Transaction apparatus, systems and methods

摘要

A transaction apparatus is disclosed, comprising: a token device interface arrangement; customer input means; and communications means, for communicating with one or more transaction servers, for enacting different kinds of transactions. The customer input means receives first and second kinds of authentication information. The first kind of authentication information is for enacting a first kind of payment transaction using a token device that uses authentication information stored thereon to authenticate a first kind of payment transaction. The second kind of authentication information is for enacting a second kind of payment transaction comprising payment without using a token device to authenticate the transaction. The apparatus then determines whether received transaction information of the first kind matches the stored authentication information and, in the case that it does, authenticates the token device, and thereby enact a respective first kind of payment transaction. The apparatus uses the received authentication information of the second kind to enact a second kind of payment transaction by obtaining authentication information from a respective transaction server without authenticating a token device.