MXPA04009704A

MXPA04009704A - Systems and methods for performing transactions at a point-of-sale.

Info

Publication number: MXPA04009704A
Application number: MXPA04009704A
Authority: MX
Inventors: Singleton Jeffrey
Original assignee: First Data Corp
Priority date: 2002-04-03
Filing date: 2003-04-02
Publication date: 2005-07-14
Also published as: WO2003088005A3; AU2003222656A1; NZ535788A; EP1573442A2; CA2481075A1; CN1871613A; WO2003088005A2

Abstract

A point-of-sale device useful in relation to a variety of circumstances and/or utilization methods. Various implementations of such point-of-sale devices are disclosed. For example, one particular point-of-sale device includes a base unit adapted for performing merchant functions and a peripheral unit adapted to perform customer functions. The base unit can include a base unit housing with a processor disposed therein and capable of supporting a variety of transaction types.

Description

WO 03/088005 A2 ?? G ???; M I G? II! 1111 i? 11 J i MI 111 'I? ? II II l¡j! 111 [|? ! G I '! I illl Burasian patent (AM, AZ, BY, G, KZ, MD, RU, TJ, TM), For two-leler codes and other abbrevialions, refer to the "G id- European patenl (AT, BE, BG, CH, CY , CZ, DE, DK, EE, ance Notes on Codes and Abbrevialions "appearíng al the begin- ES, FI, FR, GB, GR, HU, IE, IT, LU, MC, L, PT, RO, ning of each regular issue of the PCT Gazetle SE, SI, SK, TR), OAPI pa! ent (BE, BJ, CF CG, Cl, CM, GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG). Published: - wilho t inlernalional search reporl and lo be repubiished upon receipt of that reporl 1 SYSTEMS AND METHODS TO MAKE TRANSACTIONS IN A POINT OF SALE CROSS REFERENCES TO RELATED REQUESTS This application is a continuation in part of the US patent application Serial No. 09 / 634,901 entitled "POINT OF SALE PAYMENT SYSTEM", filed on August 9, 2000 by Randy J. Templeton et al., Which is a Non-Provisional US Provisional Application No. 60 / 147,899, entitled "INTEGRATED POINT OF DEVICE FOR SALE", filed on August 9, 1999 by Randy Templeton et al., the descriptions of which are incorporated herein by reference for all purposes In addition, this application is related to the application of US patent application No. 10 / 116,733 (Proxy No. 20375-002412), entitled "Systems and Methods for Deploying a Point-of-Sale System", patent application of US No. 10 / 116,686 (Proxy No. 20375-002413), entitled "Systems and Methods for Using a Point of Sale System," and US Patent Application No. 10 / 116,735 (Proxy No. 20375-002414) ), entitled "Systems and Methods for Configuring a Point of Sale System", all of which are incorporated herein by reference for all purposes and were presented on the same date as the same. 2 BACKGROUND OF THE INVENTION This invention relates to point of sale devices and point of sale transactions. More particularly, this invention relates to an integrated point-of-sale device capable of facilitating transactions associated with one or more transaction systems. In the sale of items by a merchant to a customer, point of sale devices are used by the merchant to complete a transaction. For example, a common cash register can be used to track the cost of purchased items, accept cash payments, and return the appropriate amount of changes. In some cases, said cash register may be used in conjunction with a credit card reader. More particularly, the merchant can present a total amount due at the cash register, pass the credit card through a card reader to charge to the customer's account, and in turn the cash register recognizes the payment by the credit card . Although there are devices to complete such transactions, the functionality of such devices is absolutely limited. In addition, such devices are typically limited to access records maintained by a merchant. In this way, for example, it may be impossible for a merchant to determine if a credit card offered for payment is a stolen card. In some cases obtaining additional functionality to, for example, determine if a credit card has been stolen, can be achieved by installing additional equipment to the cash register. This additional equipment typically must be individually installed, configured and maintained. This aspect is very expensive and inefficient. In addition, this aspect of using independent devices requires that a merchant is interconnected between each of the devices which requires additional costly training. Furthermore, a number of useful functions for both commercial and customers can not be facilitated using systems and methods known in the art. For the above reasons, there is a need for a point-of-sale payment terminal and methods to use so as to overcome the limitations of the current technique. Therefore among a number of other obvious advantages from the following description, the present invention provides systems and methods for addressing the above-mentioned limitations in the current art.

COMPENDIUM OF THE INVENTION A useful point of sale device in relation to a variety of circumstances and / or methods of use. Various implementations of such point-of-sale devices are described herein. For example, a particular point of sale device includes a base unit adapted to perform merchant functions 4 and a peripheral unit adapted to perform customer functions. The base unit may include a base unit housing with a processor disposed therein and capable of supporting a variety of transaction types. As will be appreciated upon reading the detailed description, said point of sale devices can be configured in a variety of ways and incorporate a variety of different components. In addition, such components can be integrated in a single device, in a base unit and in a peripheral unit, or in a device that can be modified with added circuit boards and / or plug components. In a particular embodiment of the invention, the point of sale device includes a base unit adapted to perform merchant functions at a point of sale. The base unit includes a base unit housing and a processor therein. The processor is configured to process a plurality of transaction types, wherein one of the plurality of transaction types is a check acceptance transaction. The point of sale device further includes a peripheral unit adapted to perform customer functions at a point of sale and in communication with the base unit. In various embodiments, the peripheral unit is linked to the base unit through a physical connection, while in other embodiments, the peripheral unit is in communication with the base unit through a wireless connection. In some cases, the base unit may include a docking station and the peripheral unit is adapted to dock within the docking station. Several other modalities include a document slot within the base unit housing to accept documents. In addition, the embodiments may include a magnetic, magnetic ink character recognition reader incorporated in the base unit, positioned with respect to the document slot, and adapted to read a magnetic ink character string in the document when the document is inserted inside the document slot. Still further, the base unit may include a document image former placed with respect to the document slot and adapted to capture an image of the document when the document is inserted into the document slot. In addition, some embodiments include one or more printers configured to print on a document received within the document slot. Such printers can be of different types, including roller printers and slip printers. In some embodiments, a combination of the aforementioned components is incorporated within the point of sale device. In such embodiments, printers and / or document image formers may share a common paper transport mechanism. In particular embodiments, point of sale devices include one or more biometric devices. Said biometric devices can be deployed in either or both of a peripheral unit and a base unit. Such biometric devices may be finger printing devices, retinal devices, voice identification, face recognition, and the like. In some cases, biometric devices are used to validate access to the point-of-sale device. In various embodiments, the point of sale device includes a magnetic strip writer. In several cases, the magnetic strip writer is associated with a card issuer to distribute one or more types of stored value cards. In some cases, said stored value cards are gift certificates for a retail seller not related to the point of sale device. In particular cases, a point-of-sale device according to the present invention can also print said gift certificates to be provided to a consumer who interacts with the point-of-sale device. Furthermore, in some cases, several point of sale devices according to the present invention can redeem said gift certificates. The reimbursement may include inserting the gift certificate into the point-of-sale device and reading it with a document image maker. The image can be analyzed to determine the veracity and value of the gift certificate, the same value being exchanged for related items or services. In other cases, said card issuer is separated from any magnetic strip writer. The stored value cards used in connection with the point of sale device may include telephone cards, 7 gift cards, and the like. In some embodiments, the point of sale device includes a modem located within the housing of the base unit and in communication with a processor. In other embodiments, communication with the point of sale device is provided through an external communication interface in communication with the processor. In particular embodiments, the processor is further configured to receive and process Internet communications through the external communications interface. In another embodiment of the present invention, the point of sale device includes a housing with an external communications interface located therein. In addition, the point of sale device includes a processor disposed within the housing and in communication with the external communications interface. Said processor can be configured to process a plurality of transaction types at a point of sale and receive and process Internet communications through the external communications interface. In various embodiments, the point-of-sale device includes a display and a keyboard in housing, both in communication with the processor. In other embodiments, the point of sale device includes a document slot adapted to receive a document and a magnetic ink character recognition device positioned with respect to the document slot and adapted to read a magnetic ink character string. over a document when the document is inserted into the document slot. In some cases, the point of sale device also includes a peripheral unit interface located in the housing and in communication with the processor. The peripheral unit interface can be configured to provide communication with a peripheral unit adapted to perform customer functions. In another embodiment, the point of sale device includes a base unit adapted to perform merchant functions at a point of sale, and a peripheral unit in communication with the base unit and adapted to dock with the base unit. The base unit includes a base unit housing with a document slot adapted to receive a document, a processor disposed within the housing of the base unit and configured to process a plurality of transaction types, and an INTA character recognition device. magnetic field positioned relative to the document slot and adapted to read a magnetic ink character string on the document when the document is inserted into the document slot. The base unit also includes an integral docking station with the base unit housing. The peripheral unit includes a peripheral unit housing with a display unit therein. In another modality more, a method for processing a transaction is described. The method includes capturing information related to the transaction at a point of sale with a peripheral unit. The information is required for at least one of a plurality of predefined authorized transaction types that includes verification processing. The information is transmitted to a locally placed base unit with respect to the peripheral unit and the transaction is processed in accordance with at least one of the predefined authorized transaction types using the transmitted information. In some aspects, the transmission of the information to the base unit is carried out wirelessly, while in other aspects, the transmission is made through a cable connection or a berthing station. In some aspects, the capture of information in relation to the transaction includes electronically capturing a client's signature through a touch screen presentation. In other aspects, the capture of information in relation to the transaction includes capturing data numbers of a keyboard associated with the peripheral unit. In still other aspects, the capture of information in relation to the transaction includes reading a magnetic strip with a magnetic strip card reader associated with the peripheral unit. In still other aspects, the capture of information in relation to the transaction includes reading a smart card with a smart card reader associated with the peripheral unit. In several aspects, the method also includes gathering additional information regarding the transaction through the base unit. Said additional information is also required for 1 or at least one of the predefined authorized transaction types. In some aspects, the gathering of additional information includes reading a magnetic ink character string from a document with a magnetic ink character recognition reader associated with the base unit. The compendium provides only a general summary of the embodiments according to the present invention. Many other objects, features and advantages of the present invention will be more readily apparent from the following detailed description, the appended claims, and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS A further understanding of the nature and advantages of the present invention can be realized by reference to the drawings, which are described in remaining portions of the specification. In the drawings, similar reference numbers are used throughout the various figures to refer to similar components. In some cases, a sub-label consisting of a lowercase letter is associated with a reference number to denote one of the many similar components. When reference is made to a reference number without specification to an existing sub-label, it means that it refers to all the multiple similar components. Figure 1 illustrates a multiple function transfer system 11 according to one embodiment of the present invention; Figure 2 is a logic block diagram of a point of sale device according to an embodiment of the present invention; Figure 3 is a schematic diagram of components included in an embodiment of a point-of-sale device according to the present invention; Figures 4A-4F show perspective views of mechanical representations of point of sale devices according to the various embodiments of the present invention; Figure 5A illustrates a stored value card system operating in the central function controls of Figure 1 and in accordance with some embodiments of the present invention; Figure 5B is a flow diagram illustrating a method for accessing the stored value card system of Figure 5A using a point-of-sale device according to an embodiment of the present invention; Figure 5C illustrates a telephone card system operating as such in the central function controls of Figure 1 according to one embodiment of the present invention; Figure 5D is a flow chart illustrating a method for enabling a point-of-sale device to access the telephone card system of Figure 5C according to the embodiments of the present invention; Figure 5E is a flow chart illustrating a method 12 for issuing and using telephone cards in accordance with the present invention; Figure 6 illustrates one embodiment of a value transfer system used in relation to a point of sale device according to embodiments of the present invention; Figure 7 illustrates a central function control, associated with the value transfer system of Figure 6, and in accordance with an embodiment of the present invention; Figure 8 illustrates an income or lacing system displayed in relation to point of sale devices and in accordance with one embodiment of the present invention; Figure 9 illustrates a method according to the present invention for using the revenue or fitting system of Figure 8 in relation to a point-of-sale device; Figure 10 illustrates a loyalty system operated in relation to a point-of-sale device according to an embodiment of the present invention; "Figure 11 is a flowchart of the loyalty system of Figure 10. Figure 12A is a block diagram of a loyalty host as illustrated in Figure 10. Figure 12B is a functional diagram of the loyalty system. Figure 10: Figures 13A-13B are flow diagrams of methods 13 used in relation to the loyalty system of Figure 10, Figure 14 illustrates a check acceptance system exceeded in relation to a point of sale device and according to embodiments of the present invention: Figure 15A illustrates a method according to embodiments of the present invention for enabling access to the check acceptance system of Figure 14 through the point of sale device, and Figure 15B illustrates the operation of the check acceptance system of Figure 14 in relation to a point-of-sale device, and in accordance with embodiments of the present invention.

DETAILED DESCRIPTION OF THE INVENTION I. General View Several modalities of the present invention are directed to a Point of Sale system ("POS") configured to facilitate a variety of transaction types for customers in a convenient manner. In some embodiments, the POS system comprises an integrated POS device while, in other embodiments, the POS system comprises a base unit and a peripheral unit. In such embodiments, certain features of the system are distributed between a POS base termination and a peripheral POS termination instead of being common to the integrated device as they are in those embodiments that use the integrated device. For example, components that may be part of the POS base terminal include, but are not limited to, a presentation, a numeric keypad, a magnetic strip card reader, an integrated roller printer, an integrated slip printer, other types of printers, a magnetic ink character recognition reader ("MICR"), a smart card reader, a document image maker, connection ports and / or communication including ethernet and communications USB, a modem, a microphone, a speaker, a touch screen, a card issuer, an operating system, software and circuit cards, such as sound cards and / or I / O cards. In addition, interfaces can be provided to connect with an external monitor and / or keyboard. In different embodiments, the POS base terminal comprises all or some of these components. Such components allow the end of POS base to be used by merchants to process multiple types of electronic payment and other transactions, including credit transactions, debit transactions, check transactions, money transfer transactions, money order sales, payments invoice, customer program administration, coupon issuance, coupon acceptance, issuance of stored value cards, fraud detection, associated with a variety of transaction types, and other of these functions. In particular embodiments, a bidirectional printer 15 is included with the POS device. This bidirectional printer is capable of printing from left to right, from right to left, and vertically in one or both directions. Such bidirectional printing capability is useful for a number of reasons. For example, said printer can be used to check a check. When the check is inserted into the slip printer and / or imager, vertically, it can be scanned by the imager and the MICR reader to see its contents. Said procedure can be achieved once after the insertion of check into the POS 130 device and then again upon leaving. Then, in some cases, the slip printer prints the check payment line, which can include a 90-degree rotation of the print head. Once the printing is completed, the check is returned by the boss and placed in the slip printer and / or imager to clear the back of the check. Said postage on the back of the check may include receipt information, such as, the number of a merchant, the name of a store, the time, the amount in dollars, and the like. Furthermore, in some embodiments, the imager is capable of forming an image in a directional manner including up and down vertically and in both directions horizontally. In a particular embodiment, said bidirectional imaging is achieved using two image forming sources, one for horizontal and one for vertical. Components that can be part of the POS peripheral terminal 16 can include, but are not limited to, a presentation, an electronic signature capture, a magnetic strip card reader, a smart card reader / writer, a PIN pad, and a security system. In different embodiments, the POS peripheral terminal comprises all or some of these components. These components allow the POS peripheral terminal to be an interactive tool that allows customers to select their preferred transaction methods, view details of online item transactions, and be provided with web-enabled electronic services, such as advertising (for example, text, graphic and / or video advertising), and coupons. As will be recognized from the following discussion, the POS peripheral termination may include components in addition to those previously listed, only a subset of those previously listed, or some combination of a subset of the previously listed components and additional components.

Some embodiments of the present invention may include systems and methods for using POS devices in relation to several central systems. Such central systems may include electronic payment systems, money transfer systems, credit transaction systems, transaction and check verification systems, money order sales, stored value systems, administration systems associated with customer loyalty programs. customer, coupon processing systems, fraud detection systems, sales systems for 17 lottery tickets, and a number of other transaction systems. In particular embodiments, a POS device is used to access a variety of transaction systems. In addition, in some of the modalities, transaction systems are developed and maintained by separate parties from those that develop and maintain POS devices. In some embodiments, the POS devices include a number of components that can be individually enabled and disabled by the transaction systems depending on, for example, a particular affiliation of the merchant with various transaction systems. Some modalities include the interaction of a client with one or more transaction systems during an interaction with a POS device. In some cases, the transactions initiated by the client and / or the merchant in favor of the client are consummated without requiring the client or the merchant to indicate to the transaction system that was selected to make the transaction process. In addition, the customer can initiate an individual transaction that requires the involvement of multiple transaction systems, in which case, the POS device automatically selects the appropriate transaction systems and subsequently facilitates the completion of the desired transaction.

II. Illustrative Systems Referring to Figure 1, a multi-function transfer system 100 according to one embodiment of the present invention is illustrated. The transfer system 100 includes a POS 130 device in communication with one or more central function controls 110 through a communication network 120. Furthermore, the POS device 130 is coupled in communication form to the POS peripheral 140. As will be apparent from the following discussion, the transfer system 100 may include any number of POS 130 devices, POS 140 peripherals, and / or central function controls 110 according to the various embodiments of the present invention.

The communication network 120 may be any network capable of transmitting and receiving information in relation to the POS 130 device. For example, the communication network 120 may comprise a virtual private network condescending TCP / IP ("VPN"), the Internet , a local area network ("LAN"), a wide area network ("WAN"), a telephone network, a cellular telephone network, an optical network, a wireless network, or any other similar communication network. In particular embodiments, the transaction network 120 provides message-based communications between the POS devices 130 and the central function controls 110. In some embodiments, the communication network 120 is a combination of a variety of network types. For example, in one embodiment, the communication network comprises the Internet to communicate between the POS device 130 and the central function control 110a, a Virtual Private Network ("VPN") to communicate 19 between the POS 130 device and the central function control 110b, and a dialing network for communicating between the POS device 130 and the central function control 110c. Regarding this document, a person skilled in the art will recognize a number of other types of network and / or combinations thereof that is capable of facilitating communications between the POS device 130 and several central function controls 110. Each of the controls function centers 110 can be any system capable of processing transactions made in relation to POS 130 devices. For example, the central function controls 110 can be a money or value transfer system, a fraud detection system, a bad check detection system, a stored value card or telephone sales system, a system of billing payment, a bill submission system, a check acceptance system, a payment system, a check acceptance system, and the like. In a particular embodiment of the present invention, the transfer system 100 includes more than 20,000 POS 130 devices with associated POS 140 peripherals, and 4 central function controls 110. The central function controls 110 are a money transfer system , a fraud detection system, a telephone card system, and a check acceptance system. After reading this document, one skilled in the art will recognize that there are many types of central function controls useful in relation to the present invention.

Similarly, one skilled in the art will recognize that there are many possible combinations of said central function controls 110 deployed in relation to the POS 130 devices and POS 140 peripherals in accordance with the present invention. The POS device 130 is an integration of two or more components to facilitate access to clients to one or more central function controls 110. In some embodiments, the POS device 130 is a POS device activated by the merchant, desk , smart activated to be used in a variety of retail environments. Some of the retail environments include ability to transfer money, consume retail purchases, provide stored value cards including, but not limited to, telephone cards and / or gift cards; perform fraud detection and supervision; and similar. In some embodiments, the POS device 130 operates as an individual stand-alone device, while in other embodiments, the POS device 130 operates in conjunction with one or more POS 140 peripherals. In some embodiments, the POS 140 peripheral is a device. surely it can be interconnected with the POS 130 device, a personal computer ("PC"), an electronic cash register ("ECR"), a personal digital assistant ("PDA"), or other such devices. The POS 140 peripheral may provide functionality that is used by a consumer in a retail environment, such as the entry of Personal Identification Number 21 ("PIN"), clean text entry, signature capture, and the like. In various embodiments, the POS 140 peripheral can be used as an independent unit capable of operating separate from the POS 130 device or other base devices. Either separately or together, the POS 140 peripheral and the POS 130 device can support a variety of functions along with a scale of transaction services offered through a retail vendor that maintains a POS 130 device and / or a peripheral of POS 140. Said transaction services may include, but are not limited to, money transfers, money orders, and / or verification and check guarantee services, and the like. In addition, the transaction services may be provided by one or more third party third party providers that maintain central function controls 110 that are accessible through the POS 130 device and / or POS 140 peripheral. For example, they may be requested printing money orders through the POS 130 device and / or POS 140 peripheral through access to a first provider transaction system (eg, 110 central function control), while the check guarantee services they are provided by the POS 130 and / or peripheral device of POS 140 through access to a second provider transaction system (eg, the central function control 110). In some embodiments, the POS peripheral 140 provides the identical functionality provided by the POS device 130, 22 although in a form accessible to a client. In this way, for example, the POS 130 device can be designed to operate by a merchant, while the same functionality is implemented in the POS 140 peripheral is designed to operate by a client. In particular embodiments, the POS 130 device is mounted near a cash register in a Czech desk in a retail store, while in the POS 140 peripheral it is mounted on a check-in desk and is accessible to a customer. In this way, both the merchant and the customer can interact with similar devices to carry out a transaction.

In other embodiments, the POS 130 device includes a number of components, while the POS 140 peripheral includes only a group of such components. In this way, for example, a client is able to perform a limited number of transactions, or only a portion of other transactions through the POS 140 peripheral, while the merchant is able to effect all transactions through the POS device 130. In other embodiments, the POS 130 device includes some components and the peripheral of POS 140 includes a complementary component group. Thus, for example, useful functions for gathering a customer's information in relation to a transaction are displayed as part of the POS 140 peripheral, while the components used by a merchant in relation to a transaction are displayed as part of the transaction. 23 POS device 130. In some embodiments, the POS peripheral 140 is coupled in communication form to the POS device 130 via a cable 135. In other embodiments, the POS peripheral 140 is coupled in communication form to the device. of POS 130 through a radio frequency ("RF") or straight line connection. Although the foregoing discussion identifies a variety of interconnections between the POS 130 device and the POS 140 peripheral, one skilled in the art will recognize a number of other types of interconnection capable of coupling in the form of communication the POS 130 device to the peripheral of the device. POS 140. Furthermore, it should be recognized that more than one POS 140 peripheral may be associated with a single POS 130 device. Alternatively, in some embodiments, the POS 130 device is implemented without an associated POS 140 peripheral.

A. Functional Hardware Referring now to Figure 2, a logic block diagram of a mode of the POS device 130 and the POS peripheral 140 is illustrated. The POS device 130 includes a central processing unit ("CPU") 218 electrically coupled to a memory 214, a timer 212, a component controller 220, and a function control matrix 216. In addition, the CPU 218 is coupled in the form of communication to a display 210 through a graphics controller ( not shown).

The component controller 220 provides an interface to the variety of components associated with the POS device 130 including a peripheral controller 250 that controls access to the POS peripheral 140. More particularly, the component controller 220 provides an interface to a transmitter card 226, a network interface 228, an imaging interface 230, a printer interface 232, and a Magnetic Ink Character Recognition ("MICR") interface 234. In addition, the component controller 220 provides a interface to an Input / Output interface ("l / O" 240 which in turn provides access to and from a variety of I / O interfaces. Specifically, the I / O 240 interface provides access through an interface of keyboard 242, a magnetic reader interface 244, an electronic reader interface 246, a biometric interface 247, a radio frequency ("RF") interface 227, a reader interface e 248, and an audio interface 249. The peripheral controller 250 provides control of the POS peripheral 140 under the direction of the CPU 218 and the component controller 220. More particularly, the peripheral controller 250 provides access to a display 252. , an image forming interface 254, a printer interface 256 and access to and an I / O 260 interface. The I / O 260 interface provides access to an audio interface 267, a biometric interface 265, a data interface, and an interphase. keyboard reader 266, an electronic reader interface 264, a magnetic reader interface 268, and a magnetic reader interface 268, and a presentation reader interface 262. The CPU unit 218 can be any microprocessor capable of controlling the various functions of the POS device 130 described herein. In some embodiments, the CPU unit 218 is a 32-bit Reduced Instruction Fixing Computer ("RISC") processor. In a particular embodiment, the CPU unit 218 is a Motorola 68302 processor. In other embodiments, the CPU unit 218 is a pair of 32-bit processors, one to control the various components associated with the POS 130 device and the peripheral of POS 140, and the other processor operating with the various software applications executed in relation to the POS device 130 and the POS peripheral 140. In some embodiments, several of the blocks illustrated in Figure 2 are implemented within the unit of CPU 218, while others of the blocks are implemented in separate logic of the CPU unit 218. A particular mode of the POS device 130 and the POS peripheral 140 is discussed below with reference to Figure 3, wherein the division between the CPU unit 218 and the logic implementing other functions are described more fully. The presentation 210 can be any presentation mole capable of presenting information with respect to the user transaction. For example, in some embodiments, the display 210 is a Backlit Graphic Liquid Crystal Display ("LCD") 26 of the glass type as an integrated circuit, having 8 lines by 20 characters, or 128 by 64 pixels. Said presentation may be either color or monochromatic. In some modalities, the presentation is a Superbalanced Nematic LCD of Compensated Film ("FTSN"). In a particular embodiment, presentation 210 is a touch screen, a monochromatic VGA presentation of a room with 16 gray scale levels. In such an embodiment, the presentation reader interface 248 provides an interface for receiving the input through the touch screen. The presentation 210 may have a number of aspects and / or features selected to meet particular needs. For example, one mode uses a monochromatic backlight display measuring 10.16 and 3.81 cm by 7.62 and 1.016 cm. In one embodiment, the 210 display further provides 320 pixels by 240 pixels of resolution at 16 scale levels in gray. The display 210 may also include a cold cathode fluorescent lamp ("CCFL") illuminating the back with an automatic shut-off feature. In addition, contrast adjustment can be provided with automatic temperature compensation and a hardened Mylar anti-glare cover. This hardened cover acts as a protection for the touch screen and is physically located above the touch screen. In addition, angle adjustment can be provided to reduce the glass as part of the display 210. The automatic contrast control for the LCD can be provided to compensate for changes in contrast as a result of temperature changes and is selected to provide an adequate adjustment. of contrast across the entire operating temperature scale of the POS 130 device. In addition, a user can adjust the contrast of the LCD through the functions of Operating System ("OS") or through appropriately written application software. . As will be discussed later, said presentation may be mounted on the POS 130 device either in a portrait or landscape orientation. In other embodiments, presentation 210 is a 256-color passive display support. This presentation can support moderate animation and rolling. For example, in a monochromatic display, presentation 210 may update 12 frames per second. In some embodiments, presentation 210 has an expected life of 30,000 hours of energy at half intensity. As mentioned, the display 210 may be associated with a touch screen, wherein the input of the touch screen is available to the POS 130 device through the presentation reader interface 248. In one embodiment, the Touch screen unit is placed on the LCD of the presentation. 210 and has an active area scarcely equivalent to the LCD. The touch screen can be implemented using a 4-wire touch screen technology and exhibits a minimum touch duration of 30 milliseconds and a minimum touch interval of 100 28 milliseconds. In addition, the touch screen can be operated with either a finger or a stylet under a minimum pressure of approximately 35 to 55 grams. This touch screen can have an expected life of approximately one million key oppressions. In modalities that include a touch screen, the display of the screen associated with the touch screen can be specially designed for the particular input required. In this way, for example, when the entry of some numbers is required, the presentation of the screen can be limited to numbers from 0 to 9. In this way, a benefit of using a touch screen is that it can reduce the error of the operator limiting his presentation to what is required in a particular sequence within a transaction. In addition, said touch screen can be divided to show both transaction-oriented prompts and promotional graphics and messages.

In some modalities, the touch screen and the LCD may be calibrated to each other either through an operating system function, or through an appropriately written software application. This caliber includes ensuring that a particular point on the LCD is aligned with the corresponding point on the touch screen. In various embodiments, said caliber is performed after the installation of the POS 130 device, or when the POS 130 device moves to an alternate site. In other embodiments, the gauge is made as the POS device 130 is manufactured and the touch screen and the LCD of the display 210 are associated with each other. In some embodiments, the keypad interface 242 is interconnected to a numeric keypad to the POS 130 device. The keypad may include 16 programmable keys. In various embodiments, a numeric keypad is not provided, but rather, the functionality of said numeric keypad is implemented through a touch screen as previously described. In various embodiments, the magnetic reader interface 243 interconnects a magnetic strip reader to the POS 130 device. Such a magnetic strip reader can decode track information 1, 2, 3 of the International Organization for Standardization ("ISO") of a Magnetic strip on the same side of a card. Alternatively, or in addition, the magnetic strip reader can decode information from the Japanese Industrial Station ("JIS") located on a magnetic strip on the side of the card opposite to ISO tracks 1, 2, 3. Said JIS information may also conform to a physical standard for the location of the magnetic strip on the card, which is in a different place from the standard ISO strips. Alternatively, or in addition, the magnetic strip reader may be condescending with standards promulgated by the American National Standards Institute ("ANSI"), the American Association of Rotor Vehicle Administrators ("AAMVA"), and Commercial Driver's License ( "CDL"). In some cases, the data is read from two tracks both in the insertion and in the removal of a magnetic strip reader card. However, the magnetic strip reader may be able to read any combination of three tracks from a variety of magnetic strip cards. In some embodiments, a hardware and software configuration of the components of the POS 130 device made during manufacturing determines which tracks of the magnetic strip card can be read by the POS 130 device. In other embodiments, the software configuration performed after manufacturing, it controls which tracks on a card are going to be read. In particular embodiments, the magnetic strip reader is integrated into the POS 130 device, while in other embodiments, the magnetic strip reader is offered as an additional device that can communicate with the POS 130 device through a I / O port of the POS 130 device. In some embodiments, the magnetic strip reader is able to read a card that is passed in two directions. In addition, the magnetic strip reader can be oriented either horizontally or vertically relative to the POS 130 device. Such magnetic strip readers can have a head life of approximately one million readings and operate with a scaled speed on the scale from about 12.7 to 127 cm per second. In some embodiments, the electronic reader interface 146 provides the POS 130 device with data overrun from a smart card reader. A smart card is typically a card with the size of a credit card that includes at least some electrical processing capacity. A smart card, due to the processing power, provides more security compared to a traditional credit or debit card. In a modality, the smart card reader is condescending with ISO 1, 2, 3 offering a level 1 approval of Europay / MasterCard / Visa ("EMV"). The smart card reader is a device that is not locked with friction contacts, an expected life of 5,000 insert / remove card cycles, supports 3 volt and 5 volt cards at both single and double clock frequency standards, and supports line baud rates up to 4 times greater than the nominal speed. In some embodiments, a smart card reader is integrated within the POS 130 and / or peripheral device of POS 140, or provided as an option communicating with the POS 130 device through a port either in series or parallel of the POS device 130 or the POS peripheral 140. Modes including the biometric interface 247 may be capable of receiving a fingerprint, or other body element for authentication purposes. In this way, a person who changes a check can use a fingerprint instead of a signature to consummate a transaction. Of course, other metrics may be used in addition to the fingerprints according to embodiments of the present invention. The modalities that include an RF interface 227 can be enabled to accept the client input through repeaters associated with the clients. An RF interface may be associated with either or both the POS device 130 and / or the POS peripheral 140. Such RF interfaces may operate either radio frequency or light, such as infrared. By using the RF interface 227, Bluetooth technology can be supported in relation to the functionality of the POS device 130 and / or peripheral POS 140. As an example, a key / repeater FOB can be used by a client to facilitate verification using the POS 130 device. In some cases, the customer can be automatically identified, including account identification, and the account is charged with the amount of any given transaction. In particular cases, the POS device 30 and / or the POS peripheral may be part of a vending machine and an RF interface 227 used to identify the customer, and activate a sale of the machine. In various embodiments, the audio interface 249 provides input and output of audio data from the POS device 130. The audio interface 249 is coupled to a speaker and a microphone. A person with a damaged view in this manner can operate the POS 130 device without using the visual and / or visual device, such as the display 210 and / or touch devices, such as keyboards and touch screens. In one embodiment, the audio interface 249 includes a digital-to-analog converter ("D / A") to convert data from a digital trainer that has access through the 33 CPU 218 unit to an analog format that can be presented to through the speaker. In addition, the audio interface 249 includes an analog-to-digital ("A / D") converter for converting sound data received through the microphone to digital data that can be manipulated through the CPU unit 218. In some cases , volume control is provided and controlled through the audio interface 249. In some cases, no volume control is provided, but rather a static, acceptable volume scale is selected. In addition, the speaker coupled to the audio interface 249 may be coupled to a modem that is attached to a network interface 228 for listening to modem tones, alarm sounds, and the like. In such implementation, volume control is desired since it is the ability to turn the horn on and off. Said control can be added to an external analog control, or implemented through the analog interface 249, where control is provided through functions of the operating system or a software application running on the CPU unit 218. In some modalities, the printer interface 232 provides the POS 130 device with access to one or more printers capable of printing various documents, such as recipes, checks, and / or money orders. In particular embodiments, the printers are either or any of roller printers and slip printers. A roller printer can be integrated into the 34 POS 130 device and can be displayed both logically and physically separate from an integrated slip printer as will be described later. The roller printer can have the following characteristics: thermal printer technology using thermal paper, minimum of 15 lines per second or 7.62 cm per second, life of the print head of approximately 50 kilometers of paper, paper width of 7.62 cm, paper roll diameter of 7.62 cm and paper length of 71.62 meters, use a roll of falling paper that does not require spinning, does not require screws for the paper roll, a metal break bar, 200 point printing 2.54 cm ("dpi") for logos, bar codes, customer signatures, and the like. In addition, the printer can include a total graphics capacity, 32 characters, country-specific font, 96 characters of ASCII font, 128 characters of international fonts, capable of printing double-width / height characters and in reverse. The printer may also include "paper out" and "open cover" sensors with outputs available to the operating system and / or software running in the CPU unit 218. The print density may be adjustable through an operating system function or through a software application. In some embodiments, a paper feed button is not provided and the only means for advancing the paper roll is through software operating in the CPU unit 218. In addition to either the roller printer or alone, a printer The sliding printer can be integrated into the POS 130 device. Such a slide printer can include a mechanism to detect if the print cartridge is installed and report this information to the software through the printer interface 232. This sliding printer can Incorporate inkjet technology, using indelible ink, and providing a minimum of 96 dpi. The slip printer can also provide graphics printing capability and a selection of font sizes. A printing speed of 6 full lines of monochrome printing is possible and intelligent launch control is provided to minimize throwing movement between the printing lines. As previously discussed, in some embodiments, the slip printer is capable of bidirectional printing. In some embodiments, a magnetic ink character recognition ("MICR") reader is integrated into the POS 130 device and is accessible through the MICR interface 234. Said MICR reader facilitates the magnetically printed reading of account information. both business and personal documents, including, but not limited to, checks. Said MICR reader provides the POS 130 device with the ability to read the MICR line in any direction, under the software control operating in the CPU unit 218. In particular embodiments, the MICR reader is motorized and automatically recognizes and Read code line formats E13B and CMC7. You can process 36 checks, both business and personal, up to checks of 9.65 cm by 22.22 cm. The MICR reader can read checks both magnetically and optically, using the information derived from the imager of the document as will be described later. In some embodiments, the software running in the CPU unit 218 controls all merchant accesses to the received MICR through the touch screen presentation and / or the keyboard. The logic associated with the MICR 234 interface is capable of extracting the various fields in the MICR line. Said logic can be implemented either in hardware or software with the analysis algorithms associated therewith which can be updated by modifying either the software after manufacture and the installation of the POS 130 device. In some embodiments, a document image former is integrated with the POS device 130 and is accessible to the POS device 130 through the image forming interface 130. Said document image former can support both signature and block text by scanning to 3 dpi or more. The imager furthermore can provide a reading speed of approximately 30.48 cm per second and may be able to provide image data to the POS 30 device through the imager interface 230 within 4 seconds of reading a document. . In some embodiments, the document image former is also capable of capturing an image of both the front 37 and the back of a presented document, while in other embodiments, the document image former only captures an image of the document. one side of a document presented. Various calls associated with either or both of the operating system and the software running on the CPU unit 218 can support the transfer of starting image data from the document image former to the POS 130 device. The software running in the unit CPU 218 can trim, enlarge, analyze and otherwise manipulate the received image data. The imager can image documents with a width of up to 10.16 and a length of 22.22 cm. An available imager output is a marked image file format ("TIFF") provided in black and white. In embodiments of the POS 130 device that integrates two or more of a slip printer, a roller printer, a MICR reader, and a document image former, an individual paper transport mechanism can be used to support all or a combination of the aforementioned components. Such a shared paper transport mechanism is designed to allow easy removal of paper jams and replacement of ink cartridges. This can be done by providing the merchant with access to the paper path and the cartridge, while limiting the merchant's access to sensitive electronics. The paper transport mechanism can be opened by manipulating a physical closure button on the side of the POS device 38 130. With the POS device 130 in the open position, an "open cover" status is reported to the unit. CPU 218. Furthermore, when the cover of the POS device 130 is open, both the operating system and the software running in the CPU unit 218 can disable the reading of MICR, the formation of document images and the printing through the sliding printer or the roller printer. The paper transport may also be able to handle documents that exhibit a fold, crease, or otherwise are not completely flat. In some embodiments, the paper transport does not include a feeding tray and, therefore, the documents are fed one at a time towards a receiving mechanism. In particular modalities, the reception mechanism is designed to receive documents with a width of up to 10.79 cm and a length of 35.56 cm. In addition, paper can be moved bidirectionally through paper transport under software control. The POS device 130 further comprises a variety of network interfaces accessible through the network interface 228. In a particular embodiment, the POS device 130 includes an ethernet interface, a slow common-conductor interface, a USB interface, an RS-232 interface, a PCMCIA interface associated with two PCMCIA slots integrated with the POS 130 device, and / or a dialing MODEM interface. It should be recognized by one skilled in the art that other types of interface may be used in place of or in addition to the interfaces mentioned above. When an Ethernet interface is provided, this may be designed to support any or all of the Asymmetric Digital Subscriber Line ("ADSL") technology as another technology used in connection with a network at a merchant location. Said interface can be 10 BaseT and be provided through an RJ 45 connector accessible in the POS 130 device. In particular embodiments, Ethernet connectivity is provided through a PCMCIA card to a slot in the POS 130 device. Some embodiments of the POS 130 device further include a card issuer 226 capable of issuing stored value cards 224. Said stored value cards may be gift certificates, telephone cards, debit cards, and the like. In various embodiments, the POS device 130 and / or the POS peripheral 140 includes a bar code reader associated with a bar code reader interface. The bar code reader can be used to identify a product or person and transfer that information to a central database. In addition, in some embodiments, bar codes may be printed on issued articles, such as, for example, recipes, and the like. In this way, a customer can be issued a recipe with a bar code that in turn can be associated 40 with a product or service that was sold to the customer. This information can be maintained in a central database accessible by one or more POS 130 devices. Several modes of the POS 130 device also include a dial-up modem. Said dialing modem may be a V.90 modem operating at 56 kilobits per second and is capable of supporting any of the following modem standards: V.21, V.22, V.22bis, V.32bis, V.32bis , V.34, V.90, V.92 Bell 103, Bell 212A, fast connection of Hipercom in V.22 and Bell 212A, and / or synchronous mode of V.22 and Bell 212A. The dialing modem is associated with a modular RJ11 plug integrated with the POS 130 device. In addition, a separate step can be provided through the telephone port to allow voice access and / or verify modem communication in a shared telephone line. In addition, the POS 130 device may include two or more USB connectors and associated controls. In particular embodiments, the network interface 228 includes logic to support one or more condescending communication ports of USB version 2.0 with or without root hub support. Said USB communications may be used to join external devices to the POS 130 device and / or communicate with devices integrated with the POS 130 device, such as, for example, display 210, a MICR reader, a printer, and / or a peripheral controller 250. Several modes also include one or more RS232 ports 41 providing connectivity to several external peripherals. Said RS232 ports include RJ12 connectors integrated with the POS 130 device and provide a baud rate of approximately 38 and 4 tenths of a kilobits per second. The memory 214 can be any type of storage accessible by the CPU unit 218. In a particular embodiment, the memory 214 includes from 4 to 8 megabits of Dynamic Random Access Memory ("DRAM") or Static Random Access Memory (" SRAM "). In addition, some modes include another 8 megabits of installed flash memory through a PCMCIA slot. The chronometer 230 may be any type of stopwatch capable of maintaining a time of increased transactions and occurrences related to the POS device 130. In one embodiment, the timer 212 is provided as part of the CPU unit 218 and is capable of providing Month / Day / Year and Hours / Minutes / Seconds. In some embodiments, a backup battery is associated with the timer 212, so that, in the event of a power failure, the timer 212 remains constant and accurate. The function control matrix 216 may be provided to select which components associated with the POS 130 device are accessible to a merchant. In this way, for example, a POS 130 device with significant functionality can be provided to a retail vendor, but only some portions of the functionality are accessible. In particular modes, the function control matrix 216 can be accessed by one or more of the central function controls 110 to enable and / or disable components provided with the POS 130 device. This can be done through the network of communication 120 and network interface 228. Thus, for example, when a central function control 110 is a money transfer system, a retail vendor may be required to pay for the right of a service to the transfer system. money and, in turn, the money transfer system enters the POS 130 device, for example, through the Internet and modifies the central function matrix 216 to allow access to the useful components in relation to the transfer system. money. More particularly, when the money transfer system requires the use of a slip printer, a card issuer, and a magnetic reader, the interfaces associated with those components can be enabled by the money transfer system. In some embodiments, the components can only be enabled to be used for transactions between the POS device 130 and a central function control 110 that has previously enabled the use of the components. Thus, in some embodiments of the present invention, a single POS 130 device can be developed and sold to a variety of end users. Each of the end users, in turn, can control the functionality of the POS device 130 by selecting which of the central controls 43 of function 110 to access. This allows for reduced manufacturing costs since only a single configurable model of POS device 130 needs to be produced. In some cases, two models are produced, where one model excludes several costly functions that are not only necessary by a limited number of end users. Alternatively, a single POS 130 device can be developed and sold to a number of entities by providing central function controls 110, which in turn can sell such POS 130 devices to retail vendors of services associated with the particular function central control. 110. When a retailer has already obtained a POS 130 device to access a central function control 110, it does not need to obtain an additional POS 130 device to access an additional function 110 central control, but only it needs to request the other central function control to be enabled in the POS 130 device by properly accessing and coding the function control matrix 216. Again, two or more POS 130 devices can be developed for different central function 110 controls and / or merchants, if in fact that is desired. In an illustrative embodiment of the present invention, the POS 130 device includes: a touch screen, a monochromatic VGA display of a room with 16 gray scale levels, a 16-button numeric keypad, 8 megabits of DRAM memory, a 32-bit RISC processor with an associated application-specific integrated circuit 44 ("ASIC"), an integrated magnetic strip reader, an integrated smart card reader, an integrated roller printer, an integrated slip printer, a reader Integrated MICR, an integrated document imager, an integrated MODEM, and several USB, RS232, PCMCIA, USB and Ethernet interfaces. In addition, the POS 130 device can be addressed by IP and exists in one case with one. length of approximately 27.94 long by 15.24 high by 15.24 wide. In some modalities, a variety of statistics can be measured and stored within memory 214. These statistics can include, but not limited to, the number of inserts of the smart card, the number of sweeps of the MSR card, the number of touch oppressions of the touch screen, the number of key presses of the numeric keypad, the number of minutes of powering up the presentation, turning on the POS 130 device in time, the number of flash memory scripts, the number of points printed by the slip and roller printers, the number of check readings by the MICR reader , the number of check reading errors, the number of communication errors, the number of modem connection attempts, the size of the paper moved beyond the thermal print head of the roller printer, the size of the paper moved further beyond the imager and / or MICR reader, and the like. Said information may be accessed by one or more central controls 110 through the communication network 120 and used to determine potential future failures, and the like. This facilitates the preventive maintenance and avoids the unnecessary interruption time and dislike of the clients. An operating system and various software applications may be selected to provide functionality to the POS device 130. For example, in some embodiments, the POS 130 device may be addressed with an Internet protocol and includes a browser application. In such embodiments, the CPU unit 218 includes software adapted to support said functionality. In cases where a POS 130 device and a POS 140 peripheral are provided, Internet functions may be provided by the CPU unit 218 to both the POS peripheral v 140 and the POS 130 device. In some embodiments, the CPU Unit 218 runs the software to support network management. In particular, this capability allows the software to be downloaded to a plurality of said systems to provide new applications and / or updates to existing applications. For example, in one embodiment, the operating system and software application updates are distributed and maintained through communication with the POS device 130 via the communication network 120. The peripheral controller 250 is associated with the POS device. 130 and the controls have access to and from the POS peripheral 46 140. In some embodiments, the peripheral controller 150 includes a CPU unit similar to the CPU unit 218, while in other embodiments, the peripheral controller 250 is implemented in the logic integrated circuit ("IC"), such as an access door arrangement, or a combination of software operating in the CPU unit 218 and the integrated circuit logic. The POS 140 peripheral may include a variety of functions similar to those discussed with respect to the POS 130 device. For example, the POS 140 peripheral may include a display 252 similar to presentation 210, one or more printers associated with the interface printer 256 similar to the printers discussed in connection with the printer interface 232, and a document image former associated with an imager interface 254 and similar to that described in relation to the imager interface 230. In addition , an I / O 260 interface can provide access to similar interfaces included in the POS 130 device. More particularly, the audio interface 267 is similar to the audio interface 249, the biometric interface 265 is similar to the biometric interface 247 , the keyboard reader interface 266 is similar to the keyboard interface 242, the electronic reader interface 264 is similar to the in electronic reader interface 246, the magnetic reader interface 268 is similar to the magnetic reader interface 244, and the presentation reader interface 262 is similar to the presentation reader interface 248. It should be recognized that several embodiments may comprise one or minus 47 of the aforementioned components. In embodiments where the aforementioned components are available with the POS 140 peripheral, the components can provide the additional functionality described below with reference to the particular components. In particular embodiments, presentation 252 includes palm rejection capabilities and increased duration capability provided by capacitive touch technology than those especially suited for signature capture functions. In some embodiments, presentation 252 supports an electronic signature capture to facilitate the processing of electronic forms of payment. In such embodiments, the display 252 comprises a digitizer having at least 8 bits of A / D conversion detail. The resolution of the digitizer is preferably at least 300 dpi. In such embodiments, presentation 252 further comprises a hard writing surface to prevent screen damage in the event that a customer mistakenly uses a pen or pencil, rather than an electrostatic writing stylus used for signature input. . Figure 3 illustrates a schematic diagram 300 of one embodiment of the components associated with the POS 130 device and used to implement several of the logic elements discussed in relation to Figure 2. The mode includes a CPU 305 unit directly controlling a number of components and associated with a Field Programmable Access Gate Array ("FPGA") 320 programmed to handle a number of other components. The CPU unit 305 includes an A / D converter 314 for accessing analog data from a touch screen 362 and converting them to digital data compatible with the CPU unit 205. In addition, an A / D converter 312 and a converter are provided. of D / A 311 for the contrast control of an LCD 360 through the LCD contrast control logic 361. The LCD control logic 313 is also included within the CPU 305 unit for format and control output to the LCD 360. A memory management unit 315 is included within the CPU unit 305 to provide access control to and from a boot memory 370 and a main memory 371. In addition, the CPU 305 unit provides interfaces and controls a variety of communication mechanisms include a USB 385 device driver, and a USB 381 guest controller supporting communications with USB guests 382 and 383, as well as a USB 384 peripheral. CPU unit 305 is further coupled to an Ethernet controller 380, a dial modem 352 through a serial communication port 306, and RS 232, 353 and 354 connectors, through serial communication ports 307 and 308, respectively. In addition, the D / A and A / D converters 311 and 312, respectively, are coupled to a speaker 356 and a microphone (not shown) to allow access to the POS 130 device by those who are hearing damaged tones and / or verifying tones associated with the dial modem 352. A real-time clock 390 is associated with the CPU unit 305 to provide dial clock capability. As discussed previously, the real-time clock can be attached to a backup battery, so that time is kept uniform when power is lost to the POS 130 device. The CPU 305 unit also provides a PCMCIA 309 interface. , 310 to two PCMCIA card slots 350 and 351. The FPGA 320 is coupled to the CPU unit 305 via a common conductor 395 including a date switch 396, one or more data lines 397 and control legs 398 the FPGA 320 includes interfaces to a magnetic card reader 321, a MICR reader 322, a paper transport motor 323, a document image former 324, a smart card and a SAM 325 reader, a memory card flash 326, and motor controls for a 328 slip printer and a 327 roll printer. In addition, several ports of I / O 391 are provided, a common expansion driver 392 and a debug port 393.

B. Packing Hardware Figures 4A-F show perspective views of mechanical representations of the POS device 130 and the POS peripheral 140 according to various embodiments of the present invention. The illustrated modalities show 50 combinations of different characteristics that can be included in specific modalities, although it will be appreciated that several additional modalities will be derived from additional combinations of characteristics, and perhaps also from the addition or absence of certain characteristics. One aspect that can be varied between different modes is the way in which the base unit is coupled into external communications. In some modalities, communication is achieved with ports to support such standard communication protocols as RS 232, RJ11, USB, and PCMCIA type II connections. Similarly, said protocols can also be used for communication between the POS device 130 and the POS peripheral 140. In other embodiments, the POS device 130 communicates with the POS peripheral 140 through the transmission and reception of signals infrared In addition, in some embodiments, the POS device 130 can be configured as a docking station adapted to dock a correspondingly configured POS 140 peripheral. In modalities configured for the docking of peripherals of POS 140 with POS 130 devices, the system can be configured such that the peripheral of POS 140 is either "dedicated" or "shared". In embodiments where the POS 140 peripheral is "shared", it is commonly used as a separate unit for customer functions and as part of the merchant unit when it is docked with the POS 51 130 device. In modes where the peripheral of POS 140 is "dedicated", a POS 140 peripheral is used exclusively for client functions, and another POS 140 peripheral is docked with the POS 130 device and used for trading functions. The different modalities have their respective advantages. The use of dedicated POS 140 peripherals can be more productive, since the need to move the POS peripheral to and from the POS 130 device is eliminated, but the sharing of the POS 140 peripheral can be less expensive. Other characteristics that can vary in different modalities affect the use of the system more directly. For example, in some embodiments, the POS device 130 is adapted to be placed on a horizontal surface, such as a merchant counter, while in other embodiments it is adapted to be mounted on a wall. Said mounting on the wall allows a mauro friction of the opposite space to remain unobstructed. In one embodiment, the POS device 130 is adapted for any type of assembly to adapt the merchant's preference. Also, in some embodiments, the presentations of the POS device 130 and the POS peripheral 140 may be provided in a landscape or portrait orientation. A landscape orientation will generally facilitate the presentation of Internet content to a client and will be easier to use to accept a client's signature. A portrait orientation is usually simpler in modalities where a 52 POS 130 docking device is sized to be portable. In addition, some modalities may include a numeric keypad in the POS 140 peripheral, while in others it is not used. Those modalities without a numeric keypad generally allow the POS 140 peripheral to be more compact, even while having more room for presentation to provide improved Internet functions. Referring now to Figures 4A-4F, examples of different aspects are illustrated where the components of the POS 130 device and the POS 140 peripheral can be mechanically combined. Figures 4A and 4B show an embodiment wherein a POS device 130a and a POS peripheral 140a are physically connected through the cable 135. Figure 4A shows the POS device 130a placed horizontally., such as in a counter, and Figure 4B shows the POS device 130a mounted on a wall. The POS device 130a comprises a housing 401 for containing certain internal components. In addition, the POS device 130a comprises a display 402 and a numeric keypad 403 that can be used for presentation and data entry. The presentation 402 may be monochromatic, although in alternative embodiments a color presentation is provided. The numeric keypad 403 is illustrated having 16 keys, although other key numbers may be used as appropriate for specific applications. A magnetic strip reader 404, which in a bidirectional mode is also provided in the POS device 130a for reading magnetic strips that can be included, for example, in credit and debit cards. The POS device 130a further includes a slot 405 for inserting documents, such as checks and / or money orders, which can then be examined by the internal devices in the housing 401. Said internal devices may include an image forming device, which may include recognition of optical nature as part of its functionality. In addition, a MICER reader can be provided to read a magnetic ink character string on the document. Other devices that can be integrated with the POS device 130a include a receiving printer, slip printer, and a magnetic strip card writer. When such devices are included, the printed materials can be recovered through the slot 405. Within the housing 401, a modem can be included, such as a wireless modem or an integrated V.90 56 kbit / s modem. The POS 130a device generally also includes internal memory, which may contain software to enable Internet IP address, browser support, network management tools, coupons, and advertising, among other software functions. An ethernet connection, such as a 10BaseT connection, can be included to provide networking capabilities with the POS device 130a.

In the embodiment shown in Figures 4A and 4B, the POS peripheral 140a includes a display 411 that is oriented in the form of a landscape and includes a numeric keypad 414 that will be used in general for the entry of a personal identification number (" PIN ") by a client, although it can be used in other applications as well. The presentation 411 may be monochromatic or color. A magnetic strip reader 412, can be configured for bidirectional reading, is provided, as a smart card reader / writer 413. These components are contained in the hog 415 which also includes ports, such as RJ11, USB, serial, Type II PCMCIA, or other ports, to provide external interface connections. Figures 4C and 4D show related embodiments in which a POS device 130b is configured to be docked with a POS peripheral 140b. In Figure 4C, the embodiment shows a shared configuration in which a single POS 140b peripheral works for client and merchant functions. In reverse, Figure 4D shows a dedicated configuration where two POS 140b peripherals are used. In any case, the POS peripheral 140b comprises a hog 431, a display 432, a magnetic strip reader 433, and a numeric keypad 435 similar to those described for Figures 4A and 4B. In addition, an electrostatic writing stylus 436 is shown in a position that minimizes interference when the display 432 or the 435 keypad is in use. The electrostatic writing stylus 436 can be housed in a spring loaded holder to allow it to flex when it hits. The POS device 130b includes a hog 421 and a slot 422 to allow document access to such devices as an imager, MICR reader, slip printer and receiving printer. The hog 421 may also contain components similar to those described with respect to Figures 4A and 4B, including a MODEM, an Ethernet connection, memory, and software to support IP address, browser functions, network management tools, coupons. , and advertising. The POS device 130b also includes a berthing port 423 to allow the POS peripheral 140 to be docked as shown in Figure 4D, and for the functionality of the components of the POS peripheral 140b that will be accessible with the POS device. 130b. In addition to providing the capability of connections such as RJ11, USB, serial, PCMCIA type II, or other connections, remote communications, such as infrared signal transmissions, are supported. In one embodiment, a security cable 438 is provided for attaching the slots 421 and 432 of the POS device 130b and POS peripheral 140b. The modalities shown in Figures 4E and 4F are similar to those of Figures 4C and 4D, except that the numeric keypad functions are supported directly by a POS 130c device, rather than by a POS 140c peripheral.

As shown, the POS peripheral 140c includes a hog 451 and a number of devices, including a magnetic strip reader 452, a display 454, a smart card reader 454. In the embodiments of Figures 4C-4F, show presentations associated with POS 140 peripherals in a portrait orientation. Although such orientation is useful in those modes that dock with a POS 130 device to adapt the orientation of the merchant forms and to simplify allowing the POS 130 device to be portable, alternatively a landscape orientation can be used without loss of functionality . The POS device 130c includes a hog 441, a numeric keypad 442, and a slot 443 for providing documents that will be accessed by said devices such as an imager, MICR reader, slip printer and receiving printer. As in the other embodiments, the POS 130c device may also include a MODEM, an Ethernet connection, memory, and software to support OP address, browser functions, network management tools, coupons, and advertising. The POS device 130c also includes a berthing port 444 to allow the POS peripheral 140c to be docked as shown in Figure 4F, and for the functionality of the POS peripheral components 140c that will be accessible with the POS device. 130c. In addition to providing the capability of connections such as RJ11, USB, 57 in series, type II PCMCIA, or other connections, remote communications are supported, such as through infrared signal transmissions. In one embodiment, a security cable 458 is provided to join the housings 441 and 451 of the POS device 130c and POS peripherals 440 and 450.

III. Illustrative Methods The POS 130 and / or POS 140 peripheral devices, if modalized as integrated devices or as base unit devices with optional peripherals, can be used in numerous varied applications. In some of these applications, the POS 130 devices and, in some cases, the POS 140 peripherals, are physically provided by a merchant, wherein the term "merchant" is broadly understood as any individual, entity, or group of individuals. or entities that provide goods and / or services to clients. In these applications, a client executes a transaction using a POS 130 device or peripheral POS 140, and the transaction may or may not involve the merchant as part of the transaction, either directly or indirectly. The following description presents some transactions that can be performed using the system 100, although several other transactions will be apparent to those skilled in the art after reading this description. Transactions may involve access to one or more central function controls 110 offered and controlled by either the merchant, the POS 130 device provider, and / or third parties. The following describes a variety of central function controls useful in relation to system 100. It should be recognized that each of the following central function controls 110 can be combined with other central function controls 110 to implement a number of different system 100 according to the present invention. In addition, it must be recognized that central function controls in addition to those discussed below can be implemented as part of the 100 system.

A. Stored Value Card System An example of a central function control 110 useful in relation to system 100 is a virtual stored value card for accessing a value register. Said card is more fully described in U.S. Patent Application No. 09 / 971,303, entitled "Stored Value Cards and Methods for Its Use" and filed on October 3, 2001, the entirety of which is incorporated herein by reference. for all purposes. The request describes the issuance of one or more physical stored value cards associated with a virtual stored value card and one or more value records. The physical stored value card can be used for the withdrawal of securities and / or to make purchases through a POS 130 device. For example, the physical stored value card can be used to compare a merchant's article, then the POS device determines the central function control 110 associated with the physical card; and transmits information about the physical card, such as its identification number, to the central function control 110 that was determined to handle a value register associated with the physical card. The central function control 110 then enters a database that identifies both the physical stored value card and the virtual stored value card associated with the access value register. The value balance associated with that record is then loaded for the transaction quantity, so that the stored value associated with the virtual stored value card is also reduced. Figure 5A illustrates a mode of a central function control 110 used in relation to physical stored value cards. Referring to the time to Figure 5A, a mode of a stored value card system 510 is described which can be used to issue and / or accept said cards. The system 510 comprises a central function control 110 including a processing system 512, an associated database 514, and an interactive voice response unit ("IVR") 519. The database 514 can be a database Of relationship, such as an Oracle database, which contains records of several stored value records. This information may include, for example, types of cards (physical or virtual), identifiers, DINs, record balances, minimums and maximums, merchant information, and similar 60. The processing system 512 may be a workstation of Sun Microsystems, and it works in conjunction with the database 514 to allow the information to be updated, allow the cards to be issued, allow transactions to occur, and the like. Processing system 512 may receive information from a variety of sources. For example, the processing system 512 can be accessed through the Internet 516 through any type of computer 518 as is known in the art. Further. The processing system 512 can be accessed through the communication network 120 using the POS 130 device. Other ways to access the 512 processing system include the use of IVR 519, through a customer service representative. Once an appropriate connection is made, a virtual and / or physical stored value card can be issued. As an example, a customer may use the POS 130 device to request a stored value card either by the merchant maintenance POS 130 device, or any other issuer for which the merchant offers stored value cards. In this way, for example, a customer can buy a gift card from a retail seller to use it in the purchase of goods and services provided by a third party. The information, such as the type of payment, requested value, and the like, may be collected by the POS 130 device and then transmitted to the processing system 512. Other information may include the name, address and telephone number of the requesting client. In some embodiments, this information can be gathered by sweeping a credit card through a magnetic reader associated with the POS 130 device, where the information is automatically viewed from the credit card. Other methods for gathering the information are also possible, for example, the information can be seen from a smart card inserted in the POS device 130 in the information read through the electronic reader interface 264, the POS 130 device can include a bar code reader attached to, for example, the electronic reader interface 264, which can read a bar code of a driver's license that provides similar information, or a number of other ways of gathering information. One skilled in the art will recognize other possibilities for gathering information in relation to the provision of a stored value card according to the present invention. In addition to the information provided by a requesting client through the POS 140 peripheral, a merchant may enter addition information regarding the provision of the stored value card 224 through interfaces associated with the POS 130 device. For example, the merchant can enter an offered quantity of the requesting customer that is going to be added to the value register. In addition, the merchant can enter the number of the next physical stored value card available. The merchant can enter this information through a numeric keypad in the POS device 130 and communicating through the keypad interface 242, a magnetic reader communicating through the magnetic reader interface 244, and / or a screen. of touch communicating through the presentation reader interface 248. Also, it will be recognized that, in some modalities, either the merchant or the requesting customer can enter all the information associated with the provision of the stored value card 224, through any of the interfaces 242, 244, 246, 248, 262, 264, 266, 268, or any combination thereof. Furthermore, it will be recognized that, in various modalities, the entire procedure can be carried out without the intervention of a merchant. The information received in the POS 130 and / or peripheral device of POS 140 is transferred through the network interface 228 and the communication network 120 to the processing system 512. After the processing system 512 receives the necessary information to open a stored value register, techniques such as those set forth in the aforementioned US patent application can be used to initiate the value registration. The processing system 512 then communicates whether the value register has been successfully opened to the POS 130 device through the communication network 120. If the value register was successfully opened, the POS 130 device activates and produces the card 63. stored value 224 (or select an appropriate supply card) through the card issuer 226. In some cases, the receiver of the stored value card 224 must make contact with IVR 519, a customer service representative or access the a website associated with the system 510, or the like, to provide information before the stored value card 224 is activated. This provides the ability for the recipient to send the stored value card 224 to another person without exposing the stored value card to a potential use before it is known to the other person receiving the card. In addition, in some embodiments, the POS 130 device prints a transaction receipt through the printer input 232, or the receipt is printed through the POS 140 peripheral through the printer interface 256. In some embodiments, the stored value card 224 comprises some type of medium that is capable of storing an identifier, such as an identification number, in human readable form, in a magnetic strip, in a bar code, or the like. Also, a PIN can be stored on card 224, in some cases in a form that is not accessible without forging a package or face of the same card. The stored value card 224 can optionally be used to be online purchases simply by providing the identifier and the PIN. It can also be used in a physical store by simply sweeping the card 224 through a point-of-sale device, such as the 64 POS device 130 or the POS 140 peripheral. In addition to issuing the authorization of a stored physical value card , the processing system 512"issues" a virtual stored value card and initiates an account registration associated with the stored value cards in the database 514. The virtual stored value card can be provided to a customer through email to an email address provided by the client. These virtual cards can include both a unique identifier and a PIN. As illustrated in the flow chart 550 of Figure 5B, after receiving the stored value card, a customer can either present the physical card or the virtual card to a merchant to consummate a particular transaction (block 552). Information regarding the card is input to the POS 130 device, for example, by sweeping the physical stored value card through a magnetic card reader integrated in the POS 140 peripheral (block 554). The POS device 130 then determines a central function control 110 to which the card belongs (block 556). This can be done by maintaining a list of central function controls 110, which are associated with the POS 130 device. From the list, the most appropriate central function control 110, or the denied card, can be selected since it does not there is no adequate function 110 central control. In some cases, multiple central function controls 110 are suitable where an algorithm 65 for determining which central function control to select can be employed. Said algorithm can be based on, for example, that central function control 110 offers the most advantageous terms to the POS 130 device operated by the merchant. Once the appropriate central function control 110 is selected, the card information is transmitted to the central function control (block 558). In turn, the processing system 512 determines whether sufficient funds are available in the account associated with the stored value card to complete the transaction (block 560). If sufficient funds exist, this is communicated to the POS 130 device through the communication network 120 (block 562), the POS 130 device prints a receipt for the transaction (block 566), and the 512 processing system loads the the transaction account of that account associated with the stored value card (block 564). If there are insufficient funds to complete the transaction (block 560), the processing system 512 communicates the remaining total amount to the POS 130 device (block 568), which in turn can print a receipt indicating the amount through the roller printer associated with the POS 130 device (block 570). In some cases, the total amount left in the stored value card can be credited to the purchase, and an additional amount to cover the difference provided by the customer in another form of payment. If this aspect is taken, the POS device 130 communicates a request to load the entire amount of the card to the processing system 512, which in turn charges the full amount of the associated account. In addition, the POS 130 device prints a receipt indicating the amount owed from the card and the additional amount offered to complete the transaction. In this way, the POS 130 device provides the ability for a merchant holding a POS 130 device to become a retail seller of stored value cards of one or more varieties. For example, the merchant may become a retail seller for prepaid phone cards, gift cards for a variety of retail vendors including, but not limited to, restaurants and merchants, prepaid credit cards useful in situations where a customer needs a credit card, but it is not worthy of credit, or in situations where the client wants to send cash to another party, but is worried about the cash being lost in the mail. i. Example of Telephone Card As a more particular example, Figure 5C illustrates a modality of the telephone card system 1000 representing a subgroup of the stored value card system 510. The telephone card system 1000 includes a central function control 110 in communication with a telephone system 1020. In addition, the central function control 110 is in communication with the POS devices 130 and the POS peripherals 140 through the communication network 120. The telephone system 1020 provides communication between a plurality of telephones 1040. Central control function 110 includes a processing computer 1005, a determination machine 1030, and a database 1011 maintaining a telephone card list 1011. The processing computer 1005, together with the determination machine 1030 and the database 1010 keep an accounting of the use of the telephone card. In some embodiments, access to the telephone card system 1000 is pre-programmed as part of the POS 130 device. In such embodiments, the components necessary to complete the transactions associated with the telephone card system 1000 and are enabled as part of the manufacture of the POS device 130. In other embodiments, the software necessary to complete transactions associated with the telephone card system 1000 is downloaded to the POS 130 device and the necessary components are enabled by a central 110 function control representative, who visits to the merchant and updates to the POS device 130 to have access to the telephone card system 1000. In still further embodiments, the POS device 130 is dynamically configured through the communication network 120 to perform functions in relation to the telephone card system 1000. Referring to Figure 5D, a diagram is described of flow 580 illustrating the enabling of the POS 130 device of 68 according to embodiments of the present invention. Initially, a merchant associated with the POS device 130 makes contact with a management person associated with the telephone card system 1000 to request the use of the system (block 582). In some modalities, this is achieved through communication of you using telephones (not shown). In other embodiments, the access request is achieved by using the POS device 130 communicating with the control of the function central 110 through the communication network 120. After requesting access (block 582), the merchant is presented with terms that govern access and use the 1000 phone card system (block 584). In some cases, the terms are very simple and do not require anything from the merchant. In other cases, the terms require payment from the merchant at a time and / or on a transaction basis. For example, the terms may require a merchant to share a small percentage of profits harvested through the merchant's sales of stored value cards using the telephone card system 1000. In view of this description, one skilled in the art will recognize that a number of different business relationships can be entered before allowing the merchant to have access to the telephone card system 1000. For example, in the exchange of telephone cards, the merchant can be paid an annual fee at a time, or a right based on the value of the sale of phone cards. 69 After the merchant has agreed to the terms for accessing the telephone card system 1000, the processing computer 1005 contacts the POS 130 device through the communication network 120 (block 586). In a particular embodiment, said contacting is achieved using a VPN already in existence between the central control of function 110 and the POS 130 device. After establishing contact with the POS 130 device, the processing computer 1005 writes to the memory 114 of the POS device 130, so that the telephone card system 1000 is identified to the POS device 130 as an additionally accessible central function control (block 588). In addition, the processing computer 1005 indicates the components within the POS 130 and / or peripheral device of POS 140 that must be enabled each time the telephone card system 1000 is accessed by the POS 130 device. Such information is used by the function control matrix 116 to allow access to and to the various components of the POS device 130. In some embodiments, enabling a component through any central function control 110 makes the component functional without considering that the central control of Function 110 is accessing. In other embodiments, the components are only enabled when a central function control 110 that enabled the component is being accessed. In addition, the software applications for execution in the CPU unit 218 can be downloaded to the POS device 130 of the processing computer 1005. This function can also be performed at later dates when the POS device 130 enters the computer system. 1000 phone card using software out of update. In this way, the telephone card system 1000 can ensure that the POS 130 device always maintains a copy of the most recent software. After the telephone card system 1000 is identified to the POS 130 device and the components necessary to complete the transactions with the telephone card system 1000 are enabled (block 588), the central function control 110 is disconnected from the POS device. 130 (block 590) and updates the information associated with the merchant and the newly configured POS 130 device to the database 1010 (block 592). Such information may be used to allow future access by the POS 130 device, control billing to access where the access terms are provided for billing, statically verify the use of the POS 130 device to determine which promotional materials will be supplied. through the POS device of the central function control 110, and the like. With the POS device 130 configured to have access to the telephone card system 1000, it is not necessary to perform again, unless for some reason, access to the telephone card system 1000 which is subsequently discontinued. In some embodiments, wherein the POS device is configured to allow access to a central control of particular function 110, such as in this case, the telephone card system 1000, access is automatic when a particular transaction is requested through of the POS device 130. In this way, for example, when a check is presented for cash as discussed below, the POS 130 device automatically enters the central function control 110 through the communication network 120 to complete the transaction . Referring to Figure 5E, a flow chart 1100 illustrating one embodiment of a method for issuing and using telephone cards according to the present invention is described. Following flow chart 1100, the value can be added to an existing or new card (block 1130). The value can be added by offering the amount that will be added to the merchant associated with the POS 130 device. The merchant can then enter the value to the POS 130 device through a numeric keypad, or a touch screen integrated into the device. POS 130. Alternatively, the value can be offered by sweeping a credit card, a smart card, or a debit card through the respective readers integrated with the POS 130 device. This can also be done through the customer using readers integrated with the peripheral of POS 140. In another alternative more, the amount that will be added may be offered by a check that is processed in accordance with the check processing system discussed further below. Furthermore, the amount can be offered through an automatic bank withdrawal in accordance with the value transfer system discussed below. In this manner, one skilled in the art will recognize that multiple central function controls 110 may be involved in the processing of a single transaction. Further, after reading this document, it will be apparent that a number of central function controls 110 can be formed together to create a transfer system, such as system 100. After the quantity is offered (block 1130), a key on the POS 130 device is pressed to indicate that the amount is to be added to an existing telephone card or a new telephone card (block 1132). If the amount is to be added to an existing card, the card is scanned through a card reader associated with the POS device 130 or the POS peripheral 140. From this, the card information is provided by the device. of POS 130 (block 1140). Alternatively, the card number can be typed into the POS 130 device either through a numeric keypad or a touch screen presentation. This card information is transferred from the POS 130 device to the processing computer 1005 of the central function control 110 through the communication network 120. In the illustrated mode, the card information is accompanied by a balance request (block 1142). The processing computer 1005 compares the information 73 card with the associated value account maintained as the phone card list 1011 in the database 1010. From the phone card list 1011, the processing computer 1005 v determines the remaining balance on the card in both the number of minutes remaining as the cash value of the minutes. This balance information is transferred to the POS 130 device through the communication network 120, which in turn presents the information in either or both of the POS device 130 and / or the POS peripheral 140 (block 1144). In some modalities, information on the purchase of additional minutes including, but not limited to, costs, any discounts or special offers, and / or additional offers from the central 110 function control providers may be presented in addition to the balance information. . Both the customer, through the POS 140 peripheral, and the merchant, through the POS 130 device, can then enter the amount to be added to the card either in minutes or in cash value (block 1146). The entered amount can be typed either through a numeric keypad or a touch sn and can be an individually determined amount, or a preselected amount. In this way, for example, a customer can enter the amount of $ 9, or the customer can respond to a special offer through a hot key on the touch sn that offers a particular number of minutes for a pre-set dollar amount. . After selecting the desired amount, the merchant 74 offers the payment by the customer for the selected amount and indicates the payment offered to the POS 130 device (block 1148). The amount may be offered in any number of ways including, but not limited to, cash, check, it card, debit card, and / or smart card transaction, all of which may be provided through the POS 130 device. and / or the POS peripheral 140. With the quantity offered, the merchant indicates the term of the transaction to the POS device 130, which in turn transfers the information about the completed transaction to the processing computer 1005 through the communication network 120 (block 1150). The processing computer 1005 then adds the additional amount to the value account associated with the card (block 1152) and updates the value account in the telephone card list 1011 to reflect the added value (block 1120). It must be recognized that a reverse transaction using an existing card is also possible. In said inverse transaction, the existing card is presented through the POS device 130 and the value held in the stored value card in the minute and / or cash zone can be accessed either to complete a purchase of an item from a merchant or for retirement. In said transaction, processing computer 1005 determines the value associated with the card, and the value is presented to the customer. The customer then determines another amount to withdraw what will be applied to a purchase, and that amount is deducted by the processing computer 1005 from the value account associated with the card. The merchant then offers the value, or offers an item purchased in exchange for the value, in which case the merchant retains the value as payment. From the description in this document, it should be evident that many other value transfers in relation to stored value cards can be facilitated in accordance with the present invention. For example, the stored value card may be associated with an aviator or frequent traveler account. This account can be accessed to add frequent passenger miles and / or use frequent flyer miles in exchange for items, services, or cash. One skilled in the art will recognize a greater number of other possible applications in relation to the present invention. The value can also be added to a new card, where it is determined that an existing card does not exist or that the customer simply expects to open a new account (block 1132). In such a situation, the information for identifying the stored value card and the associated value account is entered through the POS device 130 and / or POS peripheral 140. Such information may include a name, address, and a telephone number of the client, as well as a card number associated with the card that will be issued (see block 1168). The information regarding the customer can be obtained by sweeping a credit, debit, or smart card associated with the customer and including the customer identification information through the readers either on the POS device 130 or the device. peripheral 140. In addition to obtaining customer information, the scanning of the cards can also be used to offer any amount needed to pay for the transaction (see block 1164). Alternatively, a driver's license or other form of identification can be read either by a magnetic strip reader or a barcode scanner associated with the POS 130 device. In other embodiments, the information obtained is minimal to provide a customer privacy. Thus, for example, in some embodiments, only the number of the card delivered is obtained as discussed below. After obtaining the information that will be associated with the new card, the initial amount that will be added to the card is indicated through the POS 130 device or the POS 140 peripheral (block 1162). As before, said amount can be selected by the customer and entered either by the customer through the POS peripheral, or communicated to a merchant who then enters the quantity through the POS 130 device. Alternatively, a predetermined amount for a The particular number of minutes can be selected either through a touch screen or the numeric keypad associated with either the POS 130 device or the POS 140 peripheral. Next, the selected amount is offered from the customer to the merchant as described. previously (block 1164). Afterwards, both the merchant indicates that the amount has been offered and, in situations where an electronic form of payment is used, the customer can approve the transaction through an electronic signature, by pressing a particular key, and / or using the various biometric devices associated with the POS device 130. With this accomplished, the POS 130 device knows the amount that has been offered. The initial amount offered (block 1164), the information will be associated with the card (block 1160), and the card number of the newly issued card is transmitted to the central function control 110 through communication network 120 (block 1166) ). In some embodiments, the card number is determined by a card issuer 226 that is associated with the POS 130 device. Such a procedure may include the card issuer that maintains a list of cards that will be issued and provides the number of the next card. card that will be issued. In other embodiments, the card number may be entered by the merchant who does not have a new card, and any of the keys of the card number in the POS 130 device or sweeps the card through a magnetic strip reader associated with the card. the POS device 130. After transferring the card information to the central function control 110, the processing computer 1005 creates a new value account associated with the new card, including varied information about the client and the card number (block 78 1120). In addition, the new value account can be marked as active and a PIN to access the new value account using the card can be either sent by mail to the customer at a given address, or provided immediately to the customer through the POS device 130. When the PIN is provided to the customer through the POS device 130, it is transferred to the POS device 130 through the communication network 120, and a receipt and is provided to the customer using a roller printer associated with the POS 130 device. In some embodiments, the receipt includes the transaction amount and the PIN. In addition, the new card is issued (block 1168). Said issuance may be through the merchant having the card to the customer of a stack of cards, or through direct issuance of a card issuer 226 associated with the POS 130 device. In fact, in some embodiments, said direct issuance may include writing the magnetic strip of the card and / or adapting the card through the card issuer 226. By using a telephone card issued as previously described, a user can initiate and complete telephone calls. To do that, a user can call the telephone system 1020 using telephone 1040 (block 1102). The telephone system 1020 may then ask the user for the card number, the PIN, and the desired telephone number with which he wishes to make contact (block 1104). By using this information, the telephone system 1020 can make contact with the central control of function 110 to determine an available balance on the card and authorize a transaction using the card based on the received card number and the PIN (block 1106) . If the value account associated with the card lacks sufficient value to complete the requested call or the PIN and the card number do not match, so that the use of the card is not authorized (block 1108), the user is notified the fault (block 110). Alternatively, if the card is authorized and there is sufficient value (block 1108), the telephone system 1112 proceeds to complete the desired call (block 1112). Once the call has ended (block 1114), or at increasing points during the call, the used value can be transmitted to the central function control 110 (block 1116). Then, the determination machine 1030 calculates the amount of value used and deducts it from the value account associated with the card (block 1118). In some embodiments, the determination machine 1030 continuously verifies the call and can issue a call termination when insufficient funds remain in the value account to continue the call. When the call is completed, the processing computer 1005 updates the value account based on the information of the determination machine 1030 to reflect the balance it has after deducting the cost of the call. It will be recognized that a greater number of other uses of the present invention is possible in relation to stored value cards. In addition, it will be recognized that in the examples of card 80 of previous stored value are merely illustrative and that a number of modifications for the examples is possible. For example, said stored value card procedures may be used in conjunction with a value transfer system, wherein the value transfer system makes the payment for a purchased stored value card. Alternatively, said value transfer system can be used to transfer value from a value account associated with a stored value card to one or more destinations. In this way, it will be recognized that although examples of stored value cards are described in relation to a single central function control 110, it is possible to complete transactions where multiple central function controls 110 are accessed through the POS 130 device and / or the POS peripheral 140. In this way, for example, a customer can complete a transaction involving both a central function control 110 for a value transfer system and a central function control 110 associated with a value card stored without knowing who you have to deal with other than a merchant who maintains the POS 130 device., it should be recognized that an additional function central control 110 associated with a fraud detection system and another central function control 110 that governs the control of all POS 130 devices can also be used in relation to the previously discussed systems. For example, a central function control 110 that governs the control of all 81 POS devices 130 may communicate with other central function controls and perform the update functionality described in relation to FIG. 5D. Based on this description, one skilled in the art will recognize a number of other function possibilities provided by the aforementioned central function controls 110 and / or additional central function controls 110.

B. Value Transfer System Another central function control 110 may be a value transfer system as described in U.S. Patent Application No. 10/040568, entitled "Systems and Methods for Inputting and Receiving Information Across a Computer Network ", filed on January 4, 2002, the entirety of which is incorporated herein by reference for all purposes. Such a value transfer system provides various equipment and techniques to move money or other types of value. The value transfer system uses several input and output interfaces to facilitate these transfers. In accordance with embodiments of the present invention, these input and output interfaces can be POS 130 and / or POS 140 peripheral devices. POS 130 devices and peripherals 140 can be accessed by both the transmitter and the receiver. . Access to the value transfer system can be provided using methods similar to those previously discussed in relation to Figure 82 5D. By using the value transfer system, a wide variety of payment instruments can be used to offer payment for a number of different transactions. For example, the payment can be offered in cash to a merchant operating the POS 130 device, or to a cash acceptance mechanism (not shown) associated with the POS 130 device. Alternatively, the payment can be accepted by credit card. credit, debit card, and / or stored value cards inserted into the POS 130 device through the magnetic reader interface 244 or the POS 140 peripheral through the magnetic reader interface 268. Yet another alternative provides for providing payment through a check reader via MICR 234, or through an Automatic Settlement Bank ("ACH") transfer from a bank account by entering account information through the keypad interface 242 or through the keyboard reader interface 266. It should be recognized by one skilled in the art that other methods and mechanisms according to the present invention can be used to provide l payment in the value transfer system. The payment provided can be transferred through the value transfer system to a receiver to the same POS 130 device or to a different one from the one that received the payment. In this manner, a recipient can receive the payment provided as cash from a merchant operating the POS 130 device, or from a cash dispenser of 83 (not shown) associated with the POS 130 device. Alternatively, the receiver can be paid through a check issued from the POS device 130 through the printer interface 232, or from the POS device 140 through the printer interface 256. Similarly, the receiver can be paid through a money order produced either using any of the aforementioned printer interfaces. As a further alternative, the receiver can be paid by charging the transferred payment to a stored value card using either the magnetic reader interface 244 or the magnetic reader interface 268, or by issuing a new stored value card 224 through the transmitter of card 226. One skilled in the art will recognize a variety of other methods and mechanisms for transferring the value to the receiver in accordance with the present invention. Figure 6 illustrates the illustrative value transfer system 600. Although Figure 6 shows an illustrative money transfer mechanism, one skilled in the art will recognize other money transfer mechanisms to which the present invention may be applied or used in conjunction with the POS 130 device. Referring to Figure 6 , the 600 value transfer system is composed of a central function control 110, an automatic payer system ("ATM") 645, a deposit maintenance network 650, a credit maintenance network 660 and a central exchange 670. The central function control 110 is coupled in the form of communication to the ATM system 645 through an ATM network 640, network of deposit maintenance 650 and credit maintenance network 660. In general, central function control 110 unifies a variety of transfer systems while supporting a variety of mechanism for entering and receiving information to and from the 600 value transfer system. As previously illustrated in Figure 1, the central function control 110 is coupled in the form of communication to one or more POS 130 devices and POS 140 peripherals through the communication network 120. In some embodiments, the network of Communication 120 is a TCP / IP concessive VPN. In addition to facilitating communication between the POS device 130 and the central function control 110, the communication network 120 can also facilitate communication between the central function control 110 and a variety of input and / or output interfaces as described in the aforementioned patent application. Thus, in accordance with the various embodiments of the present invention, the POS 130 device can be used in connection with the transfer of value to or from a kiosk, an ATM, an agent, a bank account, and the like. By using the 600 value transfer system, the value can be transferred from any of a number of points. For example, the value may be transferred from the POS 130 device to itself or any other POS terminal or device 130, from any POS 130 device to a deposit account via 85 of the deposit maintenance network 650 or the credit maintenance network 660, and / or from any POS 130 device to any ATM 614 through the ATM 640 network. Many other A / D transfers ATMs 614, deposit accounts, terminals, and credit accounts they can be achieved using the value transfer system 100. Referring to Figure 7, a central function control 110 associated with the value transfer system 600 is illustrated. The central function control 110 includes a network processor 732 for processing data received and transmitted through communication network 120. Data to / from network processor 732 is available to a guest 733 who can communicate with one or more of a translator of value 735, or na transaction database 736, a determination machine 737, and a message sending machine 738, to perform functions associated with the transfer of value through the 600 value transfer system. In turn, the sending machine message 738 may communicate with message translator 739. Messages received and / or provided by central function control 110 may include sender information, receiver information, identification information associated with a terminal 710 or POS device 130 , the type and amount of value transferred, a desired location to transfer the value, and the like. In some cases, a 735 value translator can be used to change the type of value. For example, the 735 value translator can make a foreign currency conversion, or 86 can transfer from one type of value to another, for example, frequent flyer miles to US dollars. All the information that is conveniently processed can be stored in the transaction database 736. The determination machine 737 can be used to facilitate the credit and debit of several accounts during a transfer. For example, if an issuer requests that funds from a credit card account be used in the transfer, the determination machine 737 is used to make contact with the 660 credit maintenance network to load on the card and to administer the rights involved in the transaction. These rights may be those charged by the credit organization as well as internal rights that are a part of the money transfer transaction. The determination machine 737 can be used in a similar way when checking accounts are credited or charged, stored value accounts, customer loyalty points and the like. In some cases, the sender may also wish to send a message with the value. This message can be a simple greeting, business or legal terms, and the like. The message sending machine 738 is sent to convert the message to the appropriate format depending on the type of output device to be used with the receipt of the money. For example, the output device may be a printer that physically prints the message on some type of medium. Alternatively, the message may be temporarily displayed on a display screen, such as in kiosk, ATM machine, point-of-sale device, e-mail, web page, or the like. The sender or receiver may also indicate that the message needs to be translated into a different language. In such cases, the 739 message translator can be used to translate the message into another language. This can be achieved simply by performing a word search for each corresponding word in the other language. You can also use more complex language translation capabilities. Once a value transfer is properly processed, the data indicating the transfer is sent through a switch 734 to the appropriate network, as shown. This can be to ATM network 640, deposit maintenance network 650 and / or credit maintenance network 660 to complete the transaction. In this way, by using the POS 130 device, a number of value transfers can be made. For example, Electronic Banking Transfers ("EBT") can be completed to pay for merchandise, or even make a deposit at the bank through a POS 130 device located at a merchant's site. Based on this discussion, one skilled in the art will recognize a myriad of transaction types that can be achieved in accordance with the present invention. For example, the systems and methods are those described in the patent application of E. U. A. No. 09 / 990,702, entitled "Electronic Identifier Payment Systems and Methods 88" which may be used in connection with the present invention. The aforementioned U.A. patent application is filed on November 9, 2001 and the entirety thereof is incorporated herein by reference for all purposes. In addition, the patent application of E. U. A. No. 10/007701 with the same title, filed on December 7, 2001, and incorporated herein by reference for all purposes, may similarly be used. Other examples of the variety of possible transactions using systems and methods of the present invention are discussed in the following sections. i. Example of Payment in Series and Payroll Using the 600 value transfer system in relation to the POS 130 devices, a large number of services can be implemented in accordance with the present invention. For example, many businesses such as credit unions, banks, and transportation companies need to transfer money to employees or customers traveling to distant locations for a variety of reasons including, but not limited to, payroll, cash advances, balance transfers and emergency money. These transactions can be facilitated by depositing a sum of money in a bank account and directing the division of the money to one or more recipients. Recipients destined afterwards are provided with identification information to access the funds that have been transferred to them. The intended recipients can then enter at 89 a location where a POS 130 device is located, enter the identification information through the keypad interface 242, or another suitable interface, and receive the transferred funds. The identification number indicates that central function control 110 is selected to complete the particular transaction. For example, the central control of function 110 can be maintained by a bank, where the funds for disbursement were initially deposited. Based on the identification information, the POS 130 device can automatically make contact with the indicated function 110 central control, and complete the desired transaction. Funds can be received in any number ways. For example, funds can be received by loading them (using the magnetic reader interface 244 or the electronic reader interface 246) to a stored value card already in the possession of the recipient. Alternatively, a new stored value can be issued through the card issuer 226, and the receiver can use the card to make purchases through the same POS 130 devices or other POS devices, or the recipient can withdraw the funds in an ATM 114. In addition, the funds may be dispensed in cash by a cash disbursement mechanism (not shown), or as a check printed either by the printer interface 232 or the printer interface 256. 90 ii. Payment of Convenience In addition, a convenience payment system can be implemented using the 600 value transfer system in relation to the POS 130 devices according to the present invention. Said convenience payment system allows a customer to enter a site with a POS 130 device and make bill payments to one or more creditors. To do this, the customer enters the account information associated with a particular invoice. For example, the customer can enter account information in relation to a service bill, car payment, a house payment, a credit card payment, or the like. Afterwards, the customer can enter the payment amount. The payment amount can then be offered by a merchant operating the POS 130 device, or by sweeping some type of payment card, or by entering payment information to the POS 130 and / or POS 140 peripheral device through one or more interfaces associated with it. The POS device 130 then makes contact with the central function control 110 associated with the account that will be paid and indicates that the payment has been offered. The payment offered after can be provided directly to the control of function exchange 110 in the case of an electronic transfer, or of a merchant account that operates the POS 130 device, or later paid by invoicing the merchant. In the case where the merchant's account is owed or the merchant is subsequently paid 91, the merchant collects the customer's payment. In this way, for example, when the customer pays in cash, the merchant gathers the cash and indicates to the control of function 110 that the amount has been offered. The function center control then knows how to charge the merchant the amount and credit the customer's account. With the complete transaction, a waste is printed through a roller printer integrated with the POS 130 device, indicating the amount of payment, and the amounts credited and owed. In some modalities, a receipt is printed for the customer with important information about the customer, and another receipt is printed for the merchant with pertinent information to the merchant. In some modalities, a customer can pay a number of invoices in a single transaction. In such cases, the various accounts and payments are introduced to the POS 130 device. The total amount of payments can be added by the POS 130 device including transaction rights, if any, and an account to cover the aggregate payments offered by part of the client. In some embodiments, only an individual function central control 110 is contacted to complete the payment transaction. In this way, for example, all payment information can be transmitted from the POS device 130 to the network processor 732 and the guest 733. The guest 733 then disintegrates all the payment information, and charges and credits the appropriate credit accounts through the deposit maintenance network 650 and / or 92 the credit maintenance network 660. In other embodiments, a variety of central function controls 110 associated with each of the various accounts is contacted directly through the POS device 130. Thus, for example, when a service payment and a car payment are made in a single transaction, the POS device 130 determines that central function control 110 is associated with the payment of services and that Central function control 110 is associated with automobile payment. Then, the POS device 130 contacts the central function control 110 associated with the automobile payment to complete that transaction and subsequently, or in parallel, contacts the central function control 110 associated with the payment. of services to complete that transaction. With the complete transaction, a receipt is printed indicating the amounts credited to the various accounts through an integral printer to the POS 130 device. iii. Rapid Collection Similarly, a quick collection system can be implemented using the 600 value transfer system relative to the POS 130 devices according to the present invention. More particularly, business and / or financial institutions can allow debtors to make payments. The debtor can go to a site where a POS 130 device is located, enter his account information through the keyboard interface 93 242 or the keyboard reader interface 266, provide the funds and either to a merchant associated with the POS 130 device or directly to the POS 130 device. The funds can be provided directly to the POS 130 device using a cash receiving mechanism (not shown), sweeping a credit card through a reader interface magnetic 244 or a magnetic reader interface 268, use a smart card through the electronic reader interface 246 or electronic reader interface 264, write information in the bank account through the keyboard interface 242 or 266, write information in the bank account through the presentation reader interface 248 or the presentation reader interface 262, or write a check and provide l check to MICR 234 and / or image formation interface 230. The POS 130 device analyzes the payment information to identify an appropriate central function control 110 to which the payment is to be directed. The POS device 130 contacts the selected central function control 110, transmits the received payment information, and awaits confirmation that the payment has been accepted. Then, in some modalities, the selected function central control transmits an acceptance of the offered payment, together with an account balance reflecting the balance after deducting the recently granted payment. The POS device 130 then prints a receipt of the transaction indicating the received payment and / or the new account balance through the printer interface 232 or 94 printer interface 256. Such a quick collection service can help a business creditor to edit the syndrome "the check is in the mail", instead of waiting to see when and if the check arrives, a debtor can be directed to a site where a POS 130 device exists to make any required payment. When such POS 130 devices are available in extensive sites, the transaction can be consummated in a minimum time, compared to the time it takes to receive a check in the mail.

C. Revenue or Lace System Another central function control 110 provides "snap-in" of checks and / or money orders. As used here, the reserve is a procedure to provide payments for a negotiable instrument and avoid multiple payments for the same negotiable instrument. The snap can be provided in a POS 130 device, where a check is exchanged for payment. Alternatively, the socket may be provided at any number of terminals 710 capable of receiving a check and providing exchange value. Figure 8 illustrates an income system or socket 700, interacting with various POS 130 devices, peripheral devices 140, and terminals 710 through the communication network 120. In one embodiment of the socket system 700, the communication network 120 is a dial-up network that operates through an old-plan telephone system ("POTS"). The fitting system 700 includes a function control center 110 coupled as a communication to a database 720. The database 720 comprises a list of approved checks 721 and a list of bad checks 722. In some embodiments, the Function control center 110 comprises a microprocessor-based computer capable of receiving and sending communications through communication network 120, accessing database 720 and comparing information received from POS devices 130 and terminals 710 against the information maintained in the database 720. Figure 9 illustrates a flow diagram 800 of a modality of a fitting method used in accordance with the present invention. Following the 800 flow chart, a customer presents a check to a merchant for cashing (block 810). The check can be a money order, a personal check, a cashier's check, or any number of similar negotiable instruments. The merchant takes the check and enters the information regarding the check including, but not limited to, the payer, the payer, and / or several associated account numbers (block 815). In some embodiments, the merchant enters this information manually through the keypad interface 242, while in other modes, the merchant enters this information using the MICR 234 to automatically read the check. In still other embodiments, the merchant does not handle the check, but rather the information regarding the check is entered through the keyboard reader interface 266 or a MICR (not shown), both associated with the peripheral device. 140. In some embodiments, communication between the POS device 130 and the central function control 110 is initiated in the background as the check information is inputted. In some embodiments, a variety of central function controls 110 is accessible to complete a transaction. For example, if you present a money order from company A to fit or entry, a central function control maintained and updated by company A can be accessed. In other cases, where you present a traveler's check from company B, a central function control maintained and updated by company B can be accessed. In still other alternatives, the information regarding the checks of both company A and company B are maintained in the same central function control 110, in which case, the same central function control is used when checking checks are made. Any company. In particular embodiments of the present invention, the POS 130 device automatically directs the check information to the appropriate central function control 110. This can be done based on the address numbers or other information provided in a presented check. In this way, as the check information is input to the POS 130 device, the POS 130 device automatically determines the associated central function control 110, and initiates communication with the selected central function control 110. If a central function control can not be identified for the presented check, the POS 130 device may present an error message through the presentation 210 and / or presentation 252. In such a case, the transaction may be denied and the check returned to the client. Information about the check is transferred from the POS device 130 to the central function control 110 through the communication network 120 (block 820). The received check information is compared against the contents of the database 720 (block 825). The comparison first determines whether the submitted check has been previously approved for payment (block 830), or is known to be a bad or stolen check (block 835). Checks that have been previously approved have also been negotiated. In this way, when the information on the submitted check matches the information in the approved checklist 721, the reserve or income system 700 avoids providing the payment for a previously negotiated check by transmitting a payment disapproval to the POS 130 device ( block 840). After receiving a payment disapproval, the customer and / or the merchant is informed of the disapproval through the presentation 210 and / or presentation 252 (block 845). In some embodiments, the customer is instead provided with a hard copy of the disapproval through the printer interface 232 and / or printer interface 256. Alternatively, if the check information does not match the information in the approved list 721 , the check information 98 presented is compared against the information in the bad check list 722 (block 835). If the information presented indicates that the check is bad, a disapproval is transmitted to the POS device 130 (block 840) and the transaction is denied (block 845). When the information on the submitted check does not match the information on the approved checklist 721 or on the bad checklist 722, the check information is added to the approved checklist 721, since the check will then be approved for negotiation and the transaction will be consummated (block 850). An approval of the central function control 110 is transmitted to the POS 130 device through the communication network 120 (block 855). After receiving the approval, it is presented in the presentation 210 and / or presentation 252 and the value associated with the check is provided to the customer (block 860). The provision of such value may include having the merchant with the scattered value of an available cash register or other source, or in some embodiments, providing the value directly from the POS 130 device through a cash dispersal mechanism (not shown) . Alternatively, the value can be delivered as a stored value card 224 through the card issuer 226, or as another negotiable instrument printed using the printer interface 232 or the printer interface 256. In cases where the transaction is not completed , the POS 130 device can transmit the failure to complete in the central function control 110. In turn, the central function control 110 99 can remove the incomplete check from the list of approved checks 721 in the database 720. In this way, the next time the check is submitted, it will be approved.

D. Loyalty Program System Another central function control 110 may be a loyalty program system as described in U.S. Patent Application No. 10 / 079,027 (Proxy No. 020375-003300), entitled "Systems and Methods to Operate Loyalty Programs ", filed on February 19, 2002, the entirety of which is incorporated herein by reference for all purposes. Said loyalty program system provides various techniques and equipment for administering loyalty programs offered by retail vendors and the like. Included within this loyalty program system is the use of various entry and exit systems to track customer purchases and allow the customer access to the loyalty program value. According to embodiments of the present invention, these input and output systems can be POS 130 and / or POS 140 peripheral devices. FIG. 10 provides a schematic summary 1200 of how a loyalty system structured as a central control Function 110 can be integrated to operate in relation to one or more POS 130 devices and / or POS 140 peripherals according to various embodiments of the present invention. In the illustrated embodiment, each of a plurality of POS 130 100 devices is coupled in communication form to the central function control 110 through the communication network 120. The central function control 110 includes a loyalty switch 1212, an authorization 1220, and a loyalty guest 1216. The various POS 130 devices and POS 140 peripherals can be widely distributed geographically and be associated with a variety of different merchants and / or organizations, including different retail stores, retail stores, and retail stores. service, and the like. Each POS 130 device can be configured to accept one or more different types of payment options including, but not limited to, a credit or debit card that can be read through a 1250 magnetic strip reader integrated with the device. POS 130, a smart card that can be read by an electronic card reader 1260 integrated with the POS device 130, and a document image former 1270 similarly integrated with the POS 130 device. Individual customers can control the device of POS 130 through a commercial that operates the device, or directly through the POS peripheral 140. When a transaction is executed using the POS 130 device, an electronic package identifying the terms of the transaction and including an identification of the instrument of payment is sent to the loyalty switch 212 of the central function control 110, which makes a dete rmination if the merchant and the customer who are parties to the transaction are registered within 101 of the loyalty system. This comparison is made by comparing the identification of the parts included in the electronic package with a list in the database of registered participants. If any part is not registered, the loyalty switch 212 sends the electronic packet to an appropriate authorization authority 1220. As described more fully in the aforementioned US patent application, the authorization authority will generally comprise an issuer and / or an issuing organization. That issuer may be a party that issues IDs associated with a particular loyalty program. In this way, for example, an airline can be an issuer in relation to a frequent traveler program. Similarly, a sending organization may be a group of parties that issue IDs for a common loyalty program. In this way, for example, a credit card company that offers miles to frequent travelers may be part of an issuing organization that includes an area line that also offers miles to frequent travelers., and also honors such frequent flyer miles. Said emitters can provide instruments, such as, for example, a magnetic rita card to identify individual customers and their participation within the loyalty system 1200. The electronic package is then received from the loyalty switch 1212. The authorization authority 1220 determines whether authorizing the transaction in accordance with its own standards and communicating its decision through the loyalty switch 1212 to the originating POS 130 device. If the authorization authority 12 indicates that the parties to the transaction are registered participants in the loyalty program, the loyalty switch 1212 also sends the electronic package to the loyalty host 1216. the loyalty host 1216 will generally be composed of an aggregator as it is further described in the aforementioned US patent application. In summary, an aggregator acts as an intermediary between an issuing association and a plurality of merchants. The aggregator can also act as a direct intermediary between an issuer and merchants, in which case it operates in a manner similar to the aforementioned issuing association. The loyalty host 1216 stores management criteria for loyalty programs, which together can be part of a more comprehensive loyalty system. These management criteria can be applied according to a variety of different schemes for said loyalty system, some of which will be described later. Several advantages, including the increased flexibility of administration, resulting from the remoteness of the guest of loyalty 1216 in some modalities allows greater integration of the loyalty programs within the loyalty system. The loyalty switch 1212 can also be configured to send the electronic packet to the authorization authority 103 1220 to approve the transaction, although in some embodiments that function will be performed directly by the loyalty host 1216 to ensure that the loyalty credit is given. only if the transaction is properly authorized and satisfactorily executed. The coordinated operation of loyalty switch 1212, loyalty host 1216 and authorization authority 1220 with respect to a transaction is illustrated in flow chart 1300 of Figure 11 for a modality. Those functions performed by the loyalty switch 1212 are generally denoted by the block 1315 and those functions performed by the loyalty host 1216 are generally denoted by the block 1325. In block 1304, the transaction data is received from the POS 130 device through the communication network 120 as an electronic package through the loyalty switch 1212. The loyalty switch 1212 compares the identity of the merchant in block 1308 and the identity of the client in block 1312 with a database identifying all merchants and participating customers. If both the customer and the merchant are not a participant in the loyalty program, the authority for the transaction is sought in block 1328. The response is communicated back to the POS 130 device, where the transaction is executed or declined from. agreement with the authorization response. If both the customer and the merchant participate in some loyalty program operated by the loyalty system 1200, the appropriate loyalty procedure is executed in block 1316 in accordance with the provisions for that particular merchant and / or that particular customer. Said execution may include making a decision to provide a gratification to the customer immediately at the point of sale, and in some cases printing a gratification residue through a printer (not shown) integrated to the POS 130 device. In block 1320 a determination is made if the transaction requires authorization by the authorization authority 1220. Examples of transaction types that require authorization include credit and debit transactions; Examples of type of transaction that do not require authorization include the use of a stored value card or coupons, and cash payment with presentation of a dedicated loyalty card. If necessary, authorization for the transaction is sought in block 1324 and block 1332 an evaluation of the response is made. If the declined transaction, the loyalty transaction is returned to block 340 and the payment response is returned to the POS 130 device in block 1344. In this provision, the execution of the loyalty procedure is generally initiated before receiving authorization. for the transaction. This is preferred primarily for reasons of efficiency, so that transaction authorization can be sought at the same time that the loyalty procedure is being executed. It is expected that a large majority of transactions will be authorized, so the need to return the loyalty transaction will be exceptional. In an alternative mode, the authorization can be sought before starting the loyalty procedure. This has the advantage of avoiding the need to return a transaction to block 1340, but it is expected to be less efficient.

In block 1336 if it is reached through the flowchart since no authorization is necessary for the transaction or since the transaction was authorized, a response is returned to the POS 130 device. This response includes the loyalty characteristics, such as a change in points or the availability of a prize, as well as an indication that the transaction has been authorized. In loyalty host 1216 may be configured in a variety of different ways to perform the functions described with respect to Figures 12 and 13. In one embodiment, a computer system is used, an example of which is shown schematically in Figure 12A . This figure broadly illustrates how the individual system elements for the loyalty host 1216 can be implemented in a separate or more integrated manner. The loyalty host 1216 is comprised of hardware elements that are electrically coupled through a common conductor 1408, including a processor 1401, one or more input devices 1402, one or more output devices 1403, one or more devices storage 1404, a computer readable storage media reader 1405a, a communication system 1406, a processing acceleration unit 1407, such as a DSP or special-purpose processor, and a memory 1409. The storage media reader computer readable 1405a further is connected to a computer readable storage medium 1405b, the combination comprehensively representing remote, local, fixed, and / or removable storage devices plus storage media to temporarily and / or more permanently contain computer-readable information . The database information with respect to merchants, issuers, and / or individual customers is generally stored in the storage devices 1404. The database information stored in the storage devices 1404 is sometimes referred to herein as defining a "central database", although there is no requirement that said central database be stored in an individual storage device. For example, the central database may comprise a distributed database being stored across multiple storage devices 1404. However, a central database includes the storage of database information only in local instruments with individual customers. and / or merchants. For example, in modalities where transactions are initiated with integrated circuit cards that identify the clients that possess them, the use of a central database allows the client's records to be stored remotely from the individual smart cards. The communication system 406 is configured to carry out communications as necessary with merchants and issuers. In this way, it receives the electronic package from the POS 130 device and transmits any loyalty or payment authorization as necessary back to the POS 130 device. In addition to providing said internal infrastructure communication links to the system, the communications system 406 may also provide a connection to other networks such as the Internet and may comprise a connection via cables, wireless, modem, and / or other type of interface connection. Said additional connections may also be useful for support functions that can be aided by the loyalty host 1216 described below and provided for merchants, issuers and customers. The loyalty host 1216 also comprises software elements, shown as being currently located within the working memory 1491, including an operating system 1492 and another code 1493, such as a program designed to implement methods of the invention. It will be apparent to those skilled in the art that substantial variations can be used according to specific requirements. For example, custom hardware can also be used and / or particular elements can be implemented in hardware, software (including portable software, such as small applications), or both. In addition, the connection to other computing devices such as network input / output devices can be employed. Figure 12B provides a schematic illustration of a mode in which the loyalty host 1216 is connected to the Internet 1432 to provide support services to merchants 1444, senders 1446, sender associations 1442, and / or 1436 clients. transactions eligible for loyalty credit, the loyalty host 1216 can be configured to assist in functions supplementary services capable of exploring the fact that the loyalty guest 1216 is equipped to maintain database information for participating merchants 1444, issuers 1446 , broadcast associations 1442, and / or customers 1436. An adaptation of such support services through an Internet connection is also to use infrastructure connections described with respect to Figure 3 and intended for non-time critical services such as the loyalty procedure and the authorization decisions needed at the time of a transaction. Figure 12B shows three examples of support services that can be configured in this way, although it will be appreciated that additional support services can be similarly provided. The specific elements of the aggregator 1440 are configured in communication with the loyalty host 1216, examples of which include a card creation element 1420, a customer care element 1424, and a determination element 1428. Such elements may be provided as functions composed by the loyalty host 1216 or can be provided as functions that operate separately, but with access to the loyalty guest 1216. Each of the elements of the support service includes a communication with the Internet 1432, so that its functions may be accessed as necessary or desirable by the merchants 1444, issuers 1446, issuer aggregators 1442, and / or customers 1436. The systems described above are suitable for adapting a wide variety of different types of loyalty programs. Such loyalty systems are described more fully in the aforementioned US patent application and include loyalty programs that are specific to an individual store or organization or other programs that extend through multiple, unrelated organizations as part of a more comprehensive loyalty system. Figures 13A-13D provide illustrative examples of support functions that can be performed by the loyalty host 1216. For example, Figure 13A is a flow chart 1500 illustrating card creation functions that can be assisted by the interaction with the loyalty host 1216. In block 1504, one or more 1444 merchants who wish to provide a loyalty program such as those described above to their customers transmit information describing the loyalty program to the 1440 aggregator. Such loyalty program 110 may be specific To a given store, it can apply more widely to all stores for a given organization, or it can still be spread through multiple merchants and organizations. In block 1508, transmitter 1446 transmits card information to aggregator 1440. Such information will generally be sufficient to identify a 1436 customer participating in the loyalty program of any instrument that has been designated to act as a point aggregator for the program . In some embodiments, the information includes a password issued to the customer 1436 for use by the customer to access other support functions described below. In block 1512, the information received from both the merchant (s) 1444 and the sender 1446 is stored in the storage device (s) 1404 of the loyalty host 1216. This then allows access to the information to administer the loyalty program. Figure 13B is a flow chart 1501 illustrating certain customer care functions that can be aided through interaction with the loyalty host 1216. In block 1520, a customer 1436 makes contact with the aggregator 1440. This can occur in a variety of ways as determined by the 1436 customer, including through the Internet, by telephone, by fax, or through mail. The contact via Internet is usually accompanied by a welcome interface where the client 1436 also identifies his password. After providing the proper identification verification, a menu is displayed to allow the customer 1436 to select the desired customer care functions. Similarly, telephone contact will generally use an automatic menu system, where the 1436 customer will be asked to provide his password to verify his identity and to select desired functions, although an option to speak directly with a service representative is usually available. customers. Mail and fax communications will typically be handled by customer service representatives and will not usually provide a response as fast as Internet or telephone communications. In block 1524, aggregator 1440 has access to logs of storage device (s) 1404 of loyalty host 1216 as needed to respond to a request from customer 1436. The figure shows 3 examples of request types, although many other types of customer care service may also be provided with the information stored by the loyalty host 1216. For example, in block 1528, the aggregator 1440 may have access to the storage device (s) 1404 to provide a Activity summary for customer 1436, including information such as the total number and type of loyalty points, where those points were purchased, and the number needed to achieve certain target levels for awards. 112 In block 1532, aggregator 1440 can access storage device (s) 1404 to provide rewards for a 1436 customer who has accumulated the loyalty point requirement number. This activity involves verifying the number and type of accumulated loyalty points for a particular client and making a comparison with the requirements of the loyalty program. In one embodiment, one or more coupons, such as electronic coupons over the Internet, may be provided to the 1436 customer as the gratuity. The activity denoted in block 1536 is similar, but the gratification is coordinated by the 1440 aggregator instead of being provided in the form of a coupon. For example, with a loyalty program that allows the customer to redeem points for bonuses with different types of merchants, the aggregator 1440 can record a gratification selection for that merchant and arrange for it to be automatically redeemed when the customer visits the merchant again . More specifically, suppose that a loyalty program allows, and a customer selects, to redeem points for a 10% discount on any purchase in store X. The 1440 aggregator accepts the selection of customer 1436 to select said gratification and records that selection in the storage device (s) 1404. The next time the customer visits store X the registration of his reward selection is applied by the loyalty guest 1216 in block 1336 of Figure 11, so that 10% it is automatically deducted by 113 from the POS 130 device after the presentation of its identification instrument. Figure 13C is a flow diagram 1502 illustrating a mode in which the determination functions are aided by the loyalty host 1216. The determination system is particularly well suited for modalities where different merchants and organizations participate in a loyalty system common. The determination system allows determining the respective value of points issued or redeemed between various parties to the loyalty system, some of which assign different correlation rates for point values. Thus, in block 1540, the sender 1446 sends card activity information to the aggregator 1440 and the aggregator tracks points as they are issued or redeemed within the system in block 1544. The aggregator 1440 periodically determines the points with the 1446 issuers and 1444 merchants, thus acting as an independent auditor of their participation in the loyalty system. Said determination functions are typically performed at a time when the loyalty host 1216 is at least probably busy handling transactions, such as during the early morning hours. In addition to such functions, it is also desirable that the loyalty host 1216 perform reporting functions. Figure 13B illustrates a flow diagram 1501 of a mode in which said reporting functions are included. In block 1560, the issuer 114 or the issuer association 1442 initiates the creation of a report by sending a request to a report to the aggregator 1440. In alternative modes, the report requests can be automatically initiated on a periodic basis such as daily, weekly, or monthly. The loyalty data that will be used to generate the report are collected by the aggregator in block 1564, and the report is generated in block 1568.

E. Fraud Detection System Another central function control 110 may be a fraud detection system as described in U.S. Patent Application No. 10/091000 (Proxy No. 020375-008700), entitled "Systems and Methods of Evaluation of Money Transfer ", and presented on March 4, 2001, The entirety of which is incorporated herein by reference for all purposes. I enter other things, said fraud detection system can provide various techniques and equipment to detect fraudulent activity in relation to the transfer of money, securities, purchase and use of stored value card, and the like. The fraud detection system can be coupled to POS devices and thus verify activities that occur in relation to POS devices. In addition, said fraud detection system can indicate a suspicious activity and report suspicious activity directly to the POS 130 device. In some 115 modes, the fraud detection system can prevent a transaction being performed occurring in the POS device. 130 to avoid allowing the potentially fraudulent activity to be completed. Access to the fraud detection system can be done through another central function control 110, such as, for example, through the value transfer systems described previously. Alternatively, or in addition, access to said fraud detection systems can be provided directly to the POS 130 device through the communication network 120. In such cases, access can be enabled using methods similar to those previously discussed with regard to to Figure 5D. As another example of fraud detection, systems, methods and components such as those described herein can be used in connection with the patent application of E. U. A. (Proxy No. 020375-008800), entitled "Systems and Methods of Processing of Payment "and filed, the entirety of which is hereby incorporated by reference for all purposes.

F. Check Acceptance System With reference to Figures 14 and 15, a modality of a check transaction scenario is described using a POS 130 device interacting with a 1600 check system. In the modality, the charging system 1600 uses the following components of the POS 130 device 116: a MICR reader, a roller printer, a slip printer, a document image former, a magnetic strip reader, and a modem. It will be recognized that other embodiments that use either more or fewer components may be similarly used in accordance with the present invention. The check system 1600 is controlled by the central function control 110, wherein the central function control 110 includes a guest 1610 and a database 1620. In addition, the 1600 check system includes a 1640 telephone used by a merchant associated with the POS device 130 as indicated by the dotted line 1641, and a telephone 1630 used by the administration personnel associated with the central function control 110 as indicated by the dotted line 1631. In some embodiments, access the 1600 check system is pre-programmed as part of the POS 130 device. In such embodiments, the components necessary to complete transactions associated with the 1600 check system are enabled as part of the manufacture of the POS 130 device. However, in other embodiments, the POS 130 device must be dynamically configured to operate the 1600 check system some time after the i Installation at a merchant location. Referring to Figure 15A, a flow chart 1701 illustrating the enabling of the POS device 130 according to embodiments of the present invention is described. Initially, a merchant associated with the POS device 130 makes contact with a management person associated with the check system 1600 to request the use of the system (block 1709). In some embodiments, this is achieved through voice communication using the telephones 1630 and 1640 communicating through the communication network 120. In other embodiments, the request for access is achieved using the POS 130 device that communicates with the central function control 110 through communication network 120. After requesting access (block 1709), the merchant is presented with terms governing the access and use of the 1600 check system (block 1719). In some cases, the terms are very simple and do not require anything from the merchant. In other cases, the terms require payment by the merchant on a time and / or transaction basis. For example, the terms may require a merchant to share a small percentage of profits obtained through merchants who have access to the 1600 check system. In view of this description, a person skilled in the art will recognize a number of different business relationships that can be introduced before allowing the merchant access to the 1600 check system. For example, in exchange to allow the use of the 1600 check system, the merchant may agree to allow promotional graphics provided by the central function control 110 which have been deployed in the POS 130 device and / or an associated POS 118 peripheral, at the times when the 1600 check system is performing transactions in relation to the POS 130 device. After the merchant has agreed to the terms to access the 1600 check system, the check guest 1610 makes contact with the device of POS 130 through communication network 120 (block 1729). In a particular modality, said contact is achieved using the Internet comprising a portion of the communication network 120 through a dial-up modem. After contact is established with the POS 130 device, the check guest 1610 writes to the memory 114 of the POS 140 device, so that the check system 1600 is identified to the POS 130 device as a central control of the POS device 130. additionally accessible function (block 1739). In addition, the check host 1610 indicates the components within the POS 130 and / or POS 140 peripheral device that must be enabled each time the 1600 check system is accessed by the POS 130 device. Such information is used by the function control matrix 116 to allow access to and to the various components of the POS device 130. In some embodiments, enabling a component through any central function control 110 makes the component functional without regard to central control of function 110 is being accessed. In other embodiments, the components are only enabled when a central function control 110 that enabled the component is being accessed.

In addition, a software application to be executed in the CPU unit 218 can be downloaded to the POS device 130 of the guest 1610. This function can also be performed later when the POS 130 device has access to the 1600 check system. using outdated software. In this way, the 1600 check system can ensure that the POS 130 device always maintains a copy of the most recent software. After the 1600 check system is identified to the POS 130 device and the components necessary to complete the transactions with the 1600 check system are enabled (block 1739), the 110 central function control is disconnected from the POS device 130. (block 1749) and updates the information associated with the merchant and the POS device 130 most recently configured to the database 1620 (block 1759). Said information may be used to allow future access through the POS 130 device, billing control for access when the access terms provide billing, statistically verify the use of the POS 130 device to determine which promotional materials will be delivered to the device. POS, and similar. With the POS device 130 configured to access the 1600 check system, it does not need to be done again, unless for some reason access to the 1600 verification system is discontinued. In some embodiments, when the POS device 120 is configured to allow access to a particular function central control 110, such as in this case, the 1600 check system, access is automatic when a particular transaction is requested through the POS device 130. In this way, for example, when a check is presented for charging as discussed below, the POS device 130 automatically has access to the central function control 110 through the communication network 120 to complete the transaction. Referring now to Figure 15b, a flow chart 1702 is illustrated which shows one embodiment of a method for using the POS 130 device relative to the 1600 check system. The use of the 1600 check system begins through the insert of a check by either a merchant or a customer on the POS 130 device or POS 140 peripheral (block 1704). In some embodiments, insertion is achieved contemporaneously with the selection of a check processing function through the touch screen of the POS 130 device. In other embodiments, the selection of check processing is not necessary since the insertion of the check is not necessary. check in the POS 130 device automatically causes the POS device to select the check processing function provided by the 1600 check system. The MICR line and / or terminal images in the inserted check are read by the MICR reader and / or document image former of the POS device 130 (block 1708). The 121 MICR line can be read both magnetically and optically and then the check exits through the paper path in the upper rear part of the POS 130 device. An alternative method is for the POS 130 device to read the MICR line twice (forward and backward) then remove the check through the front of the POS 130 device. In some modalities, the check does not completely exit. Rather, the check may come out partially, so that the merchant does not need to re-insert the check for deterioration / emptiness or to print to the payer, amount, amount of text, and the like. With the check read and the function selected, the POS device 130 begins accessing the check guest 1610 through the MODEM associated with the POS 130 device (block 428). Contemporary to access the merchant enters the amount of the check and any other pertinent data either through the keyboard or the touch screen associated with the POS 130 device (block 412). Also contemporary to 1600 check system access, the POS device 130 determines whether the quantities and other information are to be printed on the check inserted by the POS device 130 (block 1716). If the check is not complete and has to be printed by the POS 130 device, the various fields of the check are printed using the sliding printer of the POS 130 device (block 1718). Once the check guest 1610 has been accessed, the authorization procedure is performed (block 1732) as part 122 of the authorization procedure, the check guest 1610 determines whether the POS 130 device is authorized to have access to the authorization system. 1600 checks to perform the requested transaction. Such a procedure may include receiving an identification of the POS device 130 and checking the identification against a list of registered identifications kept in the database 1620. In various embodiments, the image of the document is transferred from the POS 130 device to the central function control 110 for additional analysis. In addition, the authorization procedure includes authorizing the current transaction based on the information read from the check was inserted into the POS 130 device (block 1736). In some embodiments, the account information, and the institution information derived by the MICR reader of the check are transferred from the POS 130 device to the check guest 1610. In turn, the 1610 check guest compares the amount information and of institution against a list of known bad and / or suspicious accounts. In this way, when the comparison of the information indicates that the check is either bad, or possibly bad, the authorization can be denied. In some cases, the comparison does not indicate that the check is bad, or otherwise suspicious. In such cases it is determined whether the institution will accept the Electronic Check Authorization ("ECA") of the 1600 check system. As used herein, said ECA may be the conversion of electronic check, acceptance of checks, and / or 123 truncation of checks. The ECA is determined based in part on the information read by the MICR reader of the inserted check and comparison with a list of known institutions to support the ECA. When the ECA is supported, the amount of the check can be automatically charged from the customer's account and credited to the merchants account. When the ECA is not supported, the check can be accepted by the merchant and processed by depositing the check into the merchant's account. The three processing aspects mentioned are more fully discussed with respect to the following blocks. First, if it is determined that the check is bad, or otherwise suspicious, or if there are insufficient funds (block 1736), the transaction may be denied (block 1720) and the check returned to the customer (block 1724). In some cases, a hole may also be printed on the check before being returned to the customer. Alternatively, if it is determined that the institution associated with the check supports the ECA through the 1600 check system (block 1736), then a waste similar to a credit card receipt is printed using the roll printer and presented to the customer for the client's signature (block 1740). Afterwards, it is determined if the client signed the receipt (block 1744). This can be done automatically when the POS 130 device or the POS 140 peripheral includes a stylus and a touch screen that allows the customer to sign on the touch screen. Alternatively, this can be done by the customer signing the printed receipt, and then having the merchant indicate the receipt has been formed. Said indication can be made by the merchant via the touch screen or the key pad associated with the POS device 130. As another alternative, a biometric interface associated with the POS 130 device can accept the customer's fingerprint or a similar metric as a signature as the indication of acceptance. When the customer signs the receipt, the check is inserted into the POS device 130 (block 1752) and a hole is applied or otherwise deformed (block 1756). Said gap can be made by the sliding printer in the POS 130 device by printing the word HOLLOW across the face of the check. Then, the deformed check leaves the POS 130 device using the paper transport mechanism (block 1760) and returned to the customer (block 1764). The check is no longer needed by the merchant since an automatic debit of the customer's account has already occurred. The form check serves as a receipt for the similar transaction to which a check with a hole serves when it is returned from the customer's bank. In some embodiments, the POS 130 device still prints the customer's check (see, for example, blocks 1716, 1718), based on the account and address information provided by the customer to the POS 130 device. This avoids requiring that the customer actually understands and uses checks to complete the various transactions. 125 When the ECA is possible (block 1736), but when the client does not sign the receipt, the direct charge of the client's account is not made, but rather, the check is actually withheld by the merchant to be deposited in the the merchant counts. More particularly, it is determined whether the check has been fully printed, including the signature of the customer (block 1748). If the check is not complete, it is inserted into the POS 130 device upwards (block 1768) and the incomplete portions of the check are printed using the slip printer (block 1780). When the check is complete, it is inserted into the POS 130 device face down to be franked according to the requirements of the merchant (block 1772). After completing the postage, the check is removed from the POS 130 device (block 1776) and placed in the merchant's cash register (block 1781) for subsequent deposit by the merchant in the merchant's account. Alternatively, when the ECA is not possible (block 1736) for any reason (for example, the institution is not known or does not cooperate with the 1600 check system, or access to the institution is not granted), the actual check is withheld by the merchant to deposit it in the merchant's account. More particularly, it is determined whether the check has been fully printed, including the client signature (block 1748). If the check is not complete, it is inserted into the POS 130 device face up (block 1768) and the incomplete portions of the check are printed using the 126 slip printer (block 1780). If the check is complete, it is inserted into the POS 130 device face down to franchise according to the merchant's requirements (block 1772). After completing the postage, the check is removed from the POS 130 device (block 1776) placed in the merchant's cash register (block 1781) for later deposit by the merchant in the merchant's account. In some cases, the software for operating the POS 130 device is downloaded to the POS 130 device through the 1600 check system. Said software makes the POS 130 device capable of printing the date, the payer, the amount of text and numerical amount on the check to speed up the transaction at the point of sale. If this option is desired, the merchant inserts the unsigned blank check into the terminal for printing. The printed check is then returned to the customer. According to a common conversion model, it is not important for the client to actually sign the check, since the client signs a receipt to complete the transaction and the funds are automatically withdrawn. In particular modalities, the software also provides the printing of a complete check including the account number, address information, and MICR information, so that a customer does not need a check to complete the transaction. 127 G. Other Examples It should be recognized that the POS 130 and peripheral device of POS 140, as well as the methods and components associated therewith, may be used in relation to a number of other systems and / or methods for effecting a variety. of functions. For example, such systems, methods and components may be used in relation to the systems and methods described in U.S. Patent Application No. 09/613615, entitled "Method and System for Processing Payments from Person to Person and Money Requests Using the Internet ", filed on July 11, 200, US patent application No. 10/045633, entitled" Automatic Group Payment ", filed on October 26, 2001, US patent application No. 10/46654, entitled "Automatic Transfer with Stored Value Funds", filed on October 26, 2001, US patent application No. 10/045632, entitled "Debit of Money Order of Stored Value Funds", filed on October 26, 2001, and US Patent Application No. 10/021292, entitled "Payment Based on Subscription", filed on October 29, 2001, the entirety of each patent application is incorporated herein by reference for all purposes. In some of the aforementioned patent applications, a user makes a money transfer using the Internet. In turn, the receiver can collect the money transferred in any number of ways. In particular embodiments of the present invention, an issuer may initiate a money transfer using the Internet and a receiver may obtain the money transferred by interacting with the POS 130 and / or POS 140 device. According to other modes of In the present invention, systems, methods and components can be used as described herein in relation to the systems and methods described in U.S. Patent Application No. 09/955747, entitled "Methods and Systems for Transferring Stored Value", filed on September 18, 2001, the entirety of which is hereby incorporated by reference for all purposes. The POS devices 130 and / or the POS peripherals 14 can be used to accept the value to transfer and / or provide the transferred value. In other embodiments of the present invention, systems, methods and components may also be used as described herein in relation to the systems and methods described in US Patent Application No. 10/010068, entitled "Electronic Gift Granting". , filed on December 6, 2001, US patent application No. 09/737912, entitled "Online Method and System for Ordering and Having a Paper Granting and Payment Instrument Message", filed on December 15, 2000 , the whole of both is incorporated herein by reference for all purposes. The POS 130 devices and / or the POS 140 peripherals can be used to either accept and / or send messages as discussed in the aforementioned patent applications.

In further embodiments of the present invention, systems, methods and components may also be used as described herein in relation to the systems and methods described in US Patent Application No. 09/516209, entitled "Electronic Purchase Method and Fund Transfer Apparatus ", filed on February 29, 2000, and US Patent Application No. 09/991379 with the same title and filed on November 15, 2001, the entirety of both is incorporated herein by reference to all purposes The POS 130 and / or POS 140 peripheral devices can be used to either accept and / or send funds as discussed in the aforementioned patent applications. Other embodiments of the present invention include the use of systems, methods and components as described herein in relation to the systems methods described in U.S. Patent Application No. 09/307485, entitled "Internet-Based Payment System" , filed on May 10, 1999, and US patent application No. 10/045313 with the same title and filed on October 23, 2001, the entirety of both is incorporated herein by reference for all purposes. The POS 130 devices and / or the POS 140 peripherals can be used to either accept and / or send funds as discussed in the aforementioned patent applications. Still other embodiments of the present invention include the use of systems, methods, and components as described herein with respect to the systems and methods described in U.S. Patent Application 130 No. 09/965667, entitled "Systems and Methods for Facilitating Payment of Embarked Goods ", filed on September 26, 2001, and US patent application No. 09/971726, entitled" Methods and Systems for Processing Financial Instruments ", filed on October 4, 2001, the totality of both it is incorporated herein by reference for all purposes. The POS 130 and / or POS 140 peripheral devices can be used to either accept and / or send funds as discussed in the aforementioned patent applications. Other additional modalities include systems and methods of payment and / or registration as described in the patent application of E.U.A. No. 10 / 112,440 (Proxy No. 020375-001500 US), entitled "Systems and Methods for Registering Consumers in Articles and Services" filed on March 29, 2002, and US Patent Application No. 10 / 112,258 (No of proxy 020375-004030 US), entitled "Systems and Payment Methods of Electronic Identifier" filed on March 29, 2002, both are incorporated herein by reference for all purposes.

IV. Conclusion The invention has now been described in detail for purposes of clarity and understanding. However, it will be appreciated that certain changes and modifications may be practiced within the scope of the appended claims. For example, any number of central function controls 110 may be used in relation to any number of POS 130 devices and / or POS 140 peripherals. In addition, the functions of the systems and methods for using these are merely illustrative. Therefore it should be recognized that many other systems, functions, methods and combinations thereof are possible according to the present invention. In this way, although the invention is described with reference to specific embodiments and their figures, the embodiments and figures are merely illustrative, and do not limit the invention. Rather, the scope of the invention should be determined only by the appended claims.

Claims

132 CLAIMS 1. - A point of sale device comprising: a base unit adapted to perform merchant functions in a point of sale, wherein the base unit includes: a base unit housing; and a processor disposed within the base unit housing and configured to process a plurality of transaction types, wherein one of the plurality of transaction types is a check acceptance transaction; and a peripheral unit in communication with the base unit, the peripheral unit including a peripheral unit housing and being adapted to perform customer functions at the point of sale. 2. The point of sale device according to claim 1, wherein the base unit housing comprises a document slot adapted to receive a document. 3. - The point of sale device according to claim 2, wherein the base unit further includes a magnetic ink character recognition reader positioned with respect to the document slot and adapted to read an ink character string. magnetic over the document when the document is inserted into the document slot. 4. - The point of sale device according to the rei indication 2, wherein the base unit further includes a 133 document image former placed with respect to the document slot and adapted to capture an image of the document when the document is inserted into the document slot. 5. The point of sale device according to claim 2, wherein the point of sale device further comprises a printing device configured to print on a document received within the document slot. 6. - The point of sale device according to claim 5, wherein the printing device is a sliding printer, the point of sale device further comprises a roller printer. 7. - The point of sale device according to claim 5, wherein the printing device is a sliding printer, the point of sale device further comprises: a document image former configured to form images of a document received within the document slot; and wherein the document image former and the slip printer share a common paper transport mechanism. 8. - The point of sale device according to claim 1, wherein the point of sale device comprises a biometric device. 9. The point of sale device according to claim 8, wherein the biometric device is integral to the peripheral unit. 10. - The point of sale device according to claim 8, wherein the biometric device is a fingerprint printing device. 11. - The point of sale device according to claim 1, wherein the base unit further includes a presentation in the base unit housing in communication with the processor. 12. - The point of sale device according to claim 11, wherein the base unit further comprises a touch screen. 13. - The point of sale device according to claim 1, wherein the base unit further includes a numeric keypad in the base unit housing and in communication with the processor. 14. - The point of sale device according to claim 1, wherein the base unit housing further includes a payment card slot for receiving a payment card, and wherein the base unit further includes a strip reader magnetic card fixed to the base unit housing in the payment card slot and in communication with the processor. 15. - The point of sale device according to claim 14, wherein the point of sale device further 135 comprises a magnetic strip writer in communication with the base unit. 16. - The point of sale device according to claim 1, wherein the base unit further comprises a card issuer for distributing one or more types of stored value cards. 17. - The point of sale device according to claim 16, wherein one or more types of stored value cards comprises a telephone card. 18. The point of sale device according to claim 16, wherein one or more types of stored value cards comprises a retail gift card. 19. - The point of sale device according to claim 1, wherein the point of sale device further comprises a modem located within the base unit housing and in communication with the processor. 20. - The point of sale device according to claim 1, wherein the point of sale device further comprises an external communication interface in communication with the processor. 21. - The point of sale device according to claim 20, wherein the processor is further configured to receive and process Internet communications through the external communications interface. 22. The point of sale device according to claim 136, wherein the base unit housing is configured to be seated in a merchant counter. 23 - The point of sale device according to claim 1, wherein the base unit housing is adapted to be mounted on a wall. 24. - The point of sale device according to claim 1, wherein the peripheral unit comprises a presentation on the peripheral unit housing. 25. - The point of sale device according to claim 24, wherein the presentation is adapted for electronic signature capture. 26. - The point of sale device according to claim 25, wherein the peripheral unit further comprises an electrostatic writing stylus configured to write on the presentation. 27. - The point of sale device according to claim 1, wherein the peripheral unit comprises a numeric keypad in the peripheral unit housing. 28. - The point of sale device according to claim 1, wherein the peripheral unit comprises: a payment card slot within the housing of the peripheral unit to receive a payment card; and a magnetic strip card reader attached to the housing of the peripheral unit in the payment card slot. 29. The point of sale device according to claim 137, wherein the peripheral unit comprises an intelligent card reader attached to the peripheral unit housing. 30. The point of sale device according to claim 1, wherein the base unit further includes a docking station and the peripheral unit is adapted to dock within the docking station. 31 - A point of sale device comprising: a housing; an external communications interface located in the. accommodation; and a processor arranged within the housing and in communication with the external communications interface, the processor being configured to: process a plurality of transaction types at a point of sale; and receive and process Internet communications through the external communications interface. 32. The point of sale device according to claim 31, wherein the point of sale device further comprises: a presentation in the housing and in communication with the processor; and a numeric keypad in the housing and in communication with the processor. 33. The point of sale device according to claim 138, wherein: the housing includes a document slot adapted to receive a document; and the point of sale device further comprises a magnetic ink character recognition device positioned with respect to the document slot and adapted to read a magnetic ink character string on the document as long as the document is inserted into the card slot. document. 34. - The point of sale device according to claim 31, further comprising a peripheral unit interface located in the housing and in communication with the processor, the peripheral unit interface being configured to provide communication with a peripheral unit adapted to perform customer functions. 35.- A point-of-sale device comprising: a base unit adapted to perform merchant functions in a point of sale, wherein the base unit includes: a base unit housing having a document slot adapted to receive a document; a processor arranged within the base unit housing and configured to process a plurality of transaction types; a magnetic ink character recognition device positioned with respect to the document slot and adapted to read a magnetic ink character string on the document, when the document is inserted into the document slot; and an integral docking station with the base unit housing; and a peripheral unit in communication with the base unit and adapted to dock with the base unit, the peripheral unit including: a peripheral unit housing; and a presentation on the peripheral unit housing. 36. - The point-of-sale device according to claim 35, wherein at least one of the base unit and the peripheral unit comprises a magnetic strip card reader adapted to read a magnetic strip of a magnetic card. payment. 37. - The point of sale device according to claim 35, wherein the point of sale device further comprises an external communication interface in communication with the processor, wherein the processor is further configured to receive and process communications from Internet through the external communications interface. 38. - The point of sale device according to claim 35, wherein the presentation further comprises a touch screen and is adapted for electronic signature capture. 39. - A method to process a transaction, the method comprises: capturing information in relation to the transaction at a point of sale as a peripheral unit, where the information is 140 requirement for at least one of a plurality of predefined authorized transaction types that includes check processing; transmit the information to a base unit placed locally with respect to the peripheral unit; and processing the transaction in accordance with at least one of the predefined authorized transaction types that use the transmitted information. 40. - The method according to claim 39, wherein the capture of information in relation to the transaction comprises electronically capturing a signature of a client through a touch screen presentation. 41. - The method according to claim 39, wherein the capture of information in relation to the transaction comprises capturing numerical data from a numeric keypad comprised by the peripheral unit. 42. - The method according to claim 39, wherein the capture of information in relation to the transaction comprises reading a magnetic strip with a magnetic strip card reader comprised by the peripheral unit. 43 - The method according to claim 39, wherein the capture of information in relation to the transaction comprises reading a smart card with a smart card reader comprised by the peripheral unit. 44. The method according to claim 39, wherein the transmission of the information to the base unit is carried out wirelessly. 45. - The method according to claim 39, further comprising gathering additional information regarding the transaction with the base unit, wherein the additional information is also a requirement for at least one of the predefined authorized transaction types. 46. - The method according to claim 45, wherein the gathering of additional information in relation to the transaction comprises reading a strip of magnetic ink characters from a document with a magnetic ink character recognition reader comprised by the base unit. 47. - A point of sale device comprising: means for performing merchant functions at point of sale, such means including: means of accommodation; and processor means disposed within the first housing means for processing a plurality of payment types including check processing; and means for performing customer functions of the point of sale, wherein the means to perform merchant functions and the means to perform customer functions are in communication. 48. - The point of sale device according to claim 47, wherein the accommodation means comprises: means for receiving a document; and 142 means for reading a magnetic ink character string on the document when the document is inserted into the means for receiving the document. 49. - The point of sale device according to claim 47, wherein the accommodation means comprises first display means, said first display means being configured to support a touch operation, and wherein the means to perform functions of client comprise second display means, said second display means being configured to capture electronic signature information. 50. - The point-of-sale device according to claim 47, wherein at least one of the means for performing merchant functions and the means for performing customer functions comprises means for reading a magnetic strip comprised of a credit card. payment. 51. - The point of sale device according to claim 47, wherein the accommodation means comprises means for attaching the means for performing customer functions to the means for performing merchant functions. 52. - The point of sale device according to claim 47, wherein the point of sale device further comprises means for performing Internet communications external to the point of sale device to the processor means. 53.- A system for effecting a transfer of value, the system comprises: a point of sale device, wherein the point of sale device is in communication with a first transaction system through a first communication network, and wherein the point of sale device is in communication with a second transaction system through a second communication network. 54.- The system according to claim 53, wherein the point of sale device comprises a base unit and a peripheral unit. 55 - The system according to claim 54, wherein the base unit comprises a first touch screen display, and wherein the peripheral unit comprises a second touch screen display. 56.- The point of sale device according to claim 53, wherein the point of sale device further comprises a document image former. 57. - The system according to claim 53, wherein the point of sale device comprises a magnetic ink character recognition reader. 58. - The system according to claim 53, wherein the point of sale device comprises both a skid printer and a roller printer, and wherein the skid printer and the roller printer utilize a transport mechanism of common paper. 144 59. - The system according to claim 53, wherein the first transaction system comprises a central function control. 60. - The system according to claim 53, wherein the first transaction system is a money transfer system. 61. - The system according to claim 60, wherein the first communication network is a telephone network. 62. - The system according to claim 60, wherein the second transaction system is a stored value card system. 63. - The system according to claim 62, wherein the second communication network is a telephone network. 64. - The system according to claim 63, wherein the first communication network is the Internet. 65. - The system according to claim 64, wherein at least one of the first and second transaction systems provides a function that is accessed after an agreement between a merchant operating the point of sale device and a provider not related either to the merchant or to a point-of-sale device provider. 66. - The system according to the indication rei 53, wherein the first communication network and the second communication network are the same communication network. 67.- The system according to claim 53, wherein the system further comprises: a third transaction system in with a third communication network; and wherein the point of sale device is in communication with the third transaction system through the third communication network. 68.- The system according to claim 67, wherein at least one of the first, second and third transaction systems is a check acceptance system. 69.- The system according to claim 67, wherein at least two of the first, second and third transaction systems are maintained by separate entities. 70. The system according to claim 67, wherein: the first transaction system is a money transfer system; the second transaction system is a stored value card system; and the third transaction system is a check acceptance system. 71.- The system according to claim 67, wherein the first transaction system is a fraud detection system. 72.- A system for effecting a transfer of value from one or more point of sale devices, the system comprises: a plurality of point of sale devices in communication with a point of sale control system, wherein a first subgroup of the plurality of point of sale devices is in communication with a first transaction system, and wherein a second subgroup of the plurality of point of sale devices is in communication with a second transaction system. 73. - The system according to claim 72, wherein each of the point of sale control system, the first transaction system and the second transaction system are capable of configuring one or more of the plurality of point devices. of sale. 74. - The system according to claim 72, wherein: a first subgroup of the plurality of point of sale devices is in communication with both the first transaction system and the second transaction system; and a second subgroup of the plurality of point of sale devices is in communication with the first transaction system, but not with the second transaction system. 75. - The system according to claim 74, wherein an integrated value transfer is completed involving communication between the first point-of-sale device and both the first and second transaction systems, and the second point-of-sale device. sale and the first transaction system. 76. - The system according to claim 75, wherein the first transaction system is a money transfer system. 77.- The system according to claim 76, wherein the second transaction system is a check acceptance system. 78.- The system according to claim 76, wherein the second transaction system is a fraud detection system. 79. - A system for effecting a transfer of value, the system comprises: a first point of sale device in communication with a first communication network; a second point of sale device in communication with the first communication network; and a check acceptance system in communication with the first point-of-sale device and the second point-of-sale device through a dial-up communication network. 80. - The system according to claim 79, wherein the system further comprises: a transaction system in communication with the first point of sale device and the second point of sale device through a second communication network. 81 - The system according to claim 80, wherein the transaction system is a money transfer system. 82.- The system according to claim 81, wherein the second communication network is the Internet. 148 83. - The system according to claim 79, wherein the first point of sale device is identical to the second point of sale device. 84. - The system according to claim 79, wherein the first point of sale device includes the same components as the second point of sale device, and wherein the first point of sale device is configured in a different way from the point of sale. second point-of-sale device. 85. - The system according to claim 79, wherein the first point of sale device comprises a document image former. 86. - The system according to claim 85, wherein the document image former forms images of a document, and wherein the information of an image of the document is transferred to the check acceptance system through the network of dialing communication. 87. - The system according to claim 85, wherein the first point of sale device further comprises a sliding printer. 88.- The system according to claim 87, wherein the first point of sale device further comprises a paper transport mechanism, and wherein the paper transport mechanism is shared between the document image former and the document transporter. sliding printer. 89.- The system according to claim 79, wherein the first point of sale device further comprises a roller printer. 90. - The system according to claim 79, wherein the first point of sale device further comprises a base unit and a peripheral unit. 91. - The system according to claim 90, wherein the base unit comprises a document feed, a document image former, and a slip printer. 92. The system according to claim 90, wherein the peripheral unit comprises a touch screen for accepting an electronic signature. 93.- The system according to claim 92, wherein a document is inserted into the document feed, forms images using the document image maker, information associated with the document transferred to the check acceptance system through the dialing network, and a response is received from the check acceptance system through the dialing network. 94.- The system according to claim 92, wherein the document is further deformed by the slip printer after completing a transaction using the check acceptance system. 95.- A method for carrying out transactions, the method comprising: providing a point-of-sale device, wherein the point-of-sale device includes a processor and a memory; associating the point of sale device with a first transaction system and with a second transaction system; receive a transaction request through the point-of-sale device; and filling out a transaction in response to the transaction request, wherein at least one of the first transaction system and the second transaction system are accessed. The method according to claim 95, wherein the association of the point of sale device with the first transaction system comprises: coupling the point of sale device to the first transaction system by way of communication through a communication network; and load instructions to the memory, where the instructions are executable by the point of sale device to facilitate the transaction. 97. - The method according to claim 95, wherein the first transaction system is a money transfer system, wherein the second transaction system is a fraud detection system, and wherein the transaction is a transfer of money. 98. - The method according to claim 97, wherein the filling of the transaction comprises: 151 determining if the transaction is suspicious; and transfer money from a source to a destination. 99. - The method according to claim 98, wherein the point of sale device is a first point-of-sale device, and wherein the destination includes a second point-of-sale device. 100. - The method according to claim 95, wherein the point of sale device includes a base unit configured to accept the input of a merchant and a peripheral unit configured to accept the entry of a client, wherein the reception of The transaction request includes receiving the merchant's entry through the base unit. 101. - The method according to claim 100, wherein the base unit includes a touch screen, and wherein at least a portion of the merchant input is input through the touch screen. 102. - The method according to claim 95, wherein the point of sale device includes a base unit configured to accept a merchant entry and a peripheral unit configured to accept customer input, and wherein the receipt of the request Transaction includes receiving the client input through the peripheral unit. 103. - The method according to claim 102, wherein the peripheral unit includes a magnetic strip reader, and wherein at least a portion of the customer input is inserted through the magnetic strip reader. 104. - The method according to claim 95, wherein the point of sale device includes a base unit configured to accept a merchant entry and a peripheral unit configured to accept a client entry, and wherein the reception of the Transaction request includes receiving the customer's entry through the peripheral unit and receiving the merchant's entry through the base unit. 105. - The method according to claim 95, wherein the first transaction system is a stored value card system, and wherein the transaction request is a request to purchase a stored value card. 106. - The method according to claim 105, wherein the filling of the transaction comprises: entering a payment amount in the point-of-sale device, where funds associated with the payment are received by a merchant associated with the point-of-sale device; charge at least a portion of the funds in a stored value card; and issue the stored value card. 107. - The method according to claim 106, wherein the method further comprises: communicating the portion of funds loaded in the stored value card of the point of sale device to the stored value card system, wherein a stored value is created. account indicating the amount of funds available on the stored value card. 108. The method according to claim 106, wherein the method further comprises: identifying the customer with the point-of-sale device; and communicating the portion of funds charged on the stored value card and the customer identification of the point of sale device to the stored value card system, where an account associated with the identified customer is created and includes the amount of available funds in the stored value card. 109. The method according to claim 106, wherein the stored value card is inactive after issuance, and wherein a customer receiving the stored value card must make contact with the stored value card system for activate the stored value card. The method according to claim 95, wherein the first transaction system is a stored value card system, wherein the transaction request is a request to purchase goods or services using the stored value card, and wherein the filling of the transaction comprises: receiving the stored value card in an interface associated with the point of sale device; contacting the stored value card system, wherein both the stored value card and an amount are communicated to the stored value card system; and receiving an approval of the stored value card system 154 to load the items or services on the stored value card. 111. - The method according to claim 110, wherein the point of sale device comprises a printer, the method further comprising: providing a receipt through the printer, wherein the receipt includes the information associated with the completed transaction . 112. - The method according to claim 95, wherein the method further comprises: identifying a customer with the point-of-sale device. 113. - The method according to claim 112, wherein the identification of the customer is performed by entering the customer information through a keypad associated with the point-of-sale device. 114. The method according to claim 112, wherein the customer identification comprises sweeping a card with customer information through a magnetic card reader associated with the point of sale device. 115. - The method according to claim 112, wherein the customer identification comprises receiving a radio frequency signal at the point of sale device of a transmission device associated with the customer, and wherein the radio frequency signal includes information to identify a customer. 116. - The method according to claim 95, wherein the first transaction system is a system for accepting 155 checks, and wherein the transaction request is a request to purchase an item or service. 117. - The method according to claim 116, wherein the point-of-sale device comprises a MICR reader and an input interface, and wherein the filling of the transaction comprises: inserting a check into the point-of-sale device sale; and read the MICR line associated with the check using the MICR reader. 118.- The method according to claim 116, wherein the point of sale device comprises a MICR reader, a communication device, an input interface, and wherein the filling of the transaction comprises: reading the line of MICR associated with the check with the MICR reader; enter a check amount through the entry interface; communicating the quantity and information associated with the MICR line to the check acceptance system using the communication device; and receive authorization to accept the check, where the authorization is received from the check acceptance system. 119.- The method according to claim 118, wherein the authorization includes an indication that the check can be processed using electronic check authorization. 156. The method according to claim 116, wherein the point of sale device comprises a MIC reader, a communication device, and a printer, and wherein the filling of the transaction comprises: reading the line of MICR associated with the check using the MICR reader; communicate the information associated with the MCIR line to the check acceptance system using the communication device; receive an authorization to accept the checks from the check acceptance system; and print a receipt for transaction through the printer. 121. - The method according to claim 120, wherein filling the transaction further comprises: receiving a signature from the client; and electronically transfer funds associated with the check to an account associated with a merchant that operates the point-of-sale device. 122. - The method according to claim 120, wherein the printer is a roller printer, wherein the point of sale device further comprises a sliding printer, and wherein the filling of the transaction further comprises: transferring electronically funds associated with the check to an account associated with a merchant that operates the point-of-sale device; and 157 deforming the check using the slip printer. 123. - The method according to claim 116, wherein the point of sale device comprises a MICR reader, a communication device, and wherein the filling of the transaction comprises: reading the MICR line associated with the check using the MICR reader; communicate the information associated with the MICR line to the check acceptance system using the communication device; and receive an indication of the check acceptance system that the electronic check authorization is not available. 124. - The method according to claim according to claim 123, wherein the point of sale device comprises a printer, and wherein the filling of the transaction further comprises: inserting the check into the point of sale device; and use the printer to check the check. 125. - The method according to claim 124, wherein the method further comprises: printing at least a portion of the check using the printer. 126. - A method for performing electronic check authorization, the method comprising: providing a point-of-sale device, wherein the point-of-sale device includes a processor, a memory, a printer, an input interface and a reader of MICR; coupling in the form of communication the point-of-sale device with a check acceptance system; inserting a check at least partially into the point-of-sale device, where the MICR reader reads an MICR line on the check; providing at least a portion of the information read from the MICR line to the check acceptance system; and receive a response from the check acceptance system in relation to the check. 127. - The method according to claim 126, wherein the response indicates that the electronic check authorization is possible, the method further comprising: transferring funds associated with the check to a destination account. 128. - The method according to claim 127, wherein the destination account is an account associated with a merchant that operates the point-of-sale device. 129. - The method according to claim 126, wherein the response indicates that the authorization of electronic checks is possible, the method further comprising: receiving a signature from the client offering the check; transfer funds associated with the check to a destination account; and deform the check using the printer. 159 130. - A method for making value transfers through an electronic network, the method comprises: providing a point-of-sale device; associating the point of sale device with a first transaction system and with a second transaction system; receive a transaction request a. through the point-of-sale device; and filling out a transaction in response to the transaction request, where both the first and second transaction systems are accessed. 131. - The method according to claim 130, wherein the method further comprises: associating the point of sale device with a third transaction system; and wherein the completion of the transaction in response to the transaction request further comprises having access to the third transaction system. 132. - A method for implementing a scalable value transfer system, the method comprising: providing a point-of-sale device, wherein the point-of-sale device includes a processor, a memory, and a communication interface; coupling in the form of communication the point of sale device with a communication network through the communication interface, where a transaction system is accessible by 160 the point-of-sale device through the communication network; and load a group of instructions to the memory, where the group of instructions are executable by the point-of-sale device to facilitate access to the transaction system. 133. The method according to claim 132, wherein the load of the instruction set comprises: receiving at least a portion of the instruction set of the transaction system through the communication network. 134. The method according to claim 133, wherein the method further comprises: communicating with the transaction system through the communication network, wherein the communication comprises a request for access to the transaction system. The method according to claim 134, wherein the method further comprises: in response to the access request, receiving a condition to access the transaction system; and to agree with the condition, wherein the portion of the instruction group is provided with the transaction system to the point of sale device. The method according to claim 135, wherein the method further comprises: receiving a transaction request through the point-of-sale device; 161 in response to the transaction request, communicate the request to have access to the transaction system; and fill out the transaction request having access to the transaction system. The method according to claim 134, wherein the method further comprises: receiving a transaction request through the point-of-sale device; and fill out the transaction request having access to the transaction system. 138. - The method according to claim 134, wherein the transaction system is a first transaction system, wherein a second transaction system is accessible through the communication network, and wherein the group of instructions is a first group of instructions, the method further comprising: communicating with the second transaction system through the communication network, wherein the communication comprises a request to have access to the second transaction system; and receiving a second set of instructions from the second transaction system, wherein the second set of instructions is executable by the point of sale device to facilitate access to the second transaction system. 139. - The method according to claim 139, wherein the method further comprises: receiving a transaction request in the point of sale device 162; and fill out the transaction request having access to both the first and the second transaction systems. The method according to claim 132, wherein the transaction system is a first transaction system designed to control a plurality of point-of-sale devices, and wherein the group load of instructions is performed before the installation of the point-of-sale device at a merchant site. 141. The method according to claim 140, wherein the group of instructions is a first group of instructions, the method further comprising: communicating with the first transaction system through the communication network, wherein the communication comprises a request to have access to a second transaction system; and loading a second set of instructions to memory, wherein the second set of instructions are executable by the point of sale device to facilitate access to the second transaction system. 142. The method according to claim 132, wherein the transaction system is a money transfer system. 143. - The method according to claim 132, wherein the transaction system is a check acceptance system. 144. - The method according to claim 132, wherein the transaction system is a loyalty program system. 163 145. - The method according to claim 132, wherein the transaction system is a fraud detection system. 146. - The method according to the rei indication 132, wherein the transaction system is a stored value card system. 147. - A method for deploying a dynamic value transfer system, the method comprising: providing a plurality of point of sale devices, wherein each of the point of sale devices includes a processor, a memory, and an interface Communication; loading a set of instructions to the memory, wherein the group of instructions can be executed through each of the plurality of point of sale devices to facilitate access to at least a first transaction system; and coupling in the form of communication the plurality of point of sale devices to a communication network through the communication interfaces, wherein the first transaction system and a second transaction system are accessible by each of the plurality of devices point of sale through the communication network. 148. - The method according to claim 147, wherein the method further comprises: using one of the plurality of point of sale devices, communicating with the second transaction system through the communication network, wherein the communication comprises a request to access the second transaction system. 149. - The method according to claim 148, wherein the group of instructions is a first group of instructions, the method further comprising: receiving a second group of instructions in one of the plurality of point of sale devices of the second system of transaction through the communication network, wherein the second group of instructions are executable through one of the plurality of point of sale devices to facilitate access to the second transaction system. 150. - The method according to claim 149, wherein the method further comprises: in response to the access request, receiving a condition to access the second transaction system; and to be in agreement with the condition, wherein the second group of instructions is provided from the transaction system to one of the plurality of point of sale devices. 151. - The method according to claim 149, wherein the method further comprises: receiving a transaction request through one of the plurality of point of sale devices; in response to the transaction request, communicate the request to have access to the second transaction system; and fill out the requested transaction by accessing the second transaction system. 165. 152. - An extensible transaction system, the system comprises: a plurality of configurable point of sale devices, wherein each of the point of sale devices includes a processor, a memory and a communication interface; and wherein each of the plurality of point of sale devices is coupled in communication form to a communication network through the communication interface, a plurality of transaction systems is accessible through the communication network, and the memory comprises instructions executable by the processor to request access to each of the plurality of transaction systems. 153. - The system according to claim 152, wherein the memory further comprises instructions executable by the processor to receive additional instructions from one or more of the plurality of transaction systems, and wherein the additional instructions enable a point device Reception sale to use one or more transaction system.