Abstract: A transaction execution system is provided in which key initiated transaction requests at a terminal remote from and in communication with a host data processing system are processed at the terminal under the selective control of the host. Each active transaction key at the terminal keyboard is assigned one of three different states by a financial institution table. Transactions requested by keys having a data entry state are handled within the terminal and with the additional consumer entered data required to complete the transaction being requested by and received by the terminal using sets of messages previously stored in the terminal by the host data processing system. Transactions designated by an interactive key state take place within and involve interactive communication between both the terminal and the host, enabling the responses and other communications generated by the host in connection with a transaction for a particular customer to be customized.

Abstract: Key initiated transaction requests at a terminal remote from and in communication with a host data processing system are processed at the terminal under the selective control of the host. Each active transaction key at the terminal keyboard is assigned one of three different states. Transactions requested by keys assigned a standard state are processed at the terminal without further data input being required of the customer. Transactions requested by keys having a data entry state are also handled within the terminal and with the additional customer entered data required to complete the transaction being requested by and received by the terminal using sets of messages previously stored in the terminal by the host data processing system.

Abstract: A transaction execution system is provided in which key initiated transaction requests at a terminal remote from and in communication with a host data processing system are processed at the terminal under the selective control of the host. Each active transaction key at the terminal keyboard is assigned one of three different states by a financial institution table. The table provides keyboard customization by selecting one of a plurality of different groups of key states for the different keys arrived at by combining the key states in a custom key set table with the states in a base key set table in response to information from a credit card entered by a consumer. Transactions requested by keys assigned a standard state are processed at the terminal without further data input being required of the consumer.

Abstract: A transaction execution system having a multiple account data base and a plurality of transaction terminals in communication with the host. The terminals each include a keyboard, a display, document handlng subsystems, a hardware control subsystem, a communication subsystem and a programmable control subsystem supervising the other subsystems. A user initiates a transaction request by inserting a card, which may have been issued by any of a plurality of cooperating card issuers or banks, into one of the terminals. The issuer identification number is read from the card, and used to search a table of card format and encryption key data. If the corresponding format and key data is located in the table, the terminal requests entry of a preassigned personal ID number through the keyboard. Verification data located on the card by format data from the table is encrypted in response to the key data from the table for comparison with the keyboard entered ID number.