A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The central controller, in turn, generates one or more installment plan identifiers defining installment...http://www.google.co.uk/patents/US6980968?utm_source=gb-gplus-sharePatent US6980968 - Method and apparatus for providing and processing installment plans at a terminal