services to a customer on a self-service basis including a central data processing center in which information on services offered by various institutions in a particular industry is stored. One or more self-service information and sales terminals are remotely linked to the central data processing center and are programmed to gather information from prospective customers on goods and services desired, to transmit to customers information on the desired goods or services from the central data processing center, to take orders for goods or services from customers and transmit them for processing to the central data processing center, to accept payment, and to deliver goods or services in the form of documents to the customer when orders are completed. The central data processing center is also remotely linked to terminals of the various institutions serviced by the system, so that each institution can be kept up-dated on completed sales of services offered by that institution. The AFIPS Conference Proceedings 1978, June 5-8, 1978, pages 217-221 generally describes the future of special purpose terminals which are defined as computer input/output devices which are used by people and which have physical and/or functional characteristics that are specialized for a particular application or environment. The areas of use in the field of Special Purpose Terminals includes Point-of-sale applications for retail department and specialty stores, drug and discount stores, supermarkets and service stations. SUMMARY OF THE INVENTION Features of the invention are defined in the accompanying claims. The Automated Order and Payment System of this invention allows consumer transactions for goods and services to take place in a faster and more efficient manner than currently available thereby reducing the cost of selling such goods to consumers. The invention provides a simplified ordering system that eliminates the need for any order form to be filled out by the consumer. It further does not require the consumer to go to the place of sale in order to obtain the merchandise desired. The system comprises three major components: (a) A central computer system ("CCS") with a variety of programs, processing and storage capability and communications capabilities to allow input and output communications with order computer terminals. (b) A product/service identification system consisting of symbols that are presented to the public via print and/or television media. (c) A order computer terminal ("OCT") with means to input data orally, optically, magnetically, electronically, and manually having associated order processing software and communications capabilities allowing receipt of communications from the CCS and further providing output communications to the CCS. The CCS can send data to or receive data from the OCT's or from other computer systems, for the purpose of accepting data transmitted from such terminals or other computers over normal telephone lines, radio, television, satellite, or any other signals from remote locations to the CCS. The CCS can also communicate with other computers using accepted industry protocols. The CCS has various computer software programs that allow product/service order information to be accepted and transmitted from the central computer. Such software will also confirm or deny orders for products based upon records of inventories that have been provided by participating businesses or by sending a query to other computers holding the necessary data records for participating businesses. The CCS also confirms/denies the payment medium chosen by the consumer by communicating with third party systems such as credit card authorization systems or individual businesses. Upon completion of order acceptance and confirmation of payment media, the confirmed order with associated information is sent to the consumer via the communications output means of the CCS. The confirmation information is received by the OCT via its internal communication means and displayed or printed for the consumer. If the order or payment is denied, the CCS sends a denial message to the OCT from the CCS communication means, which message is received by the OCT communication means. Thus the OCT and the CCS communicate with each other via their two-way communications capability. The invention operates through a series of identification codes that uniquely identify the company offering the product/ service for sale and the individual product/service desired. Such identification codes may consist of, but are not limited to, bar codes which represent businesses and products/services being offered. These codes are printed in catalogs, magazines, newspapers and television advertisements, direct mail circulars, and any other medium that might communicate product information to consumers. The OCT comprises data entry and storage and communication capabilities for use by the consumer. The consumer enters identifications data about the company from which he wishes to purchase products/services and data concerning the products/services to be purchased. This information is entered via an optical identification code reader which is manually scanned over an identification code. Information can also be entered manually via a key pad or orally via a voice recognition capability embodied in the OCT, which capability converts the human voice into digital data. The associated key pad or voice recognition capability also is used to input other information relating to the sale. The OCT also has the capability to read magnetic stripes, microchips, and optical storage media that are incorporated in credit cards using a plurality of means embodied in the OCT. The OCT has a capacity to store orders from multiple companies and multiple orders from any given company. A consumer uses the communications capacity of the OCT to transmit the order data via telephone lines, radio signal, or other communications links to the CCS. The OCT also has variable programming means such that it will prompt the user to enter data as required. DETAILED DESCRIPTION OF THE INVENTION The automated order and payment system allows a consumer to place orders for goods and services through use of a order computer terminal ("OCT") that interacts with identification codes and voice commands that specifically identify companies and products/services, which codes appear in advertising media. The system allows rapid entry of orders for products and services without the consumer having to go to the location where such products and services are offered and with a minimum of consumer data entry. The invention consists of widely distributed OCTs and a central computer system ("CCS") that processes the orders and associated credit information that is sent to the CCS from the OCTs. Through use of the OCTs, consumers rapidly enter information concerning the products and services desired with such information subsequently transmitted to the CCS for rapid processing and verification. Referring first to Fig. 1, the OCT consists of an optical reader [1] that a consumer scans across identification codes [12] that may appear in magazine, newspaper, catalog, and televisions advertisements. These codes identify the company providing the product/service, the product/service desired and the price code for the product/service. Information sensed by the optical reader is placed in the OCT memory [7] . The OCT contains an alpha numerical key pad [2] by which a consumer can enter data when necessary and which contains a key for initiating the order process and a key for verifying an order once all data processing concerning that order has been completed. For special applications where a visually or mobility handicapped person used the system, the OCT contains a human voice recognition means and may also contain a speech synthesizing means. The voice recognition means translates voice commands into digital data that is processed and stored in memory. The voice synthesizing means is used in lieu of the visual display thereby prompting the user through the ordering and payment sequence. The OCT also contains a magnetic reading capability [3] that allows a consumer to use the magnetic stripe on a credit card to directly input the information contained therein to the order entry system. In this manner, data can be rapidly entered concerning the credit information of a consumer. The OCT also contains a laser optical reader [4] that optically reads stored data that may be present on a credit card. Such optical data may also contain consumer, and other identifying data. The OCT also contains means to read the data stored in microchips embedded in credit cards [5] . Data stored in microchips will also contain certain consumer identification and credit card information necessary to complete purchase transactions. The OCT also contains means to recognize the speech of an individual in order to enter data orally [6] for those handicapped persons unable to manually use a credit card. The OCT also contains a communications means [8] . This interface allows the OCT to communicate with the CCS via telephone or other communications media (i.e. optical fiber networks, radio frequency transmissions, and satellite communications means). In this way, the OCT can rapidly send information without error to the CCS concerning the order information and information concerning the consumer's credit. The OCT also has an alphanumeric display [9] that informs the consumer that the OCT is operating correctly, that the order has been accepted or rejected, and other information related to communication between the OCT and the CCS. Such information may also be printed via an integral printer means [10] or communicated to a handicapped individual via an integral speech synthesizing means [11] . Finally, the OCT contains both a memory capability and a capability to execute preprogrammed software [7] . This capability allows the OCT to store the software necessary to allow the OCT to interact with the consumer and the CCS. Further, the memory capability allows the OCT to store information presented to it by the optical reader, the key pad, the voice recognition system, the microchip reader, or the magnetic stripe reader which information relates to consumer identification data and to the goods or services desired for subsequent transmission via the communications interface to the CCS. Throughout this application, the credit and order data is referred to as the "order packet." Referring to Fig. 2, The consumer uses the optical reading means of the OCT to read the optical identification codes [20] that are present in media advertising. The consumer first scans the identification code relating to the merchant or service provider. The consumer next scans the identification codes relating to the goods or services that the consumer desires to purchase. In the case of a handicapped individual who cannot use the optical scanning means, the advertising data is input using the voice recognition means [6]. (Note: Throughout this specification, optical identification codes are exemplified as the input data. Data input capabilities of this inventions are in no sense so limited but should be viewed broadly. Indeed, it is a key aspect of this invention to provide alternative means of advertising and credit data input for those handicapped persons unable to handle a credit card or an optical identification code reader.) In the situation where a handicapped consumer is ordering, that person will activate the OCT by a voice command and enter company data and product/service data orally. Company and product/service data will be presented to the handicapped public via media that has been customized to meet the specialized needs involved. Software in the OCT interprets the optical identification code or orally input information [21] thereby obtaining company identification data, product or service identification data, and prices for the goods or services desired. After interpretation of this data, the information is stored [22] in the OCT memory and is either displayed [23] or confirmed by the voice synthesizer for the consumer. After company, product and price data is entered, the OCT prompts the consumer to enter a credit card [24] to be used for the transaction. If handling a credit card is not possible for the handicapped person, credit data can be pre-stored in the OCT memory at the time the unit is provided to the handicapped person, thereby allowing such data to be transmitted without physically handling a credit card. The credit card data is accepted [25] and information is acquired concerning the consumer's name, address, credit card number, type of credit card, and preferred delivery day, time and address for delivery. This information may be extracted from any of the various types of credit cards having integral data storage capability (i.e. chip card, laser optical card, magnetic card). Data extracted and interpreted from the consumer's credit card is stored in the OCT memory [26] and displayed for the consumer [27] on the OCT alphanumeric display or printed as desired [28] or verified orally via the speech synthesizing means [29] . After all data is stored, the consumer activates the OCT communications means [8, 29A] that allows the OCT to communicate with the CCS concerning the proposed sale of goods or services. The OCT memory now contains credit authorization information, total purchase price, company identification, a list of the products/services desired, the consumer's name and address, the delivery address, and the date and time for delivery. Referring to Fig. 3, the CCS receives the order packets over a variety of transmission media (e.g., telephone line, optical fiber transmission lines, satellite data link) from OCTs via the OCT communications module [30] . This module contains the hardware and software necessary to receive order and credit information from OCTs when a consumer sends such information. The incoming order packet process causes the order packet data to be divided into order data [31] that is, the information relating to the merchant, identification of the goods or services, and the amount of items desired. This information then is subjected to the order data processing software [32] of the CCS. In a similar fashion, the credit data [33] is separated from the incoming order packet information. This credit data contains the credit authorization data and other information relevant to the credit card in use, and the total price of the goods or services desired. This information is then subjected to the credit data process [34] of the CCS. Referring next to Fig. 4, the CCS takes the order data information and determines if the order data may be further processed by using a local database internal to the CCS, or if the CCS must send such data to external merchant/supplier databases [40] . If the order information is not kept locally in the CCS, the CCS will activate the order communications module [41] which will in turn communicate with the external merchant/supplier database [42] . Once the external database has determined that the goods or services are available, it communicates with the CCS order communications module notifying the CCS that the order has been accepted or not [44] . Such information is subsequently provided to the order acceptance process of the CCS (Fig. 6). If the order data processing of the CCS determines that the product or service is represented in the CCS internal database of products and services [43] , the CCS determines if the product of service is available in the desired quantity and/or at the desired time. The CCS verifies that inventory is present at the merchant/supplier, verifies the price of the goods or services desired, calculates the applicable tax, and confirms the delivery date and time desired. If the order information can be so fulfilled according to the database, the order accepted. If the database indicates the order cannot be satisfied it is rejected [44] and such information (acceptance or rejection) is communicated to the order acceptance process of the CCS (Fig. 6). Referring to Fig. 5, credit data that is separated during the order packet process is sent to the credit processing software of the CCS. The credit data [33] containing the information on the consumer, the type of credit card in use, the credit limits of the card (collectively the authorization data [50] ), and the total purchase price [51] are divided into the data format necessary to communicate with the external credit database in question. The CCS credit communication module [52] allows this interaction with the external credit authorization network [53] to take place. Once the external credit authorization network has reviewed the authorization and total price data, it communicates its determination back to the CCS via the credit communications module [52] . The CCS credit data processing software takes the incoming credit data and determines if the credit for the individual in question has been approved [54] . The results of this credit approval process are communicated to the CCS order acceptance process (Fig. 6). Referring next to Fig. 6, the CCS order acceptance process makes two determinations. First, the CCS determines if products/services are available [60] . If not, the order is rejected [62] and the CCS so communicates to the OCT via the OCT communications module [30] . If the product or service is available, the CCS determines if credit for the purchase has been approved. If credit has not been approved, the order is rejected [62] and the rejection is communicated to the OCT via the OCT communications module [30] . If credit has been approved, the CCS proceeds to the order acceptance sequence [63] and communicates the order acceptance and confirming information to the OCT via the OCT communications module [30] . Because the CCS contains internal databases of products and services, it also performs an inventory management service to those merchants who subscribe to the automated order and payment system. Thus an added capability of the invention is to provide merchants with inventory reports concerning their goods shipped and on hand as well as other inventory control features. In summary, this process selects the merchant/supplier, confirms the availability of inventory to fulfill the sale, confirms the price, method of payment, and credit status of the consumer as well as the delivery date and method of delivery. How To Use When a consumer wants to place an order for products/ services the consumer activates the OCT by pressing a function key on the OCT key pad. The consumer is then prompted through a series of steps that are displayed on the OCT display screen. These steps lead the consumer through the process required in order to complete an order. Referring to Fig. 7, these steps include but are not limited to the following: 1. Press the function key to activate the OCT [70] . 2. The consumer is prompted to scan the optical reader over the company identification code printed or transmitted in the advertisement [71] . 3. The consumer is next prompted to scan the optical reader over the product(s) identification code(s) listed in the advertisement and which the consumer desires to order [72] . 4. The consumer is prompted to enter the form of payment using the payment input means of the terminal. For example the user is directed to pass a credit card through the magnetic stripe reader of the terminal [73] . It is important to note that step 4 is accomplished by the OCT reading such information from the credit card in use. Such information will be present in the magnetic stripe, optical storage media or microchip on the credit card in use. It is an objective of this invention to provide a means of reading all such credit cards. 5. The consumer is next prompted to enter data concerning the address to which the consumer wishes the goods to be shipped if different from that stored on the credit card in use. This information is entered via the alphanumeric key pad of the OCT [74] . 6. When this order entry process is completed, the consumer activates the communication capability of the OCT by causing the OCT to be connected to a telephone system or other transmission medium and depressing a "send" key [75] . At this point the OCT will dial a preprogrammed telephone number and transmit the order to the CCS. The information containing the order or orders, payment method, shipping addresses, and preferred method of delivery for each order (the order packet) is then processed by the CCS. 7. The CCS, via its internal software, accepts the order packet data [76] , divides the data into order data [77] and credit data [78] performs the necessary analysis and communications to accept or reject the order [79] , communicates the results to the OCT in question [80] . 8. Once the order acceptance is communicated to the OCT, the consumer has a final opportunity to place the order or reject it [81] by so notifying the CCS via the OCT keypad input. 9. If the order is accepted by the consumer, it is placed by the CCS [82] . 10. Once the order is placed, it is subsequently delivered to the consumer, or is filled for consumer pick-up on the date and at the time desired. How to Use when Visually and/or Mobility-Handicapped When a handicapped consumer wants to place an order for products/services, the consumer performs the following actions: 1. Activate the OCT by speaking an appropriate command into the OCT microphone [70] . 2. The consumer is prompted by the OCT voice synthesizer to orally enter the company name that has been obtained from the advertising source that has been modified for use by the handicapped [71] . (e.g., Braille imprinting). 3. The consumer is prompted by the OCT voice synthesizer to orally enter the products/services and the price of those products and services desired [72] . 4. The consumer is prompted by the OCT voice synthesizer to orally enter the form of payment using the payment input means of the OCT. For example, the user is prompted to pass a credit card through the magnetic stripe reader of the OCT [73] . If the consumer is unable to perform this task because of a particular handicap, the consumer will use the voice input means of the OCT to describe the payment method. Any special payments arrangements can be programmed into the OCT memory during the installation process. The remaining operations of the product ordering and approval process proceed in the same fashion as previously described. Input and output during the ordering process can be achieved with any of the above described input or output sources (i.e. printer, voice synthesizer, alphanumeric display).

Claims: An automated order and payment system of a type suitable for home use, which comprises: a plurality of remote programmable data input-output terminals and a central data processor, each one of said plurality of remote terminals comprising: an optical reader (1) for optically scanning and producing first data representative of visually displayed product or service identification code information (12); a payment card reader (3,4,5) for inputting payment card information stored in any one of a plurality of user's different payment cards, including means for producing second data representative of such payment card information; integral memory means (7) for temporarily storing the first data representative of the optically scanned identification code information (12) and the second data representative of the payment card information, said first and second data being temporarily stored in said memory (7) until a user chooses to initiate a purchase transaction (29A); and integral communication means (8) for transmitting the first and second data to said central data processor, subsequent to storage of the first and second data in the integral memory means after said user chooses to initiate said purchase transaction (29A); and additional integral memory means (7) for storing computer programs for controlling operation of at least the optical reader, the payment card reader, the integral memory means and the integral communication means; said central data processor comprising: first central communication means (30) for receiving the transmission of the first and second data from the integral communication means (8) of the remote terminals; order confirmation means (31,32) for providing to the respective remote terminal, subsequent to receipt of a payment authorisation from an external database (53), a request for the user's confirmation that an order for a product or service represented by the first data should be completed; and wherein the payment card reader (3,4,5) of at least one of said remote terminals comprises a microchip reader (5) for reading information from microchips embedded in payment cards. The automated order and payment system according to Claim 1 wherein the payment card reader of at least one of said remote terminals comprises a magnetic reader (3) for reading information from magnetic stripes on payment card. The automated order and payment system according to Claim 1 wherein the payment card reader of at least one of said remote terminals comprises a laser optical data reader (4) for reading information that is optically stored on payment cards. The automated order and payment system according to Claim 1 wherein the payment card reader of at least one of said remote terminals comprises speech processing means (6) for causing oral instructions to be stored and used as at least one of the first and second data. The automated order and payment system according to Claim 1 wherein the first central communication means communicates with multiple remote programmable data input/output terminals over a plurality of transmission media. The automated order and payment system according to Claim 1 wherein the central data processor further includes a database (43) of information concerning availability of products and services for merchant/suppliers of said products and services. The automated order and payment system according to Claim 6 wherein the central data processor further includes means for providing a message to a remote terminal indicating rejection of an order, or part of an order, based upon availability/non-availability of the products or services corresponding to the first data. A process for an automated order and payment system of a type suitable for home use in which a plurality of remote programmable data input-output terminals and a central data processor are used to input data, each of said data input-output terminals including a first integral memory (7); an integral communication device (8); an optical reader (1); a payment card reader (3,4,5); and a second integral memory (7) storing computer programs for controlling operation of at least the optical reader, the payment card reader, the first integral memory and the integral communications device; the process comprising: optically scanning and producing first data representative of visually displayed product or service identification code information (12); inputting payment card information stored in any one of a plurality of user's different payment cards, and producing second data representative of such payment card information; temporarily storing, in said first integral memory, the first data representative of the optically scanned identification code information (12) and the second data representative of the payment card information said first and second data being temporarily stored in said first integral memory until a user chooses to initiate a purchase transaction (29A); and transmitting, using said integral communication device, the first and second data to said central data processor, subsequent to storage of the first and second data in said first integral memory after said user chooses to initiate said purchase transaction (29A); and receiving, in a first central communication device (30) of said central data processor, said first and second data from the integral communication means of the remote terminals; receiving payment authorization from an external database (53) ; and sending a request to the respective remote terminal requesting order confirmation from the user that an order for a product or service represented by the first data should be completed; wherein the payment card reader of at least one of said remote terminals comprises a microchip reader for reading information from microchips embedded in payment cards.

Inventors: GOROG JONATHAN M, GOROG, JONATHAN M.
Applicants: VISA INT SERVICE ASS, VISA INTERNATIONAL SERVICE ASSOCIATION
Application year: 1990
Main classification: G06F17
IPC codes: G06Q10, G07G1, G07F7