| 摘要 |
<p>A Home Financial Transaction System ('HFT') is described comprising financial transaction terminals (1-11) with means to read symbolic representations (11) of data which identify merchant/service provider, method of payment, amount of payment and type of transaction to be conducted. The FTT user scans optical reader means (1) over the symbolic representation on a bill or invoice and stores the information relating to the amount to be paid, method to be paid and related information in the memory (7) of the FTT. Once all transactions have been stored, the FTT communicates with a financial transaction computer system (20-24) which assembles data from a plurality of FTTs for subsequent transmission to banks (27) and other financial institutions (25, 26) for clearing house operations. Symbolic representations can be imprinted on bills or invoices (50-52) or imprinted on separate data sheets which can be scanned by an optical scanning means (1) to input the desired identification data. One enhancement also calls for transaction codes to be symbolically represented and input by the optical scanning means (1) to conduct the desired transaction.</p> |
