TW414877B - Negotiable instrument requesting and dispensing system and method - Google Patents

Abstract

The present invention provides a system and method for requesting and dispensing negotiable instruments such as bank checks, money orders, and traveler's checks. An instrument may be requested in this system and method by a bank customer from a telephone, a computer, a fixed-location dispenser, or a portable, hand-held dispenser that is in communication with a bank computer. This request may be made orally, using touch tones, or using data transmission over a communication network that may include telephone lines, two-way radio links, microwave links, satellite links, cellular telephone links, computer networks, and the Internet. After a request is processed and approved, the requested instrument may then be dispensed at any time in this system and method to the back customer or another party from any receive-only dispenser, fixed-location dispenser, or portable, hand-held dispenser that is also in communication with the bank computer.

Description

Patent application No. 87115829 A7 Chinese manual 倐 Front page (June 89) _B7_ -L 极 科 (5) '": ΐ

________: ―: ― Secondary: J The flowchart of FIG. 17 is a non-interactive mode used to display the request and distribution of payment instruments according to the present invention; and the flowchart of FIG. 18 is a collection-only method according to the present invention. The Distributor displays the authorized receipt for printing and distributing payment instruments. Explanation of Symbols of Schematic Elements 30 System 114 Microphone 32 Bank Computer 116 External Power Input 34 Bank Computer Terminal 118 Interface Connector 36 Bank Phone 120 Keyboard 40 Communication Network 12 138 Keys 42 Wireless Network 140 Display Screen 44 Customer Phone 142 Tool Supply 45 Customer computer 144 Battery 46 Dispenser only 146 Electronic device 48 Fixed position dispenser 148 Printer 50 Hand dispenser 149 Print head 100-101 Hand dispenser 150 Alignment head 102 Antenna 151 Drive roller 103 Body 152 Drive Bolt 104 Distribution Slot 153 Backplane 106 Transfer Payment Tool 154 Scrollable Transferable Payment Tool 108 Power Button Supply 110 Flavor] P Eight 172 Radio Frequency Transmitter 112 Power Indicator 173 Data Center Central Standards Bureau Printed by the employee consumer cooperative (please read the precautions on the back before filling out this page) -8- This paper size applies the Chinese National Standard (CNS) Α4 specification (210X 297 mm) 414877 Λ 7 — '~ .— 1- ___- Β 'V. Description of the Invention (1)-Background of the Invention The present invention is generally related to requesting and distributing transferable payment workers. System and method such as bank check, traveler's check and money order 3 The present invention is particularly related to a system and method that enables a bank customer to request and receive a negotiable payment instrument from a machine that prints the requested payment instrument, and communicates with one or Multiple authorized banks or automatic teller machines (ATMs) are far apart. Some known systems and methods for requesting and distributing negotiable payment instruments can provide mass distribution devices such as ATMs, which are wall-mounted devices that can be found at banks, airports, train and bus stations, supermarkets, etc. answer. The inconvenience of these distribution devices is that bank customers must find such a device before they can get the — expectable,% VF payment instrument. In many cases it is impossible to find such a device, especially when a bank customer is in a remote location or late at night. Printed by the Consumer Sample Cooperatives of the Central Bureau of Economic Affairs of the Ministry of Economic Affairs of the People's Republic of China 51 (^ Read the note on the back # 事 ^ 再 上 -55 页} Let another known system and method for requesting and distributing transferable payment instruments provide a Bank customer's portable distribution device. The inconvenience of this device is that the bank customer must first download enough money to the device to pay for any payment instrument that the customer wants to distribute. For this, the bank customer must go to or send the device Go to a bank or some other facility to be able to download3 If the customer needs a payment instrument that exceeds the balance in the portable device, this requirement will make the device useless to the bank customer, which is extremely extreme for the customer in the following cases Frustrated 'means that the customer has enough money in the bank account connected to the distribution device, but that money has not been downloaded to the distribution device. Some of the money used to request and distribute the transferable payment instrument—some In the known system and method, the requested transferable payment instrument can only be divided from the payment instrument dispenser -4-This paper size applies to the Chinese National Standard (CNS) Λ4 specification (2 丨> < 297 exchanges) 414877 Patent Application No. 87115829 A7 Chinese Specification Article Front Page (June 89) _B7_ (5C) _ Λ- \ 1 As described above, the present invention provides a system and method to Allow bank customers to request and receive transferable payment instruments from payment instrument dispensers without having to find and use ATMs for public use. Payment instrument transferors include receive-only dispensers, fixed location dispensers, And portable hand-held dispensers. The delivery-only dispensers are designed to distribute payment instruments only, and they use another device to request them. These dispensers are better in places such as boarding schools or college dormitories, or The elderly, sick relatives, friends' homes, etc. need to distribute payment tools but rarely need to request payment tools, because payment tools can be requested from other locations. Fixed location dispensers are general purpose dispensers that can provide requests and distribution Functions of payment instruments. These dispensers are located in the banks 'customers' homes, buildings (commercial buildings, hotel rooms, airports, and train and bus stations), cars, planes, trains, Bus, and / or any other suitable location. The preferred fixed location dispenser also includes a telephone operating mode to allow access to the telephone banking system. Printed by the Shell Standard Consumer Cooperative of the Central Standards Bureau of the Ministry of Economy (please read the back first Note for refilling this page) The portable handheld dispenser is the same as the fixed position dispenser, both can provide the function of requesting and distributing payment tools, and in the preferred embodiment includes a telephone operation mode To allow the dispenser to be used as a normal phone or to access a telephone banking system. These portable portable dispensers preferably have a -8c- This paper size applies to Chinese national standards (CNS > A4 specifications ( 210 > < 25 · 7 mm) Employee Consumer Cooperatives, Central Standards Bureau, Ministry of Economic Affairs, Yinfan 414877 A7 B7 V. Description of Invention (2) The dispenser is used to request the transferable payment instrument such as atm to distribute traveler's checks . The inconvenience of this rule is that in many cases the customer wants to request a payment instrument in one location, which is to be distributed to another in a second location. For example, a parent at home requests payment from a payment dispenser to the child of the parent at a summer camp, boarding school, or university. From this perspective, it can be expected to provide a system and method for requesting and distributing transferable payment instruments, whereby bank customers can request and receive a transferable payment without having to find and use a public payment instrument distribution device. tool. It may also be desirable to provide a system and method for requesting and distributing a negotiable payment instrument, whereby bank customers can use a portable handheld dispenser to request and receive a negotiable payment instrument for authorization and by Communicate with an authorized bank on a wireless communication chain to distribute transferable payment instruments. It would also be desirable to provide a system and method for requesting and distributing a negotiable payment instrument, whereby a bank customer can request from a device that can print a negotiable payment instrument and distribute it from another device. SUMMARY OF THE INVENTION It is therefore an object of the present invention to provide a system and method for requesting and distributing a transferable payment instrument, whereby a bank customer can request and receive a payment without having to find and use a public payment instrument distribution device. Transferable payment instrument ° Another object of the present invention is to provide a system and method for requesting and distributing a transferable payment instrument, whereby a bank customer can use a portable handheld dispenser to request and receive a transferable instrument. Transfer payment instruments, and communicate with an authorized bank on a wireless communication chain to obtain authorization to distribute transferable payments -5- This paper size applies to China National Standard (CNS) A4 specifications (210X297) 漦 (please first (Please read the notes on the back and fill in this page again.) Installation,-° Du Yin 炅 414877 A7 B7 _ 1 * " * 1 ~ ~ I _ ~ · I---— _ Description of the Invention (3) The payment tool 3 Therefore, another object of the invention is to provide a system and method for requesting and distributing a transferable tool, whereby a bank customer can request from a device, and the device can be listed. And can transfer a payment instrument with the dispensing system to achieve other purposes by providing a system and method for requesting and delivery tools such as bank checks, traveler's checks and negotiable bills paid 3 invention from another device. Bank customers can communicate with a bank computer from a telephone, computer, fixed location dispenser, or portable handheld dispenser. In this system and method, a payment instrument is requested. 3 This request can be made verbally, using contact adjustment , Or data transmission on a communication network, which can include telephone lines, two-way wireless links, microwave links, satellite links, cellular phone keys, computer networks, and / or the Internet. After the request is processed and agreed, the requested payment instrument can then be distributed to the bank customer in this system and method at any time, or from any collection-only dispenser, fixed-position dispenser that also communicates with the bank computer, or The portable and portable dispenser distributes the requested payment instrument to another person. 3 Brief description of the figure These and other objects and advantages of the present invention can be understood from the following detailed description and accompanying drawings. The same reference numerals denote the same elements, where: 'The block diagram of FIG. 1 illustrates the system according to the present invention for requesting and distributing a transferable payment instrument: FIG. 2 is a front view of a portable hand-held dispenser according to the invention : Figure 3 is a side view and a partial cross-sectional view of an embodiment of a portable portable dispenser according to the present invention, which has a copy transferable payment instrument supplier: -6-(Please read the precautions on the back before filling tr I) Chinese paper standard (CN.S) standard is used for this paper. Standard (210X 297 gong) 414877 A 7 Ⅴ. Description of the invention (4) Figure 4 is a portable portable distribution according to the present invention Device another embodiment Side view and partial cross-sectional view, the dispenser has a scrollable transferable payment instrument supplier; FIG. 5 is a perspective view of a folder-type portable portable dispenser (opened above) according to the present invention: FIG. 6 Top view of the folder-type portable portable dispenser (the top is closed) of the invention; FIG. 7 is a front view and a part of an embodiment of the folder-type portable portable dispenser (the top of which is opened) according to the present invention Sectional view 'The dispenser has a copyable transfer instrument provider; _ FIG. 8 is a frontal section view of another embodiment of a folder-type portable portable dispenser (the upper compartment) according to the present invention' The dispenser has a scrollable transferable payment instrument supplier; FIG. 9 is a block diagram illustrating a portable portable dispenser according to the present invention: FIG. 10 is a perspective view of a fixed-position dispenser according to the present invention: FIG. 1 1 The block diagram illustrates a fixed-position dispenser according to the present invention: FIG. 12 is a perspective view of a receive-only dispenser according to the present invention; FIG. 13 is a block diagram illustrating a receive-only dispenser according to the present invention; Central Bureau of Standards and Technology Industrial and consumer cooperation printed by Du (please read the notes on the back before filling out this page) Figure 14 is a flowchart showing the processing of a payment tool request by a bank computer according to the present invention: Figures 15 are a flowchart according to the present invention Using an interactive voice mode to display the request and distribution of payment instruments: The flow chart of 1 1 6 is to use an interactive data mode to display the request and distribution of payment instruments according to the present invention: The paper dimensions are applicable to the Chinese National Standard (CNS ) Λ4 is present (2 丨 0 > < 297 Office) Patent Application No. 87115829 A7 Chinese Manual 倐 Main page (June 89) _B7_ -L 极 科 (5) '": ΐ

________: ―: ― Secondary: J The flowchart of FIG. 17 is a non-interactive mode used to display the request and distribution of payment instruments according to the present invention; and the flowchart of FIG. 18 is a collection-only method according to the present invention. The Distributor displays the authorized receipt for printing and distributing payment instruments. Explanation of Symbols of Schematic Elements 30 System 114 Microphone 32 Bank Computer 116 External Power Input 34 Bank Computer Terminal 118 Interface Connector 36 Bank Phone 120 Keyboard 40 Communication Network 12 138 Keys 42 Wireless Network 140 Display Screen 44 Customer Phone 142 Tool Supply 45 Customer computer 144 Battery 46 Dispenser only 146 Electronic device 48 Fixed position dispenser 148 Printer 50 Hand dispenser 149 Print head 100-101 Hand dispenser 150 Alignment head 102 Antenna 151 Drive roller 103 Body 152 Drive Bolt 104 Distribution Slot 153 Backplane 106 Transfer Payment Tool 154 Scrollable Transferable Payment Tool 108 Power Button Supply 110 Flavor] P Eight 172 Radio Frequency Transmitter 112 Power Indicator 173 Data Center Central Standards Bureau Printed by employee consumer cooperatives (please read the precautions on the back before filling out this page) -8- This paper size applies to China National Standard (CNS) Α4 specification (210X 297 mm) Printed by employee consumer cooperatives of the Central Standards Bureau of the Ministry of Economic Affairs 414877 Patent Application No. 87115829 A7 Front Page of Chinese Manual (June 1989) B7 V. Invention Ming (5a) 174 1 Memory 219 Keyboard 175 Microprocessor 220 Keyboard 176 Print controller 240 Display screen 177 Display controller 241 Display screen 178 Sound controller 242 Copy payment tool supplier 179 Keyboard controller 244 Battery 180 External Device Interface 246 Electronic Device 181 Power Supply 248 Printer 182 Data / Address Bus 254 Payment Tool Supply 183 Sound Bus 255 Inner Surface 184 Power Bus 256 Hinge 200 Hand Dispenser 257 Bend Ribbon Cable 201 Handheld dispenser 300 Fixed position dispenser 202 Antenna 304 Distribution slot 203 Upper body part 306 Tool supplier 204 Distribution slot 308 Power supply 205 Lower body part 312 Power indicator 206 Payment tool 316 External power input 208 Power supply New 318 external device interface connector 210 p piercing eight 320 keyboard 212 power indicator 335 key 214 microphone 338 key 216 external power input 340 display screen 218 external device interface connector 346 electronic device (Please read the precautions on the back before filling this page ) -8a-This paper size applies Chinese National Standard (CN S) A4 specification (210X29? Mm) 414877 No. 87Π? Δ29 patent application Chinese specification page (June 89) V. Description of invention (5b) A7 B7 Employees' Cooperatives of Central Bureau of Standards, Ministry of Economic Affairs 348 Printer 42, 43, 2 keys, 358 Telephone socket 440 Display screen 359 Telephone line 446 Electronic device 361 Handset 448 Printer 373 Modem 458 Telephone socket 374 Memory 459 Telephone line 375 Microprocessor 462 Top surface 376 Printing control Device 463 Left τη Display controller 464 Back 378 Sound controller 465 Payment tool receiving indicator 379 Keyboard controller 466 Print key 380 External device interface 467 OK key 381 Power supply fast 468 Clear key 382 Data / address a stream line 473 Modem 383 Sound bus 474 Memory 384 Power bus 475 Microprocessor 400 Receiver only 476 Print controller 403 Main body 477 Display controller 404 Distribution slot 478 Sound controller 406 Payment tool supplier 479 Keyboard control 408 Power button 480 External device interface 412 Power indicator 481 Power supply 416 External power input 482 Material / address bus 418 External device interface connector 484 Power bus 420 keyboard (please read the precautions on the back before filling this page) -8b- This paper applies the Chinese National Standard (CNS) ΑΘ specifications (210X297 mm) 414877 No. 87115829 Patent Application A7 Chinese Specification Article Front Page (June 89) _B7_ (5C) _ Λ- \ 1 Description As described above, the present invention provides a system and method to allow bank customers to request, and Find and use ATMs for public use and receive transferable payment instruments from payment instrument dispensers. Payment instrument transfer devices include a receipt-only dispenser, a fixed-position dispenser, and a portable hand-held dispenser. The receive-only dispenser is designed to distribute payment instruments only, it uses another device to request it. These dispensers are better in boarding schools or college dormitories, or homes of elderly people, sick relatives, friends, etc. They need to distribute payment tools but rarely need to request payment tools because payment tools can be requested from other locations. The fixed-position dispenser is a general-purpose dispenser that provides functions for requesting and distributing payment tools. These dispensers are located in the banks 'customers' homes, buildings (commercial buildings, hotel rooms, airports, and train and bus stations), cars, airplanes, trains, buses, and / or any other suitable location. The preferred fixed position dispenser further includes a telephone operating mode to allow access to the telephone banking system. Printed by the Shell Standard Consumer Cooperative of the Central Bureau of Standards of the Ministry of Economic Affairs (please read the precautions on the back before filling out this page). Portable portable dispensers are the same as fixed-position dispensers. Both can provide requests and distribution payments. The functionality of the tool, and in the preferred embodiment includes a telephone operating mode to allow the dispenser to be used as a normal telephone or to access a telephone banking system. These portable hand-held dispensers preferably have a -8c- this paper size applies to Chinese national standards (CNS > A4 specifications (210 > < 25 · 7 mm) 414877 Λ 7 Β7 V. Description of the invention (6 Printed by the Central Standards Bureau of the Ministry of Economic Affairs, Consumer Cooperatives, with appropriate size and weight so that the dispenser can be easily carried with one hand, and it is better Includes a battery power source and a wireless phone so that the weekly dispenser can be used without having to physically connect to an external power source or communication chain. In order to receive a transferable payment instrument, a bank customer must first generate a request for a desired payment instrument. This request can Use a phone's computer, a fixed-position dispenser, or a portable handheld dispenser. You can request it in interactive or non-interactive mode. In interactive mode, the bank computer sounds (ie, uses the voice menu and prompts) Or digitally (i.e., using data transfer) to communicate with bank customers using menu options and tips. Bank customers can use the phone, or through a fixed location dispenser, or a portable handheld dispenser (which operates as a phone), To receive menu options and prompts for voice communication. Options and prompts for digital communication menus can be fixed by the bank customer through the customer Dispenser, or portable handheld dispenser (which displays menu options and prompts on the display electronically). Bank customers respond to each prompt when these prompts occur, and the bank computer processes these Respond and organize to form a payment instrument request. In non-interactive mode, the client computer, fixed location dispenser, or portable handheld dispenser electronically generates menu options and prompts on the display and displays them The bank customer then responds to these menu options and prompts, and is processed and organized by the customer's computer, fixed location dispenser, or stable portable dispenser to form a payment instrument request. Once a payment instrument request has been formed, Send the payment instrument request from the customer's computer, fixed location dispenser, or portable handheld dispenser to the bank computer. When requesting a payment instrument, for example, you can request—the bank customer specifies that you want to provide -9- this paper size Applicable to Chinese National Standards (CNS) Λ4 坭 grid (2i〇X 297 male garbage) ih first read the winter items on the back h h \ 414877 A7- -__ ~ V. Description of the invention (7) The account holder of the payment instrument, the personal identification number (PIN) of the account number, the type of payment instrument requested (such as a bank check, money order or traveler's check), the face of the payment instrument, Send the payment instrument of that country currency (such as US dollars, francs, marks, etc.) 'Payment instrument payee, address of the payment instrument payee, summary of the payment instrument date' payment instrument, and the name of the payment instrument dispenser in order to The requested payment instrument is distributed thereby, when the payment instrument begins to be distributed, and / or any other appropriate information. In other words, when a traveler's check is requested, for example, a bank customer may be allowed to leave a face of the payment instrument and send it— Payment instrument in national currency, payment instrument payee, address of payment instrument payee, payment instrument date, and any summary of unspecified payment instrument. As mentioned above, when choosing a designated payment instrument distributor, there is no restriction on bank customers to choose only one payment device distributor. The customer can then request a payment instrument, and vice versa. The customer can choose any desired payment Tool Distributor (It can communicate with the bank's electric riding) ° Printed by the Consumers' Cooperative of the Central Bureau of Standards of the Ministry of Economic Affairs " m _m ϊ— ί— —1 nnm ϋ n Ί 2 ·-(Please read the back of vg Note on this page) Once the requested information has been generated, either in its entirety (in non-interactive mode) or in part (in interactive mode), the request information is then transmitted to the bank via a communication network such as a telephone system. Alas. Although any suitable, dedicated delivery method can be used, 'but better' is the use of single-continuous data groups to transmit requests in non-interactive mode and voice, dual-tone multi-frequency (dtmf) tuning in interactive mode. % Zi Ke and other methods as a series of individual responses sent to the bank to the computer to provide the Wo. The communication network includes a wireless phone, radio, or satellite network to facilitate #wireless phones, wireless transceivers, and portable hand-held dispensers. The communication network can also include a computer network to facilitate the distribution of power from customers, fixed-position distributors, and portable handheld distributors (which are connected to computer networks ___________________- 10- applicable in S countries) Λ4 ^^ " " (2iOxT97 ^ \ «) ------------- Five 414877 —β —____, invention description (8 A7 87 Printed by the Staff Consumer Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs ^ or the Internet Way connection) to make a request. It is best to send it directly from the communication network; F 赒 request and data transmission please voice recognition "material request wheel ^ radio transmission. The appropriate voice request button can be used to connect the bank computer: computer, < The bank's computer terminal will be used by bank personnel. And the eighth θ __ 卩 processing the request to determine the request for payment, and is based on the following factors to determine whether to allow such as the request for payment instruments, the available balance in the customer account or = use the 'bank customer has entered the correct individual Identification number (PIN) 'Bank does not record the authorization to distribute the transferable payment instrument in the specified currency, the previous, outstanding number and face, and / or any other appropriate criteria. Bank Telegram has determined that the request is authorized After that, the bank computer then sends an authorized or rejected A to the answering body. This notification is preferably sent to the customer at about the same time as the device 'the device is the same as the requesting device (eg customer phone, customer phone' fixed location) Dispenser, or portable portable dispenser). For example, a pre-recorded or synthesized voice message inserted into a customer, and a notification requesting a response can be sent out, or the bank personnel can read it from a bank computer terminal The notice is sent to the customer, which is performed on the same phone as the request. If the request is authorized, the distribution information is then transmitted from the bank computer to the designated Only distribution distributors, fixed-position distributors, or portable handheld distributors. Distribution information includes: payee, payee address, face of payment instrument, currency of that country, request date, A summary of the date of the payment instrument, a security mechanism such as an authorization code or a digital copy of the customer ’s signature. The type of account number of the payment instrument (such as a bank check, money order, or traveler's check). A payment instrument number. PIN (which must be entered by the recipient to receive The payment instrument) 'First distributed support ten workers-1. This paper is long-sized and applicable to China's National Standards (CN'S) Λ4 specifications (210X29? Public) (please read the precautions on the back first ^^ this 5) Install ------- Line 414877 Printed by the Consumer Cooperatives of the Central Bureau of Standards of the Ministry of Economic Affairs 11 V. Description of the invention (9) Date and / or any other appropriate information ^ (when the notification is transmitted by data ) This information is sent as part of the authorization notice, or the data is sent separately. When sending distribution information to a designated payment instrument dispenser, the bank computer must first establish a connection with the payment instrument dispenser before it can transmit the information. through For example, in the following example, a customer requests a payment instrument to be distributed from a specified payment instrument dispenser, which is different from the payment instrument dispenser used to make a payment instrument request, or in the following cases A customer submits a payment instrument distribution request from a customer's phone or customer's computer. The bank computer must first establish a communication with a designated payment instrument distributor to send distribution information. For example, a bank computer makes a modem-type telephone call. It is answered by the designated payment instrument dispenser to establish communication. Once the distribution information has been transmitted to the appropriate payment instrument dispenser, the requested payment instrument can be dispensed, which is limited by the date of distribution of the instrument Any special instructions: When distribution information is sent to a designated payment instrument dispenser other than the device used to make the payment instrument request, the distribution of the payment instrument preferably waits for an authorized recipient to access the designated payment instrument dispenser And it only started when the payment instrument was requested to be distributed. The distribution of payment instruments includes one of the many preprinted payment instrument deposits (namely, a special note type) and printed information on the deposit such as date, payee, payee address, payment instrument face, currency type , The type of payment instrument (such as a bank check 'money order' or traveler's check), a summary, a security mechanism such as an authorization code or a digital copy of the customer's signature, account number, payment instrument number, and / or any other appropriate information 3 may be available in some cases Distribute a payment instrument to someone other than a bank customer -12- This paper size applies the Chinese National Standard (CNS) specifications (210 X 297 total) Please read the precautions before reading. V-Bei 414877 λ7 ____________________ Β7 V. Description of the invention ('" One by one "' For example, parents can request payment tools to be distributed to school or summer camps]. § When payment tools are distributed to people other than bank customers, in order to provide at least a minimum Security protection. In the preferred embodiment of the present invention, the dispenser requires a potential recipient to enter a password or PIN in order to obtain To the requested transferable payment instrument. This password or PIN is better chosen by the bank customer when generating the payment instrument request, but it can also be selected by the bank computer before giving the authorization notice, or preselected by the bank customer. Under the transfer of a transferable payment instrument, the bank customer or the recipient of the payment instrument can also delay the distribution of the payment instrument until sometime in the future. 3 For example, this is expected in the following situations, where parents request a semester in advance Weekly wasteful checks are distributed to children studying in college, and β children can also get these checks until the date corresponding to each check in the semester arrives = the Central Bureau of Standards of the Ministry of Economic Affairs The good practice rules also allow a bank customer to change a payment instrument request after the designated payment instrument dispenser receives the distribution information, but before the distribution of a payment instrument. This change includes the cancellation or amendment of the payment instrument β During this period, bank customers can request changes from the bank computer in a way that they can submit payment tools to the bank computer The request method is the same (such as using DTMF to request a request, using a customer phone, or using a fixed location distributor to request transmission of data. The change information includes any of the corresponding distribution information, and preferably includes the account number and payment instrument number. .Once the change request is received at the bank computer, the bank computer will determine whether the request is authorized. According to whether the personal identification number (ρΐΝ) entered by the bank customer is specific, whether the payment instrument has been distributed, and whether the bank computer Can establish -13- this paper size applies the Chinese National Standard (CNS) Λ4 present (210X297 common.) 414877 ill V. Description of the invention (11) Designated distributor communication, and / or any other appropriate standard To determine whether the & change request is authorized. If the change request is rejected, the change notification is transmitted to the bank customer. Otherwise, the change authorization notice will be sent to the newspaper customer 'and the change information will be sent to the designated payment instrument distributor. It is preferable that the change notification transmitted to the customer is transmitted at substantially the same time, and the change notification is sent by the same device that requested the change. The method of sending to the designated payment instrument for distribution is roughly the same as the method of distributing information, which can include any information in the corresponding distribution information, and also includes an account number and a payment instrument number, which is The sender receives this change, that is, the transferable payment instrument that cannot send the request from the payment instrument dispenser. Only the dispenser, fixed position dispenser, or you can build a 4-car tank. After requesting and / or distributing a negotiable payment instrument, you "each customer / 4 · tool recipients can send information about the request and / or distribution information Α and pay > The printer, and / or any other suitable device is used to re-use the external device as the interface. This information is better to cover all the information for communication between the bank computer of the carrier. Once Download, "Qiaotai and" is used to generate reports and bookkeeping information. Figure 1 is used to request and distribute transferable payment instruments, and is used by employees of the Central Standards Bureau of the Ministry of Economic Affairs. Example of a better reporting computer terminal for cooperative printing ^ 3 Q, system 30 in the figure includes: bank computer 3 2, machine 3 4, bank phone 36, communication network 4 0 'wireless 6 telephone conversation 44, client computer 45, only receiving distributor 46, solid order on ~ 'customer electricity, and portable 弍 portable distributor 50. Usually owed by Yin 奋, Fen 48 corpse use history 44, customer computer 45, fixed location distribution Device 48, + 50% sender 50 to request the receipt of a negotiable payment instrument. &Amp; 'Handheld points 1 4- This paper music scale is applicable to the Chinese National Standard (CNS) Λ4 specification (2! 〇 > < 297 exchange) A7 414877 V. Description of the invention (12 Using the answering phone 4 4 'Bank customers can use voice or use the keys on the red 44 to request the payment king to generate a DTMF tune. Can be located in any of the world The place can be a customary telephone or radio 7 and can be connected to a bank computer 3 2 or a bank phone 3 4 via a customary telephone system, a wireless telephone system, and / or any other appropriate communication network. You can use the terminal emulator, the Internet m 'exclusive banking software' or any other appropriate physical education by ^ ^ phone connection, computer network connection, Internet connection, or any appropriate connection borrow Send a request to the bank computer-a payment instrument by transmission-assessment transmission- < · When the dispenser 4S or 50 is operated as a phone or operated in interactive mode, L can use a fixed position dispenser 48 or a portable portable dispenser, which can be used by bankers. A DTMF call is generated by voice or using the key on the dispenser 48 or% to request a payment instrument. When the dispenser is operated in a non-interactive office or interactive asset mode, bank customers can also switch from the dispenser by using a fixed-position dispenser 48 or a portable portable dispenser 50, which can be transported by w -n material transmission to request a payment instrument. The fixed-position dispenser can be connected to the portable portable dispenser 50 via a conventional telephone system. None ^^ Telephone system = printed by the Consumers 'Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs ^ Computer network connection' Internet connection 'And / or any other suitable communication network to the bank computer 32 or bank telephone 34. Once a request is made, the request is then transmitted to the bank computer 32 over the communication network 40 or possibly over the wireless network 42 '. Communication network cutting = telephone system 'computer network except network, and / or any other appropriate communication network 3 wireless network 42 including wireless telephone system, wireless communication system, 15- This paper music standard is applicable to China national beam standards (CNS) Α4 Xunyou (210X 297 public address) Printed by the Central Bureau of Standards of the Ministry of Economic Affairs printed by the Consumer Cooperatives 414877 V. Description of the invention (13) Satellite communication system and / or any other appropriate wireless communication network a DTMF coordination Data transmission request is directly input from the communication network 4 to the bank computer 3 2 preferably 3 For voice requests using the bank phone 44, bank personnel may use a fixed-position distributor 4 8 or a portable hand-held distributor 5 〇 benefits via the bank The telephone 36 and the bank computer terminal 34 input requests to the bank computer 32. Alternatively, a suitable speech recognition system in the bank computer 32 can be used to directly input the voice request into the bank computer 32. After receiving the payment instrument request, the bank computer 32 determines whether the request is authorized. This determination is based on the request of the payment instrument, whether the available balance or credit in the customer's account's personal identification number (plN) entered by the bank customer is 眞, the number or 値 of previous requests, and / or any other appropriate criteria ^ Once Sentence & 'Silver' Ding computer 3 2 sends notification to the customer phone 44, customer computer 45, fixed location fan 48 or portable handheld computer via communication network 4 0 and possibly wireless network 42 ' The bank customer d at the sender 50 is issued at the same time when it is known, and it is the same as the method of making a payment instrument request. In other words, first on the bank computer terminal 34? Item τ notification in order to transmit the notification to the bank customer, and then have the banker read the notification for the bank customer. $ @ + Is authorized, the distribution information will also be sent to the designated branch tool point 121. This dispenser may be a receiver-only dispenser 46 or the same or a fixed-position dispenser 48 or a portable dispenser 50 without R, so as to request from the payment instrument accordingly. As for the notification of authorization or rejection, it will be distributed ?! Λ Red is transmitted from the communication network 40 and possibly the wireless network 42 ^ -16 (CNS) (2Ι〇χ 297 ^ > ί, .I In ι: (Please read the notes on the back before ^^ This page I11 line 414877 A7 B? V. Description of the invention (14 Please read the back I & notice h- Once this page has received distribution information, you can specify Distribute a payment instrument at the payment instrument dispenser. In a preferred embodiment of the present invention, the recipient of a transferable payment instrument can also be a bank customer, and can ask the recipient if he wants to distribute the payment instrument immediately. Or later. The preferred embodiment of the present invention also allows the requesting bank customer, who may not be the intended recipient, to specify the earliest time to distribute a payment instrument from a payment instrument dispenser. Bank customers may also request Changes will be made to payment instruments waiting to be dispensed from a designated payment instrument dispenser. This change includes the cancellation or correction of the payment instrument 'and can be made by customer phone 44, customer computer 45, fixed location dispenser 48, or portable Hand dispenser 5 0 to request. Similar to the payment instrument request, this change request is then transmitted (or possibly wireless network 42) on the communication network 40 to the bank computer 32. Regarding the payment instrument request, the voice change request can be used by bank personnel The bank phone 36 and the bank computer terminal 34 are transmitted to the bank computer 32. Alternatively, the voice change request is input directly into the bank computer by an appropriate speech recognition system. After receiving the change request, it is printed by the Shellfish Consumer Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs The bank computer 32 then issued a change request to verify the identity of the bank customer and contacted the designated payment instrument distributor. If the identity of the bank customer was identified, the payment instrument would wait from the designated payment instrument distributor 46, 48 50, the bank computer 32 will send a change authorization notice to the customer phone 44, the customer computer 45, the fixed-position dispenser 48, or the portable hand-held dispenser 50 in order to make a change request therefrom, and The change information is transmitted to the designated payment instrument distributor 46, 48, 50. This change information includes any information in the corresponding distribution information. It is better to include an account number and a payment instrument number. Once in the designated payment instrument dispenser 46, 17- this paper method is applicable to the Chinese country # 芈 (CNS) Λ4 regulations (210X297 public exchange) V. 414877 Description of the invention ( 15) After receiving the change information in A7 B? 4 8, 50, the original payment instrument from ^…, Gong Huanying will again be able to: be distributed by the payment instrument dispenser. However, if the bank cannot be identified The identity of the customer, or the bank computer 32 cannot communicate with its payment instrument dispenser 46, 4s,% 'will send a change refusal notice to the bank customer and cancel or amend the payment instrument request => Central Standards Bureau, Ministry of Economic Affairs The consumer cooperative print ^ d 2, j, 4 illustrates Embodiment 1 of a tumbleable portable dispenser 50. All the components of the portable portable dispenser 100 in Fig. 2 are housed in the body 103 'which is preferably made of plastic' but may also be made of Sau or other suitable materials. Located at the top of the body 103 are the antenna 102, the distribution slot 104, and the transferable payment instrument 106, while at the bottom of the body 103 are the external power input U 6 and the interface connector of the external device. Antenna 丨 〇2 is a radio frequency antenna that enables the portable portable adapter 100 to communicate with the wireless network 42 (Figure), and is more flexible and retractable ^ except in portable portable In addition to an antenna 102 provided in the dispenser 100, the portable portable dispenser 100 can also be t it — an electrical socket (not shown) for connecting the portable portable dispenser 100 to Standard telephone wall socket (not shown distribution slot 104 in the body) 03 includes a narrow opening to allow the payment tool 106 to pass through, its edges are jagged and taken from light metal such as Ming or any other appropriate Made of materials so as to be able to tear off the payment instrument printed in the "Dingti dispenser" 100. Although the distribution groove 04 in the figure is located at the top of the body 13, the distribution groove} 〇 4 It can also be located at the bottom, front, rear or any other appropriate position of the body I 03. Payment instrument I 06 can be any kind of transferable payment instrument, and it is best to pre-print 'thermal printing paper'. So that it can be identified as a traveler's check, seat Tfr 'or bank check. For security purposes' Payment tool 1 〇6 printed on 18- This paper scale is applicable to Chinese National Standards (CNS); \ 4 Regulations (210X29? Credit) 5. Description of the invention (16 A7 B7 by the Ministry of Standards and Technology Bureau of the Ministry of Standards and Labor Cooperatives Yinhan clean watermark, microprinting, or using any anti-counterfeiting technology that is compatible with others. External power input 116 can be used to connect an external power + 4 external power sources such as 110v AC snow, The 12VDC car cigarette lighter socket is connected to a power source, or any other suitable external power source is connected to the portable portable dispenser 100. The external device interface ^ head US can be used to connect the portable portable dispenser 100. To an external device such as a computer, printer, or any other suitable external device, and two = air connector, -optical connector 'or any other suitable type of connector or connector ^ combination. As mentioned above, for example this connection is available In order to download the data of the portable portable dispenser 100 to a computer, a printer, or other appropriate device. Located in front of the main body 103 are a power button 108, a speaker 11o, a power indicator π2, and a display screen 4o. , Keyboard uo, and microphone. Use the power button i 0 8 Turn on / off the power of the portable handy dispenser 丨 〇〇. When using the portable handy dispenser 100 to make general voice calls or request payment tools in interactive training mode, you can use the sentry 1 1 〇 to make the user of the portable handheld dispenser 100 hear the phone. Use the power indicator light 12 to indicate the power status of the portable handheld dispenser 100 'It will light up when the power is turned on' And JL is better for low power light emitting diode (LED), although any other suitable indicator light can also be used. Use the display screen 14 to display the menu options' messages, settings, reminders, phone numbers, and any other Expected information. Display 140 is preferably a backlit liquid crystal display (LCD), but any other suitable display may be used. When using the portable handheld dispenser 100 to make a general voice call or to request a payment tool in the interactive voice mode, the microphone u4 can be used to make the portable handheld dispenser [〇〇 users Speak on the phone. 19- This paper size applies the Chinese National Standard (CNS) Λ4 specification (2IOX297) and I ^ -------- ^ —Γ; (Please read 1 note on the back before this page} Order -— 0 ----- • II 1 I · V. Description of the invention (17) A? B7 When the power of the portable portable dispenser 100 is turned on, the power indicator ⑴ will light up, and the better '㈣ | 14G * —The main menu option is for customers to choose how to use the portable handheld dispenser 100. For example, the menu option allows the customer to use the portable handheld dispenser as a phone to initiate payment with the verb bone mode. Tool request, initiating an interactive data mode payment instrument request, initiating-non-interactive payment instrument request, to print a payment instrument that is stored in the shakeable portable dispenser 100 by mistake to change an undistributed payment instrument Requests and settings for configuring the portable dispenser 100. In another example, a quick cash menu option may be provided upon selection to automatically request a certain amount of traveler's check (or any other payment instrument 106) To use the data settings in the portable handheld dispenser 100 Distribute from the portable handheld dispenser 100. Of course, customers can use other menu options without reaching the spirit and scope of the present invention. Users can use the keyboard 1 20 to control the portable handheld dispenser The keyboard 120 includes: a one (,,, ") key 121, a two (,, 2 ,, `` .'b, key 122, and a three ("3," "d, " .. e, "". key i23, a four (" 4, "" g, ". 'h, 124,-a five (" 5' ") Ί, (Please read the back and pay attention Matters are reprinted on this page by the Central Bureau of Standards of the Ministry of Economic Affairs. <, " " Γ) bond 1 2 5, —a six ("6," "η, '" < 〇_ >) key] 2 6, a seven ("7, " " p," " q,., "r ,,," s ") key 127, an eight (,, 8 ,, ", Ί," u, m'v ") key 128 'a nine (" 9," "w ,, ", x,. &Quot; ,,,,, z„) n9' an asterisk (" * ") Key 130 'a zero (" 〇 ") key π 1, a parallel key 132' a clear (" ck ") key Π3, a transfer key 134, a knot east key 1 3 5, a select ( " se Γ) key 1 3 6, a cursor (up, down, left 'right) key 137' and a receive (" rev ") key 13S. Use the number 1 to 9 20- This paper is for Chinese countries. Standard Chinese (CNS) Λ4 specification (210 × 297 total) line 414877 A7 B7 V. Description of the invention (18) ~ — Word keys 12 1-129 and 0131 number keys, asterisk key 13, and Tic-tac-toe 132 to make calls, To select the menu option in response to the prompt to perform the appropriate other functions of these keys. In order to facilitate the use of the telephone banking system and other DTMF response systems, pressing any of the keys 121_132 will generate j.} Responsible DTMF 碉. For example, a request is made to transfer the payment instrument to the floor portable dispenser 100 or any other dispenser 46, 48, 50 (Figure 1), a bank customer can use the portable portable Distributor 1 00 puts a call into the phone banking system and uses DTMF to enter the requested information. Use the clear key Π 3 to enter the phone number, menu option options, prompt response 'or any other user input Part of or all of the information is removed.-Once the user has entered a phone number, use the transfer key 134 to initiate a call, and once the call is complete, use the end key 135 to stop the call.-Enter or display each other When the display is above 4〇, use the select key 1 3 6 \ to accept a power meter option, prompt a response, or any other appropriate information. Use the cursor key 137 to guide the display on the portable handheld dispenser 100 The menus on the 14 0, and preferably contains four directions of dynamics, so that when the up, down, left, and right directions are pressed, the only switch is made. When displaying a menu richly, press Downstream label key 3 7 OK Make the menu options scroll with the highlighted cursor area on the display 140. Accordingly, the bank customer can highlight the menu options and then select (using the selection key [36) any of the menu options Finally, when the user is ready to receive a call during the call, 'the receiver key 3'8 is used to start the modem inside the portable portable dispenser 100. When the modem is operating, it will be recognized. 1 〇 and the microphone 1 1 4 is best not to act 'while the number keys 1 2 1 -1 2 9 and 1 3 1 and the asterisk key 1 3 0' -21----- 1--------- ------- One Λ4 Rule (2I0X297) and I --------- Equipped—Ί • (Please read the back: Jiang Yi Matters first ^^ this page) Step-Ministry Central Standards " -The Bureau also eliminates cooperation. The printed paper size is common Chinese National Standard (CNS) 414877 Αβ; Central Standards Bureau of the Ministry of Economic Affairs, Consumer Cooperatives' Seals, and 5. Description of Inventions (19) And Tic-tac-toe key 132, it is best not to adjust DTMF power key 108 and key 1 2 1 -13 8 to be a button power contact switch, but it can be any suitable switch. Figure 3 is a portable portable distribution Inverted view of the device 100, in Figs. 2, 3, the antenna 102, the distribution slot 104, the payment instrument 106, the power button 108, the speaker Π0, the source indicator 112, and the display screen U ( ), Keyboard 120, microphone 1] 4, external power input 1 i 6, and external device interface connector 1 i 8 are located on the top of the portable portable dispenser 100 body 103 outside, the front and bottom are not 上述 π the above functions β On the internal hand of the portable hand-held dispenser i⑼ body i03, there are electronic device 146, battery 144, printer 148, complex = negotiable payment instrument supplier [42], and payment instrument 106. Electronic device two 46 provides communication 'processing, control, input, output and power supply circuits for 100%, and preferably includes RF transceivers, modems, memory, microprocessors, Print controller, display controller, sound two-button system, external device interface, and power supply. Electricity $ 144 as an electronic device] 46 and portable handy dispensers are needed in the Hongli J. Others; τ: the power supply of the piece. The battery M4 is a nickel metal hydride battery. It is better to record the battery, but it can also use a suitable battery, and the battery can be removed from the back of the portable portable dispenser 100 when charging to allow Load another—battery 144. Call the printer 148 to print the payment handed out by the portable handheld dispenser 100. The printer 104 includes a printing head 149, a head 50, and a driving wheel 1) 1 ' The driving bolt 152 and the back plate 153. Use the print head to print all or part of the information on the payment tool 丨 06 and distribute the payment tool 1 22- (Please read the precautions on the back and then fill in 3 pages) 装 —'I— 渌 .II-I! This standard is applicable to Yin Guo gf Family Sample Standard (CNS) Λ4Μί ^ (210x29: 贝 Industrial and Industrial Cooperation of the Ministry of Economic Affairs and Central Standards Bureau, Shellfish Consumption Cooperation Du Yin " A7 B7 V. Other marks indicated on the description of the invention (2Q). The print head 1 4 9 is preferably a thermal print head, which is maintained in a fixed position and occupies the width 106 of the payment tool 106. Alternatively, an appropriate print head 149 may also be used, and the print head 141 access is smaller than the entire width of the payment instrument 106 and / or can move along the width of the payment instrument 106, which refers to one or more tracks (not shown) under the power source of the print head drive motor (not shown) When the payment instrument 106 is fed from the payment instrument supplier 142, the alignment instrument 1 06 is used to align the payment instrument 106 in order to print any information and any preprint on the payment instrument 106. The alignment of the marks. The head 15 0 can be optical, magnetic, mechanical, or any He fits the sensor in order to detect the pre-printed mark, hole, or any other appropriate indicator on the payment instrument 106. Drive roller 〖5 1 and drive bolt 1 52 can transfer payment instrument 106 from payment The tool feeder 142 moves through the print head and through the distribution slot 104. The driving roller 15 and the driving pin 15 2 are preferably driven by a low-power electronic motor (not shown), and can be any Kadang mechanism According to the purpose of 7F mobile payment instrument 1 06. Use the back lever 1 5 3 to maintain the payment instrument 1 06 in contact with or close to the print head 149 and the head 150. The back plate 153 is made of plastic. And it moves within the range of the width of the payment instrument i 06 and the length between the printing head 149 and the alignment head 150, although any other suitable material and size can be used. Using a copy payment instrument supplier 1 42 To supply the transferable payment instrument distributed by the portable handheld dispenser 100. 06. As described above, 'from the description of the transferable payment instrument in Fig. 2 above', we can copy the transferable payment in the payment instrument supplier M2. Tool 1 06 can be any kind of Let the payment instrument, -23-This paper applies the Chinese National Standards (CNS) Ί Ί 格 (210X297 public place) Note on the back of the page before reading this page --------------- Order Γ -----I -I. 1 -I ί-41487? A? B7 V. Description of the invention (21) And it is better in the form of pre-printed thermal printable paper, which can be identified as a traveler's check when read. Money order, or bank check. For security purposes, it may be better to have the payment instrument 106 printed with a watermark, microprinting, or using any other appropriate anti-counterfeiting technology title. Copying the supply of negotiable payment instrument B. Preferably, negotiable payment instrument 106 is packed into successive lengths of negotiable negotiable payment instrument, which are perforated with each other to allow them to be folded into a smaller volume. Or use the transferable payment instrument provider 142 to provide a transferable payment instrument 106 as shown in FIG. 3, and provide a scrollable transferable payment instrument provider 154 as shown in FIG. 4 'or any other appropriate payment instrument provider may also Used in the portable handy dispenser 100 to load the reproducible transferable payment instrument supplier 142 or to roll the transferable payment instrument supplier i54, the user must remove the battery 144 from the portable handy distributor i 〇〇Removed later, any transferable payment instrument in the Dingli distribution benefit 100] 〇6Removing and inserting a new transferable payment instrument supplier 142 or distributing in the Dingti distribution In the garment 100, a transferable payment instrument 10 6 is manually loaded into the printer 1 4 8 and the battery 14 14 a is printed by the Consumers 'Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs. Figure :)' 6 '7' 8 A further embodiment 200 of the portable portable dispenser 50 (FIG.) Of the present invention is shown. The portable handheld dispenser 200 in Figure 5 is similar to the portable coffin folder and includes the following functions such as phone call green, word processor, summary pad, notepad, timetable, calendar, and calculator 3 The portable portable dispenser 200 includes an upper body portion 203, a lower body portion 205, and a hinge 206 which connects the upper body portion 203 to the lower body portion 205 and allows the ft to be divided into 203. '205 folded into each other (ie closed) or interlocked as shown. A f-shaped ribbon wire 257 is installed in the hinge 256 to allow 24 (2 10X297 mm) t paper music scale applies Chinese National Standard (CNS) Λ4 grid (A7 41487? _____ B7________ V. Description of the invention (22) The circuit in the body portion 203 is connected to the circuit in the lower body portion 205. The β display screen 240 is located on the inner surface 255 of the upper body portion 203. The display screen 240 is used to display menu options, tips, and information for portable The user of the dispenser 200 is used. The display screen 240 is preferably a backlit liquid crystal display (LCD), but any other suitable display screen can also be used. The lower body 2 5 5 includes the antenna 2 0 2 and the distribution slot 2 0 4, payment tool 206 'external power input 216, external device interface 218, and keyboard 210. antenna 202, distribution slot 204, payment tool 206, external power input 2 1 6' and external device interface connector 2 丨 8 It is roughly the same as the antenna 102, the distribution slot 104, the payment tool 106, and the external power input 1 1 (5 ′ as described in FIG. 2 above), and the external power input 1 1 (5 ′ is the same as the external device interface connector u 8. The keyboard 22 ′ preferably includes a typewriter keyboard All the letters Numbers and characters, and provide users to control the operation of the portable handheld dispenser 200 when used as a folder or payment tool dispenser, the keyboard 220 can be any appropriate keyboard type such as a membrane keyboard. The upper part of the upper body part 203 of the portable dispenser 200 is shown in FIG. 6, and some components are mounted on the upper body part 203 in the figure, so that when the body parts 203, 205 (FIG. 5) are in the closed position, the portable type The portable dispenser 200 can be used as a telephone. These components include: power button 208, power button 2 1 0, power indicator 2 12, keypad 2 1 9, microphone 2 1 4, and display screen 241. Power button 208 , Speaker 210, power indicator 212, keyboard 2 1 9 and microphone 2 1 4 are roughly the same as the button 108 shown in FIG. 2, system 1 1 〇, power indicator 1 12, keyboard 丨 20, and microphone 1 14 Identical 3 When the portable portable dispenser 200 is used as a phone or payment instrument dispenser -25- The paper standard is common Chinese National Standard (CNS) Λ4 specification (2! 0 parent 297 exchange) — ~ " 1 · — ---: ---_--- install -------- 丨 order-^ ----- line Note on this page) ί Printed by the Central Standards Bureau of the Ministry of Economic Affairs and the Consumers ’Cooperative Cooperative 12 414877 a7 B7 Printed by the Central Standards of the Ministry of Economic Affairs and the Bureau ’s Consumers’ Cooperatives ¾ 5. Description of the invention (23), the display screen 24 To display phone numbers, menu options, tips, and any other appropriate information. The display screen 24 1 is preferably a backlit liquid crystal display (LCD), but any other suitable display screen may be used. Although these components are located above the upper body portion 203 in the figure, they can also be installed at the bottom of the lower body portion 205. In this embodiment, the battery 2 4 4 (shown in FIG. 7) is preferably located in the upper body portion 203. Fig. 7 is a side view of the portable hand dispenser 200 to show the upper body portion 20j, the display screen 24o ', the lower body portion 205, the keyboard 22o, and the needle tool 206. The lower body portion 205 in the figure is provided with an electronic device 246, a copy payment tool supplier 242, a payment tool 206, a printer 248, and a battery 244. The electronic device 246, the copy payment tool supplier 242, the payment tool 206 ', the printer 248, and the battery 244 are substantially the same as the electronic device g 146 shown in FIG. 3, the copy payment tool supplier 142, and the payment tool 106', respectively. Printer 148, same as battery] 44 or use Fuwo payment instrument supplier 242 to provide payment instrument 206 as shown in Fig. 7, to provide scroll payment instrument supplier 254 as shown in Fig. 8, or provide Any other appropriate payment instrument that can be used in the portable handheld dispenser 20 is provided for you to load the copy payment instrument supplier 242 or the scroll payment instrument supplier 254. The user preferably removes the battery 244 The portable hand-held dispenser is removed at the end of 200. Remove any payment instrument 206 in the removable hand-held dispenser 2000, and insert a new payment instrument transferable supplier 242 or 2 5 4 In the open-type portable dispenser 2000, a payment tool 206 is manually loaded into the printing unit 24S, and the electric bulb 244 is replaced. Although Figure 2-8 shows the portable handheld dispenser 100, 200 in the form of a cheek similar to ______-2S- this paper-like degree closure cap 23¾¾ 丨 丨 GNS) secret 丨 ------------ ^ ~~ -(Please read the note on the back first, then this page)

Install J

-II line printed by the Central Bureau of Standardization of the Ministry of Food and Beverage Consumer Cooperatives 414877 V. Description of the invention (24) = mobile phone and personal folders, but the present invention can also be used to make bank :: households request and distribute one Implemented in any device of the transferable payment instrument. 3 The portable handheld dispenser 100, 200 can be implemented as a palmtop computer, a laptop, a portable notebook computer, or any other suitable portable electronic device. FIG. 9 is a block diagram of a preferred embodiment of a portable portable dispenser. -However, Figure 9 shows an endless portable dispenser 100, which is a big block diagram. It is commonly used in portable portable dispensers 200. The portable portable points in the picture = two 100 include: antenna 102, electronic device I ", printer 14S, display screen _14〇, speaker 110 'microphone H4, keyboard i2〇, external device interface: 2 Tough U 8, the power refers to no lights 1, 12, the battery] 44, the power button 108, and only 1% of your inquiry into 1 16. Some of the components have been described in Figures 2 and 3. In particular, the electronic device includes: a radio frequency (RF) receiver 172, a data machine 173, a second body 174, a microprocessor us, a print controller 76, and a display. Control unit 77, sound controller m 'keyboard controller i79, external device surface 180, power supply 18], data / address bus M], power supply line 184, and sound bus 丨 83. . . The microprocessor 175 performs the central control of the electronic device 46, and the microprocessor I75 executes software instructions to enable it to receive input from other π pieces in the electronic device 140, process these inputs, and send the output to the electronic device 146. Other components. The microprocessor 175 may be any suitable microprocessor, microprocessor, or any other device capable of receiving input, processing these inputs, and generating output. 9 The memory 丨 74 is used to store the data and software of the microprocessor 175. And other components of the electronic assembly S 146. Memory: m includes: _ ___ -27- This paper is suitable for the standard '^ Standard (CNS) (2 丨 * 丨 _ ^-" 7-- 装 j ------- Order _ ^ --- ：-Line (read the precautions on the back first # this page). 414 877 A7 B7 V. Description of the invention (25) Random access memory (RAM), read-only memory (ROM), programmable read-only memory PROM, erasable Programmable Read Only Memory (EPROM), electronically erasable Programmable Read Only Memory (EEPROM), flash memory, and / or any other suitable memory or memory Combination ^ The keyboard controller Π9 monitors the input of the keyboard 120, buffers these inputs, and interrupts the microprocessor 1 75 when receiving these inputs. The sound controller 1 7 8 controls the sound output signals sent to the speakers 1 1 0 And the sound input signal received from the microphone 1 1 4. The sound output and input signals can be transmitted via the sound bus! 83 is transmitted between the sound controller 1 78 and the RF receiver 1 72. The sound output and input signals can also be transmitted through the bit. The address / data bus 1 8 2 is transmitted between the sound controller 1 83 and the microprocessor 1 75. These sound output and input signals So the telephone conversation signal, DTMF tone, or instruction tone, and / or any other sound signal. Display controller 1 77 receives input from microprocessor 1 75 and drives display 140. Printer controller 76 receives from micro The input of the processor 17 5 and the control feed, alignment, and printing with the payment tool 106 (Figure 2-4) of the printer 丨 48. RF transceiver 172, modem 173, and external device interface 180 Both enable the electronic device 146 to communicate with external devices. The RF receiver 1 72 is a combination of a transmitter and a receiver to allow the electronic device 146 to communicate with the wireless network 42 (Figure i). This wireless network 42 ( FIG. 1) may be a cellular telephone system, a satellite communication network, or any other suitable wireless communication network, or a combination of networks. In addition to implementing the electronic device 146 with the RF transceiver 172, the electronic device 146 also It can be implemented by a telephone receiver (not shown), so that the electronic device [4 6 can communicate on a standard telephone line '. This is achieved by taking -28- This paper size applies the Chinese National Standard (CNS) Λ4 specification ( U0X297 public address) (Please read the precautions before .rcT This page--6 Printed by the Consumer Standards Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs Printed by the Consumers Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs Printed 414877 at ____ _ ^ _________ 5. Description of the Invention (26) Telephone socket for the antenna 102 (not shown) It is completed by connecting with a telephone line. The modem 173 enables the electronic device 146 to communicate with the bank computer 32 (Fig. 1) 'Other computers, network connection servers, transmitters, and any other modem-compatible equipment to exchange data . The modem Ϊ 73 is preferably a 56 kB modem, although other suitable modems may be used. The modem 1 73 communicates with the RF transceiver I 72 via the sound bus 1 83, and the JL communicates with the microprocessor 175 on the address / data bus 182. The external device interface 1 80 enables the electronic device 1 46 to communicate with an external printer, computer 'and any other appropriate device via the external device interface 1 1 8. The external device interface 180 is preferably an application interface, although a side-by-side interface, an optical interface 'or any other suitable interface or combination of interfaces may be used. Finally, the power supply 181 provides power rectification and adjustment, power supply monitoring, microprocessor 1 7 5 monitoring, power supply monitoring, and power indicator light 1 j 2 driving function. The power supply 1 8 1 supplies power to each electronic circuit of the portable portable distributor 100 through a power bus 84. The power supply I 8 ^ k battery 144 and / or an external power input π 6 receive power. Whenever the power pack 108 is pressed, the power supply 18 buffers the pressed input, and sets the power state of the portable portable distributor 100 to an appropriate state, and accordingly turns on or off the power indicator light. 1 12. When the power is turned off, the power supply m may request the microprocessor 135 to execute a power saving procedure. Example 3 of the fixed-foot position distributor 4.8 As shown in FIG. 10, the fixed placement distributor 300 in the figure includes a display screen 34, a keyboard 32, a power button j 0 8, and a power indicator. Light 3 1 2, handset 3 6 1, external device interface connector 3 1 8, external power input 3 16, telephone socket 3 5 8, telephone line 3 5 9, points -29- This paper size applies to Chinese national standards (CNS ), \ < 4 is now dry (210X297) ((read the precautions on the back before filling out this page) ^ --- installation -------- order ---- lacquer --- ---- 414877 A7 B7 V. Description of the invention (27) Slot 304 and payment tool 306. The display 340 is used to display menu options, prompts, phone numbers, and / or any other appropriate information for the user of the fixed-position dispenser 3 00. The display 340 is preferably a backlit LCD display, although it is also possible Use any suitable display. Keyboard 320, power button 3 04, power indicator 3 12, distribution slot 3 04, payment tool 3 06, external power input 3 1 6 and interface with external devices: H 8 is roughly the same as tf in Figure 2 above. The keyboard 120, the power button 108, and the power supply means the T1 lamp 2, the distribution slot 104, the payment tool 106, and the external power input 116, which are similar to the external device interface connector 1 118. The handset 3 6 1 allows the user to operate the fixed position dispenser 300 as a telephone. The handset 36 1 is mounted in a microphone (not shown) and a speaker (not shown), and is the same as a general telephone handset. The telephone socket 3 5 8 and telephone line 3 59 are used to connect the fixed-position dispenser 3 00 to a standard telephone wall socket. The telephone socket and telephone line may be any appropriate telephone socket and telephone line. Printed by the Central Bureau of Standards, Ministry of Economic Affairs, Consumer Cooperatives Figure 11 is a block diagram of the fixed-position dispenser 300. The fixed-position dispenser 3 00 (Figure 10) in the figure contains: electronic device 346, telephone socket 3 5 8, printer 348, display 340, handset 36 1, keyboard 320, external device interface connector 3 1 8, power indicator 3 1 2, power button 3 0 8 and external power supply 3 丨 6. Telephone socket 35 8, display screen 3 40, handset 3 61, keypad 3 2 0, external device interface connector 3 1 8, power indicator 3 12, power button 3 0 8 and external power input 3 1 6 and the above figure 1 0 shows the same. The printer 348 is substantially the same as the printer 148 shown in Figs. 3 and 9 above. The electronic device 3 46 includes: a telephone receiver 385, a modem 3 and 3, a memory 374, a microprocessor 375, a print controller 376, a display controller 377, and a sound control-30. Xin (CNS) Λ4 specification (210X297 male celery) 414877 V. Description of invention (28) A7 ΒΊ Jingyi Ministry Central Standard Bureau Staff Consumer Cooperatives printed 14 controller 378, keyboard controller 379, external device interface 38, and power supply器 381. Modem 373, memory 374, microprocessor 375, print controller 376 'display controller 3 77, keyboard controller 379, anti-external device interface 380 and the modem 173, memory shown in Figure 9 above, respectively 'Microprocessor 175, print controller 176, display controller 17 7' Keyboard controller 179 and external device interface 1 & 0 are similar. The telephone receiver j 8 5 converts the input and output sound of the sound controller 3 7 8 on the sound field mud row 3 8 3 into the signal compatible with the telephone system, so that the fixed position is always maintained. is device: > 0 0 (Fig. 10) operates as a telephone. The telephone receiver 385 is connected to the telephone system via the modem 373 and the telephone socket 358. The sound controller 378 in the fixed-position distributor 300 (FIG. 10) is substantially the same as the sound controller 17S shown in FIG. 9 for the portable hand-held dispenser 丨 00 (FIG. 2-4) 'Except for the sound controller 3 78 in the fixed position distributor 300 (Figure 10), which is connected to the listener 3 6 1 (which is equipped with a microphone and microphone), instead of being connected to a separate team 110 and The power supply 38 of the microphone 114 (FIG. 9) is also substantially the same as the power supply 1 s 1 shown in FIG. 9 for the use of the expandable portable dispenser 100 (FIG. 2-4), except in a fixed position. The source J 8 1 in the dispenser 300 (Figure 10) receives power only from the external power input 3 16 and not the battery 144 (Figure 9). FIG. 12 is an embodiment 4 0 of the receive-only distributor 46 (FIG. 1). The receive-only distributor 46 in the figure includes a body 403 ', and all its partners of the exclusive-only distributor 400 are installed in among them. The body 403 is preferably made of plastic, although aluminum or any other suitable material may be used. On the upper surface 462 of the body 403 is a power button 408, a power indicator 4 12 and a payment instrument receiving indicator 465, -31-This paper is compliant with the Chinese National Standard (CNS) Λ4 gauge (2IOX 297) Read the memorandum first (1 on this page) Ding A? ________B7 V. Description of the invention (29) '— * — Display 440' and keyboard 420. Power button 408 and power indicator light 412 are roughly the same as above The power button 丨 0 shown in FIG. 2 is the same as the power indicator i 丄 2. The payment instrument receiving indicator 465 is used to indicate to the payment instrument recipient that the payment-only dispenser 400 is ready to distribute one or more payment instruments. Use the display Screen 400 to display the menu options' Prompt, and send and receive information to the user of the distributor 400. The display screen 340 is preferably a backlit LCD screen, although any suitable display screen can also be used. Use The keyboard 420 is used to control the operation of the only-distributor 400 'and includes number keys 421-229 and 431, an asterisk key 430, a cross key 432' a print key 466, an OK key 467, and a clear key 468. The number keys 4H- 429 and 43 1 'Asterisk key 430, Tic Tac Toe key 432 and roughly The number keys 12 1 -129 shown in 2 are the same as 1 3 1, the asterisk key 130, and the tic-tac-toe key 1 32. Use the print key 466 to indicate to the dispenser 400 that a user wants to print the payment instrument received. Usually The user will press this key in response to the illuminated payment instrument receiving indicator 465. Use the OK key 467 to instruct the user to accept the current data, menu options, or prompt response shown on the display 440. Use the clear key 424 Remove all or part of the data displayed on the display screen 44. 5 On the left side of the main body 403 of the delivery dispenser 400 is a distribution slot 404 and a payment instrument 4 0. The distribution slot 4 0 4 and the payment instrument 4 0 6 is roughly the same as the distribution slot 1 04 and the payment tool 1 06 shown in Fig. 2 above. The back 464 of the main body 403 of the dispenser 400 is: a telephone socket 458, a telephone line '459, and an external power supply. Input 4 1 6 and interface connector for external device 4 1 8. Use telephone socket 458 and telephone line 459 to connect VCR 400 to a standard telephone wall socket, which can be any appropriate telephone socket and Telephone line. The external power input 4 1 6 connects the receiver-only distributor 400 -32- National Standards (CNS) / \ 4 Regulations (210X 297 and) of this standard are used in this paper. I — 414877 A; B7 5. Invention Description (3〇) Please read the precautions before filling in / f. Install a power source such as a 1 1 ο V AC wall outlet, a DC adapter, or any other suitable power source. The external device interface connector 4 1 8 is the same as the connector 1 1 8 shown in FIG. 2 above, and can be used to connect the receiver-only dispenser 400 to an external device such as a printer, a computer, or any other suitable external device 1. 1 Ding Huan eliminates cooperation with employees of the Central Standards Bureau of the Ministry of Foreign Affairs. Finding and printing Figure 13 is a block diagram of the receiver-only dispenser 400. The receiver-only dispenser 400 in the figure includes: electronic device 446, telephone socket 458, external Power input 416, power button 40S, power indicator 4 12, external device interface connector 4 18, keyboard 420, display 440, and printer 448. Telephone socket 458, external power input 4 16, power button 408, power indicator 412, division 418, keypad 420 and display 440 are the same as those shown in FIG. The printer 44S is substantially the same as the printer 148 shown in Figs. 3 and 9 described above. The electronic device 446 includes a modem 473, a memory 474, a microprocessor 475, a printer controller 476, a display controller 477, a keyboard controller 479, an external device interface 480, and a power supply 481. The modem 473 is used to allow the electronic device 446 to communicate with the computer, network connection server, and any other appropriate device via the telephone socket 458. The memory 474, the microprocessor 475, the printer controller 476, the display controller 477, the keyboard controller 479, and the external device interface 480 are roughly the same as the memory 174, the microprocessor 175, shown in FIG. 9 above, respectively. The printer controller 176, the display controller 1 77, the keyboard controller 1 79 and the external device interface 1 80 are the same. The power supply 48 1 provides power rectification and adjustment, power monitoring, microprocessor 1 75 monitoring, power button 408 monitoring, and power indicator 4 1 2 driving functions. The power supply unit 181 supplies power to each electronic circuit of the only-receiver-distributor 400 (Fig. 12) through the power supply bus 484. Power supply 48 1 Input from external power supply 33- This paper ft scale is applicable to Chinese National Standards (CNS) Λ4 Regulations (210X297) 尨 414877 A7 B7 V. Description of the Invention (31 Central Ministry of Standards, Ministry of Economic Affairs, Consumer Cooperatives, India, India) 4 1 6 to receive power. Whenever Thai_H bismuth 408 is lowered, the power supply 48 I prints the turn of the buffer drink ΓA &, ^, .t,. ^ ≫ The state of the power supply of the knife feeder 400 (Fig. 12) is sorrowful, and 浐 m I n 'therefore turns on or off the power indicator 4 12 3 δ When the power is off, the electric power can be adjusted to 481. Please process the electric program of the processor 475. Figure 14 illustrates the bank electricity program such as j2 (bank computer program operated in Figure 0). 00 »Once the bank electricity month cardio sequence 300 starts in step 502, the program ) 00 is in the > Mane 504 and other bees * 4,-" Must "eight ..," · '' Reading and receiving household telephone 44, customer computer 45, company seven 1¾ call, '-type portable distributor 50 ( The payment instrument in Figure U is called < S · d calls a. This list is 506 ^ 1 ^ ^ ^-After the call, the procedure 500 is in the test step. 06 judges the call is a stone & In the interactive call, the banker's corpse mistakenly responded to the silver job, 1 / π. Mountain + "J2 (囫 〇 generated menu options and disclosure and a τ payment tool called. In the non-interactive call, the bank The customer generates a _ payment instrument request before the bank computer is connected to the U.K., and the bank connects to the bank computer 32 (Figure 1W). It is a request to transport the product. It can be determined in part based on the type of call received. Slightly cU 0 π Λ, η 疋 horse interactive call. During telephone operation, the customer phone 44 (阓 π +-; · ,, " Π, or only the distributor 4S or portable portable device 50 ( Figure 1) The w ° bone response call and the DTMF transfer call from the 袼 屮 group t) are cross-talk calls. Plan 'One Canton' 〇〇 Can scratch the call whether it is a voice response call or DTMF transfer back-almost the method 疋In the first few seconds after the call is received, there is no u number to the modem on the phone line. For example, the call using a pseudo terminal or Internet browser 4 :) (Figure 丨) The call is also interactive Calls. In these examples' though data appeared on the phone line in the first few seconds after receiving each call (please Read the back of the Notes then - ^ this page) -----_.-- u --- support

> 1T ---- East 34- The paper scale is applicable to the Chinese national sample A4i "t grid (2! 0X 297 and) 414877 A * B7 V. Description of the invention (32) Machine signal, program 500 Phone calls did not receive additional signals such as special non-interactive mode indication data packets for the first few seconds, and these calls were determined to be interactive calls. Depending on the special software (or hardware) implemented in the calling device, other calls from the client computer 45, fixed location distributor 48, or portable handheld distributor 50 (Figure 1) are interactive or non-interactive calls. In these examples, the program 500 can also determine whether the calls are interactive or non-interactive based on the additional signals received during the first few seconds of each telephone call. If it is determined in test step 506 that the call is an interactive call, the process 500 then receives a digital payment instrument request in step 508. Once this request has been received, the process 500 determines whether the requested payment instrument is authorized and notifies the customer of this determination at test step 5 10. Authorization may be determined based on the following factors such as the request for payment instrument, the available balance or credit in the customer account number, whether the personal identification number (PIN) entered by the bank customer is 眞, and the number or number of previous requests. If it is determined at test step 5 1 0 that the request is not authorized, the procedure 500 then ends the call at step 5 14 and returns to step 5 04 to wait for more calls. However, if it is determined in the test step 5 that the request is authorized, the program 500 then transmits the distribution information to the designated payment instrument dispenser in step 5-12. The payment instrument dispenser may be any of the Weimu dispenser 46, a fixed-position dispenser 4Sf, or a portable portable dispenser 50 (Fig. 1), which may communicate with a bank computer 32 (Fig. 1). If it is determined in test step 506 that the call is an interactive call, the process 500 then displays an interactive menu or prompts the bank customer at step 5 16. In order to respond to this menu or prompt, the customer enters a response in steps 5 丨 8 and is received by the bank computer 3 2 (Figure 1). After receiving each response in step 5 1 8 'Procedure-35-The standard of this paper is applicable to Chinese National Standard Xin (CNS) Λ4 specification (210X297 male celery) IJ ---- I----D —--taxi ^ !: '·! 1 ^^ 1 h__ _ _ ^ —► Ϊ' -'- D / ί. (Please read the notes on the back before filling out this page) Printed by the Consumers' Cooperatives of the Central Bureau of Standards, Ministry of Economic Affairs " Economy Printed by the Consumer Standards Cooperative of the Central Standards Bureau of the Ministry of Commerce t 414877 Δ. A f ------- --B7 V. Description of the invention (33) — ~~~ 500 Then in the test step, determine whether the customer has completed the function table and prompts If the customer has not yet completed the menu and prompt response, the program 500 returns to step 5 16 to indicate more menus or prompts to the customer. Otherwise, the process 500 jumps to test step 124 to determine whether the customer has requested a payment instrument. If the program 500 determines in test step 524 that the payment tool has not been requested yet, the private sequence 500 ends the phone call in step 5i4, and returns to step 504 to wait and receive other phone calls. However, if the program 500 determines in the test step 524 that a payment instrument has been requested, the program 500 skips to the test step 5 1 0 to determine whether the requested payment instrument is authorized, and notifies the customer of this determination ^ if the requested payment instrument is authorized The procedure 500 then transmits the distribution information to the designated payment instrument distribution at step 5-12. The designated payment instrument dispenser is best displayed in a payment instrument request from a bank customer, but the default payment instrument dispenser name can also be used. Once the distribution information has been transmitted in step 5 丨 2, or if it is determined in test step 1 i 〇 that the requested payment instrument is not authorized, the program 50 0 makes a phone call in step 5 and returns to step 5 〇 4 to Pay another call. Before sending the distribution information to the fixed-position dispenser 48 or the portable portable dispenser 50 (Fig. 1), that is, if it is used as a telephone or in an interactive voice mode, step 512 must be performed by pressing the receive key 138 ( (Figure 2) or 338 (Figure 10) to prompt the bank customer to activate the modem in the dispenser 48 or 50 (Figure 1). Moreover, when sending distribution information to the designated payment instrument distributor, the bank must establish communication with the designated payment instrument distributor before transmitting the poor news. For example, in the following case, 'One of the customers requests a payment instrument from -36-the standard of this paper is the Chinese standard (_CMS), \ 4 cash cotton (2Ι0 × 297 公 筇)' ~ ~ —. ^ ^ ¾ ----- -1. (Please read the note on the back ^: Matters before ^^ this page) Order line 414877 A? Ϊ37 Intermediate bid of the Ministry of Finance and Economics 嗥 扃 Printing of cooperatives and consumer cooperatives V. Description of the invention (34 Distributor The distribution is different from the payment instrument dispenser used to make payment instrument requests, or in the following example where the customer makes a payment instrument request from a customer phone or customer computer, the bank computer must distribute the distribution Information · Communication between the former construction worker and the designated payment instrument dispenser. The procedure of the interactive voice mode 550 in the fixed position dispenser 48 or the portable portable dispenser 50 (Figure 丨) is shown in Figure 15. The interactive voice mode is started by a bank customer selecting an interactive voice mode menu option from the main menu option on the dispenser 48 or 50. Once the interactive voice mode procedure has been started in the figure, the bank customer is At step 554, the Thunder call is placed in the bank computer 3 2 (Figure υ. From the distributor 48 or 50 (Figure 2) Gong Bian Nong Yuan chose to start with a stone private j_ — moving hq 悮 style and pay the tool request option, that is, automatically call this department λ *, _ ,, Put in, or use the dispenser 48 or 50 (Figure 丨 ^ when using the phone, manually by the ancient army J) s When the call is received, the computer will produce a bank computer 32 (Tuzhou State customer age Listen and return 2 = Some menu options and tips to indicate this in the step of the staff voice: ^ Use the recording 'synthesize the voice, or the original silver watch for the customer to choose from to hear Go, y ... π. List as menu will' 'In another function, the prompt may require = to deposit or request a money order. In the code so that the customer enters his account number from the payee function, his PIN, number is only dizzy --- the amount displayed by hK 2, Yuanbei Lai said a lament, in order to respond to these options and mention the [selected currency, payment date, etc. on the payment instrument. On the portable dispenser ⑽ (Figure 2): the word bank customers can press Portable, < 121-129 and 131, Star key (please read the precautions on the back before ^^ this page). Install · φ 130, or different key 132 (11 2) ± & A = number of input tone by Intuit, accounting for ~ 4 key to generate a corresponding DTMF Qing only 4 'necessary numbers (leading zeros omitted) each of the national standard paper scales Falcon ® (CNS) apply (210

X-37- B7 414877 Five "invention description (35) followed by the Tic-tac-toe key 132 (Figure 2) to complete each response. When entering a letter, the customer can quickly enter the number corresponding to the letter on the number keys 121_129 (Figure 2) several times (default). For example, to enter c 'the customer can press the second key 12 2 four times, to enter b, the customer can press the second key 〖22 three times, in order to enter a, the customer can press the second key 122 twice' and to enter 2, the customer can press two Key 1 22 —times. In addition to using DTMF to tune responses, customers can provide voice responses to bank personnel or appropriate speech recognition systems installed in bank computers 32 (Figure 1). Interacting with the bank computer 3 2 (Figure 1), the program 5 5 0 can monitor a receive key and-end key 3 in the test step 5 5 8 on the distributor 4 8 or 5 〇 If neither the receive key nor the end key Press' The program 5 5 0 returns to step 556 to allow bank customers to listen and respond to more menu options and prompts. If the end key is pressed, the program 5500 is stopped at step drive 5600. If the customer has pressed the receive button, the possible response to the bank computer 3 2 (Fig. 1) is: the dispenser 48 or 50 (Fig. 1) starts its modem at step 562, and receives from the bank computer 3 at step 564 2 (Figure 1) distribution information, and the call was ended at step. Dian 566, after the distribution information has been received and the call is completed, 'Distributor 48 or 50 (Figure 1) prompts at step 5 7 0 and Determine whether each household wants to print the requested payment instrument now or later == If it is determined that it wants to print now, print and distribute the requested payment instrument at step 5 7 4. Otherwise, 'Distribution information of the requested payment instrument is stored in step 5 7 2 for printing later. 3 After step 5 74 has been distributed to the requested payment instrument, or distribution information has been stored in step 5 7 2 Print later, the program 550 is suspended at step 560. 3 Figure 1 6 illustrates the use of fixed-position dispensers 4 8 or portable dispensers _____- 38: ______ This paper music scale is applicable to the Chinese family standard ( CNS) M specifications (2IO X 297 male) Λ 7 Ii7 414877 V. Description of the invention (36) 50 (Figure 1) An interactive data model a program 600 users from the distributor 4 8 or 50 (Figure 1) On the main menu, uf selects an interactive lean mode menu option to start interactive data mode program 6GG ... Once program 600 starts at step 602, program 600 is in the dispenser "or 5". (Figure 〇 Start a modem, and call at step 604 ~ bank computer 3 2 (Figure t). After the call of Bank Computer ~> 2 (Figure 1) has been established, it is at step 609 Receive data from the bank computer 32 (Figure 1). This information can be menu information, prompt information, please send this information, and distribute information 'and / or any He appropriate information. Procedure 6 00 Next, in test step 608, it is determined whether this information is for a menu or a prompt. If it is judged that the information is for a menu or a prompt, then the menu or prompt is displayed in step 6 1〇 And receive the response from the customer at step 6 1 2 and pass it to the bank computer 3 2 (Figure 1). Once this response is transmitted to the bank computer 3 2 (circle 1), the procedure 600 returns to step 606 to receive the response from the bank Computer 32 (Figure υ for more information. If it is determined in test step 6 0 8 that this data is not for menus or prompts, then program 6 0 0 in test step 6 14 determines whether the bank customer has requested a payment instrument. If the customer has not yet requested a payment instrument in test step 6 14 ', then the call is terminated in step 6 1 6 and the procedure 600 is suspended in step 6 1 8 = if the customer has requested a payment instrument, then the procedure 600 determines whether the request is in test step 620 Authorized. If the request is not authorized, the client is notified at step 622, and the call ends at step 6 16 and the procedure 600 is terminated at step 6 i 8. Otherwise, if it is determined at test step 620 that the request is authorized Then, the program 600 will ask the customer at step 624 if they want to print the requested payment instrument now or later. If the customer wants to print the payment instrument now, then at step -39 t the paper size applies the Chinese National Standard (CNS) Λ4 regulation Cotton (2 丨 0X297) 犮 Please read the remarks again! (Page binding of the Central Consumers Bureau of the Ministry of Economic Affairs, Consumer Consumption Co-operation Seal 414877 A? B7 V. Description of the invention (37) 624 pairs and transfer the payment instrument 3 No verbalization, each corpse on the right wants to print the payment instrument later. Then, in step 626, the distribution information of the payment instrument is stored. Once the payment instrument has been printed in step 628 or the point is stored in step 626: information ', the process 600 is terminated in step 618. Figure Π illustrates a non-interactive mode program 65 for a fixed $ distributor 48 or a broadcastable portable distributor 50 (Figure 1). From the menu on the dispenser or 50 (Figure 1), select the automatic mode 3 miles # energy table option or the fast cash menu option to start the non-interactive mode program 65 〇 Once the program 650 is in step 652 starts, that is, in step 654, the function table and the prompt are displayed to the bank customer ', and the customer enters the required information to generate a payment instrument request ^-Once a payment instrument request has been generated', the process 65 is at the distributor 48 or 5 0 (Figure 1) Start a modem 'and call Bank Computer 32 (Figure 1) at Step 6 6 = Communication between Bank Computer 32 (Figure 1) and Dispenser 48 or 50 (Figure 1) has been established After that, the payment instrument request is transmitted to the bank computer 32 (picture) at step 6 5 8 and the response of the payment instrument request is received at the distributor 48 or 50 (picture 1). This response contains a denial notice 'or authorization notice and / or distribution information, and once a response is received, the call is terminated at step 660. The central government of the Ministry of Economic Affairs of the People's Republic of China has set a tight seal for the poverty alleviation cooperatives of employees. Once the call is terminated, the program 650 determines from the response in test step 662 whether the payment instrument request is authorized. If it is determined at test step 662 that the request is not authorized, then program 650 notifies the bank customer of the rejection at step 664 and terminates program 650 at step 672. Otherwise, if it is determined in test step 662 that the request is authorized, then program 650 then tests 666 in step 666 to determine whether the customer thinks about the payment instrument currently or later to print the request. , In the footsteps 6 6 8 -40-^^ ¾i Chinese National Standards (CNS) Λ4 specifications (2IOx 297 public 犮 414 877 V. Description of the invention (38 Α7 B? Printed by the Ministry of Economic Affairs Central Standards Bureau employee consumer cooperatives ^ The storage side pays the tool g times. G 刀 恁 β 妁 for printing later. Otherwise, if the judgment customer wants to print the requested Qiong Η, ik,. ,,, ', 乂 payment tools, then In step 670, printing is also distributed to the requested payer and ^. If the distribution payment tool has been stored in step 60S, or the payment tool is corrected in step 670 / X, the process is 65. 672 Aborted. Ν Figure 18 shows the receiving and distribution procedures performed in the π-only receiving distributor 46, fixed-position distributor 48, or chicken-type portable distributor 50 (Figure 1). "Figure: Once the program 700 starts at step 702, and the program 700 is divided into steps 46, 48, or 0 (Figure 1), etc. at step 704. To receive a call, or press-the print key or select a menu option on the dispenser 46, 48 or 50 (Figure 丨).-Once you have called, or have selected a print key or menu Option, and the order 700 is to determine whether a call or print request has been received in the test step kick-706. If it is determined that a call has been received, then the program 700 then starts the distributor 46 '48 or 50 (at step 70s). Figure 1) and answer the call.-Once the call has been answered, the program 700 receives the data from the bank computer 3? (Figure 1) at step 710 and ends the call at step 7 12. Aborted Call service, the program 700 turns on the payment instrument receiving indicator or displays a payment instrument receiving message on the dispenser 46, 48 or 50 (Figure 1) and returns to step 704 to wait for another call or wait in line If the call is not received in test step 70 6, the program 7 00 will report to the distributor 4 6 '4 8 or 5 0 (Figure 1) at step 7 6 (Figure 1). Bank customer or payment instrument recipient) to receive payment instrument identification information and Mima. Use a payment instrument Identify the information and find out more of the expected ones in the payment instrument, so that the distribution information is stored in the-special distributor 4 6, 4, 8 or 5 0 (-41-^ if · ί ---- ^ --- ;-Ϊ 衣! '«(Please read the precautions on the back before filling out this page) Ding * τ 涑 The paper's dimensions are applicable to the Chinese National Standard (CNS) Λ4 grid (210X297) 苁 ~~~- -A7 ----- 5. Explanation of the invention (39) Picture! 3) The payment instrument identification information may include any distribution information transmitted from the bank computer 32 (Figure 1) to the distributor 46, 48 or 50 (Figure 1), and preferably includes an account number and a payment instrument number # t U After inputting the payment instrument identification information and password: the process 700 determines whether the password is valid at step% 718. This can be compared by comparing the entered password with the stored in the dispenser 46, 48 or) 0 (Figure 1) And complete the password or password included in the corresponding distribution information. If it is determined that the password is valid, the requested payment instrument is printed and distributed at step 72. Once the payment instrument is requested in step 720, or if it is determined that the input password is invalid in test step 7 1 8, the program returns to step 704 to wait for another call or print request. Therefore, (a kind of system for inviting and distributable transferable payment instruments) and bank = j Bank customers can use a portable hand-held dispenser to request and receive orders; agricultural payment instruments, and banks Customers can request printing from one device to allow 1-inch tools to be distributed from another device. It will be understood that the above is a description of the principles of the present invention, and those skilled in the art will not deviate from the sum of the present invention. God and sacrifice can be modified in various ways, but the scope of the present invention should only be limited by the attached patent application park. _I f 装 一 / 1 *: (#First read the notes on the back Α ^ Γϊό · 本 苋) Printed by the Central Standards Bureau of the Ministry of Economics and Consumers, only the Consumer Cooperatives ¾ -42-This paper size is applicable to the Chinese country; --- + (CNS) 8 4 坭 祜 (210X 297)

Claims (1)

..Ϊ Printed by Shellfish Consumer Cooperative, Central Bureau of Standards, Ministry of Economic Affairs, Patent No. 871 丨 5829_Application for Amendment of Patent Application Park (June S9) 2. 3. 4. 5. A8 B8 C8 D8 414877 A system used by a bank customer to request and distribute-transferable payment instruments, the system includes: a bank computer; a communication network 'connected to the bank computer; A device 'communicates with the bank computer through the communication network used by the bank customer to make a request for a transferable payment instrument to the bank computer. The request includes the name of the dispenser that does not specify the device; and The sender 'communicates with the bank computer through the communication network specified by the name of the sender, and receives information from the bank computer to make the payment tool distributor distribute the transferable payment instrument. For example, the system of the first scope of patent application, in which the device is a customer + words. ^ If the system in the scope of patent application item 丨 brain = If the system in the scope of patent application item 1 Set up a dispenser. For example, the system of patent application No. 1 is a hand-held dispenser. For example, the system in the scope of patent application No. 1 is a only-distribution dispenser. For example, the system of the patent application Fanyuan No. 1 is a fixed position dispenser. For example, the system for applying for the patent No. 1 is a portable hand-held dispenser. Where the device is a customer's electricity, where the device is a fixed P, where the device is an accessible device, where the payment instrument dispenser, where the payment instrument dispenser, and which payment instrument dispenser • n ^ i.k. Order _ This paper ruler Qi Cai Guan Jia Pi (CNSU ^ (21〇x 297 ^) .. 专利 Patent No. 871 丨 5829 printed by the Central Standardization Bureau of the Ministry of Economic Affairs, Shellfish Consumer Cooperative, Ltd._ Please apply for a revised patent model park (June S9) 2. 3. 4. 5. A8 B8 C8 D8 414877 A system used by a bank customer to request and distribute-transferable payment instruments, the system includes: a bank computer; a communication network 'connected to the bank computer; A device 'communicates with the bank computer through the communication network used by the bank customer to make a request for a transferable payment instrument to the bank computer. The request includes the name of the dispenser that does not specify the device; and The sender 'communicates with the bank computer through the communication network specified by the name of the sender, and receives information from the bank computer to make the payment tool distributor distribute the transferable payment instrument. For example, the system of the first scope of patent application, in which the device is a customer + words. ^ If the system in the scope of patent application item 丨 brain = If the system in the scope of patent application item 1 Set up a dispenser. For example, the system of patent application No. 1 is a hand-held dispenser. For example, the system in the scope of patent application No. 1 is a only-distribution dispenser. For example, the system of the patent application Fanyuan No. 1 is a fixed position dispenser. For example, the system for applying for the patent No. 1 is a portable hand-held dispenser. Where the device is a customer's electricity, where the device is a fixed P, where the device is an accessible device, where the payment instrument dispenser, where the payment instrument dispenser, and which payment instrument dispenser • n ^ i.k. _ _ This paper ruler Qi Cai Guan Jia Pi (CNSU ^ (21〇x 297 ^) Central Bureau of Standards, Ministry of Economic Affairs, Shellfish Consumer Cooperative, India, 414877 β A8 B8 C8 --- ^ _ D8, patent application scope '~~ species A system used by bank customers to request and distribute a transferable payment instrument, the system includes: a device 'used by a bank customer to generate and make a transferable payment instrument's voice request;' a communication network; a bank computer 'connected to The communication network communicates with the device through the communication network 'and receives and processes the voice request of the transferable payment instrument: and a payment instrument distributor communicates with the bank computer through the communication network' and from the bank computer Receiving the information causes the payment instrument dispenser to distribute the transferable payment instrument. Ίο. For example, the system of item 9 of the scope of patent application, which also uses the device to receive information from · 1¾ The information of the bank computer makes the device distribute the transferable payment instrument. 丨 丨 .If the system of item 9 of the patent application is applied, the bank computer receives the voice request through the voice recognition system integrated with the child bank computer 12. If the system of claim 9 of the scope of patent application is printed, the bank computer receives a far-reaching request by a bank person inputting data into a terminal connected to the bank computer, and the bank personnel communicate with the bank customer . 13. If the system of the scope of patent application is item 9, the device is a customer phone. 14. If the system of the scope of patent application is item 9, the device is a fixed position dispenser that is operating in the telephone operation mode. 15. If the system of item 9 of the scope of patent application is filed, the device is in accordance with the standard of China National Standards (CNS) Α4 (210X 297 cm) in the size of a 2-line paper, II: n.. II Order- f 1/1 ^ (Please read the precautions on the back before filling this page) Printed by the Central Consumers Bureau of the Ministry of Economic Affairs, Consumer Cooperatives 414877 Α8 BS C8 -------- D8 Portable Handy Dispenser operating in the operating mode = 16. —A type—a system used by bank customers to request and distribute a negotiable payment instrument'The system contains: '— a device used by a bank customer to generate and Make a request for dual tone multi-tone of transferable payment instruments; a communication network; 'Genxing Telecom' is connected to the communication network 'to communicate with the child device through the communication network, and receive and process the dual transfer instrument Multi-frequency request; and ° payment instrument dispatcher, communicates with the bank computer through the communication network, and receives information from the bank computer, so that the payment instrument dispatcher distributes transferable payment instruments. 17. For the system under item 16 of the patent application, the device is also used to receive information from the bank's computer, so that the device distributes the transferable payment instrument. 18. If the system of claim 16 is applied for, the device is a customer phone. 19. The system as claimed in item 16 of the patent, wherein the device is a fixed-position dispenser operating in a telephone operating mode. 20. The system of claim 16 in which the device is applied, wherein the device is a portable hand-held dispenser operating in a telephone operating mode. 21. —A system for requesting and distributing a negotiable payment instrument, the system includes: a bank computer; -3- This paper is determined by the Chinese National Standards (CNS) A4 specification (2 〖〇X 29 了 公^) ^ ^% ^ Syria ------- ΪΤ ------ / 1 ^ (Please read the notes on the back before filling out this page) 414877 A8 B8 C8 m 6. Apply for a patent ϋϊ ^ ^ (Please read the precautions on the back before filling this page) Communication network, connect to the bank computer; and. Payment tool distributor, communicate with the bank computer through the communication network = 接收 Receive distribution information from the bank computer 俾Make the payment instrument dispenser knife ¾ transferable payment instrument 'and receive change information from the bank computer to control how the payment instrument dispenser handles the distribution information. The system of item 21 of Shishen's patent scope, wherein the change information prevents the payment instrument distributor from distributing the negotiable payment instrument. 2Gongru claims the system of item 21 of the patent scope, wherein the change information corrects one item of the distribution information. 24- —A system for requesting and distributing a transferable payment instrument to a payment instrument forklift, the system includes:-a bank computer;-a communication network connected to the bank computer; and a payment instrument distributor 'Communicate with the bank computer through the communication network' to receive distribution information from the bank computer to enable the payment instrument dispenser to distribute transferable payment instruments' and allow recipients to delay distribution after receiving the distribution information Transfer payment instruments for a period of time. Printed by the Central Standards Bureau, Ministry of Economic Affairs, Consumer Cooperatives—A portable hand-held dispenser that allows a bank customer to request and distribute a transferable payment instrument. The dispenser includes: a radio frequency receiver, capable of Receiving distribution information of a transferable payment instrument from a bank computer through a wireless communication link; a microprocessor connected to the radio frequency transmitter, receiving the distribution information from the radio frequency transmitter, and according to the distribution Information to produce printing information; a printer connected to the microprocessor and receiving the -4 from this microprocessor-this paper music is again applicable to the Chinese National Standard (CNS) Α4 specification (210 × 297297) 41467 # ABCD Central Government Bureau of the Ministry of Economic Affairs, Shellfish Consumer Cooperatives, Inc. 6. Printing patent information in the scope of patent application 'and printing the transferable payment instrument when receiving the printing information from the microprocessor; a battery that provides power to the microcomputer A processor, the radio frequency transmitter, and the printer; and a dispenser body 'receiving the radio frequency transmitter, the microprocessor, the printer', and the battery, and having a size To allow bank customers to carry the weight of the dispenser with one hand. 26. For example, the portable portable dispenser of the scope of application for patent No. 25 further includes a keyboard connected to the microprocessor 'and allows a bank customer to provide a telephone mode command to the microprocessor, wherein the keyboard When a bank customer receives the telephone mode instruction, the microprocessor causes the portable portable dispenser to operate as a telephone. 27. For example, the portable hand-held dispenser of the patent application No. 25, further includes an external device interface 'for transmitting data from the portable hand-held dispenser to an external device. 28. A method for requesting and distributing a negotiable payment instrument, the method includes: using a device to generate at least part of a negotiable payment instrument ', wherein the at least part of the request includes a designation that is not one of the devices The name of the payment instrument dispenser; making the at least part of the request from a device to a bank computer through a communication network; and receiving information from the bank computer at the designated payment instrument dispenser through the communication network to make the specified payment Tool Dispenser Distribution of Transferable Support _ _5_ f Paper Translation Standard Applies to Chinese National Standards (CMS > A4 is now available (210X297 public epidemic J ~ (please first read the note on the back before filling in this page) k. Order Economy. 邺 Central Government led bureau shellfish consumer cooperation Du printed 414877 A8 BZ C8 -------- D8 VI. Application scope of patents ^ ---- Payment tools. The method of 28 items, in which the device is-·. Tun 30. The method of item 28 in the scope of patent application, wherein the device is-brain. 31. The method of 28 items in the scope of patent application, wherein the Device Department— Fixed position dispenser. 32. If the method of the scope of patent application is No. 28, where the device is a portable portable dispenser. 33. If the method of applying for the patent range of $ 28 ', the payment instrument is divided into The dispenser is a collection-only dispenser. 34. If the method of the scope of patent application is No. 28, wherein the payment instrument dispenser is a fixed-position dispenser. A If the method of the scope of patent application is No. 28, The payment instrument dispenser is a portable handheld dispenser. 6_ —A method for requesting and distributing a transferable payment instrument 'The method includes: using a device to generate and propose through a communication network The transferable payment instrument is to be heard—bank computer; to receive and process the voice request for transferable payment instrument; and—the payment instrument dispatcher receives information, which communicates with the bank computer through the communication network, 俾Make the payment instrument dispenser to distribute the transferable payment instrument. 37. The method of item 36 of the patent application scope is also included in the device from the bank-6-this paper (standard) using the Chinese Gujia ladder standard < CNS ) Α 4 specifications (210 × 297 mm) (please read the precautions on the back before filling this page) narrative. Ordered by the Central Standards Bureau of the Ministry of Economic Affairs, Pui Gong Consumer Cooperatives, India 414877 A8? 88 —---- 08_16. Apply for a patent The range computer receives the information, so that the device distributes the transferable payment instrument. 38. For example, please call the method of Patent Fanyuan Item 36, wherein receiving the voice request includes receiving the voice recognition system through a voice recognition system integrated with the bank computer. 39. The method of claim 38, wherein receiving the voice request includes receiving the voice request by a bank person entering a data into a terminal connected to the bank computer, and the bank person and the bank Customer communications. 40. The method as claimed in the scope of patent application 36, wherein the device is a customer telephone 0 41 ‘The method as claimed in the scope of patent application 36, wherein the device is a fixed position dispenser operating in a telephone operation mode. 42. The method of claim 36 in which the device is applied, wherein the device is a portable hand-held dispenser operating in a telephone operating mode. 43. A method for requesting and distributing a transferable payment instrument, The method includes: using a device through a communication network to generate and submit a dual-tone multi-tone request for a transferable payment instrument to a bank computer; receiving and processing the dual-tone multi-tone request for a transferable payment instrument; and The payment instrument distributor receives information, and communicates with the bank computer through the communication network, so that the payment instrument distributor distributes the transferable payment instrument. 44. The method of claim 43 in the scope of patent application further includes that the device receives information from the bank computer, so that the device distributes the transferable payment instrument. _______- 7- This paper size applies Chinese National Standards < CNS) A4 Grid (21〇x 291 ^) -------- ---- If If -------- Order- ------ ί Please read the notes on the back before filling in this page) Employees' Cooperatives of the Central Procurement Bureau of the Ministry of Economic Affairs, India Ben 414877 A8 B8 C8 ------------ D8 Six patents please ^ 45. If the method of applying for the patent No. 43 in the patent application, where the device is-customer electricity 46. If the method of applying for the patent No. 43, in which the device is a fixed position dispenser operating in the telephone operation mode . 47. The method of claim 43 in which the device is a portable hand-held dispenser that is operating in a telephone operating mode. 48. A method for requesting and distributing a transferable payment instrument, the method comprising: receiving distribution information from a bank computer via a communication network at a payment instrument distributor to make the payment instrument distributor Distributing the transferable payment instrument; and The bank computer receives change information to control how the payment instrument dispatcher handles the distribution informationa 49. The method of item 48 of the patent application, further includes making the payment instrument The dispenser cannot distribute the negotiable payment instrument in response to receiving the change. 50. If the method in the 48th scope of the patent application includes a change in the distribution information in response to receiving the change information. 51. A method for requesting and distributing a transferable payment instrument to a payment instrument recipient, the method comprising: receiving distribution information from a bank computer to cause a payment instrument dispenser to distribute the transferable payment instrument ; Receive a request from the recipient of the payment instrument to suspend the transfer of the transferable payment instrument; and delay the distribution of the transferable payment instrument for a period of time after receiving the distribution information. (CNS > Μ Washer (210 X 297 mm) (Please read the precautions on the back before filling out this page) Order No. 1 on the scope of patent application A8 B8 C8 D8 Printing Office of the Employees' Cooperatives of the Central Procurement Bureau of the Ministry of Economic Affairs. 52. A method for requesting and distributing payment tools in a portable hand-held dispenser, the method comprising: using radio frequency transmission and receiving transferable payment tools from a bank computer through a wireless communication link Distribution information; a microprocessor receives the distribution information from the radio frequency transmitter; uses the microprocessor to generate printing information based on the distribution information; a printer from the micro The printer receives the printing information; when receiving the printing information from the microprocessor, using the printer to print the transferable payment instrument; using a battery to provide power to the microprocessor and the RF transceiver, And the printer; and the radio frequency receiver, the microprocessor, the printer, and the battery in a dispenser body, which has a size and weight to allow a bank customer to carry the bank with one hand 5j. The method according to item 52 of the patent application, further comprising, through a keyboard, when the microprocessor receives a telephone menu selection from a bank customer, the portable handheld The dispenser operates as a telephone. 54. If the method of claim 52 is patented, it further includes transmitting from the portable portable dispenser through an external device interface in the portable portable dispenser. Data to an external device. 55. A portable hand-held dispenser that allows a bank customer to request and distribute a transferable payment instrument, the dispenser includes: a radio frequency transceiver that can pass through a wireless communication link And from a bank computer (please Read the precautions on the reverse side before filling out this page)-Binding-Order -9- This paper size is applicable to China National Standards of Ladder (CNS) A4 Regulation Pan (2! 0 × 297 public directors) Central Sample Rate Bureau, Ministry of Economic Affairs, Shellfish Consumer Cooperative Printed ^ 14877 as B8 C8 _______ D8 ____ 夂, patent application scope to receive distribution information of transferable payment instruments;-keyboard 'allows bank customers to propose a folder mode command; a microprocessor' is connected to the RF transceiver And the keyboard, receiving the distribution information from the radio frequency transmitter, generating print information based on the distribution information, 'receiving the folder mode command from the keyboard, and when receiving the building mode command, making The portable hand-held dispenser operates as a folder; a printer is' connected to the microprocessor, receives the data from the microprocessor] and receives the queue from the microprocessor. When printing information, 'print transferable payment tools; a battery' provides power to the microprocessor, the RF transceiver, and the printer; and a dispenser body that houses the RF transceiver and the microprocessing Device, the keyboard, the printer, and the battery, which have a size and weight to allow a bank customer to carry the portable portable dispenser with one hand. 56. For example, the portable hand-held dispenser of the 55th patent application scope further includes a keyboard connected to the microprocessor, and allows bank customers to submit a telephone mode instruction to the microprocessor, and through the keyboard, When receiving a telephone mode instruction from a bank customer, the microprocessor causes the portable portable dispenser to operate as a telephone mode instruction. 57. A method for requesting and distributing a negotiable payment instrument in a portable hand-held dispenser, the method comprising: using a radio frequency receiver to receive a Distribution information for transfer of payment instruments; This paper iron scale is applicable to China National Standards (CNS > A4 wash grid (2 丨 0X297 mm) (Please read the precautions on the back before filling out this page) '装 _ 414414 The scope of patent application is that a microprocessor receives the distribution information from the radio frequency transmitter; uses the microprocessor and generates print information based on the distribution information; receives the printer from the microprocessor in a printer Print information; when the print information is received from the microprocessor, use the printer to print the transferable payment instrument; use a battery to provide power to the microprocessor, the RF transceiver, and the print Through a keyboard when the microprocessor receives a folder mode instruction from a bank customer > operating the portable hand-held dispenser as a folder; and housing the radio frequency transmitter, the micro The processor, the printer, the keyboard, and the battery are in a dispenser body that has a size and weight to allow bank customers to carry the portable portable dispenser with one hand. 58. The method of claim 57 further comprises using the keyboard to operate the portable handheld dispenser as a telephone when the microprocessor receives a telephone menu selection from a bank customer. f Please read the precautions on the back before filling in this form. It will be printed by the Co-operative Cooperative of the Central Samples Bureau of the Ministry of Economic Affairs. 11-This paper size applies to the Chinese National Standard (CNS) A4 (210X2! > 7 mm).