The CD90 collects traffic from each POS terminal and routes this to a bank host. The first terminal to require service causes the CD90 to establish a session with the host. If another terminal then requires service it can take advantage of the session already in progress by the first terminal. During very busy periods it is possible that several transactions can be bridged together into one call, allowing for quicker processing of transactions.

The CD90 can be programmed to modify the message format coming from the terminal to be configured for a different host. It can also be programmed to capture call statistics and any other information that may be of interest. When new applications are developed, the CD90 can be downloaded over the phone network, allowing new features to be easily and quickly sent to merchants.

The CD90 can detect off-hook and generate ringing on the terminal ports. Thus it can place calls to and accept calls from the attached dial terminals. The CD90 completely simulates the telephone networks so that the terminal notices no difference from being connected to the PSTN lines.

Installation is made easy by the fact that the CD90 is a plug-and-play solution. There is no need for any expensive wiring. The terminals plug into the CD90 exactly as they plug into a Telco receptacle. No code changes are required to the terminal.

Configuration data for the CD90 is programmed either from the terminal or simply by calling into the CD90 remotely and updating its flash memory information. Maintenance is easy as changes to configurations can be done from a remote help desk without the need for the merchant to get involved.