CN1269894A - Personal banking machine - Google Patents

Abstract

A method and system (2) for performing banking transactions and obtaining information about banking products and services. The system (2) includes features for performing banking transactions. The transaction functions include services such as applying and receiving checks (13), banking credit cards (14), opening accounts (15), applying for loans (20), and accessing the internet (23). The system (2) also includes an information function that allows the user to obtain information about savings accounts (19), loans (20), home banking (21), travel-related services (22), and information retrieved from the internet. The system (2) also provides demonstrations (24) of various banking products and services. The system (2) allows customers and non-customers to perform these functions in a 24 hour or extended work time environment without the need for contact with or assistance from a customer service representative or local bank clerk.

Description

Personal Banking Machine

field of invention

The present invention relates generally to banking methods and systems for banking customers and non-customers to perform financial transactions and obtain banking products and services. The present invention allows a user to establish a new banking relationship. The invention includes features for performing and completing banking transactions such as obtaining checks, bank credit cards and account information and establishing new accounts. Other aspects of the present invention enable users to obtain information about banking products and services, as well as information from the Internet, anytime, anywhere, without the assistance of traditional local banking customer service representatives.

There is an increasing demand from customers for all-round services of banks at the branch level 24 hours a day, seven days a week. Recently, self-service banking products and services offered at the local level have been limited to simple functions such as withdrawals, deposits and delivery of account debit statements. Bank customers have also been unable to obtain increasingly complex information and execute the associated transactions that are the substance of that information without the direct assistance of local bank personnel during normal business day business hours.

To meet this demand, banks are looking to transform part of the traditional branch into a "personal space" in which both customers and customer representatives are better equipped to meet customers' increasingly complex financial needs. This shift will result in information-based banking being consolidated into a retail space that is now almost exclusively dedicated to conventional transaction-based banking.

The bank of the future will give customers greater control over their financial interests, which is fundamental to the goal of any financial institution to provide sound money management for any of its customers. This goal is supported by the introduction of advanced technology into the branch environment, such as access to the Internet, self-service account functions, home banking, global products and services. This technology allows customers and non-customers to obtain information and transactions that provide a real market differentiation in retail banking.

Finally, the activities that customers are beginning to perform at the local branch level are qualitatively different from those previously accomplished. Regardless of the increasing number of remote access channels among customers, it is clear that for the foreseeable future, worldwide branches of financial institutions will continue to be very important to bank customers and non-customers alike. Therefore, there is a need to target and influence the millions of customers worldwide while efficiently delivering superior products and services to both in-branch customers and non-customers.

Personal Banking Machines (PBMs) fulfill three primary needs of banks: 1) Serve customers and non-customers in a 24-hour or extended-hours environment without the interaction or assistance of a customer service representative or local bank staff , including registration of non-customers in banking relationships, 2) providing banking product and service information to customers and non-customers, and 3) providing customers with the ability to perform banking transactions.

PBM also helps in increasing the number of customers and potential customers. They will be attracted by this new and convenient way of obtaining information and products. The emergence of self-service capabilities that can be used for information and transactions that currently require a bank clerk or bank teller is a very important aspect of PBM, as local branch clerks will be primarily focused on helping customers member.

It is an object of the present invention to meet the needs of bank customers and non-customers by allowing 24 hour access to information and transactions at the local branch level. Another object of the present invention is to provide a user who is not a customer the ability to establish a banking relationship by accessing and operating a PBM.

It is an object of the present invention to provide users with information about bank savings accounts, loans and home banking, related travel services. Internet-based information is also available. Demonstrations of various banking products and services may also be provided by the present invention.

It is an object of the present invention to allow a user who is a bank customer to perform banking transactions such as obtaining checks, bank credit cards, opening and changing bank accounts. Additionally, the present invention allows users to perform Internet-based banking transactions.

It is an object of the present invention to provide this information and allow such transactions to be performed without the need for a customer service representative during peak or off-peak hours.

To achieve the above and other objects of the present invention, as embodied and described below, the present invention includes a method for enabling a user to obtain financial information and perform banking transactions by allowing the user to access the PBM through a user interface that automatically prompts The user enters user identification data. After the user enters such identification data, the interface sends the data to a remote processing unit having a database where the data is checked and it is automatically determined whether the user is an existing account holder or a non-customer. The remote processing unit then sends the database information to the user interface, based on which a menu of functions is displayed for selection by the user. The user interface then prompts the user to enter data for the selected function, which is then executed by the PBM.

Other objects, advantages and novel features of the present invention will be partly given in the following description, and partly will become apparent to those of ordinary skill in the art after studying the present invention or learning the practice of the present invention.

Brief description of the drawings

In the attached picture,

Fig. 1 has shown the general view of the PBM workstation of an embodiment of the present invention;

Figure 2 shows a right-centre view of the PBM of one embodiment of the present invention;

Fig. 3 is the block diagram of the tool functional group of an embodiment of the present invention;

Figure 4 is a block diagram of the transaction tool functionality of one embodiment of the present invention;

Fig. 5 is a flowchart of the process steps of a user accessing PBM with a bank credit card according to an embodiment of the present invention;

FIG. 6 is a flow chart of process steps for a user to access a PBM through a touch screen according to an embodiment of the present invention;

Fig. 7 is a flow chart of the process steps of a user accessing PBM with a bank credit card issued by another banking institution according to an embodiment of the present invention;

Figure 8 is a flowchart of the process steps for opening an account according to one embodiment of the present invention;

Figure 9 is a flowchart of process steps for obtaining a check from a PBM, one embodiment of the present invention;

Figure 10 is a flowchart of the process steps for obtaining a bank credit card from a PBM, one embodiment of the present invention;

Figure 11 shows the touch screen portion of the PBM user interface of one embodiment of the invention;

Figure 12 shows a screen prompting the user to select a PBM banking service according to one embodiment of the present invention;

Figure 13 shows a screen with a graphical user keyboard of one embodiment of the present invention;

Figure 14A shows a screen for opening an account according to one embodiment of the present invention, wherein the screen includes a graphical user keypad for entering user personal information;

Figure 14B shows a screen for opening an account according to one embodiment of the present invention;

Figure 14C shows a screen allowing the user to select the type of account to open, in accordance with one embodiment of the present invention;

Figure 14D shows a screen with an image of a customer service representative appearing, according to one embodiment of the present invention;

Figure 14E shows a screen allowing the user to select an account from which to transfer money to a new account, in accordance with one embodiment of the present invention;

Figure 14F shows the account agreement and user signature of one embodiment of the present invention;

Figure 14G shows a screen showing successful completion of account opening, according to one embodiment of the present invention;

Figure 15A shows a screen presenting the customer with the option to select different types of checks according to one embodiment of the present invention;

Figure 15B shows the Start Check screen of one embodiment of the present invention;

Figure 15C shows an embodiment of the present invention that initiates a check and notifies the user of the status of the request;

Figure 15D shows a replenishment check screen of one embodiment of the present invention;

Figure 15E shows a supplemental check according to one embodiment of the present invention and shows various options for performing or completing the supplemental check function;

Figure 15F shows the screen that appears after the customer has chosen to print supplemental checks, according to one embodiment of the present invention;

Figure 15G shows the Teller's Check screen of one embodiment of the present invention;

Figure 15H shows a teller's check in accordance with one embodiment of the present invention and demonstrates various options for performing or completing a teller's check function;

Figure 15I shows the screen that appears after the customer has chosen to print a teller's check, in accordance with one embodiment of the present invention;

Figure 16A shows the screen that appears after the customer chooses to obtain a bank credit card according to an embodiment of the present invention;

Figure 16B shows the image of the customer's bank credit card before being accepted;

Fig. 16C shows a graphic keyboard and sub-windows for inputting information with a bank credit card function according to an embodiment of the present invention;

Figure 16D shows a screen informing the customer that a bank credit card is currently being generated within the PBM, in accordance with one embodiment of the present invention;

Figure 16E shows a screen notifying the customer that the bank's credit card is ready to be issued from the PBM, in accordance with one embodiment of the present invention;

Figure 17 shows a PBM screen displaying an Internet website address of one embodiment of the present invention; and

Figure 18 illustrates a PBM screen displaying visual presentations of banking products and services, according to one embodiment of the present invention.

PBM is a self-service method and device that provides relevant information and transaction devices such as bank credit cards, personal checks and bank drafts to customers and non-customers.

The PBM is also a sit-down terminal that is partially enclosed for privacy and can be used by up to two users sitting side by side with easy viewing of the screen. It is located in a 24-hour accessible environment or within the restricted service area of a bank branch.

The present invention includes a method and system for a user to obtain financial information and perform banking transactions by first accessing a user interface, including using a terminal or bank credit card reading device. The present invention also provides the user with the ability to register as a banking customer, thereby establishing a banking relationship. Accordingly, the user interface automatically prompts the user to enter the user's identifying data. There is provided a device for entering user identification data, wherein such device comprises a touch screen or a bank credit card reader. The data includes the user's personal information, including the user's personal identification number (PIN). The information encoded on the user's bank credit card can be entered through the card reader. Therefore, bank credit cards can be of various types, including credit cards, payment cards, smart cards, and the like.

This data is automatically transmitted to a remote processing unit of the financial institution, which has a database including banking product, service and customer information. The remote processing unit automatically checks the user identification data and determines whether the user is a customer or a non-customer. The remote processing unit then automatically transmits the relevant financial institution database information to the user interface, which automatically displays a menu of functions. The user is then prompted to select a feature. The user interface automatically prompts the user to enter data for the selected function, the user then enters data related to the selected function, and the PBM executes the selected function. Once the transaction is complete, the user returns to the main menu, selects another transaction tool function, information tool function or further exits PBM.

The user interface prompts the user for additional information. This additional information is related to the specific function selected. For example, under the loan facility function, the user is asked to provide her preferences for the type of loan she desires, such as auto or home equity, and the length of the repayment period. In another example, in the personal check tool function, the user is prompted to select an aesthetic design for her personal check.

PBM hardware is designed and constructed to allow users to access the bank's computer network, systems, transaction and information tools. PBM is an automated banking and information system that enables customers and non-customers to perform banking transactions and obtain information on banking products and services without having to deal face-to-face with a bank customer representative. The PBM includes a terminal connected to a remote processing unit where a user inputs, receives and displays data. It also includes a bank credit card reading device connected with the terminal for obtaining user information. Even in the current technologically advanced world, personal signatures are still considered the primary evidence of a contract, such as the start of a new banking relationship, and a means of personal identification. Therefore, a signature input device connected to a terminal for recording and checking user's identification information is included in the PBM.

The PBM has several devices that give the system the ability to serve users immediately. The system has at least one printing device connected to the terminal for printing banking and transaction information and summaries. In addition, at least one drop box is included in the terminal, and the drop box has a socket for receiving user personal information, savings and bank correspondence. Contained within the terminal is at least one check storage unit for storing checks prior to distribution. At least one paper tray is connected to a check printing device for supplying paper for checks to be printed, wherein at least one check printing device is installed in the terminal and connected to the terminal. And, at least one check dispensing device is connected to the check printing device for ejecting a check upon a user request for such a check.

In addition, the system uses a modem connected to the terminal to access the Internet and a two-way video conferencing unit connected to the terminal for communication with a bank customer representative.

The PBM unit is designed to be easily accessible both physically and functionally, for example, to be physically easy to enter and exit a seat, functionally with a menu screen design. The physical embodiment of the PBM consists of a seating unit attached to the terminal, allowing two individual users to sit side by side to view and interact with the user interface, including its terminal and touchscreen. Also, an audio speaker connected to the terminal is included so that the user can hear sounds associated with information and transaction functions. At the same time, ensure visual and auditory privacy, especially for those parts related to personal transactions. The PBM is also designed to be suitable for placing two units back-to-back and still ensure the privacy of users operating simultaneously.

The PBM invention includes methods to facilitate user contact with the PBM either through a card reading device or through a touch screen device. The first visual screen welcomes the user and explains and shows how to use the PBM. The PBM determines the identity of the user based on user identification data read directly from the card reading device or manually entered through the touch screen. If the user is an existing banking institution customer, the user's identification data is checked by the remote processing unit. After checking, the main menu is displayed, at which point the user can access both information tool functions and transaction tool functions. If the user is a non-customer, she will only have access to the information tool functionality unless she starts a new relationship with the financial institution.

Display information using high-quality graphics on the touch screen, allowing the user to navigate among various functions, and at the same time, providing the user with a comprehensive overview of specific products and services offered through PBM without requiring the user to leave her current location Information. The invention is also a self-service transaction method and equipment. The user interface design is "wrapper" style and feels like a touch screen display. The PBM is located at a local branch location, but is not limited to it.

The user is identified and verified by the PBM, and if the user is an existing customer, by the remote processing unit. The touch screen buttons are displayed. Clients select Information and Trading Tools functions from the main menu. If the user is a non-customer, he can only access information functions, unless he has established a financial relationship with a banking institution, in which case transaction functions are also accessible.

There are two types of PBM users. Includes existing bank customers (bank credit card holders, savings account holders, etc.) and non-customers (potential customers). This division defines access to available technologies and the types of information to be accessed.

Before performing obtaining banking related information or performing a transaction, the user interface prompts the user to select one from the group of transaction functions and information functions. Next, the selected function is displayed on the user interface.

In terms of transaction functions, the user further selects one from the group of requesting a personal check, supplementary check, cashier's check, bank credit card, opening a new account, modifying an account, accessing the Internet, and requesting a video or graphic presentation. These features give users unprecedented opportunities to enter and conduct banking-related transactions on their own, which can currently only be done with the help of a customer service representative.

PBM is a computerized security system that allows a user to provide, request changes and confirm her PIN by entering it into a user interface which automatically sends the PIN to the remote control unit and then automatically registers it in the database the PIN. The remote processing unit also checks for existing PINs.

When a user requests a bank credit card or bank account modification, the user interface automatically prompts the user to enter the user's signature into a signature recording device. If the user is a non-client, the remote processing unit automatically updates the database identification data. If the user is an existing bank customer, the remote processing unit checks the user's signature.

PBM includes capabilities that allow users to request and receive assistance from bank service representatives. This feature ensures that the user can access and perform any of the provided functions of the PBM system if the user encounters a problem, simply wishes to be clear about the operation of the PBM, or needs additional information about the banking product or service. Customers and bank service representatives are connected via two-way video conference and/or telephone.

After executing the selected transaction, the PBM can generate an output. The output includes at least one of the group of personal checks, supplemental checks, cashier's checks, bank credit cards, activity summaries, reports, and information obtained from the Internet.

The method and system also includes the user interface prompting the user to select from a set of transaction functions, such as requesting a personal check, replenishing a check, cashier's check, bank credit card, opening a new account, modifying an account, accessing the Internet, and requesting a demo out a step. The user then selects a function, after which the user interface displays the selected function.

In one embodiment of the invention, after the main menu is displayed, the customer is prompted to select the type of check she would like to receive, ie, personal, supplemental or teller's. The customer can choose whether to have the check generated by the PBM and drawn at the time of the transaction or to have the check mailed to a specific address.

In another embodiment of the present invention, the transaction tool function method includes the step of selecting a function for obtaining personal checks. The user interface automatically displays the user's current address. The user interface automatically prompts the user to confirm or correct the user's current address. The correct address is transmitted from the user interface to the remote processing unit, which automatically checks the correct address. If the current address has been corrected, the remote processing unit automatically updates the database information. Database information is automatically sent to the user interface.

After these reconciliation and update steps, the user interface automatically prompts to see if she needs additional personal checks. If the user requests additional checks, the user interface automatically transmits the request for additional checks to the remote processing unit, which acknowledges the request and sends an acknowledgment to the user interface. At the user's option, an additional personal check is mailed to the user's home address or printed within the PBM and sent directly to the user.

The PBM displays the customer's current address, required reconciliation and the first check number that should be printed. After the information is checked, the checks are printed and the customer takes them out of the vending machine. Once the transaction is complete, the user returns to the main menu and selects another trading tool function, information tool function or further exit from the PBM.

Another embodiment of a transaction tool functionality method includes the step of selecting functionality for obtaining supplemental checks. The user interface automatically prompts the user to request a replenishment check. After receiving the check request, the user interface automatically sends the check request to the remote processing unit. The remote processing unit confirms the check request and sends a confirmation to the user interface, which automatically displays the user's current address. The user is then prompted to confirm or correct her current address. If the address is incorrect, the user enters a correct current address. The user interface automatically sends the current address to the remote processing unit, and the remote processing unit automatically checks the current address. If the current address has been corrected, the remote processing unit automatically updates the database information, and then the remote processing unit automatically sends the database user information to the user interface.

Additionally, the user is automatically prompted to select a style of supplemental check. The user views the displayed check styles and then confirms her selection or changes a previously selected style. And, the user confirms the check information, however, if the check information is incorrect, the user inputs corrected check information. The user is allowed to enter the first check number to be printed. The user interface automatically prompts the user to choose whether to have the check mailed to the user or to have the check printed and sent directly to the user.

Another embodiment of the transaction instrument function method includes the step of selecting a function for obtaining a teller's check. The user interface automatically prompts the user to enter payee identification information and check value. An image of the check is displayed, and the user interface automatically prompts the user to confirm the information displayed on the check. Once the user confirms that the check information is correct, it is automatically sent to the remote processing unit for verification.

If the information has been corrected, the remote processing unit automatically updates the database check information and then sends the database check information back to the user interface. The PBM automatically prints the check and sends it directly to the user along with an envelope and a receipt.

Another embodiment of the transaction instrument functionality method includes the step of selecting functionality for obtaining a bank credit card. The user interface automatically prompts the user to enter her signature into a signature recording device. Then, an image of a bank credit card including user identification data is displayed. The user is then prompted to confirm the data displayed on the bank's credit card. If the data on the bank's credit card is incorrect, the user enters the corrected user identification data. The correct bank credit card data is automatically sent to the remote processing unit which then checks this data and uses it to update the database. The bank credit card data is then sent back to the UI. PBM automatically prints bank credit cards and sends them directly to users.

In addition, the user interface prompts the user to enter additional or updated information, after which the PBM automatically stores the information on the bank credit card before issuing the bank credit card to the user.

After the main menu is displayed, the customer is prompted to select an account tools function that allows the user to open a new account or modify an existing account. This transaction tool function allows a non-customer to establish a new banking relationship with a banking institution.

Another embodiment of the transaction tool function method includes the step of selecting a function for opening a new account. The user interface automatically prompts the user to enter the user's identifying data. The user interface automatically prompts the user to enter her signature into the signature recording device. The user interface displays user identification data and asks the user to confirm the data. If the data is incorrect, the user enters corrected user identification data. The corrected user identification data is automatically sent to the remote processing unit, and the remote processing unit automatically updates the database identification data.

This embodiment includes a verification step that occurs after sending the information to the remote processing unit. This check also includes the step of accessing a non-bank remote processing unit database, such as a credit reporting agency database.

The user interface automatically prompts the user to select a method for funding the new account. The user then specifies a method of funding, such as: 1) an existing account, further including the step of the user entering user identifying data such as account information and a PIN, 2) bank credit cards, including bank credit cards issued by another financial institution , further including the step of the user inputting bank credit card data into the user interface, 3) cash, including inputting it into the user interface, and 4) checks. The selected funding method and amount are entered into the user interface. The user selects and confirms the selected source and amount of funds. Information about the selected source and amount is automatically sent to the remote processing unit, which automatically checks the selected cashless method and amount and automatically records the selected source and amount. The selected data is credited to the user's new account after being checked.

In another embodiment, the user is automatically prompted to choose to have their image captured by a camera, and if the user does choose to acquire an image, the image is automatically displayed to the user, wherein the user is then automatically prompted to accept or Retrieve the user image. The acquired images are automatically transmitted to the remote processing unit. The image is then automatically printed on a bank credit card which is then issued to the user. The user is also automatically prompted to provide additional personal information via the electronically captured user voice and automatically sent to the remote processing unit.

One embodiment of the transaction tool functionality method includes the step of selecting functionality for modifying an existing account. The user interface automatically prompts the user to request a change to her user identification data by entering the change into the user interface, and the user interface automatically displays the new user identification data. After confirmation of the change by the user, the user interface automatically sends the new user identification data to the remote processing unit, which checks the identification data and updates the database. Such update information is exchanged between the first account and the second account. The first account is a normal existing client account and the second account can be another existing client account or a non-client account. Such a non-client account may be an account established and maintained by another financial institution, such as a bank, investment management firm, or the like.

One embodiment of a transaction tool function method includes the step of selecting a function for accessing the Internet. The user interface automatically prompts the user to select Internet-based transaction information. The user interface automatically sends the request for Internet-based transaction information to the remote processing unit, and the remote processing unit automatically accesses the requested Internet-based transaction information. The remote processing unit then automatically sends the requested Internet-based transaction information to the user interface for display, and the user executes the Internet-based transaction. Types of Internet-based transactions include those involving paying, using, receiving, transferring or managing money or other financial instruments.

One embodiment of PBM associated with transaction tool functionality includes the use of digital or video cameras to capture user images. The PBM also includes a means for sending the user image to the remote processing unit.

One embodiment of the PBM associated with the transaction tool functionality includes the use of a microphone to capture the user's voice. The PBM also includes a means for sending the user's voice to the remote processing unit.

PBM allows users to access a wide range of banking-related information from banking databases and the Internet. The PBM method and system also includes steps and capabilities for a user to select from a set of information tool functions, and then the user interface displays the selected functions. After selecting an information tool function, the user is presented with a request option for assistance from a bank service representative to resolve any questions or clarify any information presented. Since one of the main functions of the information tool function is to improve non-customers' understanding of the bank's various products and services, it is very useful to provide non-customers with the opportunity to start a new relationship with the bank. Thus, the user interface automatically prompts the user to start a new relationship with the bank. This new relationship usually includes opening a bank account. Once a user becomes a customer, she can begin access to a full range of banking products and services.

One embodiment of the information tool function includes the step of selecting bank savings account information. The user interface automatically prompts the user to select savings information and automatically sends a request for savings information to the remote processing unit, which then automatically sends the savings information to the user interface. The user interface then prompts the user to request receipt of printed savings information, which is printed and sent directly to the user.

In another embodiment of the present invention, the information tool function includes the step of selecting bank savings loan service information. The user interface automatically prompts the user to select loan service information, and automatically sends a request for loan service information to the remote processing unit, and the remote processing unit then automatically sends the requested loan service information to the user interface. PBM allows users to obtain printed lending service information. When the user requests printed lending service information, the PBM prints the information and sends it directly to the user interface.

One embodiment of the information tool functionality method includes the step of selecting home banking product and service information. The user interface automatically prompts the user to select home banking product and service information. Once selected, the user interface automatically sends a request for home banking product and service information to the remote processing unit, which automatically sends the home banking product and service information to the user interface. Users have the opportunity to receive printed home banking product and service information. PBM prints home banking product and service information and sends it directly to users.

One embodiment of the information tool functionality method includes the step of selecting travel service account information. The user interface automatically prompts the user to select travel service information. After being requested, the user interface automatically sends the request to the remote processing unit, and the remote processing unit automatically sends the requested travel service information to the user interface. The user interface automatically prompts the user to request to receive printed travel service information. The PBM prints the requested travel service information and sends it directly to the user.

In another embodiment of the information tool functionality method of the present invention, the PBM provides users with the ability to access Internet-based information. The user interface automatically prompts the user to receive Internet-based information. If requested, the request is automatically sent to the remote processing unit, which then automatically accesses the requested Internet-based information. Sends Internet-based information to the user interface and displays it. PBM allows users to choose to receive printed Internet-based information directly.

One embodiment of the information tool functionality method includes the step of selecting a video or graphical presentation of banking products and services. In the event that the user desires a video demonstration, the user selects a function wherein the user interface automatically prompts the user to request such a demonstration, and then automatically proceeds to display the demonstration. The user interface automatically sends a request for a video presentation to the remote processing unit, which then sends the video presentation to the user interface.

When the user selects a graphical presentation, the user interface automatically displays a graphical presentation. The user interface automatically sends the request for the graphical presentation to the remote processing unit, and the remote processing unit automatically sends the graphical presentation to the user interface. PBM allows the user to receive a selected frame from a graphical presentation, which is then printed and sent directly to the user.

And, a CD ROM driver is installed in the terminal and connected to it, so as to provide reading of information products and service data based on the terminal locally.

The PBM system and method will be described in detail below through flowcharts and user interface screen examples.

Figure 1 shows the overall structure of the PBM system. As shown in FIG. 1, a PBM workstation 1 of an embodiment of the present invention includes a distribution slot 2 for checks, money orders, receipts and printouts. The PBM has a camera/speaker compartment 3 . The bank credit card distribution slot 4 is used to distribute the cards produced and issued by the PBM. The drop box deposit device 5 allows the user to place deposits directly into the PBM. The signature stylus 6 and digital signature pad 7 enable the PBM to obtain the user's signature. Included in the PBM is a card reader slot 8 for reading encoded user bank credit card information. The PBM has a Windows based user interface touch screen 9 which allows the user to perform transaction functions and obtain banking and related product information.

Figure 2 presents an overall view of the PBM workstation 1 showing its dimensions relative to the user's two chairs.

Figure 3-4 contains a block diagram of the PBM functionality.

Figure 3 shows a block diagram of the two sets of tool functions performed by the PBM. From the main menu 10 the user makes a selection from either the transaction tools function 11 or the information tools function 12 . The transaction tool includes functions for check 13, bank credit card 14, account 15, Internet 16, presentation 30 and loan transactions. Information tools functions include saving 19, lending 20, home banking 21, travel 22, internet 23 and presentation 24 information.

Figure 4 shows the transaction tool 11 functions, where the check function 13 also includes functions for obtaining personal 25, exchange 26 and teller 27 checks. Account 15 functions include functions that allow opening a new account 28 and modifying account information 29a. The demo 30 function enables users to obtain video 30 or graphical 31 demonstrations of banking products and services.

5-10 contain flowcharts of methods of performing system transactions.

Figure 5 shows a flow chart of the process steps for processing a user with an existing account at the bank who chooses to access the PBM with a bank credit card. An initial screen 32 welcomes the user to the bank and PBM. The user is prompted 33 to insert her bank credit card into the card reader. Information about the user is automatically obtained from the customer database 34 . The user is then prompted to select a service 35 that includes various transaction and information functions, such as opening an account 28, getting a check 13, getting a bank card 14. The user modifies account information, eg changes her address record 29b. Loans 18 and credit card applications 18 can be selected and completed. Internet access 16 to banking product information and video or graphic demonstrations 30 of banking products and services may be selected.

Figure 6 shows a flowchart of the process steps for a user who has an existing account with the bank and chooses to access the PBM via the touch screen. From welcome screen 32, the user touches screen 36 to initiate access to the PBM. The user is prompted to enter information 37, such as a name. This information is passed to the customer database 34 and checked. The PBM then automatically determines whether the user is an existing bank customer 38 . If the user is not, she is prompted to choose a service 35 . The service includes demo 30, opening an account 28 or accessing the Internet 16 to obtain information about banking products or services. If the user is an existing customer, she is prompted to select a service 35 available to customers with existing banking accounts. Through this, customers perform various banking transactions and obtain information about banking products and services.

Figure 7 shows a flowchart of the process steps for a user who has or does not have an existing account with a bank, but chooses to access the PBM with a bank credit card issued by another banking institution. After the initial presentation of the welcome screen 32, the user inserts 39 her bank credit card reader into the bank credit card reader. The PBM automatically checks the customer database 34 to determine if the information read from the customer's bank credit card is that of an existing customer. If the user is not an existing customer, the PBM automatically prompts her to enter information 37 via the touch screen. The non-customer is then prompted to select a service 35 including a demo 30, opening an account 28 or accessing the Internet 16 to obtain information about banking products or services. After the non-client has accessed a particular service, she can select another service 40 during her PBM session. If the user is an existing customer, she is prompted to select a service 35 available to customers with existing banking accounts. Thus, PBM allows both existing customers and non-customers to access the functions of PBM.

Figure 8 shows a flowchart of the process of opening an account. An existing banking customer begins 41 the process by selecting the open account function 28 . The customer is then prompted to enter her PIN42. A non-customer begins 41 the process by being prompted and entering personal information 43 such as address, phone, social security and driver's license information. The PBM automatically checks the customer PIN or enters the information 44 . This information is checked by accessing the customer database 34 and/or other customer/non-customer background databases 45 . Such other databases 45 may include, but are not limited to, credit report files and public records. If the PIN/data is invalid 46, the customer is notified of the PBM receipt or negative reconciliation result 47 with incomplete information. In this case, the customer may be prompted to select a new service 40 .

If the PIN/data is valid, the customer is prompted to select an account type 48 . The customer is then prompted to select a deposit method 49 . Customers can also call a customer service representative for assistance 50. Selected deposit methods include use of a bank credit card 51 , electronic transfer of funds 52 from another account, and depositing a check 53 . Check 54 customer loan/deposit information by electronically accessing a database or data storage center or facility 55 . If the deposit is successful 56, the customer is prompted to sign the account banking agreement 58 with the stylus 6 and signature pad 7. The customer then selects a new service 40 . If the deposit is unsuccessful, the customer is notified 57 of the reason why the deposit was not accepted.

Figure 9 shows a flowchart of the process of obtaining a check from a PBM. An existing banking customer starts 41 the process by selecting the check function 13 . The PBM automatically determines whether the customer has entered her PIN 59. If the customer has not already entered, she is prompted to enter her PIN, which is automatically checked 60 by accessing customer information stored in the customer database 34 . If the PIN is invalid, the customer can select a new service 40 . When the PBM has received a valid PIN, the customer is prompted to select 62 the type of check she would like to be distributed. Check types include starter 25 , supplement 26 and teller 27 . After check selection, the customer is prompted to select a new service 40 .

Figure 10 shows a flowchart of the process of obtaining a bank credit card from a PBM. An existing banking customer starts 41 the process by selecting the bank credit card function 14 . The PBM automatically determines whether the customer has entered her PIN 59. If the customer has not already entered, she is prompted to enter her PIN, which is automatically checked 60 by accessing customer information stored in the customer database 34 . If the PIN is invalid, the customer can select a new service 40 . When the PBM has received a valid PIN, it automatically determines whether a customer signature has been obtained 63 . If a signature has been obtained in advance, the bank credit card with the customer's signature 66 is printed and the customer is prompted to select a new service 40 . If a signature has not been obtained, the customer is asked to sign her name 64 using the signature marker 6 and the signature pad 7 . Once the user's signature has been obtained, she is prompted to accept the written signature 64 . If the customer does not accept the signature, she is prompted again to sign her name again. When the customer accepts the signature, the bank credit card with the customer's signature 65 is printed and the customer is then prompted to select a new service 40 .

11-8 contain examples of window-based PBM screens for the PBM of the present invention.

Figure 11 shows the PBM touchscreen 100 portion of the user interface. This screen welcomes the user to the PBM. The screen contains several tool function buttons, including "Open Account" 101, "Get Checks" 102, "Get Seatel Card" 103, "Change Address" 104, "About Seatel Bank" 105, "About PC Banking" 106 and "Exit" 107. Screen 100 prompts the user to insert her bank credit card, eg ATM card, credit card, etc. The screen 100 also includes a "hot spot" 108, which is a portion of the touch screen 100 that allows the user to access PBM services without using a bank credit card.

Figure 12 shows a screen 110 prompting the user to select a PBM service.

Figure 13 shows a screen 120 in which the user is presented with a graphical keyboard allowing the user to enter their name in several sub-windows 122 that appear on the screen.

14A-14G show PBM screens 130-190 related to opening a bank account.

FIG. 14A includes a keypad that allows the user to open a bank account by entering personal information in several sub-windows 131 of the touch screen 130 . This personal information, such as name, address, business phone, driver's license, etc., allows the banking institution to establish customer information to be stored in the customer database. The screen also includes textual annotations that provide direct guidance to the user to assist her in entering information and making decisions regarding selection and use of PBM functions.

Figure 14B also involves opening a banking account. Prompt the user to check the requested information. Once the entered information is verified by the user, the PBM screen prompts the user to proceed to the next screen by pressing the "Next" button 141 .

Figure 14C shows a screen 150 that allows the user to select the type of account she would like to open. The screen includes a subwindow showing the types of accounts available, including checking 152 , savings 153 and CD 154 . The screen also prompts the user to deposit money into the new account via the "Yes" 155 and "No" 156 buttons. The screen also includes a "Call Customer Service" button 157 that allows the user to request and contact a customer service representative for assistance or information on banking products and services.

Figure 14D shows a screen 160 where a customer service representative has been requested and contacted. The representation appears in a video subwindow 161 . When the user completes her request for assistance from a representative, the user simply presses the "Hook" button on the touch screen 162 .

Figure 14E shows a screen 170 that appears after the user has selected to deposit money into the new account. This screen includes a keypad 121 and subwindows that the user uses to enter the source of money and related account information. In this particular screen, according to the user's selection of "Bank Account" on the screen, "Transfer from" 171 and "Bank Account Information" 172 sub-windows appear. If the user has selected a bank credit card or charge card as the transfer source, a related subwindow opposite the "Bank Account Information" subwindow 172 will appear. The screen also includes a "Call Customer Service" button to request assistance from a customer representative.

Figure 14F shows the obtained user signature. Screen 180 shows the customer account agreement while prompting the customer to provide her signature to indicate her acceptance of the agreed payment. As shown in FIG. 1 , the user provides her signature via the signature stylus 6 and the signature pad 7 . The user signature 181 appears on the screen. The user is also prompted to re-sign or accept the written signature via the "Re-Sign" 182 and "Accept Signature" 183 buttons.

Figure 14G shows the user successfully completing account opening. The user is prompted to receive a record of an account opening transaction, obtain a bank credit card or obtain a check. The user accepts or rejects these choices by pressing a "Yes" 191 or "No" 192 button provided on the screen. When the user finishes opening the account, she selects the "Finish" button 193 to continue selecting additional PBM services.

Figures 15A-15I 200-280 show screens for selecting the PBM check function.

FIG. 15A shows a screen 200 that allows the customer to select a "starter check" 201 , a "replenishment" 202 and a "cashiers check" 203 . The customer is prompted to select the desired check type. Provide textual annotations to help the customer complete her check transaction.

Figure 15B shows a start check 211. Screen 210 also includes "Print" 212 and "Done" 213 buttons that allow the user to print the requested opening check and complete the check transaction.

Figure 15C shows a starting check 211, along with a textual note notifying the user of the status of her request. The user is also prompted to press a "Done" button 221 after receiving the check.

Figure 15D shows a supplemental check 231. Screen 230 includes a subwindow 232 that allows the customer to select the starting check number for the supplemental check. The desired starting check number is entered via the graphical user keypad 121 also displayed on the screen.

Figure 15E shows a refill check 231 while prompting the customer to revise the entered information, print the check or complete the transaction. The "Edit" 241, "Print" 242 and "Done" 243 buttons allow the customer to respond to the PBM prompt.

Figure 15F shows a screen that appears after the customer has chosen to print supplemental checks 231. The user is also prompted to press the "Done" button 251 after she receives the check.

Figure 15G shows a cashier's check 261. Screen 260 includes a graphical user keyboard 121 for entering subwindow 262 pertinent check information, such as amount, payee, etc.

Figure 15H shows a teller's check 261 while prompting the customer to correct input information, print the check or complete the transaction. The included "Edit" 271, "Print" 272 and "Done" 273 buttons allow the customer to answer the PBM prompt.

Figure 15I shows a screen that appears after the customer has chosen to print a teller's check 261. The customer is also prompted to press a "Done" button 281 after the check has been received.

Figures 16A-16E show PBM screens 290-330 for selecting a PBM Bank credit card, eg, Seat card function.

Figure 16A shows a screen 290 that appears after the customer elects to obtain a bank credit card. The customer is prompted to "touch here" 291 for printing and distribution of the PBM generated bank credit card.

Figure 16B shows the image of the customer bank credit card 301 before it is accepted by the customer. The customer's signature is also shown on the bank's credit card. The customer is then prompted to accept the signature by pressing the "Touch Here" button 302 or to re-sign by selecting the "Retry" button 303 .

Figure 16C shows a graphical keyboard 311 with a subwindow 312 for displaying customer input data and/or confirming such data. The screen also displays textual instructions to assist the customer in entering and selecting a PIN.

Figure 16D shows a screen 320 notifying the customer that the PBM is printing her bank credit card.

FIG. 16E shows a screen 330 informing the customer that her bank credit card has been issued from the bank credit card slot 4 of FIG. 1 . After the customer removes the bank credit card from the PBM, she presses the displayed "touch here" 331 button to proceed with other PBM tool functions.

Figure 17 shows a PBM screen 340 displaying Internet web addresses. This screen displays information about PBM banks. As shown, the customer has selected the Internet Tools function 16 of FIG. 3 by pressing the "About Bank" button 105 . PBM's ability to access the Internet enables PBM users to obtain a wealth of information related not only to banking products and services but to the bank as an institution, as well as other banking-related Internet sites.

FIG. 18 shows a PBM screen 350 displaying a video presentation 30 . This screen presents video graphic information 351 about banking products and services. A "next" button 352 is included to allow the user to continue to obtain additional information.

Embodiments of the present invention satisfying the above objects have been described above. It should be understood that these examples are for illustrative purposes only and will be apparent to those of ordinary skill in the art from consideration and practice of the invention.

Claims (93)

1. method that makes the user obtain Financial Information and carry out banking transaction comprises:

Visit a user interface;

The user is registered as a bank client;

User interface automatically prompting user input user identification data;

User interface is accepted user identification data;

The interface sends to a remote processing unit with database automatically with user identification data;

Remote processing unit determines automatically whether the user is a non-client;

Remote processing unit sends to user interface automatically with database information;

User interface shows a function menu automatically;

The user interface automatically prompting user is selected a function;

User interface is accepted the information about selected function from the user; And

User interface is carried out selected function.

2. the method for claim 1, wherein the user is a non-client.

3. the method for claim 1, also comprise: user interface prompt user imports additional information; And user interface is accepted additional information.

4. method as claimed in claim 3 also comprises:

Check user identification data by visiting at least one non-banking remote processing unit database.

5. the method for claim 1, wherein the user selects also to comprise:

User interface prompt user selects one from the group that comprises trading function and informational function;

User interface is accepted selected function; And

User interface shows selected function.

6. method as claimed in claim 5, wherein, if selected a trading function, then the user is further from comprising the request personal cheque, replenish check, teller's check, bank card, offer an account, revising account, an access the Internet and ask and select one the group of a demonstration.

7. method as claimed in claim 5, wherein, if selected an informational function, then the user further selects one from the group that comprises savings, debt-credit, home banking, tourism, the Internet and demo function.

8. method as claimed in claim 6 also comprises:

The user interface automatically prompting user is imported into signature recording unit with her signature;

The signature recording unit is accepted the signature of user's input;

User interface explicit user recognition data;

The user interface automatically prompting user is confirmed shown data;

User interface is accepted the affirmation of user to shown data;

If data are incorrect, user interface is accepted the user identification data of the correction of user's input; And

Remote processing unit is new database recognition data more automatically.

9. the method for claim 1 also comprises:

The selection of user interface automatically prompting user will be deposited in the source of the fund of a user account;

User interface is accepted the source of fund that the user selects;

User interface is accepted the amount of funds that the user selects;

The user interface automatically prompting user is confirmed selected source and quantity;

User interface is accepted the affirmation of user to selected source and quantity;

User interface sends to remote processing unit automatically with selected source and quantity;

Selected source of remote processing unit mechanical check and quantity;

Remote processing unit is selected source of record and quantity automatically; And

The quantity of being asked is charged to a user account.

10. method as claimed in claim 9, wherein, source of fund comprises:

Comprise at least one in the group of non-customer bank account, existing bank account, bank card, cash or check.

11. the method for claim 1, wherein automatically prompting user is selected so that obtain their photo by camera;

If selected, then image is shown to the user automatically;

User's image is accepted or regained to automatically prompting user then; And

If accept, image sent to remote processing unit automatically.

12. method as claimed in claim 11, wherein, described selected image is printed on the bank card automatically, and bank card is sent to the user subsequently.

13. the method for claim 1, wherein automatically prompting user provides other personal information by user's sound.

14. method as claimed in claim 13, wherein, user voice is obtained by electronics, and sends to remote processing unit automatically.

15. a method that makes the user obtain Financial Information and carry out banking transaction comprises:

Visit a user interface;

User interface automatically prompting user input user identification data;

User interface is accepted user identification data;

The interface sends to a remote processing unit with database automatically with user identification data;

Remote processing unit mechanical check user identification data;

Remote processing unit determines that automatically the user is a client or a non-client;

Remote processing unit sends to user interface automatically with database information;

User interface shows a function menu automatically;

The user interface automatically prompting user is selected a function;

User interface is accepted the information about selected function from the user; And

User interface is carried out selected function.

16. method as claimed in claim 15, wherein, accessing step comprises terminal of use.

17. method as claimed in claim 15, wherein, user interface comprises a bank card fetch equipment.

18. method as claimed in claim 15, wherein, user identification data comprises user's personal information.

19. method as claimed in claim 18, wherein, the customer identification number data comprise personal identity number.

20. method as claimed in claim 15, wherein, database comprises bank product, service and user profile.

21. method as claimed in claim 15 also comprises: user interface prompt user imports additional information; And user interface is accepted additional information.

22. method as claimed in claim 15, wherein, the user selects also to comprise:

User interface prompt user selects one from the group that comprises trading function and informational function;

User interface is accepted selected function; And

User interface shows selected function.

23. method as claimed in claim 22, wherein, if selected a trading function, then as client's user further from comprising the request personal cheque, replenish check, teller's check, bank card, offer an account, revising account, an access the Internet and ask and select one the group of a demonstration.

24. method as claimed in claim 23, wherein, the step of selecting to be used to obtain the function of personal cheque comprises:

The user interface automatically prompting user is to the request of personal cheque;

User interface will send to remote processing unit automatically to the request of personal cheque;

Remote processing unit is confirmed this request to personal cheque, and an affirmation is sent to user interface;

The current address of the automatic explicit user of user interface;

User's current address is confirmed or corrected to the user interface automatically prompting user;

If the address is incorrect, user interface is accepted the current address of user's correction;

If the address is corrected, user interface sends to remote processing unit automatically with the current address of correcting;

User interface sends to remote processing unit automatically with the current address;

Remote processing unit mechanical check current address;

If the current address is corrected, remote processing unit upgrades database information automatically;

Remote processing unit sends to user interface automatically with database information;

The user interface automatically prompting user selects to make check to be posted to the user or check is printed and directly issues the user; And

If selected the distribution check, then print and distribute check.

25. method as claimed in claim 23, wherein, the step of selecting to be used to obtain to replenish the function of check comprises:

The user interface automatically prompting user is to replenishing the request of check;

User interface will send to remote processing unit automatically to the request of check;

Remote processing unit is confirmed this request to check, and an affirmation is sent to user interface;

The current address of the automatic explicit user of user interface;

The user interface automatically prompting user is confirmed or the correction current address;

If the address is incorrect, user interface is accepted the current address of user's correction;

If the address is corrected, user interface sends to remote processing unit automatically with the current address of correcting;

User interface sends to remote processing unit automatically with the current address;

Remote processing unit mechanical check current address;

If the current address is corrected, remote processing unit upgrades database information automatically;

Remote processing unit sends to user interface automatically with database user information;

The user interface automatically prompting user selects to replenish a style of check;

User interface is accepted the affirmation to selected check style;

An image that shows check;

The information that the affirmation of user interface automatically prompting user shows on check;

If check information is incorrect, user interface is accepted the check information of user's correction;

If selected check style is incorrect, user interface is accepted the check style of user's correction;

First check number that the input of user interface automatically prompting user will be printed;

The user interface automatically prompting user selects to make check to be posted to the user or check is printed and directly issues the user; And

If selected the distribution check, then print and distribute check.

26. method as claimed in claim 23, wherein, the step of selecting to be used to obtain the function of teller's check also comprises:

User interface automatically prompting user input payee's identifying information and a check quantity;

An image that shows check;

The information that the affirmation of user interface automatically prompting user shows on check;

If check information is incorrect, user interface is accepted the check information of user's correction;

User interface sends to remote processing unit automatically with check information;

Remote processing unit mechanical check check information;

Remote processing unit is new database check information more automatically;

Remote processing unit sends to user interface automatically with the database check information;

Printed checks, envelope and receipt; And

Distribution check, envelope and receipt.

27. method as claimed in claim 23, wherein, the step of selecting to be used to obtain the function of bank card also comprises:

The user interface automatically prompting user is imported into signature recording unit with user's signature;

The signature recording unit is accepted user's signature;

User interface shows an image of the bank card that comprises user identification data;

The user interface automatically prompting user is confirmed data presented on bank card;

If the bank card data are incorrect, user interface is accepted the user identification data of user's correction;

User interface sends to remote processing unit automatically with the bank card data;

Remote processing unit mechanical check bank card data;

Remote processing unit is new database bank card data more automatically;

Remote processing unit sends to user interface automatically with database bank card data;

Print bank card; And

The distribution bank card.

28. method as claimed in claim 27 also comprises:

User interface prompt user imports other or updated information;

User interface is accepted the information of input; And

Before the distribution bank card, information is stored on the bank card automatically.

29. method as claimed in claim 23 also comprises:

The user interface automatically prompting user is to changing the request of personal identity number;

If request changes, user interface is accepted user's new individual identifier;

The user interface automatically prompting user is confirmed new personal identity number;

If the user is a non-client, the prompting user selects people's identifier one by one;

User interface is accepted the personal identity number of user's input;

User interface is accepted the affirmation to selected personal identity number after having re-entered personal identity number;

User interface sends to remote processing unit automatically with personal identity number;

Remote processing unit is registered in personal identity number in the database automatically; And

Remote processing unit mechanical check personal identity number.

30. method as claimed in claim 23, wherein, demonstration comprises a video display.

31. method as claimed in claim 23, wherein, demonstration comprises a figure demonstrating.

32. method as claimed in claim 23, wherein, the step of selecting to be used to offer the function of a new account also comprises:

The user interface automatically prompting user is imported into signature recording unit with her signature;

The signature recording unit is accepted the signature of user's input;

User interface explicit user recognition data;

The user interface automatically prompting user is confirmed shown data;

User interface is accepted the affirmation of user to shown data;

If data are incorrect, user interface is accepted the user identification data of the correction of user's input; And

Remote processing unit is new database recognition data more automatically.

33. method as claimed in claim 32 wherein, also comprises visit non-banking remote processing unit database to checking of user identification data.

34. method as claimed in claim 32, wherein, the automatically prompting user selection obtains their photo by a camera;

If selected, then image is shown to the user automatically; And

User's image is accepted or regained to automatically prompting user then.

35. method as claimed in claim 34 wherein, sends to remote processing unit automatically with received image.

36. method as claimed in claim 34, wherein, described selected image is printed on the bank card automatically, and bank card is sent to the user subsequently.

37. method as claimed in claim 32, wherein, automatically prompting user provides other personal information by user's sound.

38. method as claimed in claim 37, wherein, user voice is obtained by electronics, and sends to remote processing unit automatically.

39. method as claimed in claim 23, wherein, the step of selecting to be used to offer an account's function also comprises:

The user interface automatically prompting user is selected a mode of providing with funds for new account;

User interface is accepted the mode of providing with funds that the user selects;

User interface is accepted the quantity of will providing with funds that the user selects;

The user interface automatically prompting user is confirmed selected mode and quantity;

User interface is accepted the affirmation of user to selected mode and quantity;

User interface sends to remote processing unit automatically with selected mode and quantity;

Selected mode of remote processing unit mechanical check and quantity; And

Remote processing unit is selected mode of record and quantity automatically.

40. method as claimed in claim 23, wherein, the step of selecting to be used to offer the function of a new account also comprises:

The user interface automatically prompting user is imported into signature recording unit with user's signature; And

The signature recording unit is accepted the signature of user's input.

41. method as claimed in claim 39, wherein, the mode of providing with funds comprises an existing account.

42. method as claimed in claim 41 comprises that also user interface accepts the step of user identification data, account information and quantity.

43. method as claimed in claim 39, wherein, the mode of providing with funds comprises a bank card.

44. method as claimed in claim 43 comprises that also user interface accepts the step of a bank card.

45. method as claimed in claim 39, wherein, the mode of providing with funds comprises cash.

46. method as claimed in claim 45 also comprises the step that user interface receives cash.

47. method as claimed in claim 39, wherein, the mode of providing with funds comprises a check.

48. method as claimed in claim 47 comprises that also user interface accepts the step of a check.

49. method as claimed in claim 23, wherein, the step of selecting to be used to revise an account's function also comprises:

The request that the user interface automatically prompting user is revised user identification data;

User interface is accepted the user identification data that the user changes;

The user identification data of user interface automatic display of new;

The user interface automatically prompting user is confirmed new user identification data;

User's input is to the affirmation of new user identification data;

User interface sends to remote processing unit automatically with new user identification data;

The user identification data that remote processing unit mechanical check is new; And

The new user identification data that remote processing unit will be checked sends to user interface automatically.

50. method as claimed in claim 49 also is included in the step of the fund of transmitting between first account and second account.

51. method as claimed in claim 50, wherein, first account is a clients' accounts, and second account is non-clients' accounts.

52. method as claimed in claim 23, wherein, the step that selection is used for the function of access the Internet also comprises:

The user interface automatically prompting user is selected the Transaction Information based on the Internet;

User interface is accepted the request of user for selected Transaction Information based on the Internet;

User interface will send to remote processing unit automatically to the request based on the Transaction Information of the Internet;

Remote processing unit is visited the Transaction Information based on the Internet of being asked automatically;

Remote processing unit sends to user interface automatically with the Transaction Information based on the Internet of being asked; And

User interface shows selected Transaction Information based on the Internet automatically; And

User interface is carried out the transaction based on the Internet.

53. method as claimed in claim 23 wherein, comprises also that to the selection of trading function user interface is prompted to request of user automatically and receives option from the help of a bank service representative.

54. method as claimed in claim 53 comprises that also user interface accepts the help about selected trading function from the bank service representative that the user asks; And

Connect the user to the bank service representative to get help.

55. method as claimed in claim 54 also comprises by the two-way video video conference connecting the user to the bank service representative.

56. method as claimed in claim 54 also comprises user and bank service representative use phone.

57. method as claimed in claim 15 also comprises producing an output.

58. method as claimed in claim 57, wherein, output comprise from comprise personal cheque, replenish check, the group of teller's check, bank card, movement summary, report, presentation information and the information that obtains from the Internet at least one.

59. method as claimed in claim 22, wherein, if selected an informational function, then the user further selects one from the group that comprises savings, debt-credit, home banking, tourism, the Internet and demo function.

60. method as claimed in claim 59, wherein, the user is a non-client.

61. method as claimed in claim 59, wherein, selected informational function comprises bank savings account information.

62. method as claimed in claim 61, wherein, the informational function of selecting to be used for savings account information also comprises:

The user interface automatically prompting user is selected deposit information;

User interface is accepted the selection of user to deposit information;

User interface will send to remote processing unit automatically to the request of deposit information; And

Remote processing unit sends to user interface automatically with deposit information.

63. method as claimed in claim 62 also comprises:

Whether the user interface automatically prompting user receives the deposit information of printing;

User interface is accepted the user to receiving the request of the deposit information of printing; And

User interface is printed deposit information.

64. method as claimed in claim 59, wherein, selected informational function comprises the bank debit and credit information on services.

65. as the described method of claim 64, wherein, the informational function of selecting to be used to borrow or lend money information on services also comprises:

The user interface automatically prompting user is selected the debt-credit information on services;

User interface is accepted the selection of user to the debt-credit information on services;

User interface will send to remote processing unit automatically to the request of debt-credit information on services; And

Remote processing unit will be borrowed or lent money information on services and send to user interface automatically.

66., also comprise as the described method of claim 65:

The user interface automatically prompting user receives the debt-credit information on services;

User interface is accepted the user to receiving the request of the debt-credit information on services of printing; And

User interface is printed the debt-credit information on services.

67. method as claimed in claim 59, wherein, selected informational function comprises home banking products ﹠ services information.

68. as the described method of claim 67, wherein, the informational function of selecting to be used for home banking products ﹠ services information also comprises the following steps:

The user interface automatically prompting user is selected home banking products ﹠ services information;

User interface is accepted the selection of user to home banking products ﹠ services information;

User interface will send to remote processing unit automatically to the request of home banking products ﹠ services information; And

Remote processing unit sends to user interface automatically with home banking products ﹠ services information.

69., also comprise as the described method of claim 68:

The user interface automatically prompting user receives the home banking products ﹠ services information of printing;

User interface is accepted the user to receiving the request of the home banking products ﹠ services information of printing; And

User interface is printed home banking products ﹠ services information.

70. method as claimed in claim 59, wherein, selected informational function comprises tourist service information.

71. as the described method of claim 70, wherein, the informational function of selecting to be used for tourist service information also comprises:

The user interface automatically prompting user is selected tourist service information;

User interface is accepted the selection of user to tourist service information;

User interface will send to remote processing unit automatically to the request of tourist service information; And

Remote processing unit sends to user interface automatically with tourist service information.

72., also comprise as the described method of claim 71:

The user interface automatically prompting user receives the tourist service information of printing;

User interface is accepted the user to receiving the request of the tourist service information of printing; And

User interface is printed tourist service information.

73. method as claimed in claim 59, wherein, selected informational function comprises the information based on the Internet.

74., also comprise as the described method of claim 73:

The request of user interface automatically prompting user is based on the information of the Internet;

User interface is accepted the user to the request based on the information of the Internet;

User interface will send to remote processing unit automatically to the request based on the information of the Internet;

Remote processing unit is visited the information based on the Internet of being asked automatically;

Remote processing unit sends to user interface automatically with the information based on the Internet of being asked; And

User interface shows selected information based on the Internet automatically;

The information that the request of user interface automatically prompting user is printed based on the Internet;

User interface is accepted the request based on the information of the Internet of user to receive printing; And

User interface is printed the information based on the Internet.

75. method as claimed in claim 59, wherein, selected informational function also comprises a video display.

76. as the described method of claim 75, wherein, the informational function of selecting to be used for video display also comprises:

The user interface automatically prompting user is selected a video display;

User interface is accepted the selection of user to video display; And

User interface shows selected video display automatically.

77., also comprise as the described method of claim 76:

User interface will send to remote processing unit automatically to the request of video display; And

Remote processing unit sends to user interface automatically with video display.

78. method as claimed in claim 59, wherein, selected informational function also comprises a figure demonstrating.

79. as the described method of claim 78, wherein, the informational function of selecting to be used for figure demonstrating also comprises:

The user interface automatically prompting user is selected a figure demonstrating;

User interface is accepted the selection of user to figure demonstrating; And

User interface shows selected figure demonstrating automatically.

80., also comprise as the described method of claim 78:

User interface will send to remote processing unit automatically to the request of figure demonstrating; And

Remote processing unit sends to user interface automatically with figure demonstrating.

81., also comprise as the described method of claim 78:

Whether the user interface automatically prompting user receives selected frame from figure demonstrating;

User interface is accepted the user to the selection from the frame of figure demonstrating; And

User interface is printed selected frame.

82. method as claimed in claim 59 wherein, selects informational function to comprise that also user interface is prompted to the option of request of user from the help of bank service representative automatically.

83. method as claimed in claim 59 also comprises producing an output.

84. as the described method of claim 83, wherein, output comprise with the group that comprises savings, debt-credit, home banking, tourism, the Internet and demo function at least one relevant information.

85. a system that makes the user obtain Financial Information and carry out banking transaction comprises:

Be used to visit the device of a user interface;

Make the device of user interface automatically prompting user input user identification data;

Be used to import the device of user identification data;

Make the interface that user identification data is sent to a device with remote processing unit of database automatically;

Make the device of remote processing unit mechanical check user identification data;

Make remote processing unit determine automatically whether the user is a non-client's device;

Make remote processing unit database information be sent to automatically the device of user interface;

Make user interface show the device of a function menu automatically;

Make the user select the device of a function;

Make the user interface automatically prompting user import the device of the data of selected function;

Make the user import the device of the data relevant with selected function; And

Make user interface carry out the device of selected function.

86. autobanking and infosystem make bank client and non-client carry out banking transaction under the situation of getting in touch Face to face with a bank client representative and obtain banking products ﹠ services information not needing, described system comprises:

A terminal that links to each other with remote processing unit is used for user's input, reception and video data;

A bank card arrangement for reading that links to each other with terminal is used to obtain user profile;

A signature input equipment that links to each other with terminal is used to write down and check user's identifying information;

At least one printing device that links to each other with terminal is used to print banking information and Transaction Information and summary;

At least one that is installed in the terminal thrown box down, has a socket that is used to receive userspersonal information, deposit and bank's mail;

Be installed at least one the check storage unit in the terminal, be used for before distribution, preserving check;

With at least one carton that a Check Printing equipment links to each other, be used to the check that to print that paper is provided;

Be installed in the terminal and at least one the Check Printing equipment that links to each other with terminal;

At least one the check discharge device that links to each other with a Check Printing equipment is used for ejecting check after the request of user to check;

Be installed at least one the bank credit card memory appts in the terminal, be used to preserve blank bank card;

One is installed in the terminal and the bank card printing device that links to each other with terminal;

At least one discharge device that links to each other with the bank card printing device is used to eject bank card;

Be installed in the terminal and the CD ROM driver that links to each other with terminal, be used for reading based on the terminal information products ﹠ services from a CD;

A modulator-demodular unit that links to each other with terminal is used for access the Internet; And

A two-way video conference device that links to each other with terminal is used for communicating with bank client service representative.

87., also comprise as the described system of claim 86:

A unit, seat that links to each other with terminal allows at least one user to sit down and checks terminal; And

An audio tweeter that links to each other with terminal makes the user can hear the sound that interrelates with information and trading function.

88. as the described system of claim 86, wherein, bank card also comprises smart card.

89., also comprise as the described system of claim 86:

A digital camera that is used to obtain user's image.

90., also comprise as the described system of claim 86:

A video camera that is used to obtain user's image.

91., also comprise as the described system of claim 85:

Be used for user's image is sent to the device of remote processing unit.

92., also comprise as the described system of claim 86:

A microphone that is used to obtain user voice.

93., also comprise as the described system of claim 85:

Be used for user voice is sent to the device of remote processing unit.

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