| 摘要 |
<p>This is an expenditure data recording system using a uniquely designed classification binary code (or its equivalent) stored within the point of sales terminal system consisting of a cash register, a credit/debit card reader, and a telecommunications line. In a sales transaction, a credit/debit card passes through this reconfigured point of sales terminal not only to furnish relevant information (date/time, vendor identification, cardholder's name and account number, and transaction amount), but also to classify the expenditure by category via instant telecommunications link upon approval by the credit/debit card issuer (financial institution). Whenever there is a needed classification change at the point of sales terminal, one utilizes a unique set of color, binary-encoded cards to redefine a new expenditure category. Whereupon the credit/debit card issuer can process this classified expenditure sales transaction information to produce a periodic financial report, and remit it to the credit/debit account holder at any time. This entire operational system is virtually transparent to the cardholder and sales personnel.</p> |
