초록 ▼

In a system for carrying out financial transactions via facsimile machines, account customized transaction vouchers are completed by the parties to a transaction, each filling in the amount of the transactions, whether he or she is a sender or receiver of fund, the accound number of the other party

In a system for carrying out financial transactions via facsimile machines, account customized transaction vouchers are completed by the parties to a transaction, each filling in the amount of the transactions, whether he or she is a sender or receiver of fund, the accound number of the other party and signature. The voucher optionally contains a transparent pocket for receiving an identification card of an authorized user of the system, and each party transmits by facsimile an image of the completed voucher together with identification card to a facsimile machine at a central facility, such as an automated clearing house ACH). A character reader at the central facility reads the incoming data and authorizes the requested transaction based on personal identification numbers correctly transmitted to the central facility via telephone pushbotton switches and an adequate account balance. Upon audible confirmation of the transaction information by the central facility using a synthesized voice message over the telephones, and confirmation by the parties, the central facility clears the transaction and sends transaction reports to the parties by facsimile.

대표청구항 ▼

An electronic funds transfer system for carrying out financial transactions between parties to a transaction, comprising: at least one remote facsimile machine at the site or sites of the parties to the transaction, each said facsimile machine including a document reader, a modem for transmitting an

An electronic funds transfer system for carrying out financial transactions between parties to a transaction, comprising: at least one remote facsimile machine at the site or sites of the parties to the transaction, each said facsimile machine including a document reader, a modem for transmitting an image of said document and receiving document images received thereat, and a document printer for printing incoming images on a recording medium; a central facsimile machine located at a central facility for receiving incoming images sent from said at least one remote facsimile machine at the site or sites of said parties, a central computer at said central facility and means for formatting said incoming images into a form recognizable by said central computer; a transaction voucher having a first region for containing at least the amount of a transaction, an account number and the written signature of a party to the transaction; images of transaction vouchers sent by the at least one remote facsimile machine to said central facsimile machine being formatted and processing by said central computer; and means incorporated in the central computer for clearing the transaction based upon said incoming voucher images received from said at least one remote facsimile machine.