| 摘要 |
Apparatus for providing a QST are disclosed herein. The QST may identify a customer in response to a swipe of a customer identifying instrument. The QST may include a reading head, a processor, a keypad, and a communications medium. The reading head may detect identification information in response to the swipe of the instrument. The identification information may be associated with a personal identification instrument. The processor may bypass a PIN acceptance state and perform a search for at least one banking record corresponding to the personal identification instrument. The processor may terminate the identification session in response to failure to obtain a record corresponding to the identification instrument. In response, at least in part, to identification of at least one record that corresponds to the personal identification instrument, the communications medium may receive a session-auth instruction from a remote location. The session-auth instruction may initiate a banking session. |
| 主权项 |
1. A quick service terminal that is configured to identify a customer in response to a swipe of a customer identifying instrument, the terminal comprising:
an optical reading head and a magnetic reading head, wherein both the optical reading head and the magnetic reading head share a single slot in the quick service terminal, and wherein the optical reading head is disposed on a first side of the slot and the magnetic reading head is disposed on a second side of the slot; a processor; a keypad; and a communications medium; wherein the optical reading head is configured to receive light signals to detect, in conjunction with the processor, identification information in response to the swipe of the instrument, and the magnetic reading head is configured to receive magnetic signals to detect, in conjunction with the processor, the identification information in response to the swipe of the instrument; wherein, when the identification information is determined by the processor to be associated with a banking identification instrument associated with a financial institution associated with the quick service terminal, the processor is configured to execute a first computer readable program code; the first computer readable program code comprising:
computer readable code for causing the quick service terminal to initiate an acceptance state for accepting a personal identification number (“PIN”) via the keypad, said PIN associated with the banking identification instrument; andcomputer readable code for causing the processor to communicate, via the communications medium, the identification information and the PIN to a remote location; wherein, when the identification information is determined by the processor to be associated with a personal identification instrument, the processor is configured to execute a second computer readable program code; the second computer readable program code comprising:
computer readable code for bypassing the acceptance state and performing a search for at least one banking record associated with the personal identification instrument;computer readable code for terminating the identification session in response to failure to obtain banking records associated with the personal identification instrument;computer readable code for receiving a session-auth instruction from a remote location, said session-auth instruction for initiating a banking session in response to identification of the at least one banking record that corresponds to personal identification instrument. |
