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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
|
| 출원번호 | US-0448170 (1989-12-08) |
| 발명자 / 주소 |
|
| 출원인 / 주소 |
|
| 인용정보 | 피인용 횟수 : 1484 인용 특허 : 0 |
A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line display, keys “pointer to”lines on the display, and additional keys. Contact is established
A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line display, keys “pointer to”lines on the display, and additional keys. Contact is established between the terminals and a central computer operated by a service provider, preferably over a dial-up telephone line and a packet data network. Information exchange between the central computer and the terminal solicits information from the terminal user related to requested financial services (e.g., for billpaying, the user provides payee selection and amount and his bank account PIN number). The central computer then transmits a message over a conventional ATM network debiting the user\s bank account in real time, and may pay the specified payees the specified amount electronically or in other ways as appropriate. Payments and transfers may be scheduled in advance or on a periodic basis. Because the central computer interacts with the user\s bank as a standard POS or ATM network node, no significant software changes are required at the banks\computers. The terminal interface is extremely user-friendly and incorporates some features of standard ATM user interfaces so as to reduce new user anxiety.
A system for conducting financial transactions using an ATM network of the type connected to at least one financial institution, said financial institution maintaining an account for a specific user, said system comprising; a central computer; at least one remote data terminal including user input m
A system for conducting financial transactions using an ATM network of the type connected to at least one financial institution, said financial institution maintaining an account for a specific user, said system comprising; a central computer; at least one remote data terminal including user input means and an alpha-numeric display, said data terminal coupled to a dial-up telephone line, said remote data terminal including means for generating first data representing a payee, second data representing an amount, and third data representing an ATM network compatible personal identification number; telecommunication means including a first modem operatively coupled to said central computer and a second modem operatively coupled to said remote data terminal, said telecommunications means for communicating said first, second and third data from said remote data terminal to said central computer via said dial-up telephone line, said central computer further including means for generating a digital message responsive to said communicated first, second and third data and for applying said digital message including said ATM network compatible personal identification number to said ATM network so as to selectively effect debiting of said user account substantially in real-time response to user manipulation of said remote terminal input keys.
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