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METHOD AND SYSTEM FOR REMOTE DELIVERY OF RETAIL BANKING SERVICES
METHOD AND SYSTEM FOR REMOTE DELIVERY OF RETAIL BANKING SERVICES
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机译：远程提供零售银行业务的方法和系统
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摘要
A practical system (50)and method for the remotedistribution of financial services(e.g., home banking andbillpaying) involves distributingportable terminals (54) to a userbase. The terminals (54) includea multi-line display (102), keys"pointing to" lines on the display(108), and additional keys.Contact is established between theterminals (54) and a centralcomputer (52) operated by a serviceprovider, preferably over adialup telephone line (62) and apacket data network (56).Information exchange between thecentral computer (52) and theterminal (54) solicits informationfrom the terminal user related torequested financial services (e.g.,for billpaying, the user providespayee selection and amount and his bank account PIN number). The central computer (52) then transmits a message over aconventional ATM network (66) debiting the user's bank account in real time, and may pay the specified payees the specified amountelectronically or in other ways as appropriate. Payments and transfers may be scheduled in advance or on a periodic basis.Because the central computer (52) interacts with the user's bank as a standard POS or ATM network node, no significant softwarechanges are required at the banks' computers. The terminal interface is extremely user-friendly and incorporates some features ofstandard ATM user interfaces so as to reduce new user anxiety.
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