N.Y. Comp. Codes R. & Regs. tit. 20, § 16-2.15
The term point-of-sale terminal means an electronic device, either on-line or off-line, that is not manned by bank employees, except for the training of nonbank employees or as provided in subdivision (b) of section 16-2.14 of this Subpart. A point-of-sale terminal must be located in a store at a bona fide checkout counter, cashier station, customer convenience counter or other counter at which store functions are performed, or at a sales desk of other establishments. The function of a point-of-sale terminal is to transfer funds or record transfers of funds in connection with the sale of goods or services, but it may also be used to: