JP2001525583A - Method and system for guaranteed purchase - Google Patents

Abstract

(57) Abstract: A method for enabling a buyer to make a prepayment for the purchase of goods and services at a retail store (RB), which provides a written guarantee that can be issued on the premises of the retail store (RB). In a method wherein said payment is guaranteed by a guarantee mechanism (GO), a) a step of setting credit to the RB by the GO, and b) information indicating the level of trust compatible with the RB in the GO. Providing means for storing, retrieving and updating; c) providing communication means; and d) providing, within the GO, a valid and authenticated certificate for the amount involved in the transaction at the remote printer. Providing a means for printing out; e) verifying that the trust of the RB is sufficient to cover the required assurance; f) said customer Comprising: providing the data necessary to issue a warranty, g) relating to the valid authenticated warranty to the method, which comprises the step of printing out in the remote printer.

Description

DETAILED DESCRIPTION OF THE INVENTION

TECHNICAL FIELD [0001] The present invention relates to a method and system for enabling the public to safely make a prepayment or prepayment for goods or services.

BACKGROUND OF THE INVENTION Purchasing goods through a retail store often involves prepayment or prepayment made prior to the actual delivery of the goods or services to be purchased. Many goods, such as automobiles and houses under construction, are ordered and / or completed according to their customers' requirements after payment to the supplier, rather than being in stock and available immediately. When shopping for large amounts of money, such as the purchase of an apartment that has not yet been completed, customers are often asked to sell apartments or other high-value assets already paid by the buyer when the seller cannot deliver it. Requires that the advance payment, or advance payment, be protected by a bank guarantee to ensure that the advance payment is returned to them.

Providing a bank guarantee is a relatively complex, expensive and time-consuming procedure that involves verifying the creditworthiness of the seller, setting up collateral that is acceptable to the seller's bank, and contracting with the buyer. A bank statement showing the bank's guarantee that the buyer will return his money in the event of a predetermined set of conditions, such as the seller's failure or failure to fulfill the above obligations. Including issuance. This procedure of granting and issuing such bank guarantees, which normally cover unappropriate amounts, takes a relatively long time to perform and cannot be performed on the premises of the seller.

[0004] Due to the complexity of the process of providing a bank guarantee and the costs associated with this process, such guarantees are usually issued only for transactions involving large sums of money, such as home purchases, and in most cases It is not issued. This is even more so, as buyers will eventually be required to bear the costs of bank guarantees. However, numerous retailers and similar establishments have a very large number of small transactions every day, each of which is low, but which, when accumulated, can be very large.

[0005] Therefore, for example, when ordering furniture in three installments, some or all of which should be paid before delivery of the furniture, a bank guarantee to ensure a reimbursement of the paid money. It is not very practical to use Even if the seller can provide a bank guarantee, he cannot do it in his store at the time the sale is made. Therefore, the buyer who is required to pay in advance for the purchase,
Often, the seller still remains at financial risk of not fulfilling the delivery as a result of the bankruptcy of the seller. Thus, it often happens that a merchant cannot provide an adequate guarantee in his store at the time of buying and selling, and thus must do so without upfront payment.

[0006] Thus, the field has long been concerned with a customer purchasing goods or services that were to be delivered or offered after payment if his or her refund was not available for such goods or services. We could not provide any means to ensure that we would receive them.

DISCLOSURE OF THE INVENTION [0007] It is, therefore, an object of the present invention to provide a method and system that allows a buyer to obtain a guarantee on the amount to be paid for goods or services to be supplied at a later date. is there.

[0008] Another object of the present invention is to provide a means for issuing a reliable guarantee to a customer in an efficient and cost-effective manner.

[0009] Another object of the present invention is to provide a method and system that allows merchants of goods and services to provide a valid warranty to customers on the spot, thereby providing a business area with a valid warranty. It eliminates the need for expensive and time-consuming banking procedures that must be performed outside.

The present invention is firstly a method for enabling a buyer to make a prepayment for the purchase of goods and services at a retail store (RB), the method being capable of being issued on the premises of the retail store. A method in which said payment is guaranteed by a guarantee mechanism (GO) providing a guarantee, comprising: a) establishing a credit on the RB by the GO; and b) determining a level of credit compatible with the RB in the GO. Providing a means for the GO to store, retrieve, and update the information that it represents; c) by means of an RB, suitable for providing the GO with data in a predetermined format representing the transaction sought to be guaranteed Providing an operated communication means; and d) printing out, within a GO, at a remote printer a valid authenticated certificate for the amount involved in said transaction. E) verifying that the credit of the RB is sufficient to cover the required guarantee and, if positive, determining from the total amount of available credit Changing the credit level of the RB stored in the GO by subtracting the amount of the guarantee; and f) preparing data necessary for issuing a guarantee to the customer, wherein the guarantee is provided. Identifying the transaction, the amount to be guaranteed, and the conditions under which the guarantee may be presented by the customer for payment to the GO; and g) rewriting the valid and authenticated guarantee to the GO. Printing out at a remote printer.

In one preferred embodiment of the present invention, the data used to issue the guarantee further includes the name of the person to whom the guarantee is issued. Warranties for bearers can of course also be issued, but usually customer-specific guarantees are more preferred.

According to one preferred embodiment of the invention, the method further comprises adding an amount corresponding to a genuine guarantee of any original returned from the RB to the GO to the total credit available. Adjusting the credit level of the RB stored in the GO. Not only such genuine guarantees, but also products or services related to
B, when received by the customer, is returned at the exchange for warranty return. In addition, the amount of any guarantee that has expired without validity and has expired will also be added to the RB's credit level.

There are a variety of different types of transactions. In many cases, the transaction requires the physical presence of the customer at the RB premises, for example, when furniture must be selected. In this case, according to the present invention, the certificate is printed out on the printer placed in the RB.

[0014] Some transactions are not performed on the RB premises, but are performed by a remote purchase method. Examples of such remote purchase methods include, but are not limited to, purchases made over the Internet or telephone, and purchases by mail. According to another preferred embodiment of the present invention, when the purchase is made by a remote system, the certificate is printed out by a printer belonging to or available to the customer. The term "printer" in the context of the present invention
Includes any output device that can provide a valid warranty to the customer, including computer printers, fax printers, and the like.

There are several ways to control the printout of the warranty. In one example, a Turbo Pascal (Tu) is used to read ASCII (ASCII) files sent to the printer character by character without using BIOS.
(rbo Pascal) program can be used. This illustration format program sends characters to the printer using a direct printing protocol to the port associated with LPT1, which is common on modern PC computers. Although this program checks character by character whether the printer is usable, it does not perform checks such as error checks. These programs use a commonly available program known to those skilled in the art without the use of a PC BIOS, to make it difficult to capture print files. Can be printed.

According to one preferred embodiment of the present invention, printing out the warranty is performed by sending an executable object for controlling the printing operation to a computing means connected to the printer. There are several means to achieve this, for example, by using a language such as Active-X or Java. According to one preferred embodiment of the present invention, when the purchase is made by a remote system, the printout of the warranty is operated by a program using Java or a similar language.

According to another preferred embodiment of the present invention, the printer is connected to a decoding device which receives encoded print instructions from the computing means operated by the GO.

The present invention is also a system for enabling a buyer to make an upfront payment for the purchase of goods and services at a retail store (RB), which provides a written guarantee that may be issued on the premises of the retail store (RB). In a system in which said payment is guaranteed by a providing guarantee mechanism (GO): a) in the GO for storing, retrieving and updating information representing the level of credit conforming to the RB; Means provided; b) communication means operated by the RB, suitable for providing the GO with data in a predetermined format representing the transaction sought to be guaranteed; and c) for the amount involved in said transaction. Means provided in the GO for printing out a valid and authenticated certificate of the customer at the remote printer; and d) trust of the RB to ensure that the required warranty is covered. The RB's credit level stored in the GO by verifying that it is sufficient to do so and, if positive, subtracting the amount of the required guarantee from the total available credit E) a means provided in the GO to change the transaction, a guarantee specifying the amount to be guaranteed, and the conditions under which the guarantee may be presented by the customer for payment to the GO. Means for preparing data necessary to be issued to the customer; and f) means for printing out the valid and authenticated certificate at the remote printer. Involved in the system.

In accordance with one preferred embodiment of the present invention, the system further includes a genuine warranty of any original returned from the RB to the GO or an expiration of its validity without any claim by the buyer. Means for changing the credit level of the RB stored in the GO by adding the amount corresponding to any guarantee given to the total amount of credit available.

In one preferred embodiment of the invention, the system includes means for printing out a certificate on a printer located in the RB. In another preferred embodiment of the present invention, the system includes means for printing out a genuine warranty valid on a printer owned or usable by a customer of the remote purchase system.

According to one preferred embodiment of the present invention, there is provided a system including means for printing out a certificate by sending an executable object for controlling a printing operation to a computing means connected to the printer. Provided.

According to another preferred embodiment of the present invention, the system includes decoding means connected to the printer. The decoding means is adapted to receive encoded print instructions from the arithmetic means operated by the GO, decode them and translate them into print instructions for a printer.

[0023] Other objects and advantages of the invention will become apparent as the description proceeds.

BEST MODE FOR CARRYING OUT THE INVENTION The present invention will become more apparent through detailed descriptions of preferred exemplary and non-limiting embodiments thereof. Turning to FIG. 1, the functioning of the system is schematically illustrated and the functional relationship between the guarantee mechanism (GO) indicated by the numeral 1 and the retail store (RB) indicated by the numeral 2 Is illustrated. The GO may be any financial institution, including but not limited to banks, insurance companies, securities companies, and the like. Such financial institutions shall also be legally authorized by relevant authorities to carry out such financial activities. R
B may be virtually any type of entity, for example, a retail store, a service company, or a prepaid or down payment for providing some form of goods or services or transferring legal title to an asset. It may be any kind of mechanism that requires payment.

To be able to use the system of the present invention, the RB must establish a credit line with the GO. The total amount of guarantees issued by GOs for RBs does not at any time exceed the total amount of credits granted to RBs by GOs, but of course, for any given RB, You can decide to exclude rules. The credit limit to the RB by the GO, indicated by the numeral 3, changes frequently, as will become apparent from the description below. For simplicity, FIG. 1 shows only two credit limits, Level A and Level B.

The GO and the RB are connected via a communication line 4. The communication line 4 may be, for example, a computer line or a telephone line, which is used by the RB to request a guarantee. According to one preferred embodiment of the present invention, the request for a guarantee is made via a computer terminal according to a standard predetermined by the GO, as explained in more detail below.

The GO is also connected to the printer 5 via the communication line 6. The printer 5 is used for printing out a certificate. As will be further described later in this text, communication line 4 and communication line 6 may often be integrated into a single communication line. Further, the printer 5 may operate as a remote printer for a computer system installed in the GO, or alternatively, a P5 installed in the RB.
It may be coupled to a computing means, such as C, and a print instruction for a certificate may be given to it by said GO through said local computing means. The warranty print operation will be discussed in more detail later.

If the customer wants to get a guarantee for his payment, the RB will check the purchase, such as the amount of the purchase, the amount of the guarantee, the expected supply date, details of the customer to buy, etc. After having prepared all relevant matters for, the GO is contacted via the communication line 4. In processing the request, the GO first verifies the level of credit currently available to the RB. If credit level A exceeds the required guarantee and the transaction meets all other basic requirements set by GO, GO authorizes the transaction and makes it available to the RB. Reduce the level of credit to level B (assuming that the required amount of guarantee for the transaction is AB), then print out the required guarantee stating all details of the transaction The command is sent to the printer 5 via the communication line 6. Thereby, the guarantee 7 is printed out and given to the customer. The customer, schematically indicated by the numeral 8, may receive the warranty 7 and contact the GO to verify the item to verify its authenticity. Such confirmation may be made by telephone, by the person himself, or by some other suitable method.

Once the goods or services to be provided are available, they are provided to the customer in exchange for a written warranty return. The RB then returns the original written guarantee to the GO (this process is shown in dashed lines to indicate that the original warranty must be physically returned to the GO, rather than via an electronic communication line, 9). This refund restores its credit level by the amount indicated on the guarantee. Restoration of the credit of the RB by the GO only for the guarantee amount also occurs when the validity of the time-limited guarantee expires at maturity. Thus, the entire sales cycle of warranty and warranty release is completed. Although many such cycles can occur simultaneously, the only limitation is the level of trust available to the RB stored in the GO.

The GO will, of course, charge the RB for the agreed amount between them. The amount may represent, for example, a percentage of the issued guarantee, or may be any other amount that may be calculated in any manner.
The present invention is not concerned with the commercial context of the relationship between GO and RB, and therefore the rewards required by GO for the services described above are not discussed here.

Turning now to FIG. 2, there is illustrated a system according to one preferred embodiment of the present invention used to print out a valid warranty to a customer. RB
The printer 5 of FIG. 1 according to this preferred embodiment, which is installed in the premises, is connected to a computing means 10 which may be a PC or similar device installed in the RB. The computer 10 is also connected to arithmetic means 11 installed in the GO for controlling the warranty issuing process.

For simplicity, the procedure for only fully computerized operations is described below. However, it will be apparent to one skilled in the art that all operations performed by computer 10 may be performed in other ways, for example, by providing relevant information directly from computer 10 to computer 11. Alternatively, the information may be transmitted to the GO by fax or telephone, and the GO operator may input the information into the computer 11. This option is useful when the RB is a small organization (eg, a kiosk) without a local PC, in which case the computer 11 prints the certificate directly on the printer 5 A communication device (not shown) could be provided to enable this.

Another situation where such a choice may be important is when the RB has a temporary communication problem and the computer 10 cannot directly transmit the desired information to the computer 11. is there. However, these obvious changes will be obvious to the expert and will not be elaborated here for the sake of brevity.

Therefore, according to the embodiment of FIG. 2, the RB operator enters the relevant items of the transaction into the computer 10. The computer 10 can function as one terminal of the computer 11, and can transmit a file containing relevant information to the computer 11 according to some appropriate communication protocol. As it is customary and understood by experts, for transactions involving the transfer of funds and / or security, data transmitted to and transmitted from computer 11 is often It may be desirable to take security measures such as encryption and / or validation of the data.

One example of a simple format for entering data to be transmitted from the RB to the GO is:
This is shown in self explanatory FIG. By the way, it should be noted that this “transaction input form” must include at least sufficient details about the buyer, the merchandise involved, the purchase amount, the guarantee amount, and the “guaranteed supply date”. This last item is a date, and the buyer shall apply to the GO after this date if the goods or services have not been supplied and, before the warranty expires, in exchange for the original written guarantee Can be charged to him by GO. The GO will, of course, take appropriate precautions in processing such claims to ensure that fraud, such as an attempt to use a stolen guarantee, has not been involved. However, such security measures that are necessary and customary in transactions are beyond the scope of the present invention and will not be described in detail here.

In order to avoid the possibility that the RB attempts to issue a false certificate, appropriate precautions must be taken in the certificate printing procedure at the terminal of the RB. There are many techniques known in the art that are often employed to achieve the above goals, and the skilled person will be able to select the appropriate means that can be incorporated into a given system. According to one preferred embodiment of the present invention, the computer 11 controlling the warranty print operation performs such control by sending an executable file for the print operation to the computer 10. Such executables are not permanent in the memory of the computer 10 and are deleted after their work has been performed. An illustrative, non-limiting example of such an executable file is the so-called "Java applets".

According to another preferred embodiment of the present invention, the print command is sent to the printer, either directly or through computer 10, in an encrypted format that needs to be decrypted before printing. The decryption may be done using suitable decryption hardware provided by the GO and connected externally or internally between the printer and the computer 10, for example. Such decoding hardware, which in principle does not differ from television decoding devices, does not allow the RB to interfere with the printing of the warranty card by operating according to standards known only to GO, so that the RB is easily accessible. Can not. The installation of such encoding and decoding devices is, of course, within the skill of those skilled in the art, and for the sake of brevity, such devices are not described herein.

The key steps that a GO must take in handling a request by an RB to issue a given guarantee are summarized in FIG. The first step, step 41, involves receiving the data provided by the RB, which data is also the basis for accepting or rejecting the RB request, and the basis for preparing the printed certificate. . The transaction is tested (step 42) based on the specific items the GO seeks, to see if it falls within the range of transactions that GO defines as acceptable. For example, in the example of FIG. 3, the GO determines that the type of the transaction (furniture purchase) and the amount and period of the transaction are, of course, R
Check if it follows its rules, which will vary from B to B. In order to simplify the processing of information on GO computers and to minimize the need for human involvement in this processing, code systems such as the "transaction code" and "product / service code" in the example of FIG. May be prepared. Of course, if the transaction involves, for example, the sale of an illegal drug, the GO will refuse to issue a valid warranty against it, but in the light of the particular GO's standards. There may be situations in which it is not readily apparent whether or not is acceptable.

If the transaction is not acceptable according to the underlying policy, the GO notifies the RB of this fact (step 43) and interrupts the processing of this request. The RB may be notified in any suitable manner, for example, by printing out a "Notification of Rejection" instead of a valid warranty, or by contacting a representative of the RB.

If the transaction does not have any difficulties in light of the underlying policy, the credit level of the RB (which is sometimes referred to in this context as a “customer” from a GO perspective) is verified ( Step 44), it is checked whether enough credit can be used to cover the required guarantees and some GO related costs. If,
If the level of trust available at the time of the processing is insufficient, the GO will also notify the RB in any suitable manner that it will refuse to issue the guarantee and will stop processing the request.

If the RB has sufficient credit for that particular transaction, a guarantee (and GO's related costs) will be deducted from that credit. The GO then prepares the data needed to print the warranty. The data includes, at a minimum, the key items required to identify the transaction, as described above, and conditions that give the buyer the right to claim a guarantee from the GO if matched. Usually, the guarantee is addressed to a specific confirmed buyer, but a guarantee can also be issued to the bearer as long as the transaction involved is clearly identifiable. As mentioned above, GO
Then prints out the warranty by connecting through a computer located in the RB or directly to the RB's printing means, for example via a secure interface. If the buyer has completed the inspection of the warranty and has confirmed its authenticity by direct contact with the GO at his request, if the terms of the transaction are not respected by the RB, he will return from the GO. Knowing that a guarantee can be requested, the RB can be paid.

As is evident from the above description, the present invention makes the transaction more secure for the public and for relatively small-scale transactions that did not have an effective guarantee before the present invention. Simplify trading by providing a valid warranty. Moreover, the present invention can be used in a variety of environments, whether national or international. For example, GO and RB may not only be connected through a LAN or by a direct modem connection, but also function over the Internet. Buyers wishing to purchase goods via the Internet will be able to obtain a valid warranty from GO, which also works on the Internet. In addition, because GO can maintain branches in various countries, buyers who want to purchase goods from RBs via the Internet while physically located in other countries,
You could get a guarantee issued in his home country and payable in his own currency.

Another example is the buying and selling of goods through international television channels, where the buyer has his credit for things that may be removed to be placed in another country.
Authorize payment by card and he has no means to confirm that the goods will eventually be delivered to him.

Another variant of the invention, particularly useful when involving purchases over the Internet or by telephone or catalog, allows GO to print out a valid warranty on a buyer-owned printer. This is in contrast to the fact that both the buyer and the seller print out the guarantee in a physically existing store. The skilled person will appreciate that there is no particular problem with the method of printing out at the buyer's terminal and that this can be done in various ways. That is, they may print by accessing the buyer's printer, or alternatively, the buyer may print out a file sent to him in a manner very similar to that used for RB operations. . However, in order to prevent the unauthorized duplication of the printed warranty and to ensure that the document printed out by the GO on the customer-owned printer is unique and cannot be saved. The provision of means is necessary in all cases.
Many techniques are available in the art for this purpose, and the skilled artisan will be able to select the preferred method for that particular system.

The above description of these preferred embodiments has been given by way of illustration, and is not intended to limit the invention in any way.
Many modifications can be made to the variety of systems and methods employed without departing from the scope of the invention, and many features can be incorporated into the system of the invention. is there.

[Brief description of the drawings]

FIG. 1 is a schematic diagram illustrating the general functioning of a system according to one preferred embodiment of the present invention.

FIG. 2 is a schematic diagram illustrating a computer arrangement according to one preferred embodiment of the present invention.

FIG. 3 is an example of a simple form of entry of data to be transmitted from a retail store (RB) to a guarantee mechanism (GO), with sample details being written.

FIG. 4 is a flowchart summarizing the main steps included in the GO processing for a warranty issuance request.

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Claims (23)

[Claims] 1. A method for enabling a buyer to make a prepayment for the purchase of goods and services at a retail store (RB), the warranty providing a written warranty that may be issued on the premises of the retail store (RB). In a method wherein said payment is guaranteed by the Organization (GO): a) the step of establishing credit to the RB by the GO; and b) the GO includes in the GO information indicating the level of trust compatible with the RB. Providing means for storing, retrieving and updating; c) communication means operated by the RB, suitable for providing the GO with data in a predetermined format representing the transaction sought to be guaranteed And d) providing in the GO means for printing out a valid and authenticated certificate for the amount involved in the transaction at a remote printer. E) verifying that the credit of the RB is sufficient to cover the sought guarantee and, if affirmative, subtracting the amount of the sought guarantee from the total available credit Changing the credit level of the RB stored in the GO by subtracting; f) preparing the data necessary to issue a guarantee to the customer, the guarantee comprising the transaction and Identifying the amount to be guaranteed and the conditions under which the warranty may be presented to the GO for payment by the customer; and g) printing the valid and authenticated warranty at the remote printer. And a payout guarantee method. 2. The method of claim 1, wherein the data used to issue the warranty further includes the name of the person to whom the warranty was issued. 3. Only the amount corresponding to the genuine guarantee of any original returned to the GO by the RB or the amount of any guarantee expired without being claimed shall be added to the total amount of available credit. By adding, the RB stored in GO is
3. The prepaid purchase guarantee method according to claim 1, further comprising a step of changing a credit level of the purchaser. 4. The prepaid purchase guarantee method according to claim 1, wherein the warranty card is printed out in a printer installed in the RB. 5. The prepaid purchase guarantee method according to claim 1, wherein the transaction is not performed on the premises of the RB but by a remote purchase method. 6. The prepaid purchase guarantee method according to claim 5, wherein the purchase is made via the Internet. 7. The prepaid purchase guarantee method according to claim 5, wherein the purchase is made by telephone. 8. The prepaid purchase guarantee method according to claim 5, wherein the purchase is made by mail. 9. The prepaid purchase guarantee method according to claim 5, wherein the warranty card is printed out on a printer belonging to or usable by the customer. 10. The prepayment according to claim 1, wherein the guarantee is printed out by transmitting an executable object for controlling a printing operation to an arithmetic unit connected to the printer. Purchase guarantee method. 11. The prepaid purchase guarantee method according to claim 10, wherein the printout of the guarantee card is operated by a program using a Java language (Java language). 12. The prepaid purchase guarantee method according to claim 1, wherein a printer is connected to a decoding device that receives an encoded print command from an arithmetic unit operated by the GO. 13. A system for enabling a buyer to make a prepayment for the purchase of goods and services at a retail store (RB), wherein the system provides a written guarantee that may be issued on the premises of the retail store (RB). E) means provided in the GO for storing, retrieving and updating information representing the level of credit conforming to the RB in a system wherein said payment is guaranteed by a GO. F) communication means operated by the RB, suitable for providing to the GO a predetermined format of data representing the transaction sought to be guaranteed; and g) an effective amount for the amount involved in said transaction. Means provided in the GO for printing out the authenticated certificate at the remote printer; and h) RB trust is sufficient to cover the required certificate. To change the credit level of the RB stored in the GO by verifying if it is, and if affirmative, subtracting the required amount of guarantee from the total available credit Means to be provided in the GO, i) providing a guarantee to the customer specifying the transaction, the amount to be guaranteed, and the conditions under which the guarantee may be presented by the customer for payment to the GO. Prepaid purchase guarantee, comprising: means for preparing the data required to be issued at the remote printer; and j) means for printing out the valid and authenticated certificate at the remote printer. system. 14. Store in the GO by adding to the total amount of available credit an amount corresponding to a genuine guarantee of any original returned by the RB to the GO or any guarantee that has expired. 14. The prepaid purchase guarantee system according to claim 13, further comprising means for changing a credit level of the RB being executed. 15. The prepaid purchase guarantee system according to claim 13, further comprising means for printing out a warranty in a printer installed in the RB. 16. The method according to claim 13, further comprising means for printing out a valid authenticated certificate on a printer belonging to or usable by the customer of the remote purchasing system. Prepaid purchase guarantee system. 17. The prepaid purchase guarantee system according to claim 16, wherein the warranty card is printed via the Internet. 18. The printing of a warranty card is performed via a modem.
A prepaid purchase guarantee system according to claim 16. 19. The method according to claim 16, further comprising means for printing out a certificate by transmitting an executable object for controlling a printing operation to an arithmetic means connected to the printer. Prepaid purchase guarantee system described in one of the above. 20. The prepaid purchase guarantee system according to claim 19, wherein the printout of the guarantee is operated by a program using a Java language (Java language). 21. Decoding means connected to the printer, said decoding means receiving encoded print commands from the arithmetic means operated by the GO, decoding them, and decoding them for the printer. 14. The prepaid purchase assurance system of claim 13, wherein the system is configured to translate them into print instructions. 22. A method for enabling a buyer to make a prepayment on a purchase of goods and services at a retail store, as guaranteed by a financial institution, which is effectively described and illustrated herein. You have a prepaid purchase guarantee method. 23. A system for allowing a buyer to make a prepayment on a purchase of goods and services at a retail store, guaranteed by a financial institution, which is effectively described and illustrated herein. Has a prepaid purchase guarantee system.