Abstract: An automated method provides an efficient arrangement for setting certain financial transactions using a debit point of sale transaction network, as opposed to routing over a credit network. The method and arrangement uses an onsite database of bank identification numbers to conduct a preliminary assessment of whether a particular card is debit capable, and appropriately processes the transaction information based on the preliminary assessment. The system preferably is also updated when a financial transaction is successfully completed as a debit transaction which the database did not initially identify as being debit capable. In this way, the database is continuously updated and over time, a more accurate database is achieved. The system can also be networked, such that information between databases is shard and improved, based on the network experience.

Abstract: An automated method provides an efficient arrangement for setting certain financial transactions using a debit point of sale transaction network, as opposed to routing over a credit network. The method and arrangement uses an onsite database of bank identification numbers to conduct a preliminary assessment of whether a particular card is debit capable, and appropriately processes the transaction information based on the preliminary assessment. The system preferably is also updated when a financial transaction is successfully completed as a debit transaction which the database did not initially identify as being debit capable. In this way, the database is continuously updated and over time, a more accurate database is achieved. The system can also be networked, such that information between databases is shard and improved, based on the network experience.

Abstract: A method of remote loading of confidential information between a secure pin entry device and a Authorzing Institute using public and private key encryption techniques. In addition, a digital certificate uniquely identifying the terminal is provided by the terminal when a communication with the Authorzing Institute is originated. The Authorzing Institute confirms the authenticity of the digital certificate. This confirmation can occur using the public key of the Certificate Authority and/or confirmation can be made by contacting the Certificate Authority. In this way, confidence to use the public and private keys of the device and the Authorizing Institute for encryption is achieved, and financial keys and/or software can be encrypted downloaded to the device.

Abstract: A transaction device comprises a terminal module and printer module mechanically secured in an angled configuration. This angled configuration orientates a touch screen input and display device at an angle to the horizontal to reduce reflected light problems. In addition, the angle orientation of the printer improves space efficiency. A lower surface of the terminal module is easily accessible for connecting the device to other modules or to remote computers.