MX2008000905A - Method and apparatus for multi-language user selection for system user interface - Google Patents

Abstract

A method and apparatus for a credit card and debit card transaction terminal including a processor, a display and a memory. A card reader is configured to read data stored on a portable memory medium. An operator interface is produced by an operator interface program and executable by the processor. The operator interface being displayable on the display in an operator language. A customer interface is produced by a customer interface program and executable by the processor. The customer interface being displayable in a customer language. A language identification module is stored in the memory and executable on the processor. The language identification module is configured to select the operator language and to select a customer language in which displayable for the operator and customer, respectively. The operator and customer languages are selected from a plurality of languages stored in the module. The operator and customer languages are different.

Description

METHOD AND APPARATUS FOR THE SELECTION OF MULTIPLE LANGUAGES BY THE USER FOR THE INTERFACE OF SYSTEM USER Cross Referencing Related Requests This international application claims the priority of U.S. Patent Utility Application Serial No. 11 / 185,030, filed July 20, 2005, the entire disclosure of which is incorporated herein by reference.

Field of the Invention The present invention relates to the field of credit card transaction terminals suitable for use in retail and food businesses and other establishments that interact with consumers. More specifically, the present invention relates to a point of sale of terminals and transactions, where business consumers can speak a language other than the language spoken by the merchant and the processes of the credit card transaction terminal in more of a language and it is displayed in the correct language for the consumer and in the correct language for the merchant.

Background of the Invention The use of credit card and debit card to carry out commercial transactions between sellers and merchants is a daily event in modern life. The ease of use and the integration of credit cards into daily life is such that many consumers do not carry cash and rely on credit cards or debit cards for all their purchases. At the same time, the increasing mobility and globalization of the population has resulted in several ethnic groups operating and sponsoring businesses, and in some cases, the merchant who operates a card terminal may not speak the same language as the consumer. . This can present the problem that when the point of sale terminal displays only one language for the merchant / operator or the consumer, they can not be understood. In such cases, the language becomes a barrier to completing the transaction. Business establishments in multiple ethnic areas and those operators who do not speak the language of the local culture where they are located, need to adapt to the merchant and the consumer by providing terminals that can be used by both. Previously, credit card terminals were programmed to access a database, a server or run in a program that could only be displayed and print one language per transaction. Typically, the language was the language of the merchant or the native language of the location of the business establishment. For a consumer who does not speak the language displayed by the credit card terminal, the consumer could not understand the transaction and distrusted the business and, therefore, the transaction. When the merchant needs to operate instructions or needs to start the terminal, having a display in the merchant's language while printing receipts or having the client's displays in the client's language is not available now. Conventionally, there is a need for a credit card terminal that has the ability to display information in the language of the merchant and display information or print a receipt in the client's language, so that both parties can complete the transaction with a high level of reliability.

Brief Description of the Invention Accordingly, the present invention is directed to a method and apparatus for selecting the user in multiple languages for a user interface of the system that essentially eliminates one or more of the problems due to limitations and disadvantages. of the related technique. An objective of the present invention is to provide a credit card and debit card terminal that has the ability to display information in a language for the merchant and print a record and / or display information for the business transaction in another language than corresponds to the consumer's language. The additional features and advantages of the invention are set forth in the following description, and in part, they will be evident from the description, or they can be learned with the practice of the invention. The objects and other advantages of the invention can be achieved with the structure indicated in the written description and in the claims thereof, as well as in the attached drawings. One embodiment of the subject matter of the invention is a credit card and debit card transaction terminal that includes a processor, a screen and a memory. The terminal also includes a card reader configured to read data stored in the memory medium of a portable memory medium. In addition, an operator interface is produced by an operator interface program stored in the memory and that can be executed by the processor, where the operator interface can be displayed on the screen in the operator's language. The terminal also includes a consumer interface that is produced by a consumer interface program stored in the memory and that can be executed by the processor, wherein the consumer interface can be displayed in the consumer's language. The terminal also includes a language identification module stored in the memory and that can be executed in the processor, the language identification module is configured to select the language of the operator, in which the operator interface for an operator is displayed and to select the language of the consumer in which the consumer interface for a consumer is displayed, and wherein the operator's language and consumer's language are selected from a plurality of languages stored in the module and the consumer's language and language. The operator's language are different. Another embodiment of the subject matter of the invention is a method for configuring an operator language that can be displayed on the screen to be a drop-down language for the consumer for a credit card and debit card transaction, which includes the steps of identifying the operator's language for the operator interface that can be displayed on a screen from the language identification module, which can be configured from a plurality of languages, wherein the language of the operator is provided from a Operator interface program. The method includes selecting the operator language of a plurality of languages that can be displayed on the screen from the operator interface program and storing the operator language in a memory to display the operator interface on the screen in the operator's language. . The method also includes reading the consumer's language from the portable memory medium of the consumer and identifying the consumer's language for the consumer interface from the language identification module, which can be configured from a plurality of languages, the language of the consumer. consumer is provided from the consumer interface program and can be deployed. The method also includes selecting the consumer language of a plurality of languages from the consumer interface program and carrying out the business transaction, wherein the business transaction includes displaying the operator interface in the operator's language on a screen and display the consumer interface in the consumer's language, where the operator's language and the consumer's language are different. Another embodiment of the subject matter of this invention is a computer-readable medium containing computer executable instructions, including selecting the language of the drop-down operator on a screen from a plurality of languages associated with the operator's interface program and store the operator's language in a memory. The subject matter also includes reading the portable memory medium for the consumer and identifying the consumer's language from the portable memory medium, selecting the language of the consumer that can be displayed to the consumer from a plurality of languages associated with a consumer interface program. The subject matter also includes displaying an operator interface in the language of the operator provided from the operator interface program to carry out a business transaction, and displaying the consumer interface in the language of the operator provided by the interface program. of the consumer to carry out the business transaction. Another embodiment of the subject matter of the invention is a method for converting a language of the drop-down operator into a screen of a credit card and debit card terminal in a language of the customer for a business transaction, which includes selecting a operator language of a plurality of languages stored in the language identification module stored in the memory, the language identification module associated with the operator language identification module, is configured to identify the operator's language, where the The operator's language can be displayed for the operator's interface to an operator on a screen and store the operator's language in a memory. The method includes reading the portable memory medium of a consumer and identifying a plurality of languages stored in the language identification module, the consumer's language, the language identification module associated with the consumer's language identification module. set to identify the consumer's language, where the consumer's language can be displayed to the consumer in a printing mechanism; When the consumer's language is not identified, then a default language is selected and displayed to the consumer. The method also includes selecting a consumer language from a plurality of languages stored in the language identification module stored in the memory; The language identification module associated with the consumer language identification module is configured to identify the consumer's language, where the consumer's language can be displayed to the consumer. The method also includes deploying an operator interface from an operator interface program, in the operator's language on a screen for the operator to carry out a business transaction and display the consumer interface from the consumer interface program in the language of the consumer in the printing mechanism to carry out the business transaction, where the consumer's language and the language of the operator are different and provide a consumer input that can be configured to provide an input for the consumer, in where the consumer interface can be displayed on the screen in the customer's language for consumer input. Another embodiment of the subject matter of the invention is a mechanism for configuring the business transaction, having an operator language language interface to display the operator's language and a consumer language interface means to display a user's language. consumer language, which includes a means for selecting the language of the operator from a terminal language identification module stored in the memory, configured to include a plurality of languages, the terminal language identification module is configured to identify the operator language from a language identification means, where the operator's language is displayed to the merchant at an operator interface and store the operator's language in a memory. The method also includes a means for identifying the consumer's language from the reading of the portable memory medium of the consumer and a means for selecting the consumer's language from a consumer language identification means stored in the memory, configured to include a plurality of languages, the consumer language identification module is configured to identify the consumer's language where the consumer-to-consumer interface is displayed. The mode also includes a means for displaying an operator language in the merchant interface medium for the business transaction and a means for displaying a consumer language in the consumer's language interface medium, where the consumer's language is different from the operator's language. It should be understood that the above general description and that the detailed description below are only exemplary and explanatory and are intended to provide a further explanation of the invention, as claimed.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are included to provide greater understanding of the invention, which are incorporated and constitute a part of this specification, illustrate the embodiments of the invention and together with the description serve to explain the principles of minus one embodiment of the invention. In the drawings: Figure 1 is a block diagram of an interactive system for use with a portable memory medium. Figure 2 is a flowchart illustrating a method for use in a system that provides a language for the user interface display and another language to display a consumer interface. Figure 3 is a flow chart illustrating a method for being used in a system that provides a language for the user interface display for the worker and another language to be displayed in the user interface display and for the consumer during a business transaction. Figure 4 is a block diagram of an interactive system for use with a portable memory medium, wherein the interactive system has more than one display.

Detailed Description of the Invention Reference is now made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings. Also described are one or more exemplary implementations of a method and apparatus for use in selecting the user of multiple languages for the user interface of the system that displays different languages for the consumer and for the worker involved in a business transaction. Figure 1 is a block diagram of a modality of a terminal 100 of a credit card or debit card ("terminal"), in accordance with the present invention. The terminal 100 may be similar to a normal credit card terminal, but may be stationary, such as superimposed on a cash register or incorporated therein, or the terminal may be portable to allow the merchant to carry the credit card terminal around the establishment of the business, to be used in multiple location in the store, building, market, restaurant or its similar. Terminal 100 has characteristics similar to most credit card terminals, and may be without limitation, a PC, a workstation, an elementary terminal or any other form of system used to carry out a business transaction in a commercial establishment. In this mode, terminal 100 will be a normal credit card terminal used in most retail businesses. The features of the terminal include a card reader 102 that is configured to read the portable memory medium that will include any form of credit card, debit card, ATM card or its like that has a magnetic tape that stores information related to the owner of the card 104. The card reader 102 can accept the card 104 in any physical manner, for example, internally or by sliding, or it can be configured to read an integrated microcircuit (IC) or a radio frequency memory ( RFID) without having to physically accept the card 104. For example, instead of sliding the card 104, the card reader 104 has the ability to read the RFID memory and conduct all the necessary steps to carry out the business transaction, As if it were a regular credit card. In this mode, it is assumed that the terminal 100 is configured to internally accept a card within the terminal 100 by slipping, wherein the card reader 102 reads the memory tape on the card 102. The terminal 100 also has a keyboard 108 that allows manual entry of user inputs by the merchant or according to the business transaction entries from the consumer. User entries will include phone numbers, the consumer's personal identification number for the debit card transactions, a credit card number for the establishment of the business, when for some reason the card reader 102 can not read the card 104 or other user entries that are necessary to meet the needs of the merchant. The keyboard 108 may also be used by the merchant to select the appropriate language for the user interface display 106 and the keyboard may also allow the merchant to select the language to be printed on the receipt 114, as described below. The keyboard 108 can be any form of input means, including a keyboard, a touch pad, an actuator or a similar device. The terminal 100 also has a user interface display 106 that will display or display the information to the merchant, which is relevant to the establishment of the business, including the time, date, sale price and instructions for setting up the business. enter data at the appropriate time along with other items that can be displayed during a business transaction by a credit card terminal or when the terminal expects the business transaction. The user interface display 106 can be any form of screen, including an LCD; a screen, a television or a computer monitor, or a typical monochromatic screen, found in a credit card terminal. Terminal 100 also includes a processor 110 that will process the business transaction within the systems and appropriate deployments to complete the transaction. The processor can be used to process the different modules from a memory 108 and can be used by the merchant to select the appropriate language for the user interface display 106. The user interface display 106 can also be used to display information to the consumer or can be used as a consumer interface and when the consumer interface display 106 is used or displayed by the consumer, then the user interface display 106 will display relevant information to the consumer in the consumer's language. As shown in Figure 4, there may be more than one user interface display 106, when for example, the establishment of the business has a configured deployment at the location of the business transaction of the establishment of the business to have a deployment 150 of the merchant to display the business transaction to the merchant or the operator and a consumer display 155 to display information to the consumer. The terminal 100 may also include a printer 112 that will print a receipt 114 as a record of the business transaction. The printer 112 may be some form of the consumer interface that will provide a record of the business transaction to the consumer. Such a consumer interface can be a printer with a receipt, a computer that provides an electronic or printed receipt, a touch screen or keyboard adapted to the consumer of the terminal or any other means of registration used in retail business for the consumer . The printer 112 may have the ability to print a receipt 114 in a single piece of paper format for the consumer to sign multiple copies printed by the printer 112, in a double carbon copy format for the consumer to sign or any another way contemplated by the persons experienced in the art. In this embodiment, it is assumed that the consumer interface is a printer 112 that will print a receipt 114 that is in a double carbon copy format to be signed by the consumer. Also, the printer 112 does not have to be physically or internally associated with the terminal, but it can be connected to an electronic medium, among which are without limitation, an Ethernet consumer, a broadband, a T-1 consumer, a DSL , telephone lines, wireless, coaxial cables or any other contemplated means that will associate the terminal 100 with the printer 112. For purposes of description, it is assumed that only the printer 112 will be connected internally with the terminal 100, as shown in FIG. Figure 1. The receipt 114 that is printed by the printer 112 presents the typical writing, information and expressions that are normally found on a receipt 114, which the merchant delivers to the consumer for the business transaction, among which are included, without limitation , items such as the price, the name of the establishment of the business, the location of the establishment of the business and the telephone number, the time of the transaction business, the consumer's signature line, the consumer's account information and any other possible information that is normally included in a credit card receipt. In the subject of the invention, all this information will be in the consumer's language for the convenience of the consumer. The terminal 100 also contains a memory 116 that stores programs used in a typical business transaction, which are used in a credit card terminal. The memory 116 also stores a program 120 of interface language that generates an operator interface that is deployed in the user interface display 106 to assist the merchant or operator with the business transaction. The interface language program 120 includes a language identification module 122 which is used by the interface language program 120 to identify and select the appropriate language to be displayed on the user interface 106 or on the receipt 114. The module 122 language identification will select an interface language for the operator interface and select the consumer interface by running one of two sub-routines depending on the task to be completed. Each sub-routine can be used separately to conduct the business transaction. The first sub-routine is the terminal language identification module 124 that is executed to identifywe. , selecting and displaying the appropriate language for the merchant in the user interface display 106. The terminal language identification module 124 can be read from the stored group of languages in memory in advance of any business transaction. Sub-routine 124 of terminal language identification may be executed a few times, for example, during the beginning of the terminal by the merchant or, probably, when the operator speaking a language is replaced by a worker speaking another language during a change shift. The second sub-routine is a consumer language identification module 126, which is run to identify, select and display the appropriate language for the consumer on the receipt 114, which is printed by the printer 112 or some other form of interface of the consumer. The consumer language identification module 126 is executed in a manner similar to the terminal language identification module 124, since it is read from the stored language group from the memory 116, which can be displayed to the consumer. The consumer language identification module 126 may be executed when necessary to print a receipt 114 in the consumer's language for a credit card or debit card transaction and may be executed multiple times per day, per hour or per week. The methodology for these tasks will be described in more detail later. The language identification module 122 may have an extensive array of languages to select to be displayed as the interface language, either the operator interface or the consumer interface language, for the merchant and the consumer, respectively. The terminal language identification module 124 and the consumer language identification module 126 are associated to execute the necessary interface language to be displayed in the user's interface display and / or the receipt. The plurality of languages available for the interface language will only be limited by the size of the memory needed to store the languages and the costs associated with transferring the interface language to be displayed in the user interface display 106 or displayed at the interface or receipt 112 of the consumer. The language identification module 122 may include a text representation of the language name, or it may be in the form of code that is reconciled by the processor 110 or the computing device in terminal 100 for the interface language to be displayed. Any representation can be used to automatically identify and display an appropriate interface language to be displayed in the user interface display 106 or displayed on the receipt 112. Figure 2 is a flowchart illustrating another embodiment of a method to be used. in a system that provides a language for the user interface display 106 and another language to be displayed on the consumer interface or on the receipt 114, which is printed by the printer 112. In this mode, it is assumed to be a terminal of a stationary credit card, as shown in Figure 1, and it is located in a retail business establishment and the card is supposed to be a typical credit card with a magnetic tape that stores the relevant consumer information. However, it should be noted that it is not intended to limit the application of the invention in any way. In block 200, the merchant may select and store in the memory 116 the language of the merchant used in the user interface display 106 or may allow a default language to be displayed in the user interface display 106 of terminal 100. , whose details are described below. The terminal 100 can be configured so that the merchant uses the keyboard 108 and the user interface display 106 to search through the plurality of languages that are provided by the language identification module 122 through executing the sub-routine of the terminal language identification module 124 to display the interface language for the language to be displayed in the user interface display 106, otherwise the operator's language or the language of the merchant is known. The merchant uses the keyboard 108 to designate or select the appropriate language necessary for the user interface display 106. Other possible modalities for selecting the interface language to be used by the merchant will have a default language selected for terminal 100 before activating the terminal, which will match the language of the merchant or possibly have a terminal 100 configured to access to an Internet site and download the language from the appropriate operator into the language identification module 122 and execute the language identification module 124 of the terminal before activating the terminal 100. The interface language for the consumer's language it may be selected through the consumer language identification module 126 and may be searched and selected in the same manner, except as described below. The terminal 100 can also be configured to allow the operator interface language to be displayed on the user interface screen 106 to be changed from one language to another by the merchant to suit the operators or users working with the terminal. Credit card and probably speak different languages but work in the same business establishment. In block 210, the terminal 100 is configured to accept the portable memory means, such as a card with a magnetic tape that allows the card reader 102 to detect the card 104 when it is inserted or slides in the terminal 100. The terminal 100 is configured to read the card 104 and determine if a particular language has been stored in the memory of the card, as shown in block 220. When there is an associated language for the card 104, then the language identification module 122 and the consumer language identification module 126 will execute to identify, determine and select the appropriate language for the consumer, as shown in block 230 ("branch 235" Yes "in block 250), which can be displayed in the user interface. consumer or on receipt 114. Block 250 shows that the consumer interface is executed for the business transaction and receipt 114 is printed on printer 112 associated with terminal 100. In addition, s, during the business transaction, block 250, the user interface display 106 displays an operator interface language that corresponds to the language of the merchant and provides instructions, prices and other expressions and information, which are normally used during a transaction. Businesses that use a credit card by the merchant. The terms "operator's language" and "merchant's language" are used interchangeably throughout the specification and have the same meaning. The receipt 114 is printed in the appropriate language of the consumer as shown in block 260. The receipt 114 will display the normal information that the merchant will give the consumer for a business transaction, which includes, but is not limited to items such as cost , the name of the business establishment, the location of the business establishment, the telephone number, the time of the business transaction, the consumer account information, the signature line, and any other possible information that is normally included in a receipt of credit card and that will be displayed in the consumer's language. When there is no language associated with the card 104 or when there is a language associated with the card 104 (branch 236"no" in block 240), but can not be identified by the sub-routine of the language identification module 126 of the consumer, then a default language is selected by the consumer language identification terminal to be displayed on the receipt, as shown in block 240. The default language can be sent to processor 110 to be displayed as the interface language. of the consumer on the receipt (branch 245"DL" in block 250). After 250 business transaction has been carried out, then a receipt 114 is printed from the printer 112, which presents the normal information and that the merchant will deliver to the consumer as described above, however, the receipt 114 will be printed in the default language. The default language can be selected by the merchant because it is the language most used by the consumers of the establishment of the business or because it is the language of the merchant or by any other criterion that the merchant considers acceptable, which may allow the merchant to better conduct the transaction of business. After the receipt 114 has been printed by the printer 112, the system is restarted in block 265 back to block 210 (branch 270"reset" in block 210) to prepare for a new consumer using the card 102, which will activate the terminal unless there is a need to change the interface language for terminal 100. The method can also be adjusted to restart back to block 210 when the user, the operator or the merchant is replaced by a person who speak another language to that used by the user, operator or merchant, as shown in branch 275. Figure 3 is a flow chart illustrating another embodiment of a method for use in a system that provides a language for the deployment 106 of user interface for the operator and another language can also be displayed in the user interface display 106. There may be cases, where the consumer may need to see the user interface display 106 to complete the transaction. For example, instead of a credit card transaction, the consumer chooses to use a debit card to complete the transaction and the user interface display 116 needs to display information in the consumer's language to complete the business transaction. In this mode, there is a business transaction for a stationary credit card or debit card terminal, as shown in Figure 1, and it is located in the retail business establishment and it is assumed that the card is typically a Credit card or debit card terminal with a printer that prints the receipt. The flow chart of Figure 3 is very similar to the flow chart of Figure 2, except that it has additional associated steps that provide the consumer language in the user interface display 106. In block 300, the merchant may select and store in the memory 116 the language of the merchant to be used in the interface display 106 of the user to be displayed to the merchant or may allow a default language to be displayed in the display 106 of user interface of terminal 100. The merchant can use the keypad 108 of terminal 100 to configure the language to be displayed to the merchant in user interface display 106 or in a manner similar to that described in Figure 2. In the block 310, the terminal 100 is configured to accept the portable memory medium as a credit card with a magnetic tape that allows the card reader 102 to detect the card 104 when it is inserted or slid in the terminal 100. The terminal 100 is configured to read card 104 and is also configured to determine when the particular language has been stored on the card as shown in block 320. Same as In Figure 2, the consumer language identification module 126 will be executed to identify, determine and select the appropriate consumer language, as shown in block 330 (branch 336"if", of block 350), to be displayed by the user interface display 106 and / or receipt 114. However, to carry out the debit card transaction or any credit card transaction, the consumer may need to enter the personal identification number ("PIN ") on the keyboard 108 to verify and confirm the transmission to complete the business transaction. The user interface deployment 106, shown in block 365, displays the words, information and expressions in the language of the merchant to involve the merchant in the business transaction. In block 360, terminal 100 displays words, information and expressions in consumer language 106 in the user interface display 106 to engage the consumer in the business transaction. For example, user interface display 106 may display in the consumer's language the words necessary to notify the consumer to understand, confirm, approve or otherwise complete the transaction via keyboard 108. Interface display 106 of the user displays all the normal information to the consumer who will complete the debit card transaction including the PIN number; the change in effect and its like, as shown in block 360, in the consumer's language. Block 370 demonstrates that the business transaction has occurred and a receipt 114 can be printed from the printer 112, as shown in block 380. For the business transaction, the user interface display 106 can be changed again from the language from the consumer to the language of the merchant, according to the state of the transaction and the person viewing the user interface display 106. The receipt 114 is printed and displays the normal information to be included in the credit card receipt and will be displayed in the consumer's language. After the receipt 114 has been printed by the printer 1212, the system is reinitiated back to block 310 (branch 390"reset" in block 310) preparing for a new consumer using the card 102 (either a credit card). credit or debit card) for a business transaction that will activate terminal 100, unless the interface language for terminal 100 has to be changed. The method can also be adjusted to restart again back to block 300 when the The user, the operator and the merchant is replaced by another person who speaks another language than the user, operator or merchant, as demonstrated in branch 295. Again, when there is no language associated with the card 104 or when there is a language associated with the card 104 (branch 335"no" in block 340) but the language can not be identified by the sub-routine of the consumer language identification module 126, then a default language is selected and is displayed on the user interface's receipt and display 106. Again, similar to Figure 2, the default language can be sent to the processor 110 to be displayed on the receipt (branch 345"DL" in block 350). At the end of the transaction, block 380, a receipt 114 is printed from the printer 112, which displays the normal information that the merchant will give the consumer, but the receipt 114 is in the default language. As described in Figure 2, the default language can be selected by the merchant because it is the language most commonly used by the consumers of the business establishment or the language of the merchant or any other criterion can be used that allows the merchant to better conduct the business transaction. While the invention has been described in detail and with specific reference to the modalities thereof, it will be apparent to those skilled in the art that changes and modifications can be made without departing from the spirit and scope thereof. Thus, it is intended that the present invention encompass the modifications and variations of this invention, which fall within the scope of the appended claims and their equivalents.

Claims (26)

1. A credit card and debit card transaction terminal, characterized in that it comprises: a processor; a screen; a memory; a card reader configured to read data stored in a memory medium of a portable memory medium; an operator interface produced by an operator interface program stored in the memory and that can be executed by the processor; the operator interface can be deployed on the display in the operator's language; a consumer interface produced by the consumer interface program stored in the memory and that can be executed by the processor, the consumer interface can be displayed in the consumer's language; and a language identification module stored in the memory and that can be executed in the processor, the language identification module can be configured to select the language of the operator where the operator interface can be displayed to the operator and to select the language of the consumer, where the consumer interface for the consumer is displayed, where the operator's language and the consumer's language are selected from a plurality of languages stored in the module, where the consumer's language and the language of the consumer operator are different and where the transaction that provides information is presented to the operator in the operator's language and to the consumer in the consumer's language, as part of the transaction. The terminal according to claim 1, characterized in that the language identification module allows the selection of the operator language of the plurality of languages stored in the language identification module. 3. The terminal according to claim 1, characterized in that it also comprises a printing mechanism. The terminal according to claim 3, characterized in that the printing mechanism is a printer. 5. The terminal according to claim 4, characterized in that the printer issues a record. The terminal according to claim 1, characterized in that the language identification module allows the selection of the consumer's language from a plurality of languages stored in the language identification module. The terminal according to claim 6, characterized in that the user input can be configured to select the consumer's language to display the consumer-to-consumer interface. The terminal according to claim 1, characterized in that the terminal is portable. 9. The terminal according to claim 1, characterized in that the terminal is stationary. The terminal according to claim 1, characterized in that the portable memory means also comprises an integrated circuit card. The terminal according to claim 1, characterized in that the portable memory means also comprises a card having a magnetic tape. 1

2. The terminal according to claim 1, characterized in that it also comprises a plurality of deployments. The terminal according to claim 1, characterized in that the data stored in the portable memory means comprises a language identifier that identifies the language of the consumer preferred by the consumer. The terminal according to claim 1, characterized in that the data stored in the portable memory means comprises a language identifier that identifies the consumer language preferred by the operator. 15. A method for facilitating a credit card and debit card transaction, characterized in that it comprises: storing information facilitating the transaction in a plurality of languages in a language identification module; allow the operator to select the language of the operator of one of the plurality of languages, where the information that facilitates the transaction is stored in the language identification module; store the operator's language in a memory to display the operator's interface on the screen in the operator's language; read the consumer's portable memory medium; identify the consumer's language from the consumer's portable memory medium; selecting the language of the consumer, wherein the consumer's language is selected based on the language of the consumer identified from the plurality of languages, wherein the information facilitated by the transaction is stored in the language identification module; and conducting the business transaction, wherein the business transaction comprises displaying the operator's interface in the operator's language on the screen and displaying the consumer's interface in the consumer's language, where the operator's language and the consumer's language They are different. 16. The method according to claim 15, characterized in that the consumer interface is displayed on the screen. 17. The method according to claim 15, further comprising printing a receipt for the consumer in the language of the consumer, wherein the receipt comprises a record of the transaction. 18. The method according to claim 15, characterized in that the default language is stored as the consumer's language, when the language identification module does not contain the information that facilitates the transaction in the consumer's language read from the medium of the consumer. Portable Memory. 19. The method according to claim 15, characterized in that it further comprises reading the operator's default language from the memory before allowing the operator to select the operator's language. 20. A computer readable medium containing computer executable instructions, characterized in that the computer executable instructions comprise instructions for: storing the information facilitating the transaction in a plurality of languages in a language identification module; selecting the language of the operator from the plurality of languages in which the information facilitated by the transaction is stored in the language identification module; store the operator's language in memory; read a consumer's portable memory medium; identify the consumer's preferred language from a consumer's portable memory medium; selecting a consumer language from the plurality of languages in which the information facilitating the transaction is stored in the language identification module based on the consumer's preferred language identified from the consumer's portable memory medium; display an operator interface on a screen in the operator's language to conduct a business transaction, and display a consumer interface in the consumer's language to conduct the business transaction. 21. The method according to claim 20, characterized in that the consumer interface is displayed on a screen. The method according to claim 20, characterized in that the default language is selected as the language of the consumer when the language identification module does not contain information facilitating the transaction in the consumer's preferred language. 2

3. The method according to claim 20, characterized in that it also comprises printing the receipt for the consumer in the language of the consumer, wherein the receipt comprises a record of the transaction. 2

4. A method for facilitating a business transaction between an operator, wherein the operator speaks the language of the operator and a consumer, wherein the consumer speaks the consumer's language, where the consumer's language and the consumer's language are different , and wherein the business transaction is facilitated by displaying information in a credit card and debit card terminal, the method is characterized in that it comprises: storing the information facilitating the transaction in a plurality of languages in an identification module. of language; allow the operator to select the language of the operator of the plurality of languages for which, the information facilitated by the transaction is stored in the language identification module; store the language selected by the operator in a memory; read the consumer's preferred language from a consumer's portable memory medium; determining whether the preferred language of the consumer is one of a plurality of languages where the information facilitating the transaction is stored in the language module, where the consumer's preferred language is selected as the consumer's language when the consumer's preferred language is one of a plurality of languages where the information facilitating the transaction is stored in the language identification module, and where, when the consumer's preferred language is not one of the plurality of languages stored in the identification module of language, then a default language is selected as the consumer's language; allow the consumer to confirm the selected language of the consumer, display the operator interface from an operator interface program in the operator's language on a first screen, whereby the operator can conduct a business transaction; and display a consumer interface from a consumer interface program in the consumer's language on a second screen to conduct the business transaction, where the consumer's language and operator's language are different and where the consumer interface is You can display on the second screen in the consumer's language to receive the consumer's input. 2

5. The method according to claim 24, characterized in that it further comprises printing a receipt for the consumer in the language of the consumer, wherein the receipt comprises a record of the transaction. 2

6. The method according to claim 24, characterized in that the first screen and the second screen are the same screen.