| 摘要 |
<p>A financial transaction system permits use of automated credit/debit systems at computer work stations (10) without requiring the use of new or additional hardware equipment. A floppy disk (19) or a compact, digital disk (18) is provided with information including user identification, spending limits and amount available. When the user desires to make a purchase of his computer system, he simply inserts the disk into the available disk drive system (12 or 14) and initiates a pay routine. The payment is then automatically recorded by the vendor, taking all of the information from the disk. The disk can be a credit disk or a debit disk, in the same manner as current credit cards. The disk can duplicate all of the information on a standard issue card, permitting the user to substitute the disk for manual keying of information from the card or for eliminating the requirement to manually read in the information over the telephone system. The system also works well with prepaid operations.</p> |
