Point of sale terminal

A point of sale terminal operable to manage sales of at least one of goods and services to a customer, where said customer uses a financial services provider in lieu of cash, comprising:

• input means to collect purchase information for said sales of at least one of goods and services;
• input means to collect customer account information from a customer identifier provided by said customer purchasing said at least one of goods and services;
• communication means to transmit said purchase information and said customer account information to a financial services provider via an intermediary node and to receive messages and authorization from said financial services provider,
• input means to collect authorization from said customer,
• display means to display said messages and authorization from said financial services provider, and
• processing means operable to negotiate any rules and behaviors for said sale of goods and services.

A method for managing a purchase of at least one of goods and services between a customer using a financial services provider in lieu of cash and a retailer comprising:

• collecting information about said purchase of at least one of goods and services;
• collecting information about customer making said purchase of at least one of goods and services from a customer identifier,
• retrieving software agents for said purchase of at least one of goods and services;
• negotiating rules and behaviors for said purchase of at least one of goods and services between said software agents;
• enacting said rules and behaviors for said purchase of at least one of goods and services;
• collecting authorizations from said customer, retailer and financial services provider for said purchase of at least one of goods and services;
• completing said purchase of at least one of goods and services;
• and
• generating records of said purchase of at least one of goods and services.

A point of sale terminal operable to enact a purchase of at least one of goods and services to a customer, involving a financial services provider, comprising:

• input means to collect information of at least one of goods and services;
• input means to collect customer account information from a customer identifier,
• input means to collect authorization from said customer for said purchase of at least one of goods and services;
• communication means to transmit said information to said financial services provider via an intermediary node,
• communication means to receive information and purchase authorization from said financial services provider,
• display means to display said purchase information;
• and
• display means to display said authorization from said financial services provider.

A financial transaction system operable to manage purchases of at least one of goods and services online, comprising:

• a retailer operable to sell said at least one of goods and services online;
• a customer identifier operable to uniquely identify an account to which said purchase of at least one of goods and services is being charged;
• a financial services provider operable to at least one of debit and credit said account to which said purchase of at least one of goods and services is being charged, and where said financial service providers provides a sure means of for purchasing at least one of goods and services;
• a point-of-sale terminal in communication with said financial services provider via an intermediary node, where said point of sale terminal is operable to collect purchase information, customer account information and authorization information, and where said point-of-sale terminal is operable to display messages provided from said financial services provider.

A method for enacting a purchase of at least one of goods and services online using a point of sale terminal and a financial services provider comprising:

• entering a securc financial portal site hosted by said financial services provider,
• shopping online at a retail web in a sub-window provided by said financial portal site;
• receiving purchase information on said point of sale terminal;
• displaying said information about said purchase on said point of sale terminal;
• collecting an authorization of said purchase of at least one of goods and services on said point of sale terminal;
• transmitting said authorization of said purchase of at least one of goods and services said financial portal site;
• and
• transmitting an one-use authorization from said financial portal site to said retail web site.