Method and apparatus for electronic commerce services at a point of sale

摘要: Point of sale transactions can be efficiently processed by use a point terminal having both image capture and storage capability, as well other information input capabilities such MICR reader, bar code keyboard, or similar device. The system stores an the actual transaction documents, bill to paid check which payment is made, for future reference verification. In this way, paper copies need not archived, electronic conversion, further lowering costs. information, biller identification, account number, like forwarded from POS location central data processing center in real time authorization denial accept returned time. Additionally, updates authorized billers, service fee schedules, updated time, each transmitted terminal. Another advantageous feature that single configured communicate with multiple providers hence accommodate different types issuing money orders, gift certificates, official checks, payroll cashing, paying, credit card authorization, age verification, like.