Abstract: A kiosk terminal includes a touch screen for input of financial information by a user to define a method of payment, and to specify goods or services to be purchased. An encryption processor receives the x/y coordinates of each touch to the touch screen, and encrypts the same for transfer to a main processor unit. The main processor unit decrypts the data, determines if the data is sensitive, such as a PIN input by the user, and encrypts such sensitive data for transmission to a financial network. The decrypted data determined by the main processor unit to be nonsensitive is converted to “mouse clicks” and applied to an application program to drive the CRT associated with the touch screen.

Abstract: A transmission message having a fixed terminal information segment with a field defining the format of a variable field authorization segment, and with a field defining the format of a variable field service payload segment. The fixed terminal information segment has other fields defining parameters of a terminal from which the transmission message is transmitted. The authorization segment has fields defining a method of payment by a user of the terminal. The service payload segment has fields defining the goods or services desired to be purchased by the user.

Abstract: A method of transferring monetary value for unbanked customers by depositing cash, or the like, into a kiosk terminal. A security code is provided to the customer depositing the cash. The security code is forwarded by the customer in any manner to a destination where the security code is input by a patron into a kiosk terminal. The monetary value, less a transaction fee, is dispensed to the patron at the destination kiosk terminal. A financial network, including a transaction server and a cash authorization/settlement processor, control the communication of the transaction messages between the kiosk terminals and the settlement of the transaction fee between the providers of the financial network.

Abstract: Disclosed is a technique for presenting information to a telephone operator to enhance the efficient completion of telephone calls. Numerous data bases are generated to make available information concerning any type of telephone call with which the operator might be requested to assist or complete. The operator workstation is program controlled to access the various data bases and present information particular to that type of telephone call being serviced. Interaction between the operator and the workstation based on visual menus allows the operator to initiate access to the data bases for other or more detailed information which is displayed on menus and overlay menus.