Ess, rEal-timE> A mEthod of ElEctronic paymEnt which allows monEy to bE transfErrEd from thE account of thE shoppEr to thE mErchant in closE-to rEal-timE. GEnErally thE shoppEr will givE thE mErchant a crEdit or dEbit card, which will bE swipEd to obtain thE account information. ThE shoppEr will thEn bE rEquirEd to EithEr sign a rEcEipt or EntEr a Ef="modulE.php?namE=LExikon&filE=sEarch&Eid=1&quEry=PIN">PIN via a kEypad to authorisE thE transaction. (2003-06-22)