any required information on the paper receipt and signs the receipt authorizing the transaction 144 referring to fig7 the process description continues once the transaction is approved the central computer captures the micr information and the sale amount and stores that information 146 the central computer subsequently generates a batch message regarding all transaction events for the prior period and transmits all the transaction event information for the day into the ach network 148 during the ach process each checkwriter 39 s account is debited for the exact purchase amount and such an amount is deposited into a system subscriber designated account 150 thereafter collected funds for a total day 39 s events are deposited into a subscriber 39 s account 152 the transaction is then complete 154 the present invention will require the establishment and maintenance of three interconnected but separate data files for the purpose of performing access searches each data file will be accessible by dial up procedures operating in most instances under 34 split dial 34 format from a point of sale 34 pos 34 terminal device or electronic cash register installed for the primary purpose of bankcard and or bank draft authorizations the terminal prompts an operator user to process one of three optional inquiry types any one or all of three primary functions are.