METHOD AND SYSTEM FOR REMOTE DELIVERY OF RETAIL BANKING SERVICES

摘要

the system (50) and method of distance distribution of financial services (e.g. banking and bill payment at home based on the equipment of a user base of portable terminals (54). the terminals (54) is provided with a multi line display (102), touch, "" lines on the display (108), and additional keys.the connection between the terminals (54) and a central computer (52), which is managed by a server, is provided preferably by a dial-up telephone line (62) and a packet data transmission network (56).the exchange of information between the host computer (52) and a terminal (54) allows the user of the terminal to request information concerning the financial services they need (e.g., to pay the bills, where the user provides a list of people with the rose s and number of its bank account pin).the host computer (52) then transmits a message to a conventional network of atm (66) to debit the account of the user in real time, and the people must pay the amount specified by electronic means or, as the case may be. the payments and transfers can be scheduled in advance or on a regular basis.the host computer (52) in cooperation with the bank of the user in the form of a standard network node point of wind (pos) or automatic teller machine (atm), there is no need to make major changes to computer banks.the interface of the terminal is very friendly and has some characteristics of user interfaces of the standard atm network to prevent any reluctance on the part of users.