Cashless ATM or Script ATM or POB; on a Verifone VX-series terminal

Auki

Our company, Trans Commerce Inc, offers merchant processing services to commercial clients in the US.

For now we need a simple and easy to use program that we can install on the VX520 to process CASHLESS ATM or Script ATM or POB or Point of Banking.

PROGRAM EXAMPLE:

Our customers will have their VX520 terminal near the cash register to be used at checkout. After the sales clerk rings up the total sale price (for this example will be $[url removed, login to view]), the customer will be able to pay for the transaction with their ATM card through the VX520 terminal.

Step 1: The customer will swipe their ATM card through the mag strip reader on the VX520 terminal.

Step 2: After that, the VX520 terminal will then ask the customer to enter their Personal ID number (PIN) number.

Step 3: The customer will be asked by the VX520 terminal to select if they want to withdraw from their: Checking, Savings, or Credit Card account.

Step 4: The VX520 terminal will then ask the customer to select a withdrawal amount in multiples of $20 (for this example the customer will select $40.)

Step 5: The VX520 terminal, prior to authorizing the transaction, will display a withdrawal amount and ask the customer to confirm if the withdrawal amount is correct. The customer will then select YES, if the withdrawal amount is correct, or they can select NO, if it's incorrect. If they select NO, they will be sent back to Step 4 where they can adjust the withdrawal amount.

Step 6: After confirming the withdrawal, The VX520 terminal will then notify the customer that the owner of this ATM machine, Trans Commerce Inc, will charge a processing fee of $3 in addition to the amount of the withdrawal, should they choose to proceed. In addition, their financial institution may also assess a fee for this withdrawal. The Customer will then select YES if they agree with the additional surcharge fees, or they can select NO, if they do not wish to pay the fee, the transaction will not occur and the program will skip ahead to step 11.

Step 7: After the customer accepts the additional processing fee, the VX520 terminal, using the internet/Ethernet connection, and will then contact our (Trans Commerce's) ATM transaction processor, requesting authorization for the transaction. In the process of this request the VX520 terminal will first transmit to our processor the customer's card information, PIN number, withdrawal amount, and from which account the customer would like to withdraw their money from.

Step 8. Our ATM transaction processor, in a matter of seconds will relay back to our customers VX520 Terminal if the transaction is approved or denied.

Step 9. If Denied, the sales clerk will ask the customer for another form of payment.

If Approved, The VX520 Terminal will print out 2 copies of the transaction receipt. 1 Copy is placed in the register for accounting purposes and the 2nd is given to the customer as the transaction receipt.

Step 10. The sales clerk now having accepted the receipt as proof of payment of the transaction will make change for the customer. The $40 withdrawal will first be used to pay for the $33 sale, then the sales clerk will owe the customer $7 (cash) for their change ($40-$33=$7).

Step 11 HAVE A NICE DAY!!

Because the settings will very from client to client, we will also need an "Administrator Program" created, that will allow us to adjust features and settings for the VX520 terminal or account of a specific client. The Admin Program, will then create a specific file for that client, which we then manually load onto the clients VX520 terminal. .

We will also need to brand our software with the name of our payment services:

PayFusion

by

Trans Commerce Inc

Thank you, I look forward to working with you on this and for our future programming needs, that I had mentioned above.

Mark Perry

Taidot: C-ohjelmointi, PHP, tietojärjestelmäarkkitehtuuri

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Projektin tunnus: #14677654

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