Patent ID: 7693785

Claim:
A method of performing a transaction using a transaction card, the method comprising: accessing a web server of a merchant service provider via an Internet service provider using a transaction device during a transaction involving a transaction card, wherein the transaction device processes a charge card, a credit card, or a debit card, wherein the web server includes commands for processing transaction information associated with the transaction card to obtain authorization from the merchant service provider for the transaction; entering the transaction card into a card reader of the transaction device in order to enter transaction information associated with the transaction card into the web server during the transaction; and entering confirmation of a previously entered transaction dollar value in response to a prompt from the web server, wherein the transaction dollar value is entered via at least one data entry device; wherein the transaction device does not utilize any merchant service provider proprietary software or any merchant service provider proprietary network for the transaction information and confirmation of the previously entered transaction dollar value to be processed to obtain authorization from the merchant service provider for the transaction; wherein the transaction device accesses the web server without accessing any merchant service provider proprietary network.