CN1269894A - Personal banking machine - Google Patents

Personal banking machine Download PDF

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Publication number
CN1269894A
CN1269894A CN 98808897 CN98808897A CN1269894A CN 1269894 A CN1269894 A CN 1269894A CN 98808897 CN98808897 CN 98808897 CN 98808897 A CN98808897 A CN 98808897A CN 1269894 A CN1269894 A CN 1269894A
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China
Prior art keywords
user
user interface
automatically
information
processing unit
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CN 98808897
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Chinese (zh)
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丛·D·朵
纳特·特伦格·哈
迈克尔·L·瑟尔斯
菲珀·茵音·孙
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城市集团发展中心有限公司
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Publication of CN1269894A publication Critical patent/CN1269894A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self- service terminals [SSTs], vending machines, kiosks or multimedia terminals
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]

Abstract

一种用于执行银行业务交易和获得关于银行业务产品和服务的信息的方法和系统(2)。 A method for performing banking transactions and access to methods and systems on banking products and services information (2). 该系统(2)包括用于执行银行业务交易的特征。 The system (2) includes a feature to perform banking transactions. 交易功能包括诸如申请和接收支票(13)、银行信用卡(14)、开设帐户(15)、申请贷款(20)以及访问因特网(23)等服务。 Features include transaction such as request and receive a check (13), bank credit card (14), opening an account (15), apply for a loan (20) and access to the Internet (23) other services. 系统(2)还包括信息功能,允许用户获得关于储蓄帐户(19)、借贷(20)、家庭银行业务(21)、旅游相关服务(22)的信息以及从因特网检索的信息。 System (2) also includes information, allowing users to get borrowing (20), home banking information (21), travel related services (22), and information about savings accounts (19) retrieved from the Internet. 系统(2)还提供各种银行产品和服务的演示(24)。 System (2) also provides a variety of banking products and services presentations (24). 系统(2)允许客户和非客户在不需要与客户服务代表或本地银行职员相联系或从其得到帮助的情况下在24小时或延长的工作时间环境中执行这些功能。 System (2) allows customers and non-customers to perform these functions in 24 hours or extended working hours without the need for an environment associated with a customer service representative or a local bank staff or get help from.

Description

个人银行业务机 Personal Banking Machine

发明领域本发明一般地涉及用于银行客户和非客户执行金融交易并获得关于银行业务产品和服务的银行业务方法和系统。 Field of the Invention The present invention relates generally to bank customers and non-customers to perform financial transactions and access to methods and systems for banking on banking products and services. 本发明允许用户建立一个新的银行业务关系。 The present invention allows a user to create a new banking relationship. 本发明包括执行和完成银行交易、例如获得支票、银行信用卡和帐户信息以及建立新帐户等特征。 The present invention includes the implementation and completion of banking transactions, such as access to checks, bank and credit card account information and create a new account and other features. 本发明的其他方面使得用户能够在任何地点任何时间获得关于银行业务产品和服务的信息以及来自因特网的信息,而无须传统上的本地银行业务客户服务代表的帮助。 Other aspects of the invention enables a user to obtain information and information about banking products and services from the Internet at any place at any time, without the help of local banking customer service representatives on the tradition.

客户对于银行在支行级的一天24小时、一周七天的全能服务的需求越来越大。 For bank customers 24 hours a day at the Branch level, the demand seven days a week all-around services is growing. 近来,在本地级提供的自助银行业务产品和服务,被限制在诸如取款、存款和帐户贷借对帐单的交送等简单功能。 Recently, in self-service banking products and services provided by the local level, it is limited, such as withdrawals, deposits and credit account statements sent by post and other simple functions. 在正常营业日工作时间期间没有本地银行职员的直接帮助下,银行客户还不能获得越来越复杂的信息并执行作为该信息的实质内容的相关交易。 During normal business hours the next day does not directly help the local bank staff, bank customers can not get the information and perform increasingly complex as the substance of the information related to the transaction.

为了满足这个需求,银行正寻求将传统支行的一部分转变成一个“个人空间”,其中客户和客户代表都得到更好的装备,以满足客户越来越复杂的金融需求。 To meet this demand, the bank is seeking to change the traditional branch as part of a "personal space" in which customers and customer representatives have been better equipped to meet customers' increasingly complex financial needs. 这种转变将导致基于信息的银行业务被综合进一个零售空间,该零售空间现在几乎专门致力于常规的基于交易的银行业务。 This shift will result in integrated into a retail space-based banking information, the retail space is now almost exclusively dedicated to conventional banking based transactions.

未来的银行将使得客户能更好地控制他们的金融利益,这是为其任何客户提供完善的货币管理的所有金融机构的目标的基础。 Future Bank will enable customers to better control their financial interests, which is to provide basic goal of all financial institutions to improve the management of its currency any customer. 这个目标由将先进技术引进分行环境所支持,例如对因特网的访问、自助帐户功能、家庭银行业务、全球产品和服务。 This goal is supported by the introduction of advanced technology branch environment, such as access to the Internet, self-service account features, home banking, global products and services. 这个技术允许客户和非客户得到在零售银行业务(retail banking)中提供一个真实的市场差别的信息和交易。 This technology allows customers and non-customers get a real difference in the market retail banking (retail banking) information and transactions.

最后,客户正开始在本地分行级执行的活动在性质上不同于以前所完成的那些活动。 Finally, customers are beginning to perform the activities of the local branch level differ from those activities previously done on the property. 不考虑在客户间的越来越多的远程访问通道,显然,对于可预见的未来,金融机构的世界范围内的分行对于银行客户和非客户将继续是十分重要的。 Is not considered among the growing number of remote client access channels, apparently, for the foreseeable future, the branch of the worldwide financial institutions for bank customers and non-customers will continue to be very important. 因此,需要致力于并影响世界发围内的几百万客户,同时向分行内客户和非客户高效地传递优越的产品和服务。 Therefore, the need to focus on and affect millions of customers around the world around the hair, while delivering superior products and services to customers and non-customers in the branches efficiently.

个人银行业务机(PBM)满足了银行的三个主要需求:1)在24小时或延长工作时间的环境中服务于客户和非客户,而不需要一个客户服务代表或本地银行职员的交互或帮助,包括在银行业务关系中非客户的登记,2)向客户和非客户提供银行业务产品和服务信息,以及3)向客户提供执行银行业务交易的能力。 Personal Banking Machine (PBM) to meet the needs of three major banks: 1) in 24 hours or longer working hours in an environment of service to customers and non-customers, without the need for a customer service representative or local bank staff interaction or help , including Bank of China-Africa relations in the business customer registration, 2) provide banking products and services to customers and non-customers, and 3) provide customers with the ability to perform banking transactions.

PBM还有助于增大客户和潜在客户的数量。 PBM also help to increase the number of customers and potential customers. 他们会被这个新的并且方便的获取信息和产品的方式所吸引。 They will be attracted to this new and convenient way to access information and products. 由于本地支行职员将会把主要精力集中于帮助客户上,所以其可用于信息和交易的自助功能的出现是PBM的一个非常重要的方面,而这些信息和交易当前都需要一个银行人员或银行出纳员。 Since the local branch of the staff will be concentrating its efforts on helping customers, so it can be used for information and appear self-service capabilities of the transaction is a very important aspect of PBM, and these information and transaction currently requires a bank teller or bank staff member.

本发明的一个目的是通过允许在本地支行级对信息和交易的24小时访问来满足银行客户和非客户的需要。 An object of the present invention is by allowing 24 hour access to information and transaction banking clients and to meet customer needs in the non-local Branch level. 本发明的另一个目的是向一个不是客户的用户提供通过访问和操作PBM而建立银行业务关系的能力。 Another object of the invention is to provide the ability to establish banking relationships and operations through access to a PBM is not a client of the user.

本发明的一个目的是向用户提供关于银行储蓄帐户、贷款以及家庭银行业务、有关旅游服务的信息。 An object of the present invention is to provide users with bank savings accounts, loans, and home banking, information about travel services. 基于因特网的信息也可以得到。 Internet-based information is also available. 还可以由本发明提供各种银行产品和服务的演示。 It can also provide a variety of banking products and services presentations by the present invention.

本发明的一个目的是允许作为银行客户的用户执行诸如获得支票、银行信用卡、开设和改变银行帐户的银行业务交易。 An object of the present invention is to allow a user to perform banking customers such as access to checks, bank credit cards, banking transactions and changes in open bank accounts. 另外,本发明允许用户执行基于因特网的银行业务交易。 In addition, the present invention allows the user to perform banking transactions on the Internet.

本发明的一个目的是在高峰或非高峰时间不需要客户服务代表的情况下提供这些信息和允许执行这样的交易。 An object of the present invention is to provide information and allow execution of such transactions during peak or off-peak time without the need for customer service representatives.

为了实现本发明的上述和其他目的,如同下面所实施和描述的,本发明包括一种通过允许用户通过用户界面访问PBM而使用户获得金融信息和执行银行业务交易的方法,其中用户界面自动提示用户输入用户识别数据。 To achieve the above and other objects of the present invention, as embodied and described below, the present invention includes a user access by allowing the user access to financial information on PBM and methods for performing banking transactions through the user interface, wherein the user interface automatically prompts the user inputs user identification data. 在用户输入这种识别数据之后,界面将数据发送给一个具有数据库的远程处理单元,在这里数据被核对,并自动确定用户是一个已有帐户持有者还是一个非客户。 After the user enters such identification data, the interface transmits the data to a remote processing unit has a database, where the data is checked, and automatically determines that the user is a non-existing account holder or a customer. 远程处理单元然后将数据库信息发送给用户界面,根据该信息显示一个功能菜单,并由用户进行选择。 Remote processing unit then sends the database information to the user interface, based on the information display a function menu, selection by the user. 用户界面然后提示用户输入被选择功能的数据,然后由PBM进行执行。 The user interface then prompts the user to select data input function is then executed by the PBM.

本发明的其他目的、优点和新颖特征,一部分将在以下的说明中给出,另一部分将在对本发明进行研究或对本发明的实践进行学习之后对于本领域普通技术人员来说变得显而易见。 Other objects, advantages and novel features of the present invention, will be given in the following part of the description, the other part will be studied in the present invention after learning or practice of the invention will become apparent to those of ordinary skill in the art.

附图简要说明在附图中,图1显示了本发明的一个实施例的PBM工作站的总体视图;图2显示了本发明的一个实施例的PBM的中心偏右视图;图3是本发明的一个实施例的工具功能组的方框图;图4是本发明的一个实施例的交易工具功能的方框图;图5是本发明的一个实施例的用户以银行信用卡访问PBM的过程步骤的流程图;图6是本发明的一个实施例的用户通过触摸屏访问PBM的过程步骤的流程图; BRIEF DESCRIPTION OF THE DRAWINGS In the drawings, FIG. 1 shows a general view of a workstation PBM embodiment of the present invention; Figure 2 shows a central PBM embodiment of the present invention, partial right side view; FIG. 3 of the present invention is a block diagram of a functional group of tool according to an embodiment; FIG. 4 is a block diagram of the present invention, the transaction tool functionality according to an embodiment; FIG. 5 is a flowchart showing process steps of the present invention, a user accessing embodiment PBM to bank credit cards embodiment; FIG. 6 is a flowchart showing process steps of one embodiment of a user of the present invention is accessed via a touch screen PBM;

图7是本发明的一个实施例的用户以由另一个银行业务机构发行的银行信用卡访问PBM的过程步骤的流程图;图8是本发明的一个实施例的用于开设一个帐户的过程步骤的流程图;图9是本发明的一个实施例的用于从PBM获得支票的过程步骤的流程图;图10是本发明的一个实施例的用于从PBM获得银行信用卡的过程步骤的流程图;图11显示了本发明的一个实施例的PBM用户界面的触摸屏部分;图12展示了本发明的一个实施例的提示用户选择一个PBM银行业务服务的屏幕;图13显示了本发明的一个实施例的带有图形用户键盘的屏幕;图14A展示了本发明的一个实施例用于开设一个帐户的屏幕,其中该屏幕包括用于输入用户个人信息的图形用户键盘;图14B显示了本发明的一个实施例的用于开设一个帐户的屏幕;图14C显示了本发明的一个实施例的允许用户选择要开设的帐户 FIG 7 is a flowchart showing process steps of a user of the embodiment of the present invention in banking issued by another bank card access PBM mechanism; Figure 8 is an embodiment of the present invention is a process for the creation of an account of the procedure of flowchart; FIG. 9 is a flowchart of a process for obtaining the check from step PBM an embodiment of the present invention; FIG. 10 is a flowchart of a process for obtaining a credit card from a bank PBM steps of one embodiment of the present invention; Figure 11 shows a touch screen portion PBM user interface according to one embodiment of the present invention; FIG. 12 shows prompting the user to an embodiment of the present invention to select a PBM banking services screen; FIG. 13 shows an embodiment of the invention embodiment with a graphical user screen keyboard; FIG. 14A shows a screen embodiment of the present invention for opening an account, wherein the screen includes a keyboard for inputting a user a graphical user personal information; FIG. 14B shows the present invention Example screens for the opening of an account; FIG. 14C shows an embodiment of an account allows the user to select the present invention to be opened 型的屏幕;图14D显示了本发明的一个实施例的出现客户服务代表的图象的屏幕;图14E显示了本发明的一个实施例的允许用户选择一个从其将钱转移到新帐户的帐户的屏幕;图14F显示了本发明的一个实施例的帐户协议和用户签名;图14G显示了本发明的一个实施例的显示成功完成帐户开设的屏幕;图15A显示了本发明的一个实施例的向客户展示选择不同类型支票的选项的屏幕;图15B显示了本发明的一个实施例的开始支票屏幕;图15C显示了本发明的一个实施例的开始支票并通知用户请求状态;图15D显示了本发明的一个实施例的补充支票屏幕;图15E显示了本发明的一个实施例的补充支票,并展示用于进行或完成补充支票功能的各种选项;图15F显示了本发明的一个实施例的在客户已经选择了打印补充支票之后出现的屏幕;图15G显示了本发明的一个实施例的出纳 Type screen; FIG. 14D shows a screen image of a customer service representative embodiment of the occurrence of the embodiment of the present invention; FIG. 14E shows an embodiment of the present embodiment allows the user to select the invention to transfer money from one account to the new account screen; FIG. 14F shows the account protocol and user of the present embodiment of the invention the signature; FIG. 14G shows a shows an embodiment of the present invention successfully completed account setup screen; FIG. 15A shows an embodiment of the present invention is show the customer's screen to choose different types of check option; FIG. 15B shows the beginning a check screen to an embodiment of the present invention; FIG. 15C shows the beginning check an embodiment of the present invention and to inform the user requests the state; FIG. 15D shows a replenishment check screen of the present invention embodiment; FIG. 15E shows a replenishment check embodiment of the present invention and showing various options for complete or supplemental check function; FIG. 15F shows an embodiment of the present invention. the customer has selected a check screen that appears after printing supplementary; FIG. 15G shows a cashier embodiment of the present invention embodiment 员支票屏幕;图15H显示了本发明的一个实施例的出纳员支票,并展示用于进行或完成出纳员支票功能的各种选项;图15I显示了本发明的一个实施例的在客户已经选择了打印出纳员支票之后出现的屏幕;图16A展示了本发明的一个实施例的在客户选择获得银行信用卡之后出现的屏幕;图16B展示了客户的银行信用卡在被接受之前的图象;图16C显示了本发明的一个实施例的带有银行信用卡功能的用于输入信息的图形键盘和子窗口;图16D显示了本发明的一个实施例的通知客户当前在PBM内产生一个银行信用卡的屏幕;图16E展示了本发明的一个实施例的通知客户银行信用卡准备从PBM发出的屏幕;图17显示了本发明的一个实施例的显示因特网网址的PBM屏幕;以及图18展示了本发明的一个实施例的显示银行产品和服务的视觉演示的PBM屏幕。 Members check screen; FIG 15H shows a cashier check embodiment of the present invention, and showing various options for performing or completing a cashier check function; FIG. 15I shows an embodiment of the present invention has been selected at the client screen appears after the cashier check printing; FIG. 16A shows a screen that appears after the customer choose to get a credit card bank of the embodiment of the present invention; FIG. 16B shows an image before the customer's bank credit card accepted; FIG. 16C the graphical keyboard and display sub-window for inputting information with bank card functionality according to one embodiment of the present invention; FIG. 16D shows an embodiment of the present embodiment notifies the client of the current invention generates a bank credit card in PBM screen; FIG. 16E shows the present invention notifies the customer bank card to an embodiment of the setup screen emitted from PBM; FIG. 17 shows a PBM screen Internet site to an embodiment of the present invention; and FIG. 18 shows an embodiment of the invention embodiment the display of banking products and services PBM visual presentation of the screen.

PBM是一种向客户和非客户提供相关信息和诸如银行信用卡、个人支票和银行汇票等交易设备的自助方法和设备。 PBM is a method and apparatus for providing self-service information such as bank and credit cards, personal checks and bank drafts and other trading facilities to clients and non-clients.

PBM还是一种坐式终端,该终端被部分地包围,以确保私密性,可供最多两个用户并排坐在一起使用,并可容易地查看屏幕。 PBM also a sitting terminal, the terminal is partially surrounded, in order to ensure privacy, for up to two users sitting side by side with use, and can easily view the screen. 它位于一个可24小时到达的环境或一个银行分行的限定服务区内。 It may be defined in a service area reached 24 hours in the environment or a bank branch.

本发明包括一种使用户通过首先访问一个用户界面而获得金融信息和执行银行业务交易的方法和系统,包括使用终端或银行信用卡阅读设备。 The invention includes a user first accesses the user interface and a method and system for obtaining financial information and perform business transactions through the bank, including the use of terminal or bank credit card reading devices. 本发明还向用户提供了登记为银行业务客户、从而建立一个银行业务关系的能力。 The present invention also provides banking customers to register as a user, the ability to establish a business relationship with the bank. 因此,用户界面自动提示用户输入用户的识别数据。 Thus, the user interface automatically prompts the user for user identification data. 这里提供了一种用于输入用户识别数据的装置,其中,这种装置包括触摸屏或银行信用卡阅读器。 There is provided an apparatus for inputting the user identification data, wherein, the apparatus includes a touch screen or bank card reader. 数据包括用户的个人信息,包括用户个人识别号(PIN)。 Data includes the user's personal information, including the user's personal identification number (PIN). 在用户的银行信用卡上编码的信息可以通过卡阅读器输入。 Information encoded on the user's credit card bank can enter through the card reader. 因此,银行信用卡可以是各种类型的,包括信用卡、付款卡、智能卡等。 Therefore, bank credit cards can be of various types, including credit cards, payment cards, smart cards and so on.

这种数据被自动传送到一个金融机构的远程处理单元,该远程处理单元具有一个包括银行产品、服务和用户信息的数据库。 This data is automatically transmitted to the remote processing unit of a financial institution, the remote processing unit has a banking database products, services, and user information included. 远程处理单元自动核对用户识别数据,并确定该用户是客户还是非客户。 Remote processing unit automatically check the user identification data, and determines whether the user is a customer or non-customer. 远程处理单元然后将有关的金融机构数据库信息自动传送给用户界面,用户界面自动显示一个功能菜单。 Remote processing unit and the database information relating to the financial institution automatically transferred to the user interface, the user interface automatically displays a menu. 然后提示用户选择一个功能。 And then prompts the user to select a function. 用户界面自动提示用户输入所选择功能的数据,随后用户输入与所选择功能有关的数据,PBM执行所选择功能。 The user interface automatically prompts the user to input data of the selected function, the user then input data relating to the selected function, executing the selection function PBM. 一旦交易完成,则用户退回主菜单,选择另一个交易工具功能、信息工具功能或进一步退出PBM。 Once the transaction is completed, the user back to the main menu, select another trading tool features, functions or further information tool exit PBM.

用户界面提示用户输入附加信息。 The user interface prompts the user for additional information. 这个附加信息与所选择的特定功能有关。 This additional information related to the selected specific function. 例如,在借贷工具功能下,用户被要求提供她对所希望的借贷类型的喜好,例如自动或家庭资产净值(auto or home equity),以及偿还期限的长度。 For example, lending tools, users are asked to provide her preferences for the type of loan desired, such as automatic, as well as the length or household net worth (auto or home equity) repayment terms. 在另一个例子中,在个人支票工具功能中,用户被提示选择她的个人支票的美学设计。 In another example, a personal check tool functions, the user is prompted to select the design aesthetic of her personal checks.

PBM硬件被设计和构造为允许用户访问银行的计算机网络、系统、交易和信息工具。 PBM hardware is designed and constructed to allow users to access the bank's computer network, systems, transactions and information tools. PBM是一个自动银行业务和信息系统,使客户和非客户能够执行银行业务交易并获得银行业务产品和服务信息,而不需要与银行客户代表面对面地打交道。 PBM is an automated banking and information systems, enabling customers and non-customers to perform banking transactions and access to banking products and services, without having to deal face to face with the banks on behalf of customers. PBM包括一个与远程处理单元相连的终端,其中,用户输入、接收数据并使数据显示。 PBM comprises a terminal connected to the remote processing unit, wherein the user input data and receive data. 还包括与终端相连的用于获得用户信息的银行信用卡阅读设备。 Further comprising means for obtaining user information, bank credit card reading device associated with the terminal. 即使在当前的技术先进的世界中,个人签名仍然被认为是合同、例如新银行业务关系的开始的主要证据以及个人识别的一种方式。 Even in the current advanced technology in the world, the personal signature is still considered a contract, for example, the main evidence of personal identification as well as a way to start a new business relationship with the bank. 因此,在PBM中包括有与用于记录和核对用户的识别信息的终端相连的签名输入设备。 Thus, in the PBM comprises a signature input apparatus and the terminal identification information for the recording and verification of the user is connected.

PBM具有几个设备,赋予系统立即为用户服务的能力。 PBM has several devices, the system gives users the ability to immediately service. 该系统具有至少一个打印设备,所述打印设备与终端相连,用于打印银行业务信息和交易信息和摘要。 The system has at least one printing apparatus, said printing apparatus is connected to the terminal for printing and banking transaction information and digest information. 另外,在终端中包含有至少一个下投盒(drop box),所述下投盒具有一个插口,用于接收用户个人信息、储蓄和银行信件(correspondence)。 Further, in the terminal contains at least one cast cartridge (drop box), said cartridge having a lower cast socket for receiving user personal information, and savings bank correspondence (correspondence). 在终端内包含有至少一个支票存储单元,用于在分发支票之前保存支票。 Contained in the terminal with at least one check storage means for storing the check before check the distribution. 至少一个纸盒与一个支票打印设备相连,用于为要打印支票提供纸,其中,在终端内安装有至少一个支票打印设备,并与终端相连。 At least one tray is connected with a check printing apparatus for supplying paper to be printed checks, wherein the at least one check printing is mounted within the terminal device, and connected to the terminal. 并且,有至少一个支票分发设备与支票打印设备相连,用于在对这种支票的用户请求之后弹出支票。 And, at least one distribution device connected to the check check printing apparatus for ejecting a check request for the user after this check.

另外,系统采用一个与终端相连的调制解调器来访问因特网,还采用一个与终端相连的双向视频会议单元,用于与一个银行客户代表进行通信。 Further, the system uses a modem connected to the terminal to access the Internet, also uses two-way videoconferencing unit coupled to a terminal for communicating with a bank account representative.

PBM单元被设计为可以在物理上和功能上被容易地访问,例如,在物理上能够容易地进入和离开座位,在功能上采用菜单屏幕设计。 PBM unit is designed to be easily accessed physically and functionally, for example, can easily enter and leave the seat physically, using menu functions on the screen design. PBM的物理实施例包括一个与终端相连的座位单元,允许两个单个用户并排坐下来查看并与用户界面交互,包括其终端和触摸屏。 PBM physical embodiment includes a seat unit connected to the terminal, allowing two users sit down with a single view and interact with a user interface, and a terminal including a touch screen. 并且,还包括与终端相连的音频扬声器,使用户能听到与信息和交易功能相联系的声音。 And further comprising a terminal connected to an audio speaker, allowing users to hear sounds associated with information and transaction capabilities. 同时,确保视觉和听觉的私密性,特别是对于与个人交易相关的那些部分。 At the same time, to ensure that visual and auditory privacy, especially those parts related to individual transactions for. PBM还被设计为适合于将两个单元背靠背地放置,并仍然确保同时操作的用户的隐私。 PBM also designed to be suitable for the two units placed back to back, and while still ensuring user privacy operations.

PBM发明包括通过卡阅读设备或通过触摸屏设备来便于用户与PBM的联系的方法。 PBM invention comprises a card reader device or method to facilitate contact with the user through a touch screen PBM device. 第一个可视屏幕欢迎用户,并解释和显示如何使用PBM。 The first visible screen welcome customers and explain and show how to use the PBM. PBM根据直接从卡阅读设备读取或通过触摸屏手动输入的用户识别数据确定用户的身份。 PBM determine the identity of the user based on user identification data read from the card reading device directly or by manual touch-screen input. 如果用户是已有银行业务机构客户,则由远程处理单元核对用户的识别数据。 If the user is already banking institutional clients, by remote processing unit to check user identification data. 在核对之后,显示主菜单,此时,用户既可以访问信息工具功能,也可以访问交易工具功能。 After checking, display the main menu, this time, the user can either access information tool, which can also access trading tools function. 如果用户是一个非客户,则她只能访问信息工具功能,除非她开始一个与金融机构的新关系。 If the user is a non-customer, she could only access information tool function, unless she started a new relationship with the financial institution.

在触摸屏上采用高质量图形展示信息,允许用户在各种功能中定位,同时,在不需要用户离开她的当前位置的情况下,向用户提供给出通过PBM提供的特定产品和服务的综合概况的信息。 In the case of high-quality graphics on the touch screen display information, allowing users to locate the various functions, at the same time, without requiring the user to leave her current position, given specific products and services provided by PBM provides a comprehensive overview of the user Information. 本发明还是一种自助交易方法和设备。 The present invention is also a method and apparatus for self-service transaction. 用户界面设计是“包装”式的,并感受触摸屏的显示。 The user interface design is the "packaging" style, and feel the touch-screen display. PBM位于一个本地分支场所,但并不限于此。 PBM is located in a local branch of places, but not limited thereto.

用户由PBM识别和核实,如果该用户是一个已有客户,则由远程处理单元进行核对。 User, if the user is an existing customer, the remote processing unit by collating the identification and verification by the PBM. 触摸屏按钮被显示出来。 Touch-screen buttons are displayed. 客户从主菜单选择信息和交易工具功能。 Select customer information and trading tools feature from the main menu. 如果该用户是一个非客户,则他只能访问信息功能,除非他与银行业务机构建立一个金融关系,这时,交易功能也是可以访问的。 If the user is a non-customer, he can only access the information function, unless he established a relationship with the banking financial institutions, this time, the transaction functions are also accessible.

有两类PBM用户。 There are two types PBM users. 包括已有银行客户(银行信用卡持有者、储蓄帐户持有者等等)和非客户(潜在客户)。 Including existing bank customers (Bank credit card holders, savings account holders, etc.) and non-customers (potential customers). 这个划分定义了对可用技术的访问和要访问的信息的类型。 This division defines access to the available technology and the type of information to be accessed.

在执行获得与银行业务有关的信息或执行一个交易之前,用户界面提示用户从交易功能和信息功能组中选择出一个。 Before performing the obtaining of information related to banking or execute a transaction, the user interface prompts the user to select a function from the transaction and messaging group. 接着,将选择的功能显示在用户界面上。 Subsequently, the selected function is displayed on the user interface.

在交易功能方面,用户进一步从请求个人支票、补充支票、出纳员支票、银行信用卡、开设一个新帐户、修改帐户、访问因特网和请求一个视频或图形演示的组中选择出一个。 In the trading function, the user further requests from personal checks, supplementary checks, cashier checks, bank credit card, open a new account, modify, select a group to access the Internet and request a video or graphic presentation of. 这些功能给予用户空前的自己进入和进行与银行业务有关的交易的机会,而这些在目前只能在一个客户业务代表的帮助下完成。 These features give users the opportunity to enter their own unprecedented and transactions related to the banking business, and these can only be done with the help of a customer service representative at present.

PBM是一个计算机化安全系统,允许用户通过将个人识别号输入用户界面来提供、请求改变和确认她的个人识别号,用户界面将个人识别号自动发送给远程控制单元,然后自动在数据库中登记该个人识别号。 PBM is a computerized security system, allowing the user to input a personal identification number to provide a user interface, a request to change and confirm her personal identification number, the user interface will automatically send a personal identification number to the remote control unit, then automatically registered in the database the personal identification number. 远程处理单元也核对已有的个人识别号。 Checking remote processing unit also has a personal identification number.

当用户请求一个银行信用卡或银行帐户修改时,用户界面自动提示用户将用户签名输入进一个签名记录设备。 When a user requests a bank credit card or bank account modification, the user interface automatically prompts the user to enter into a user signature signature recording device. 如果用户是一个非客户,则远程处理单元自动更新数据库识别数据。 If the user is a non-customer, the remote processing unit automatically updates the database identification data. 如果用户是一个已有银行客户,则远程处理单元核对该用户签名。 If the user is an existing bank customers, the remote processing unit to check the user's signature.

PBM包括允许用户请求和从银行服务代表接受帮助的性能。 PBM including allowing users to request and accept assistance from the bank service representative performance. 如果用户遇到问题、仅仅希望清楚PBM的操作、或需要关于银行产品或服务的另外的信息,这个特征确保用户能够访问和执行PBM系统的任何所提供的功能。 If you have problems, just want to clear the PBM operations, or require additional information regarding banking products or services, this feature ensures that any functionality provided by users to access and execute PBM system. 用户和银行服务代表通过双向视频电视会议和/或电话相连接。 Banking services on behalf of users and connected via two-way video videoconference and / or telephone.

在执行了所选择交易之后,PBM能够产生一个输出。 After executing the selected transaction, PBM capable of producing an output. 这个输出包括个人支票、补充支票、出纳员支票、银行信用卡、活动摘要、报告和从因特网获得的信息这个组中的至少一个。 The output includes personal checks, supplementary checks, cashier checks, bank credit cards, a summary of activity, the group reports and information obtained from the Internet at least one.

所述方法和系统还包括用户界面提示用户从一组交易功能,诸如请求个人支票、补充支票、出纳员支票、银行信用卡、开设一个新帐户、修改帐户、访问因特网以及请求一个演示的组中选择出一个的步骤。 The method and system also includes a user interface prompts the user from a set of transaction functions, such as requesting personal checks, supplementary checks, cashier checks, bank credit card, open a new account, modify accounts, access the Internet and request a demo of the group selected the step of a. 用户然后选择一个功能,之后,用户界面显示该选择的功能。 The user then selects a function, then the user interface displays the selected function.

在本发明的一个实施例中,在显示了主菜单之后,提示客户选择她所希望收到的支票类型,即是个人的、补充的还是出纳员的。 In one embodiment of the present invention, after displaying the main menu prompts the customer to select the type she wishes to receive the check, i.e. individual, complementary or cashier. 客户可以选择是使支票由PBM产生并在交易时开出还是使支票被邮寄到一特定地址。 Customers can choose to be generated by the PBM and check out or the check is mailed to a specific address in the transaction.

在本发明的另一个实施例中,交易工具功能方法包括选择一个用于获得个人支票的功能的步骤。 Embodiment, the transaction functions of the method includes selecting a tool for personal check function is obtained in a further step of the present invention. 用户界面自动显示用户的当前地址。 The user interface automatically displays the current address of the user. 用户界面自动提示用户确认或改正用户的当前地址。 The user interface automatically prompts the user to confirm or correct the current address of the user. 将正确地址从用户界面传送给远程处理单元,远程处理单元自动核对该正确地址。 The correct address is transmitted from the user interface to the remote processing unit, a remote processing unit automatically check the correct address. 如果当前地址已经被改正,则远程处理单元自动更新数据库信息。 If the current address has been corrected, the remote processing unit automatically updates the database information. 数据库信息被自动发送给用户界面。 Database information is automatically sent to the user interface.

在这些核对和更新步骤之后,用户界面自动提示以查看她是否需要另外的个人支票。 After these steps to check and update the user interface automatically prompt to see if she needs additional personal checks. 如果用户请求另外的支票,则用户界面自动将对另外支票的请求传送给远程处理单元,远程处理单元确认该请求,并向用户界面发送一个确认。 If the user requests a further check, requesting the user interface will automatically check further to the remote processing unit, a remote processing unit acknowledges the request, the user interface and sends an acknowledgment. 根据用户的选择,将另外的个人支票邮寄到用户的家庭地址或在PBM内打印然后直接发给用户。 The user's option, additional personal checks mailed to the user's home address or to print and then sent directly to the user in the PBM.

PBM显示客户当前地址、要求核对和应该被打印的第一个支票号。 PBM clients display the current address, and requested to check a check number should be printed. 在信息核对之后,开始打印支票,客户将它们从自动售货机取出。 After verification of the information, start printing checks, the customer will remove them from a vending machine. 一旦交易完成,用户退回主菜单,并选择另一个交易工具功能、信息工具功能或进一步从PBM退出。 Once the transaction is complete, the user back to the main menu, and select another trading tool features, functions or further information tool exit from the PBM.

交易工具功能方法的另一个实施例包括选择用于获得补充支票的功能的步骤。 Another embodiment of the method of trading instruments function comprises selecting for obtaining supplementary function check procedure of Example. 用户界面自动提示用户请求补充支票。 The user interface automatically prompts the user to request supplementary check. 在接收到支票请求之后,用户界面自动将该支票请求发送给远程处理单元。 After receiving the check request, the user interface automatically checks the request to the remote processing unit. 远程处理单元确认该支票请求,并向用户界面发送一个确认,用户界面自动显示用户的当前地址。 Remote processing unit confirms that the check request and send a confirmation user interface, the user interface automatically displays the current address of the user. 然后提示用户确认或改正她的当前地址。 And then prompts the user to confirm or correct her current address. 如果地址不正确,则用户输入一个正确的当前地址。 If the address is incorrect, the user enters a correct current address. 用户界面自动将当前地址发送给远程处理单元,远程处理单元自动核对该当前地址。 The user interface to automatically send the current address of the remote processing unit, a remote processing unit automatically check the current address. 如果当前地址已经被改正,则远程处理单元自动更新数据库信息,随后远程处理单元将数据库用户信息自动发送给用户界面。 If the current address has been corrected, the remote processing unit automatically updates the database information, the remote processing unit then automatically sends the user information database to the user interface.

另外,自动提示用户选择一种式样的补充支票。 In addition, automatically prompts the user to select a style of supplementary checks. 用户查看显示的支票式样,并随后确认她的选择或改变先前选择的式样。 View user checks the displayed pattern, and then confirm or change the pattern of her choice previously selected. 并且,用户确认支票信息,然而,如果支票信息不正确,则用户输入改正的支票信息。 Also, check the user to confirm the information, however, check if the information is not correct, check the user input information corrected. 用户被允许输入要打印的第一个支票号。 A user is allowed to enter the first check number to be printed. 用户界面自动提示用户选择使支票被邮寄给用户还是使支票被打印出来直接发给用户。 The user interface automatically prompts the user to select the check is mailed to the user or the check is printed directly to users.

交易工具功能方法的另一个实施例包括选择用于获得一个出纳员支票的功能的步骤。 Another embodiment of the method of trading instruments function comprises selecting for a cashier check the function of obtaining the procedure of Example. 用户界面自动提示用户输入收款人识别信息和支票值。 The user interface automatically prompts the user identification information and payee check value. 支票的图象被显示出来,并且用户界面自动提示用户确认在支票上显示的信息。 The check image is displayed, and the user interface automatically prompts the user to confirm the information displayed on the check. 一旦用户确认该支票信息是正确的,则将其自动发送给远程处理单元进行核对。 Once the user confirms the check information is correct, then it is automatically sent to a remote processing unit for collation.

如果信息已经被改正,则远程处理单元自动更新数据库支票信息,然后将数据库支票信息发送回用户界面。 If the information has been corrected, the remote processing unit automatically updates the database check information, and then transmits the information back to the user interface of the database check. PBM自动打印支票,然后将其连同一个信封和一个收据一起直接发给用户。 PBM automatically print checks, and then, along with an envelope and a receipt with direct to users.

交易工具功能方法的另一个实施例包括选择用于获得一个银行信用卡的功能的步骤。 Another embodiment of the method of trading instruments comprises selecting function for obtaining a bank credit card function procedure of Example. 用户界面自动提示用户将她的签名输入进一个签名记录设备。 The user interface automatically prompts the user to enter her signature into a signature recording device. 然后,显示包括用户识别数据的银行信用卡图象。 Then, the display image including bank credit card user identification data. 然后提示用户确认在银行信用卡上显示的数据。 And then prompts the user to confirm the data displayed on the bank credit card. 如果在银行信用卡上的数据不正确,则用户输入改正的用户识别数据。 If the data on the bank's credit card is incorrect, the user inputs the user identification data corrected. 将正确的银行信用卡数据自动发送给远程处理单元,远程处理单元随后核对该数据并用来更新数据库。 The right bank credit card data is automatically transmitted to a remote processing unit, a remote processing unit then check the data and used to update the database. 然后将银行信用卡数据发送回用户界面。 Bank credit card data is then sent back to the user interface. PBM自动打印银行信用卡,然后将其直接发给用户。 PBM automatically print bank credit card, and then directly to the user.

另外,用户界面提示用户输入附加或更新信息,在输入之后,PBM在将银行信用卡发给用户之前将这些信息自动存储在银行信用卡上。 In addition, the user interface prompts the user to enter additional information or updates, after the input, PBM before the bank credit card information is sent to the user will automatically be stored on the bank credit card.

在显示了主菜单之后,提示客户选择帐户工具功能,该帐户工具功能允许用户开设一个新帐户或修改一个已有帐户。 After displaying the main menu, select Accounts tool function prompts the customer, the account tool feature allows users to open a new account or modify an existing account. 这个交易工具功能允许一个非客户建立与银行业务机构的新的银行业务关系。 This trading tool feature allows customers to build a new non-banking relationship with banking institutions.

交易工具功能方法的另一个实施例包括选择用于开设一个新帐户的功能的步骤。 Another embodiment of the method of trading instruments function comprises selecting a function for opening a new account in the step of Fig. 用户界面自动提示用户输入用户的识别数据。 The user interface is automatically prompted to enter the identification data of the user. 用户界面自动提示用户将她的签名输入进签名记录设备。 The user interface automatically prompts the user to enter her signature into the signature recording device. 用户界面显示用户识别数据,并要求用户确认该数据。 The user interface displays user identification data, and requests the user to confirm the data. 如果数据不正确,则用户输入改正的用户识别数据。 If the data is correct, the user inputs the user identification data is correct. 将改正的用户识别数据自动发送给远程处理单元,远程处理单元自动更新数据库识别数据。 The correct user identification data is automatically transmitted to the remote processing unit, a remote processing unit automatically updates the database identification data.

这个实施例包括一个在将信息发送给远程处理单元之后发生的核对步骤。 This embodiment comprises a checking step occurs after the transmission information to the remote processing unit. 这个核对还包括访问非银行远程处理单元数据库、例如信贷报告机构数据库的步骤。 The check also includes access to a database of non-bank remote processing unit, such as credit reporting agencies step database.

用户界面自动提示用户选择一种用于向新帐户提供资金(funding)方式。 The user interface automatically prompts the user to select for funding (funding) way to the new account. 用户然后指定一种提供资金方式,例如:1)已有帐户,进一步包括用户输入用户识别数据、例如帐户信息和个人识别号的步骤,2)银行信用卡,包括由另一个金融机构发行的银行信用卡,进一步包括用户将银行信用卡数据输入进用户界面的步骤,3)现金,包括将其输入进用户界面,以及4)支票。 Users then specify a method of providing funding, for example: 1) already have an account, further comprising a user to enter a user identification data, such as step account information and personal identification number, 2) bank credit cards, issued by other financial institutions including banks credit card further comprising a user input step bank credit card into the user interface, 3) the cash, which comprises an input into the user interface, and 4) a check. 将选择的提供资金方式和数量输入进用户界面。 Funding and number of the selected input into the user interface. 用户选择并确认资金的选定来源和数量。 Users select and confirm the selected sources and amounts of funding. 将关于选定来源和数量的信息自动发送给远程处理单元,远程处理单元自动核对所选择的非现金方式和数量,并自动记录所选择的来源和数量。 The information on the number of selected sources and automatically sent to the remote processing unit, a remote processing unit automatically matching the selected non-cash and quantity, and to automatically record and the number of selected sources. 所选择的数据在被核对之后被记入用户的新帐户中。 The selected data is recorded in a new user account after being checked.

在另一个实施例中,自动提示用户进行选择,以使他们的图象通过一个照相机获得,如果用户确实选择了获得图象,则将图象自动显示给用户,其中,随后自动提示用户接受或重新获得用户图象。 In another embodiment, automatically prompts the user to select, so that their image obtained by a camera, if the user does choose to obtain an image, the image will be automatically displayed to the user, which then automatically prompt the user to accept or regain the user image. 将获得的图象自动传送给远程处理单元。 The obtained image is automatically transmitted to the remote processing unit. 然后将图象自动打印在一个银行信用卡上,该银行信用卡随后被发给该用户。 The image is then automatically printed on a bank credit card, the bank's credit card is then sent to the user. 还自动提示用户通过以电子方式获得的用户声音提供附加个人信息,并自动发送给远程处理单元。 Also automatically prompt the user to provide additional personal information through a user's voice obtained electronically and automatically transmitted to the remote processing unit.

交易工具功能方法的一个实施例包括选择用于修改一个已有帐户的功能的步骤。 Trading Tools function method embodiment includes selecting a modifying an existing step function accounts for. 用户界面自动提示用户通过将改变输入进用户界面来请求对她的用户识别数据进行改变,用户界面自动显示新的用户识别数据。 The user interface automatically prompt the user by changing the input into the user interface to request her user identification data to change, the user interface automatically displays the new user identification data. 在由用户确认了该改变之后,用户界面自动将新用户识别数据发送给远程处理单元,远程处理单元核对该识别数据,并更新数据库。 After confirming the changed by the user, the user interface will automatically recognize the new user data to the remote processing unit, remote processing means checks the identification data, and update the database. 在第一个帐户和第二个帐户之间交换这种更新信息。 In between the first account and the second account to update this information exchange. 第一个帐户是普通的已有客户帐户,第二个帐户可以是另一个已有客户帐户或是一个非客户帐户。 The first account is a general account of existing customers, and the second account may be another non-existing customer account or a client account. 这种非客户帐户可以是由另一个金融机构、例如银行、投资管理公司等建立和支持的帐户。 This non-customer accounts can be created by the account of another financial institution, such as banks, investment management companies, and support.

交易工具功能方法的一个实施例包括选择用于访问因特网的功能的步骤。 Trading Tools function method comprises the step of selecting one embodiment of a function for accessing the Internet. 用户界面自动提示用户选择基于因特网的交易信息。 The user interface automatically prompts the user to select Internet-based transactions. 用户界面将对基于因特网的交易信息的请求自动发送给远程处理单元,远程处理单元自动访问所请求的基于因特网的交易信息。 The user interface will automatically send the transaction request information to an Internet-based remote processing unit, an Internet-based remote transaction information processing unit to be automatically requested access. 远程处理单元然后将所请求的基于因特网的交易信息自动发送给用户界面进行显示,然后用户执行基于因特网的交易。 The remote processing unit then displays the requested Internet-based transaction information is automatically sent to the user interface, then the user performs an Internet-based transactions. 基于因特网的交易类型包括那些涉及支付、使用、接收、转让或管理货币或其他金融工具的交易。 Internet-based transactions include those transactions involving payments, use, receive, transfer or management of currency or other financial instruments.

与交易工具功能相联系的PBM的一个实施例包括采用数字或视频照相机来获得用户图象。 An embodiment in connection with the transaction function PBM tool comprises a video camera or a digital image to get the user. PBM还包括一个用于将用户图象发送给远程处理单元的装置。 PBM further comprising a means for transmitting user device to the remote image processing unit.

与交易工具功能相联系的PBM的一个实施例包括采用麦克风来获得用户声音。 An embodiment in connection with the transaction function tool PBM comprises obtaining the user's voice using a microphone. PBM还包括一个用于将用户声音发送给远程处理单元的装置。 PBM further comprising a means for transmitting the user voice to the remote processing unit means.

PBM允许用户访问来自银行业务数据库和因特网的很大范围的银行业务相关信息。 PBM allows users to access a wide range of databases from the banking and Internet banking information. PBM方法和系统还包括用户从一组信息工具功能进行选择、然后用户界面显示所选择的功能的步骤和性能。 PBM method and system further includes a user to select from a set of information tool functionality and performance and the step of displaying the user interface of the selected function. 在选择了一个信息工具功能之后,向用户展示一个来自银行服务代表的帮助的请求选项,以解决任何问题或澄清所出现的任何信息。 After selecting an information tool function, showing a representative from the banking options to the user requesting help to resolve any questions or clarify any information that appears. 因为信息工具功能的一个主要功能是提高非客户对银行的各种产品和服务的理解,因此,向非客户提供开始与银行的新关系的机会是非常有用的。 Because a primary function of information tools function is to improve understanding of the various non-customer products and services of the bank, therefore, is useful to provide an opportunity to start a new relationship with banks to non-customers. 因此,用户界面自动提示用户开始与银行的新关系。 Thus, the user interface automatically prompts the user to start a new relationship with the bank. 这个新关系通常包括开设一个银行帐户。 This new relationship is usually including the opening of a bank account. 一旦用户变成一个客户,则她可以开始对全范围的银行业务产品和服务的访问。 Once the user becomes a customer, she can begin to access banking products and services, the full range.

信息工具功能的一个实施例包括选择银行储蓄帐户信息的步骤。 Information tools function according to one embodiment includes a step of selecting bank savings account information. 用户界面自动提示用户选择储蓄信息,并将一个对储蓄信息的请求自动发送给远程处理单元,远程处理单元然后将储蓄信息自动发送给用户界面。 The user interface prompts the user to select automatically save information, and a request for automatically saving the information sent to the remote processing unit, a remote processing unit then automatically send information to the user interface savings. 用户界面接着提示用户请求接收打印的储蓄信息,该储蓄信息被打印并直接发给用户。 The user interface then prompts the user to save request receiving printed information, and the credit information is printed directly to the user.

在本发明的另一个实施例中,信息工具功能包括选择银行储蓄借贷服务信息的步骤。 In another embodiment of the present invention, the information comprises the step of selecting tool functionality savings bank lending service information. 用户界面自动提示用户选择借贷服务信息,并将对借贷服务信息的请求自动发送给远程处理单元,远程处理单元然后将所请求的借贷服务信息自动发送给用户界面。 The user interface automatically prompt the user to select the service lending information, borrowing and automatically sends a request for the service information to the remote processing unit, a remote processing unit then automatically transmits the requested lending service information to the user interface. PBM允许用户获得打印的借贷服务信息。 PBM allows users to obtain information about printing lending service. 当用户请求打印的借贷服务信息时,由PBM打印该信息并直接发给用户界面。 When a user requests a loan service information to print, the information is sent directly to the PBM and the user interface.

信息工具功能方法的一个实施例包括选择家庭银行业务产品和服务信息的步骤。 Information Tool function method embodiment comprises the step of selecting a business information products and services, home banking. 用户界面自动提示用户选择家庭银行业务产品和服务信息。 The user interface automatically prompts the user to select home banking products and services. 一旦选定,用户界面将对家庭银行业务产品和服务信息的请求自动发送给远程处理单元,远程处理单元将家庭银行业务产品和服务信息自动发送给用户界面。 Once selected, a request for business information products and services, home banking user interface is automatically sent to the remote processing unit, a remote processing unit will be automatically sent home banking product and service information to the user interface. 用户具有接收打印的家庭银行业务产品和服务信息的机会。 Users have the opportunity to home banking product and service information received printed. PBM打印家庭银行业务产品和服务信息,并将其直接发给用户。 PBM print home banking products and services, and directly to users.

信息工具功能方法的一个实施例包括选择旅游服务帐户信息的步骤。 Information Tool function method embodiment comprises the step of selecting a travel service account information. 用户界面自动提示用户选择旅游服务信息。 The user interface automatically prompts the user to select travel service information. 在被请求后,用户界面将请求自动发送给远程处理单元,远程处理单元将所请求的旅游服务信息自动发送给用户界面。 After the request, the user interface will automatically send a request to the remote processing unit, a remote processing unit travel services requested information is automatically sent to the user interface. 用户界面自动提示用户请求接收打印的旅游服务信息。 The user interface automatically prompts the user to request travel service information received printing. PBM打印所请求的旅游服务信息,并将其直接发给用户。 PBM print requested tourist information service, and directly to users.

在本发明的信息工具功能方法的另一个实施例中,PBM向用户提供访问基于因特网的信息的能力。 In another method of function of the information tool embodiment of the present invention, PBM ability to provide access to Internet-based information to the user. 用户界面自动提示用户接收基于因特网的信息。 The user interface automatically prompts the user to receive Internet-based information. 如果被请求,将请求自动发送给远程处理单元,远程处理单元然后自动访问所请求的基于因特网的信息。 If requested, the request is automatically transmitted to the remote processing unit, a remote processing unit then automatically access the requested Internet-based information. 将基于因特网的信息发送给用户界面,并显示这些信息。 Internet-based information will be sent to the user interface, and displays the information. PBM允许用户选择直接接收打印的基于因特网的信息。 PBM allows the user to select an Internet-based information printed directly received.

信息工具功能方法的一个实施例包括选择银行产品和服务的视频或图形演示的步骤。 Information Tool function method comprises the steps of selecting one embodiment of banking products and services, video or graphics presentations. 在用户希望一个视频演示的情况下,用户选择一个功能,其中,用户界面自动提示用户请求这样一个演示,然后自动进行显示该演示。 In the case where a user wishes a video presentation, the user selects a function, wherein the user interface automatically prompt the user requests such a presentation, the presentation is then automatically displayed. 用户界面将对视频演示的请求自动发送给远程处理单元,远程处理单元随后将视频演示发送给用户界面。 Requesting user interface will be automatically sent to the video presentation of the remote processing unit, a remote processing unit then sends the video presentation to the user interface.

当用户选择了图形演示之后,用户界面自动显示一个图形演示。 When the user selects a graphical presentation, the user interface automatically displays a graphical presentation. 用户界面将对图形演示的请求自动发送给远程处理单元,远程处理单元将图形演示自动发送给用户界面。 Requesting user interface will be automatically sent to the graphical presentation of the remote processing unit, a remote processing unit automatically sent to the graphic user interface presentation. PBM允许用户接收从图形演示中选择的帧,然后将该帧打印并直接发给用户。 PBM allows the user to select a frame received from the graphic presentation, the frame is then sent directly to the user and printed.

并且,将CD ROM驱动器安装在终端内并与其相连,以提供在本地上对基于终端的信息产品和服务数据的读取。 Then, a CD ROM drive connected thereto and installed in the terminal, to provide a reading of the terminal-based information products and services on the local data.

下面将通过流程图和用户界面屏幕例子来详细说明PBM系统和方法。 The system and method PBM flowchart example of a screen and a user interface will be described in detail below.

图1显示了PBM系统的整体结构。 Figure 1 shows the overall architecture of the system PBM. 如图1所示,本发明的一个实施例的PBM工作站1包括一个用于支票、汇票、收据和打印输出的分发槽2。 As shown in FIG. 1, a workstation PBM embodiment of the present invention comprises 1 for a check, money order, and the receipt printout distribution tank 2. PBM具有一个照相机/扬声器隔间3。 PBM having a camera / speaker compartment 3. 银行信用卡分发槽4用于分发PBM产生和发行的卡。 Bank credit card distribution groove 4 for generating and distributing PBM issued cards. 下投盒存款装置5允许用户将存款直接放入PBM中。 The administration cartridge device 5 allows the user to deposit the deposit directly into the PBM. 签名记录笔6和数字签名衬垫7使PBM能获得用户的签名。 Signature stylus 6 and 7 so that the digital signature pad PBM can obtain the user's signature. 在PBM中包括一个用于读取编码的用户银行信用卡信息的卡阅读器插槽8。 PBM is included in the card reader of the user's bank card information for reading coded slot 8. PBM具有一个基于视窗的用户界面触摸屏9,该触摸屏允许用户执行交易功能并获得银行业务和相关产品信息。 PBM has a Windows-based user interface touch screen 9, the touch screen allows the user to perform trading functions and access to banking and related product information.

图2展示了PBM工作站1的整体视图,显示了其相对于用户的两个坐椅的尺寸。 Figure 2 shows a general view of PBM workstation 1 shows the dimensions of the two seats with respect to the user.

图3-4包含PBM功能的方框图。 3-4 comprises a block diagram of FIG PBM function.

图3显示了由PBM执行的两组工具功能的方框图。 Figure 3 shows a block diagram of a functional tool sets PBM performed. 从主菜单10,用户从交易工具功能11或信息工具功能12进行选择。 10, the user selects from the transaction function tool 11 or tool function information 12 from the main menu. 交易工具包括用于支票13、银行信用卡14、帐户15、因特网16、演示30和借贷交易的功能。 Trading tools include checks for 13, 14 bank credit card account 15, the Internet 16, 30 and presentation capabilities lending transactions. 信息工具功能包括储蓄19、借贷20、家庭银行业务21、旅游22、因特网23和演示24信息。 Information Tool features include saving 19, 20 loan, home banking 21, travel 22, 23 and Internet 24 presentation information.

图4显示了交易工具11功能,其中,支票功能13还包括用于获得个人25、更换26和出纳员27支票的功能。 Figure 4 shows the transaction function tool 11, which further comprises a check function 13 for obtaining a personal 25, cashier 27 and 26 replace the function of the check. 帐户15功能包括允许开设一个新帐户28和修改帐户信息29a的功能。 Features include 15 accounts allow open a new account modify account information 28 and 29a function. 演示30功能使用户能获得银行产品和服务的视频30或图形31演示。 30 demo features enable users to access to banking products and services, video or graphics 30 31 demo.

图5-10包含执行系统交易的方法的流程图。 Figure 5-10 flowchart of a method comprising the transaction execution system.

图5显示了处理选择以银行信用卡访问PBM的银行的已有帐户的用户的处理步骤的流程图。 Figure 5 shows a flow chart of the process selection to access bank credit card processing steps the user's existing bank account of the PBM. 初始屏幕32欢迎用户来到银行和PBM。 Users are welcome to the initial screen 32 banks and PBM. 用户被提示33将她的银行信用卡插入卡阅读器。 The user is prompted 33 of her bank card into the card reader. 从客户数据库34自动获得关于该用户的信息。 Automatically obtain information about the user from the customer database 34. 然后提示用户选择一个服务35,该服务包括各种交易和信息功能,例如开设一个帐户28、得到支票13、获得一个银行信用卡14。 And then prompts the user to select a service 35, which includes a variety of transactions and information service functions, such as opening an account 28, 13 to get the check, get a bank credit card 14. 用户修改帐户信息,例如改变她的地址记录29b。 Modify user account information, such as changing her address record 29b. 可以选择并完成借贷18和信用卡应用18。 You can select and complete loan and credit card applications 18 18. 可以选择对银行产品信息的因特网访问16以及银行产品和服务的视频或图形演示30。 You can choose to access the Internet banking products and services as well as 16 video or graphic presentation of product information bank 30.

图6显示了拥有银行的已有帐户并选择通过触摸屏访问PBM的用户的处理步骤的流程图。 Figure 6 shows a flow chart of the process steps have been bank account and select PBM user access via the touch screen. 从欢迎屏幕32,用户触摸屏幕36以启动对PBM的访问。 32, the user touches the screen 36 to initiate access to the PBM from the welcome screen. 用户被提示输入信息37,例如姓名。 37 the user is prompted to enter information, such as name. 这个信息被传送给客户数据库34,并进行检验。 This information is transmitted to the customer database 34, and tested. PBM然后自动确定该用户是否是一个已有银行客户38。 PBM then automatically determine whether the user is an existing client bank 38. 如果用户不是,则提示她选择一个服务35。 If the user is not, she is prompted to select a service 35. 该服务包括演示30、开设一个帐户28或访问因特网16以获取关于银行产品或服务的信息。 The service includes 30 presentations, 28 to open an account or access the Internet 16 for information on banking products or services. 如果用户是一个已有客户,则提示她选择一个对具有已有银行业务帐户的客户可用的服务35。 If you are an existing customer, you are prompted to select a client she has been banking services available 35 account. 以此,客户执行各种银行业务交易,并获得关于银行产品和服务的信息。 With this, the customer to perform various banking transactions and get information about banking products and services.

图7显示了用于拥有或不拥有银行的已有帐户、但选择以由另一个银行业务机构发行的银行信用卡访问PBM的用户的处理步骤的流程图。 Figure 7 shows, but flowchart existing account with the bank or do not have the processing steps used to select the user to another banking institution issued by bank credit card access PBM's. 在初始展示了欢迎屏幕32之后,用户将她的银行信用卡插入39银行信用卡阅读器。 After the initial welcome screen 32 shows, the user would insert her bank credit card bank credit card reader 39. PBM自动检查客户数据库34,以确定从客户的银行信用卡读取的信息是否是一个已有客户的信息。 PBM automatically checks the customer database 34 to determine whether the information read from the customer's bank credit card is an existing customer information. 如果该用户不是一个已有客户,则PBM自动提示她通过触摸屏输入信息37。 If the user is not an existing customer, PBM automatically prompted her to enter information via the touch screen 37. 然后提示非客户选择一个服务35,该服务包括演示30、开设一个帐户28或访问因特网16以获取关于银行产品或服务的信息。 And then prompts the customer to select a non-service 35, including a demonstration of the service 30, 28 to open an account or access the Internet 16 for information on banking products or services. 在非客户已经访问了一个特定服务之后,她可以在她的PBM对话期间选择另一个服务40。 After the non-client has accessed a particular service, she can choose another service during her 40 PBM dialogue. 如果用户是一个已有客户,则提示她选择一个对具有已有银行业务帐户的客户可用的服务35。 If you are an existing customer, you are prompted to select a client she has been banking services available 35 account. 于是,PBM既允许已有客户也允许非客户访问PBM的功能。 Thus, PBM allows both existing customers also allow non-customers to access PBM functions.

图8显示了开设一个帐户的过程的流程图。 Figure 8 shows a flowchart of a process to open an account. 一个已有银行业务客户通过选择开设帐户功能28开始41该过程。 An existing banking customers to open an account by selecting function 28 41 start of the process. 然后提示客户输入她的PIN42。 And then prompts the customer to enter her PIN42. 一个非客户通过被提示并输入个人信息43、例如地址、电话、社会保障和驾驶执照信息来开始41该过程。 A non-customers and is prompted to enter personal information 43, such as address, phone, social security and driver's license information to begin the process 41. PBM自动核对客户PIN或输入信息44。 PBM automatically check the customer PIN or input information 44. 通过访问客户数据库34和/或其他客户/非客户背景数据库45来核对该信息。 By accessing the customer database 34 and / or other client / non-client database 45 to check the background information. 这种其他的数据库45可以包括信用报告文件和公共记录,但并不限于这些。 This other database file 45 may include credit reports and public records, but not limited to these. 如果PIN/数据无效46,则通知客户不完全信息的PBM收据或负核对结果47。 If the PIN / 46 data is invalid, then notify the customer of incomplete information PBM receipt or negative verification result 47. 在这种情况下,可以提示客户选择一个新服务40。 In this case, the customer may be prompted to select a new service 40.

如果PIN/数据有效,则提示客户选择一个帐户类型48。 If the PIN / data is valid, the customer is prompted to select an account type 48. 然后提示客户选择一个存款方法49。 And then prompts the user to select a deposit method 49. 客户还可以打电话给一个客户服务代表要求帮助50。 Customers can also call a customer service representative for help 50. 所选择的存款方法包括采用银行信用卡51、资金从另一个帐户的电子转帐52以及储蓄一个支票53。 Deposit method chosen include the use of 51 bank credit card, electronic funds transfer funds from another account and deposit a check of 52 53. 通过电子访问一个数据库或数据存储中心或设备55来核对54客户借贷/存款信息。 A database accessed by electronic or data storage device 55 or the center 54 to check the customer lending / deposit information. 如果存款成功56,则提示客户以记录笔6和签名衬垫7在帐户银行业务协议58的款项上签名。 56 If the deposit has been successful, the customer is prompted to record the pen 6 and 7 signature pad to sign the agreement banking account funds 58. 客户然后选择一个新服务40。 The customer then select a new service 40. 如果存款不成功,则通知客户存款为什么不被接受的原因57。 If the deposit is not successful, then why not inform the reasons for customer deposits accepted 57.

图9显示了从PBM获得支票的过程的流程图。 Figure 9 shows a flowchart of the check obtained from PBM process. 一个已有银行业务客户通过选择支票功能13开始41该过程。 An existing banking customers start by selecting the check function 13 41 the process. PBM自动确定客户是否已经输入她的PIN 59。 PBM automatically determines whether the customer has entered her PIN 59. 如果客户还没有输入,则提示她输入她的PIN,通过访问存储在客户数据库34中的客户信息来自动核对60该PIN。 If the customer has not been entered, you are prompted her enter her PIN, the customer information in the customer database 34 to automatically check the PIN 60 by accessing the storage. 如果PIN无效,则客户可以选择一个新服务40。 If the PIN is not valid, the customer can select a new service 40. 当PBM已经接收到一个有效PIN时,则提示客户选择她想被分发的支票类型62。 When PBM has received a valid PIN, the customer is prompted to select the type of 62 she wanted to check to be distributed. 支票类型包括开始(starter)25、补充26和出纳员27。 Check types include start (starter) 25, 26, and cashier supplement 27. 在支票选择之后,提示客户选择一个新服务40。 After selecting the check, prompts the customer to select a new service 40.

图10显示了从PBM获得一个银行信用卡的过程的流程图。 FIG 10 shows a flowchart of the process of obtaining a credit card from a bank PBM. 一个已有银行业务客户通过选择银行信用卡功能14开始41该过程。 An existing banking customers through choosing a bank credit card function 14 starts the process 41. PBM自动确定客户是否已经输入她的PIN 59。 PBM automatically determines whether the customer has entered her PIN 59. 如果客户还没有输入,则提示她输入她的PIN,通过访问存储在客户数据库34中的客户信息来自动核对60该PIN。 If the customer has not been entered, you are prompted her enter her PIN, the customer information in the customer database 34 to automatically check the PIN 60 by accessing the storage. 如果该PIN无效,客户可以选择一个新服务40。 If the PIN is not valid, the customer can choose a new service 40. 当PBM已经接收到一个有效PIN,则它自动确定是否已经获得客户签名63。 When PBM has received a valid PIN, it automatically determines whether the customer has received 63 signatures. 如果已经预先获得一个签名,则打印带有客户签名66的银行信用卡,然后提示客户选择一个新服务40。 If you have previously obtained a signature, the signature is printed with the customer's bank credit card 66, and then prompts the customer to select a new service 40. 如果还没有获得一个签名,则要求客户应用签名记录笔6和签名衬垫7签上她的姓名64。 If you do not get a signature, then the client application requires the signature of the stylus pen 6 and 7 signature pad to sign her name on 64. 一旦已经获得用户签名,则提示她接受所写下的签名64。 Once a user has to get signed, it prompted her to accept the written signature 64. 如果客户不接受该签名,则再次提示她再次签下她的姓名。 If the customer does not accept the signature, again suggesting she signed her name again. 当客户接受该签名时,打印带有客户签名65的银行信用卡,然后提示客户选择一个新服务40。 When the customer accepts the signature, printed with the customer's signature 65 bank credit card, and then prompts the customer to select a new service 40.

图11-8包含本发明的PBM的基于视窗的PBM屏幕的例子。 Figure 11-8 PBM the present invention comprising an example of a windows-based PBM screen.

图11显示了用户界面的PBM触摸屏100部分。 11 shows a portion 100 of PBM touch screen user interface. 这个屏幕欢迎用户到该PBM。 The welcome screen user to the PBM. 屏幕包含几个工具功能按钮,包括“开设帐户”101、“取得支票”102、“取得西特卡”103、“改变地址”104、“关于西特银行”105、“关于PC银行业务”106和“退出”107。 Function button screen contains several tools, including the "open an account" 101, "the check is" 102, "made Sitka" 103, "change the address" 104 "on SEAT bank" 105, "Banking on PC" 106 and "exit" 107. 屏幕100提示用户插入她的银行信用卡,例如ATM卡、信用卡等等。 Screen 100 prompts the user to insert her bank credit card, such as ATM cards, credit cards and so on. 屏幕100还包括一个“热点”108,“热点”108是触摸屏100的一个部分,允许用户在不使用银行信用卡的情况下访问PBM服务。 Screen 100 also includes a "hot spot" 108 "hot spots" 108 is a part of the touch screen 100, allows users to access PBM services without the use of bank credit cards.

图12显示了一个提示用户选择一个PBM服务的屏幕110。 Figure 12 shows a user is prompted to select a screen 110 PBM services.

图13显示了一个屏幕120,其中向用户展示了一个图形键盘,允许用户在屏幕上出现的几个子窗口122内输入他们的姓名。 Figure 13 shows a screen 120, which presents the user with a graphical keyboard that allows the user several sub-window appears on the screen to enter their name within 122.

图14A-14G显示了与开设一个银行帐户有关的PBM屏幕130-190。 Figure 14A-14G show the PBM screen 130-190 associated with opening a bank account.

图14A包括一个键盘,允许用户通过在触摸屏130的几个子窗口131内输入个人信息来开设一个银行帐户。 FIG. 14A includes a keyboard, it allows the user to enter personal information in several sub-windows 131,130 touch-screen to open a bank account. 这个个人信息、例如姓名、地址、商务电话、驾驶执照等允许银行业务机构建立要在客户数据库中存储的客户信息。 This personal information such as name, address, business phone, driver's license to allow banking institutions to establish customer information to be stored in the customer database. 该屏幕还包括向用户提供直接引导的原文注释,以帮助她输入信息和作出关于选择和使用PBM功能的决定。 The screen also includes providing direct guidance of the original comment to the user to input information and help her make a decision on the selection and use of PBM functions.

图14B还涉及开设一个银行业务帐户。 Figure 14B also relates to open a banking account. 提示用户核对所请求的信息。 Prompt the user to check the information requested. 一旦输入信息被用户核对,则PBM屏幕提示用户通过按下“下一个”按钮141来继续进行到下一个屏幕。 Once the user input information is checked, the PBM screen prompts the user to proceed to the next screen by pressing the "Next" button 141.

图14C显示了允许用户选择她想开设的帐户类型的屏幕150。 Figure 14C shows allowing the user to select the type of account she wants to open 150 screens. 该屏幕包括一个显示可用帐户类型的子窗口,包括经常帐户(checking)152、储蓄帐户153和CD帐户154。 The screen displays the available account types including a child window, including the current account (checking) 152, savings accounts and CD accounts 153 154. 屏幕还提示用户通过“是”155和“否”156按钮将钱存入新帐户。 The screen also prompts the user through the "yes" and 155 "no" 156 button to deposit money into a new account. 该屏幕还包括一个“呼叫客户服务”按钮157,允许用户请求并联系一个客户服务代表,以获得关于银行产品和服务的帮助或信息。 The screen also includes a "call customer service" button 157, allows users to request and contact a customer service representative for assistance or information about banking products and services.

图14D显示了一个屏幕160,其中已经请求和联系了客户服务代表。 FIG. 14D shows a screen 160, which has been requested and contact the customer service representative. 该代表出现在一个视频子窗口161中。 The representative appeared in a video sub-window 161. 当用户完成她对来自代表的帮助的请求时,用户只需按下触摸屏162上的“挂机”按钮。 When the user completes her request for help from representatives of users simply press the "hang up" button on the touch screen 162.

图14E显示了一个在用户选择了将钱存入新帐户之后出现的屏幕170。 Figure 14E shows a user selects the screen that appears after 170 deposit money into a new account. 该屏幕包括用户用来输入钱的来源及相关帐户信息的键盘121和子窗口。 The screen includes a keyboard 121 and a sub-window source and related account information for the user to input money. 在这个特定屏幕中,根据用户对屏幕上的“银行帐户”的选择,出现“从...转帐”171和“银行帐户信息”172子窗口。 In this particular screen, according to the user's selection of "bank account" on the screen, "transfers from ..." 171 and "bank account information" 172 sub-window will appear. 如果用户已经选择了一个银行信用卡或签帐卡作为转帐来源,则会出现一个与“银行帐户信息”子窗口172相反的有关的子窗口。 If the user has selected a bank credit or debit card as a transfer source, a child window and "bank account information" about 172 sub-window opposite appears. 该屏幕还包括一个“呼叫客户服务”按钮,以便从客户代表请求帮助。 The screen also includes a "call customer service" button to request help from a customer representative.

图14F显示了所获得的用户签名。 Figure 14F shows the user signature obtained. 屏幕180显示了客户帐户协议,同时提示客户提供她的签名,以表明她接受协议的款项。 Screen 180 shows a customer account agreement, while providing customers with prompt her signature to show that the money she accepted the agreement. 如图1所示,用户通过签名记录笔6和签名衬垫7提供她的签名。 As shown in FIG 1, to provide users with her signature and the signature of the stylus pen 6 7 signature pad. 用户签名181出现在屏幕上。 181 user signature appears on the screen. 还提示用户通过“再签名”182和“接受签名”183按钮来再次签名或接受所写下的签名。 Also prompts the user through "re-signing" 182 and "accept the signature" 183 button again to sign or accept the written signature.

图14G显示了用户成功完成了开设帐户。 Figure 14G shows the user successfully completed to open an account. 用户被提示接收一个帐户开设交易的记录,取得一个银行信用卡或者获得支票。 The user is prompted to open an account to receive a record deal, get a credit card or bank to get a check. 用户通过按下在屏幕上提供的“是”191或“否”192按钮接受或拒绝这些选择。 The user presses "Yes" 191 or "NO" button 192 to accept or reject these choices provided on the screen. 当用户完成帐户开设时,她选择“完成”按钮193来继续选择另外的PBM服务。 When you complete your account set up, she chose "Done" button 193 to continue to select additional PBM services.

图15A-15I 200-280显示了用于选择PBM支票功能的屏幕。 FIGS 15A-15I 200-280 shows PBM check function for selecting a screen.

图15A显示了一个屏幕200,允许客户选择“开始支票(startercheck)”201、“补充支票(replenishment)”202和“出纳员支票(cashierscheck)”203。 Figure 15A shows a screen 200, allowing customers to select "Start check (startercheck)" 201, "supplementary check (replenishment)" 202 and "cashier checks (cashierscheck)" 203. 客户被提示选择所希望的支票类型。 The customer is prompted to select the desired type of check. 提供原文注释以帮助客户完成她的支票交易。 Original comments provided to help customers complete her check transactions.

图15B显示了一个开始支票211。 Figure 15B shows a start checks 211. 屏幕210还包括“打印”212和“完成”213按钮,允许用户打印所请求的开始支票并完成这个支票交易。 Screen 210 also includes a "print" 212 and "Finish" button 213, allowing the user check the print start and complete the requested transaction check.

图15C显示了一个开始支票211,同时展示了通知用户她的请求的状态的原文注释。 FIG 15C shows a start checks 211, and shows the state notification request of the user her text annotations. 用户还被提示在接收到支票之后按下“完成”按钮221。 The user is also prompted to press the "Done" button 221 after receiving the check.

图15D展示了一个补充支票231。 FIG 15D shows a replenishment check 231. 屏幕230包括一个子窗口232,允许客户选择补充支票的起始支票号。 Screen 230 includes a sub-window 232, allowing customers to select the replenishment check start check number. 所希望的起始支票号通过也在屏幕中显示的图形用户键盘121输入。 Starting check number desired by the graphical user input keyboard 121 is also displayed in the screen.

图15E显示了一个补充支票231,同时提示客户修改输入信息、打印支票或完成交易。 Figure 15E shows a supplementary check 231, while the customer is prompted to modify the input information, print checks or complete the transaction. “编辑”241、“打印”242和“完成”243按钮允许客户对PBM提示作出回答。 "Edit" 241, "print" 242 and the "Finish" button 243 allows customers to make a prompt answer to PBM.

图15F显示了在客户已经选择了打印补充支票231之后出现的一个屏幕。 Figure 15F shows a customer has selected a screen appears after 231 printing supplementary checks. 用户也被提示在她接收到支票之后按下“完成”按钮251。 Users are also prompted to press after receiving her check "Finish" button 251.

图15G展示了一个出纳员支票261。 FIG. 15G shows a cashier check for 261. 屏幕260包括一个用于将相关支票信息、例如数量、收款人等等输入子窗口262的图形用户键盘121。 Screen 260 includes a check for relevant information such as the amount, payee, etc. input sub-window 262 of the graphical user keyboard 121.

图15H显示了一个出纳员支票261,同时提示客户修改输入信息、打印支票或完成交易。 Figure 15H shows a cashier check 261, while the customer is prompted to modify the input information, print checks or complete the transaction. 所包括的“编辑”271、“打印”272和“完成”273按钮允许客户回答PBM提示。 Included in the "Edit" 271, "print" 272 and the "Finish" button 273 allows customers to answer PBM tips.

图15I显示了一个在客户已经选择了打印出纳员支票261之后出现的屏幕。 Figure 15I shows a customer has selected a screen appears after 261 print cashier checks. 客户还被提示在已经接收到支票之后按下“完成”按钮281。 Customers are also prompted to press the "Finish" button 281 after the check has been received.

图16A-16E显示了用于选择PBM银行信用卡、例如西特卡功能的PBM屏幕290-330。 Figure 16A-16E show the credit card used to select the bank PBM, PBM screen functions such as Sitka 290-330.

图16A显示了一个在客户选择获得一个银行信用卡之后出现的屏幕290。 16A shows a selection screen 290 appears after obtaining a bank credit card customers. 客户被提示“触摸这里”291,以便进行对PBM产生的银行信用卡的打印和分发。 The customer is prompted to "touch here" 291, for printing and distribution of bank credit cards PBM produced.

图16B展示了客户银行信用卡301在被客户接受之前的图象。 16B shows the image bank customers 301 before being accepted credit card customers. 客户签名也显示在银行信用卡上。 Customer signature is also displayed on the bank credit card. 然后提示客户通过按下“触摸这里”按钮302接受该签名或通过选择“重试”按钮303重新签名。 And then prompts the user by pressing the "Touch Here" button 302 to accept the signature or by selecting the "Retry" button 303 to re-sign.

图16C显示了一个具有用于显示客户输入数据和/或确认这种数据的子窗口312的图形键盘311。 16C shows a display for a customer having a data input and / or confirmation of such data sub-windows 311,312 of the graphical keyboard. 该屏幕还显示原文指示引导,以帮助客户输入和选择一个PIN。 The screen also displays text instruction guides, to help customers select and enter a PIN.

图16D显示了一个通知客户PBM正在打印她的银行信用卡的屏幕320。 FIG. 16D shows a PBM notify the customer is printing her bank credit card screen 320.

图16E显示了一个通知客户她的银行信用卡已经从图1的银行信用卡插槽4发出的屏幕330。 Figure 16E shows a screen 330 to notify customers of her bank credit card has 4 slots emanating from the bank credit card of Figure 1. 在客户将银行信用卡从PBM取走之后,她按下所显示的“触摸这里”331按钮,以继续进行其他PBM工具功能。 Bank credit card customers from the PBM removed after she pressed the display "touch here" 331 button to continue with other PBM tools function.

图17显示了一个显示因特网网址的PBM屏幕340。 17 shows a display screen 340 PBM Internet site. 该屏幕展示关于PBM银行的信息。 This screen shows information about PBM banks. 如图所示,客户已经通过按下“关于银行”按钮105选择了图3的因特网工具功能16。 As shown, the client has by pressing the "on bank" button 105 to select the Internet function tool 16 of FIG. 3. PBM的访问因特网的能力使PBM用户能够获得大量不仅涉及银行产品和服务而且涉及银行作为一个机构的信息,以及其他的与银行业务有关的因特网网址。 PBM's ability to access the Internet so that users can get a lot of PBM involves not only banking products and services but also to the bank as an institution of information, and other banking-related Internet sites.

图18展示了一个显示视频演示30的PBM屏幕350。 Figure 18 shows a display screen video presentation PBM 30 350. 该屏幕展示了关于银行产品和服务的视频图形信息351。 The screen shows 351 video graphics information on banking products and services. 所包括的“下一个”按钮352允许用户继续获得另外的信息。 Included in the "next" button 352 allows the user to continue to obtain additional information.

前面已经描述了满足上述目的的本发明的实施例。 The foregoing has described embodiments of the present invention satisfies the above object. 应该理解,这些实施例仅仅出于例示的目的,对于考察和实践了本发明的本领域普通技术人员来说将是显而易见的。 It should be understood that these embodiments are merely for purposes of illustration, for the study and practice of those of ordinary skill in the art of the present invention will be apparent to.

Claims (93)

1.一种使用户获得金融信息并执行银行业务交易的方法,包括:访问一个用户界面;将用户登记为一个银行客户;用户界面自动提示用户输入用户识别数据;用户界面接受用户识别数据;界面将用户识别数据自动发送给一个具有数据库的远程处理单元;远程处理单元自动确定用户是否是一个非客户;远程处理单元将数据库信息自动发送给用户界面;用户界面自动显示一个功能菜单;用户界面自动提示用户选择一个功能;用户界面接受来自用户的关于所选择功能的信息;以及用户界面执行所选择功能。 A allowing users access to financial information and perform banking transactions, comprising: accessing a user interface; to register the user as a bank customer; the user interface automatically prompts the user to enter a user identification data; user interface to accept user identification data; interface automatically transmitting user identification data to a remote processing unit database having; remote processing unit automatically determines whether the user is a non-client; remote processing unit automatically sends the database information to the user interface; user interface automatically displays a function menu; Automated user interface It prompts the user to select a function; the user interface receives information about the selected function from the user; and the user interface to execute the selected function.
2.如权利要求1所述的方法,其中,用户是一个非客户。 2. A method as claimed in claim 1, wherein the user is a non-client.
3.如权利要求1所述的方法,还包括:用户界面提示用户输入附加信息;以及,用户界面接受附加信息。 The method according to claim 1, further comprising: a user interface prompting the user for additional information; and a user interface to accept additional information.
4.如权利要求3所述的方法,还包括:通过访问至少一个非银行远程处理单元数据库来核对用户识别数据。 4. The method according to claim 3, further comprising: accessing at least one non-bank database remote processing unit to check user identification data.
5.如权利要求1所述的方法,其中,用户选择还包括:用户界面提示用户从包含交易功能和信息功能的组中选择一个;用户界面接受所选择的功能;以及用户界面显示所选择的功能。 5. The method according to claim 1, wherein the user selection further comprises: a user interface prompts the user to select a function from the group consisting transactions and function's information; user interface to accept a selected function; and a user interface displaying the selected Features.
6.如权利要求5所述的方法,其中,如果选择了一个交易功能,则用户进一步从包含请求个人支票、补充支票、出纳员支票、银行信用卡、开设一个帐户、修改一个帐户、访问因特网以及请求一个演示的组中选择出一个。 6. A method as claimed in claim 5, wherein, if a transaction function is selected, the user further comprises a request from the personal check, the check supplement, cashier checks, bank credit card, an account set up, modify an account, access the Internet and request a demonstration of a selected group.
7.如权利要求5所述的方法,其中,如果选择了一个信息功能,则用户进一步从包含储蓄、借贷、家庭银行业务、旅游、因特网以及演示功能的组中选择出一个。 7. A method as claimed in claim 5, wherein, if a message function is selected, a user is further selected from the group consisting of savings, loans, home banking, travel, and presentation capabilities of the Internet.
8.如权利要求6所述的方法,还包括:用户界面自动提示用户将她的签名输入进一个签名记录设备;签名记录设备接受用户输入的签名;用户界面显示用户识别数据;用户界面自动提示用户确认所显示的数据;用户界面接受用户对所显示数据的确认;如果数据不正确,用户界面接受用户输入的改正的用户识别数据;以及远程处理单元自动更新数据库识别数据。 8. The method according to claim 6, further comprising: a user interface automatically prompt the user to enter her signature into a signature recording device; signed signature recording device accepts user input; user interface displays user identification data; automatically prompt a user interface the user confirms the displayed data; a user interface receiving user to confirm the displayed data; if the data is not correct, the user interface accepts user identification data to correct user input; and a remote processing unit automatically updates the database identification data.
9.如权利要求1所述的方法,还包括:用户界面自动提示用户选择要被存入一个用户帐户的资金的来源;用户界面接受用户选择的资金来源;用户界面接受用户选择的资金数量;用户界面自动提示用户确认所选择的来源和数量;用户界面接受用户对所选择来源和数量的确认;用户界面将所选择的来源和数量自动发送到远程处理单元;远程处理单元自动核对所选择的来源和数量;远程处理单元自动记录所选择的来源和数量;以及将所请求的数量记入一个用户帐户。 9. The method according to claim 1, further comprising: a user interface automatically prompt the user to select the source of funds to be stored in a user account; a user interface accepting a user selection of the source of funds; user interface accepts user selected amount of money; the user interface automatically prompts the source and quantity user to confirm the selected; user interface receiving a user confirmation of the source and quantity selected; user interface to sources and amounts of the selected automatically sent to a remote processing unit; remote processing unit automatically against the selected the source and quantity; number of sources and the remote processing unit automatically records selected; and the requested amount credited to a user account.
10.如权利要求9所述的方法,其中,资金来源包括:包含非客户银行帐户、已有银行帐户、银行信用卡、现金或支票的组中的至少一个。 10. The method according to claim 9, wherein the source of funds comprising: a non-customer bank account, has bank accounts, bank credit card, cash or check at least one of the group.
11.如权利要求1所述的方法,其中,自动提示用户进行选择以便通过照相机获得他们的照片;如果选择了,则将图象自动显示给用户;然后自动提示用户接受或重新获得用户图象;以及如果接受,将图象自动发送到远程处理单元。 11. The method according to claim 1, wherein automatically prompts the user to select in order to obtain their pictures by the camera; if selected, the image will be automatically displayed to the user; then automatically prompt the user to accept or retrieve user images ; and if accepted, the image is automatically sent to a remote processing unit.
12.如权利要求11所述的方法,其中,所述所选择图象被自动打印在一个银行信用卡上,银行信用卡随后被发给用户。 12. The method of claim 11, wherein the selected image is automatically printed on a bank credit card, bank credit card is then issued to the user.
13.如权利要求1所述的方法,其中,自动提示用户通过用户的声音提供另外的个人信息。 13. The method according to claim 1, wherein automatically prompt the user to provide additional personal information by a user's voice.
14.如权利要求13所述的方法,其中,用户声音被电子获得,并自动发送给远程处理单元。 14. The method as claimed in claim 13, wherein the electronic user's voice is obtained, and automatically transmitted to the remote processing unit.
15.一种使用户获得金融信息并执行银行业务交易的方法,包括:访问一个用户界面;用户界面自动提示用户输入用户识别数据;用户界面接受用户识别数据;界面将用户识别数据自动发送给一个具有数据库的远程处理单元;远程处理单元自动核对用户识别数据;远程处理单元自动确定用户是一个客户还是一个非客户;远程处理单元将数据库信息自动发送给用户界面;用户界面自动显示一个功能菜单;用户界面自动提示用户选择一个功能;用户界面接受来自用户的关于所选择功能的信息;以及用户界面执行所选择功能。 15. A method of allowing users access to financial information and perform banking transactions, comprising: accessing a user interface; the user interface automatically prompts the user to enter a user identification data; user interface to accept user identification data; interface will automatically send data to a user identification remote processing unit having a database; remote processing unit automatically check the user identification data; remote processing unit automatically determines that the user is a customer or a non-customer; remote processing unit automatically sends the database information to the user interface; user interface automatically displays a menu; the user interface automatically prompt the user to select a function; user interface receives information on the selected function from the user; and a user interface to execute the selected function.
16.如权利要求15所述的方法,其中,访问步骤包括使用一个终端。 16. The method according to claim 15, wherein the step of accessing comprises using a terminal.
17.如权利要求15所述的方法,其中,用户界面包括一个银行信用卡读取设备。 17. The method as claimed in claim 15, wherein the user interface comprises a bank card reading device.
18.如权利要求15所述的方法,其中,用户识别数据包括用户的个人信息。 18. The method of claim 15, wherein the user identification data includes the user's personal information.
19.如权利要求18所述的方法,其中,用户识别号数据包括个人识别号。 19. The method as claimed in claim 18, wherein the user identification number data comprises a personal identification number.
20.如权利要求15所述的方法,其中,数据库包括银行产品、服务和用户信息。 20. The method as claimed in claim 15, wherein the database comprises banking products, services, and user information.
21.如权利要求15所述的方法,还包括:用户界面提示用户输入附加信息;以及,用户界面接受附加信息。 21. The method according to claim 15, further comprising: a user interface prompting the user for additional information; and a user interface to accept additional information.
22.如权利要求15所述的方法,其中,用户选择还包括:用户界面提示用户从包含交易功能和信息功能的组中选择一个;用户界面接受所选择的功能;以及用户界面显示所选择的功能。 22. The method according to claim 15, wherein the user selection further comprises: a user interface prompts the user to select a function from the group consisting transactions and function's information; user interface to accept a selected function; and a user interface displaying the selected Features.
23.如权利要求22所述的方法,其中,如果选择了一个交易功能,则作为客户的用户进一步从包含请求个人支票、补充支票、出纳员支票、银行信用卡、开设一个帐户、修改一个帐户、访问因特网以及请求一个演示的组中选择出一个。 23. The method according to claim 22, wherein, if a transaction function is selected, the user as a customer from further comprising a personal check request, the replenishment check, cashier checks, bank credit card, an account set up, modify an account, access the Internet and request a demo of the group selects one.
24.如权利要求23所述的方法,其中,选择用于获得个人支票的功能的步骤包括:用户界面自动提示用户对个人支票的请求;用户界面将对个人支票的请求自动发送到远程处理单元;远程处理单元确认该对个人支票的请求,并将一个确认发送给用户界面;用户界面自动显示用户的当前地址;用户界面自动提示用户确认或改正用户的当前地址;如果地址不正确,用户界面接受用户的改正的当前地址;如果地址已经被改正,用户界面将改正的当前地址自动发送给远程处理单元;用户界面将当前地址自动发送给远程处理单元;远程处理单元自动核对当前地址;如果当前地址已经被改正,远程处理单元自动更新数据库信息;远程处理单元将数据库信息自动发送给用户界面;用户界面自动提示用户选择使支票被邮寄给用户或者使支票被打印并直接发给用户;以 24. The method according to claim 23, wherein the selecting step for obtaining a personal check function comprising: a user interface automatically prompt the user to request personal checks; personal check request user interface will automatically sent to a remote processing unit ; remote processing unit confirms that the request for a personal check, and a confirmation is sent to the user interface; user interface automatically displays the current address of the user; a user interface automatically prompt the user to confirm or correct the current address of the user; if the address is incorrect, the user interface accept user correction current address; if the address has been corrected, the user interface will be corrected current address is automatically transmitted to a remote processing unit; a user interface the current address is automatically transmitted to a remote processing unit; remote processing unit automatically check the current address; if the current address has been corrected, the remote processing unit automatically updates the database information; remote processing unit automatically sends the database information to the user interface; user interface automatically prompts the user to select the check is mailed to the user, or the check is printed and sent directly to the user; to 如果选择了分发支票,则打印和分发支票。 If you choose to distribute checks, print and distribute checks.
25.如权利要求23所述的方法,其中,选择用于获得补充支票的功能的步骤包括:用户界面自动提示用户对补充支票的请求;用户界面将对支票的请求自动发送到远程处理单元;远程处理单元确认该对支票的请求,并将一个确认发送给用户界面;用户界面自动显示用户的当前地址;用户界面自动提示用户确认或改正当前地址;如果地址不正确,用户界面接受用户的改正的当前地址;如果地址已经被改正,用户界面将改正的当前地址自动发送给远程处理单元;用户界面将当前地址自动发送给远程处理单元;远程处理单元自动核对当前地址;如果当前地址已经被改正,远程处理单元自动更新数据库信息;远程处理单元将数据库用户信息自动发送给用户界面;用户界面自动提示用户选择补充支票的一个式样;用户界面接受对所选择支票式样的确认;显示支 25. A method as recited in claim 23, wherein, for obtaining the selected supplemental check function comprising: a user interface prompts the user to automatically check request for supplementary; user interface will automatically check request sent to a remote processing unit; remote processing unit confirms that the request for a check and a confirmation is sent to the user interface; user interface automatically displays the current address of the user; a user interface automatically prompt the user to confirm or correct current address; if the address is not correct, the user interface accepts user corrections a current address; if the address has been corrected, the user interface will be corrected current address is automatically transmitted to a remote processing unit; a user interface the current address is automatically transmitted to a remote processing unit; remote processing unit automatically check the current address; if the current address has been corrected , remote processing unit automatically updates the database information; remote processing unit automatically sends the user information database to the user interface; user interface automatically prompt the user to select a complementary pattern check; user interface accepts confirmation of the check pattern selected; displaying branched 的一个图象;用户界面自动提示用户确认在支票上显示的信息;如果支票信息不正确,用户界面接受用户的改正的支票信息;如果所选择的支票式样不正确,用户界面接受用户的改正的支票式样;用户界面自动提示用户输入要打印的第一个支票号;用户界面自动提示用户选择使支票被邮寄给用户或者使支票被打印并直接发给用户;以及如果选择了分发支票,则打印和分发支票。 An image; user interface automatically prompt the user to confirm the information displayed on the check; check if the information is incorrect, the user interface accept checks correct information of the user; check if the selected pattern is not correct, the user interface accepts user correction check pattern; user interface automatically prompts the user to enter the first check number to be printed; user interface automatically prompts the user to select the check is mailed to the user or the check is printed and sent directly to the user; and if you choose to distribute checks, print and distributing checks.
26.如权利要求23所述的方法,其中,选择用于获得出纳员支票的功能的步骤还包括:用户界面自动提示用户输入收款人识别信息和一个支票数量;显示支票的一个图象;用户界面自动提示用户确认在支票上显示的信息;如果支票信息不正确,用户界面接受用户的改正的支票信息;用户界面将支票信息自动发送给远程处理单元;远程处理单元自动核对支票信息;远程处理单元自动更新数据库支票信息;远程处理单元将数据库支票信息自动发送给用户界面;打印支票、信封和收据;以及分发支票、信封和收据。 26. The method according to claim 23, wherein the selecting step for obtaining a cashier check function further comprises: a user interface automatically prompts the user to enter the payee information and the identification number of a check; displaying an image check; the user interface automatically prompt the user to confirm the information displayed on the check; If the check information is incorrect, the user interface accept checks information correction user; user interface will automatically send a check message to a remote processing unit; remote processing unit automatically check the check information; remote the processing unit automatically updates the database information check; remote processing unit automatically sends a check message to the user interface database; print checks, envelopes and receipts; and a distribution checks, envelopes and receipts.
27.如权利要求23所述的方法,其中,选择用于获得银行信用卡的功能的步骤还包括:用户界面自动提示用户将用户签名输入进一个签名记录设备;签名记录设备接受用户的签名;用户界面显示包括用户识别数据的银行信用卡的一个图象;用户界面自动提示用户确认在银行信用卡上显示的数据;如果银行信用卡数据不正确,用户界面接受用户的改正的用户识别数据;用户界面将银行信用卡数据自动发送给远程处理单元;远程处理单元自动核对银行信用卡数据;远程处理单元自动更新数据库银行信用卡数据;远程处理单元将数据库银行信用卡数据自动发送给用户界面;打印银行信用卡;以及分发银行信用卡。 Step 27. The method according to claim 23, wherein the selected function for obtaining bank credit card further comprises: a user interface automatically prompt the user to enter a user signature record signature input device; signature recording device accepts a user's signature; User interface display includes an image bank credit card user identification data; a user interface automatically prompts the user to confirm the data displayed on the bank credit card; if the bank card data is incorrect, the user interface accepts user identification data of the user corrected; UI bank Credit card data is automatically sent to the remote processing unit; a remote processing unit automatic reconciliation of bank credit card data; remote processing unit automatically updates the database bank credit card data; remote processing unit automatically sends database Bank credit card data to the user interface; print bank credit card; and the distribution of bank credit card .
28.如权利要求27所述的方法,还包括:用户界面提示用户输入另外的或更新的信息;用户界面接受输入的信息;以及在分发银行信用卡之前将信息自动存储在银行信用卡上。 28. The method of claim 27, further comprising: a user interface prompts the user for additional information or updated; user interface receives input; and before the distribution on the bank credit card information is automatically stored in the bank card.
29.如权利要求23所述的方法,还包括:用户界面自动提示用户对改变个人识别号的请求;如果请求改变,用户界面接受用户的新个人识别号;用户界面自动提示用户确认新的个人识别号;如果用户是一个非客户,提示用户选择一个个人识别号;用户界面接受用户输入的个人识别号;用户界面在重新输入了个人识别号之后接受对所选择个人识别号的确认;用户界面将个人识别号自动发送给远程处理单元;远程处理单元将个人识别号自动登记在数据库中;以及远程处理单元自动核对个人识别号。 29. The method according to claim 23, further comprising: a user interface prompts the user to automatically request for a change of the personal identification number; if the request to change the user interface to accept the new user's personal identification number; user interface automatically prompt the user to confirm the new personal identification number; if the user is a non-client, the user is prompted to select a personal identification number; the user interface to accept the personal identification number entered by the user; the user interface to accept the confirmation of the personal identification number selected after re-enter the personal identification number; user interface a personal identification number will be sent automatically to a remote processing unit; remote processing unit automatically registered in the personal identification number database; and the remote processing unit automatically check the personal identification number.
30.如权利要求23所述的方法,其中,演示包括一个视频展示。 30. The method according to claim 23, wherein the presentation comprises a video display.
31.如权利要求23所述的方法,其中,演示包括一个图形演示。 31. The method according to claim 23, wherein the presentation includes a graphical presentation.
32.如权利要求23所述的方法,其中,选择用于开设一个新帐户的功能的步骤还包括:用户界面自动提示用户将她的签名输入进一个签名记录设备;签名记录设备接受用户输入的签名;用户界面显示用户识别数据;用户界面自动提示用户确认所显示的数据;用户界面接受用户对所显示数据的确认;如果数据不正确,用户界面接受用户输入的改正的用户识别数据;以及远程处理单元自动更新数据库识别数据。 Step 32. The method according to claim 23, wherein, to open a new account selection function further comprises: a user interface automatically prompt the user to enter her signature into a signature recording device; signature recording device accepts user input signature; user interface displays user identification data; a user interface automatically prompt the data the user confirms the displayed; user identification data if the data is incorrect, the user interface to correction input by a user;; a user interface acceptance acknowledgment of user data on the display and remote The processing unit automatically updates the database identification data.
33.如权利要求32所述的方法,其中,对用户识别数据的核对还包括访问非银行远程处理单元数据库。 33. The method of claim 32, wherein the user identification check data further includes non-bank access remote database processing unit.
34.如权利要求32所述的方法,其中,自动提示用户选择通过一个照相机来获得他们的照片;如果选择了,则将图象自动显示给用户;以及然后自动提示用户接受或重新获得用户图象。 34. The method according to claim 32, wherein automatically prompt the user to select to get their photos by a camera; if selected, the image will be automatically displayed to a user; and then automatically prompt the user to retrieve user to accept or FIG. like.
35.如权利要求34所述的方法,其中,将被接受的图象自动发送到远程处理单元。 35. The method as claimed in claim 34, wherein the image is to be accepted automatically sent to a remote processing unit.
36.如权利要求34所述的方法,其中,所述所选择图象被自动打印在一个银行信用卡上,银行信用卡随后被发给用户。 36. The method according to claim 34, wherein the selected image is automatically printed on a bank credit card, bank credit card is then issued to the user.
37.如权利要求32所述的方法,其中,自动提示用户通过用户的声音提供另外的个人信息。 37. The method according to claim 32, wherein automatically prompt the user to provide additional personal information by a user's voice.
38.如权利要求37所述的方法,其中,用户声音被电子获得,并自动发送给远程处理单元。 38. The method according to claim 37, wherein the electronic user's voice is obtained, and automatically transmitted to the remote processing unit.
39.如权利要求23所述的方法,其中,选择用于开设一个帐户的功能的步骤还包括:用户界面自动提示用户选择一个为新帐户提供资金的方式;用户界面接受用户选择的提供资金方式;用户界面接受用户选择的要提供资金数量;用户界面自动提示用户确认所选择的方式和数量;用户界面接受用户对所选择方式和数量的确认;用户界面将所选择方式和数量自动发送给远程处理单元;远程处理单元自动核对所选择的方式和数量;以及远程处理单元自动记录所选择的方式和数量。 Step 39. The method according to claim 23, wherein, to open an account for the selected function further comprises: a user interface automatically prompt the user to select a mode for the new account funding; user interface receiving user selection mode funding ; user interface to accept user-selected to provide the amount of funding; user interface automatically prompt manner and the number of users confirm the selected; user interface accepts a user to confirm the mode and number of selected; user interface to the remote mode and the number is automatically sent to selected the processing unit; remote processing unit to be automatically checked and the number of the selected mode; and a remote processing unit to be automatically recorded and the number of the selected mode.
40.如权利要求23所述的方法,其中,选择用于开设一个新帐户的功能的步骤还包括:用户界面自动提示用户将用户的签名输入进一个签名记录设备;以及签名记录设备接受用户输入的签名。 Step 40. The method according to claim 23, wherein, to open a new account selection function further comprises: a user interface will automatically prompt the user input into a user's signature signature recording device; and a signature recording device accepts user input signature.
41.如权利要求39所述的方法,其中,提供资金的方式包括一个已有帐户。 41. The method according to claim 39, wherein the funding embodiment comprises an existing account.
42.如权利要求41所述的方法,还包括用户界面接受用户识别数据、帐户信息和数量的步骤。 42. The method according to claim 41, further comprising a user interface receiving user identification data, account information, and the number of steps.
43.如权利要求39所述的方法,其中,提供资金的方式包括一个银行信用卡。 43. The method according to claim 39, wherein the funding embodiment comprises a bank credit card.
44.如权利要求43所述的方法,还包括用户界面接受一个银行信用卡的步骤。 44. The method according to claim 43, further comprising the step of a user interface to accept a bank credit card.
45.如权利要求39所述的方法,其中,提供资金的方式包括现金。 45. The method according to claim 39, wherein the cash funding manner.
46.如权利要求45所述的方法,还包括用户界面接受现金的步骤。 46. ​​The method according to claim 45, further comprising the step of a user interface to accept cash.
47.如权利要求39所述的方法,其中,提供资金的方式包括一个支票。 47. The method according to claim 39, wherein the funding embodiment comprises a check.
48.如权利要求47所述的方法,还包括用户界面接受一个支票的步骤。 48. The method according to claim 47, further comprising a user interface to accept a check step.
49.如权利要求23所述的方法,其中,选择用于修改一个帐户的功能的步骤还包括:用户界面自动提示用户对用户识别数据修改的请求;用户界面接受用户改变的用户识别数据;用户界面自动显示新的用户识别数据;用户界面自动提示用户确认新的用户识别数据;用户输入对新的用户识别数据的确认;用户界面将新的用户识别数据自动发送给远程处理单元;远程处理单元自动核对新的用户识别数据;以及远程处理单元将核对过的新用户识别数据自动发送给用户界面。 Step 49. The method according to claim 23, wherein, for modifying a selected account functions further comprising: a user interface automatically prompt the user for user identification data request modification; user identification data the user interface accepts user changes; user interface automatically displays the new user identification data; a user interface automatically prompt the user to confirm the new user identification data; a user input confirmation of the new user identification data; a user interface to the new user identification data is automatically transmitted to a remote processing unit; remote processing unit automatic verification of new user identification data; and a remote processing unit collated new user identification data is automatically sent to the user interface.
50.如权利要求49所述的方法,还包括在第一个帐户和第二个帐户之间传递资金的步骤。 50. The method according to claim 49, further comprising the step of transfer of funds between the first account and a second account.
51.如权利要求50所述的方法,其中,第一个帐户是客户帐户,第二个帐户是非客户帐户。 51. The method of claim 50 second account non-client accounts claim, wherein the first account is a customer account.
52.如权利要求23所述的方法,其中,选择用于访问因特网的功能的步骤还包括:用户界面自动提示用户选择基于因特网的交易信息;用户界面接受用户对于所选择的基于因特网的交易信息的请求;用户界面将对基于因特网的交易信息的请求自动发送给远程处理单元;远程处理单元自动访问所请求的基于因特网的交易信息;远程处理单元将所请求的基于因特网的交易信息自动发送给用户界面;以及用户界面自动显示所选择的基于因特网的交易信息;以及用户界面执行基于因特网的交易。 Step 52. A method according to claim 23, wherein the selection function for accessing the Internet further comprises: a user interface automatically prompt the user to select an Internet-based transaction; a user interface for the user to accept the transaction based on the selected Internet information request; user interface will be automatically sent to the remote transaction request information processing unit based on the Internet; remote processing unit to be automatically Internet-based access to the requested transaction information; remote processing unit automatically sends the requested information based on the transaction to the Internet user interface; and a user interface automatically displays the selected Internet-based transaction information; and a user interface to perform Internet-based transactions.
53.如权利要求23所述的方法,其中,对交易功能的选择还包括用户界面自动提示给用户一个请求和接收来自一个银行服务代表的帮助的选项。 53. The method according to claim 23, wherein the selection of a transaction function further includes a user interface options to the user is automatically prompted to request and receive assistance from a service representative of the bank.
54.如权利要求53所述的方法,还包括用户界面接受用户所请求的来自银行服务代表的关于所选择交易功能的帮助;以及将用户连接到银行服务代表以得到帮助。 54. A method according to claim 53, further comprising a user interface receiving transactions on the help function selected from the banking service on behalf of the user request; and connects the user to the bank service representative for assistance.
55.如权利要求54所述的方法,还包括通过双向视频电视会议将用户连接到银行服务代表。 55. The method according to claim 54, further comprising a video conference through two-way video to users connected to the bank service representative.
56.如权利要求54所述的方法,还包括用户和银行服务代表使用电话。 56. The method according to claim 54, further comprising a user and a phone banking service representatives.
57.如权利要求15所述的方法,还包括产生一个输出。 57. The method according to claim 15, further comprising generating an output.
58.如权利要求57所述的方法,其中,输出包括来自包含个人支票、补充支票、出纳员支票、银行信用卡、活动摘要、报告、演示信息和从因特网获得的信息的组中的至少一个。 58. The method according to claim 57, wherein the output includes personal check comprising from supplementary check, cashier checks, bank credit cards, the event summary reports, presentations and group information obtained from at least one of the Internet.
59.如权利要求22所述的方法,其中,如果选择了一个信息功能,则用户进一步从包含储蓄、借贷、家庭银行业务、旅游、因特网和演示功能的组中选择出一个。 59. The method according to claim 22, wherein, if a message function is selected, the user is further selected from a group comprising savings, loans, home banking, travel, and presentation capabilities of the Internet.
60.如权利要求59所述的方法,其中,用户是一个非客户。 60. The method as claimed in claim 59, wherein the user is a non-client.
61.如权利要求59所述的方法,其中,所选择的信息功能包括银行储蓄帐户信息。 61. The method as claimed in claim 59, wherein the selected information includes a bank savings account information function.
62.如权利要求61所述的方法,其中,选择用于储蓄帐户信息的信息功能还包括:用户界面自动提示用户选择储蓄信息;用户界面接受用户对储蓄信息的选择;用户界面将对储蓄信息的请求自动发送给远程处理单元;以及远程处理单元将储蓄信息自动发送给用户界面。 62. The method according to claim 61, wherein the function information selected for further savings account information comprises: a user interface prompts the user to select automatic saving information; accepting a user selection of a user interface saving information; user interface will save information request sent automatically to a remote processing unit; and a remote processing unit information is automatically transmitted savings to the user interface.
63.如权利要求62所述的方法,还包括:用户界面自动提示用户是否接收打印的储蓄信息;用户界面接受用户对接收打印的储蓄信息的请求;以及用户界面打印储蓄信息。 63. The method according to claim 62, further comprising: a user interface to automatically prompt the user to save the received print information; user interface accepts user requests for information received printed savings; save print information and a user interface.
64.如权利要求59所述的方法,其中,所选择信息功能包括银行借贷服务信息。 64. The method according to claim 59, wherein the function selection information including bank lending service information.
65.如权利要求64所述的方法,其中,选择用于借贷服务信息的信息功能还包括:用户界面自动提示用户选择借贷服务信息;用户界面接受用户对借贷服务信息的选择;用户界面将对借贷服务信息的请求自动发送给远程处理单元;以及远程处理单元将借贷服务信息自动发送给用户界面。 65. The method according to claim 64, wherein the function information selected for lending service information further comprises: a user interface prompts the user to select auto loan service information; accepting a user selection of a user interface lending service information; user interface will lending request service information is automatically transmitted to a remote processing unit; and remote processing unit automatically sends the service information to the user interface lending.
66.如权利要求65所述的方法,还包括:用户界面自动提示用户接收借贷服务信息;用户界面接受用户对接收打印的借贷服务信息的请求;以及用户界面打印借贷服务信息。 66. The method according to claim 65, further comprising: a user interface automatically prompt the user receives the service information lending; user interface accepts user requests for service information received lending printed; borrowing and a user interface print service information.
67.如权利要求59所述的方法,其中,所选择的信息功能包括家庭银行业务产品和服务信息。 67. The method according to claim 59, wherein the selected information comprises home banking functions of product and service information.
68.如权利要求67所述的方法,其中,选择用于家庭银行业务产品和服务信息的信息功能还包括下列步骤:用户界面自动提示用户选择家庭银行业务产品和服务信息;用户界面接受用户对家庭银行业务产品和服务信息的选择;用户界面将对家庭银行业务产品和服务信息的请求自动发送给远程处理单元;以及远程处理单元将家庭银行业务产品和服务信息自动发送给用户界面。 68. The method according to claim 67, wherein the selected function service information for products and services home banking further comprising the steps of: a user interface automatically prompts the user to select products and services, home banking information; and a user interface for accepting user select home banking product and service information; requesting user interface will business products and services, home banking information is automatically sent to the remote processing unit; and a remote processing unit will be automatically sent home banking product and service information to the user interface.
69.如权利要求68所述的方法,还包括:用户界面自动提示用户接收打印的家庭银行业务产品和服务信息;用户界面接受用户对接收打印的家庭银行业务产品和服务信息的请求;以及用户界面打印家庭银行业务产品和服务信息。 69. A method according to claim 68, further comprising: a user interface automatically prompt the user to print the received products and services, home banking information; user interface accepts user requests for home banking services and products to print information received; and a user Printer-home banking products and services.
70.如权利要求59所述的方法,其中,所选择的信息功能包括旅游服务信息。 70. The method according to claim 59, wherein the selected function comprises a travel information service information.
71.如权利要求70所述的方法,其中,选择用于旅游服务信息的信息功能还包括:用户界面自动提示用户选择旅游服务信息;用户界面接受用户对旅游服务信息的选择;用户界面将对旅游服务信息的请求自动发送给远程处理单元;以及远程处理单元将旅游服务信息自动发送给用户界面。 71. A method according to claim 70, wherein the function selection information for travel service information further comprises: a user interface prompts the user to select automatic travel service information; a user interface for accepting a user selection of the Travel service information; user interface will travel service information request is automatically transmitted to a remote processing unit; and remote processing unit automatically sends information about travel services to the user interface.
72.如权利要求71所述的方法,还包括:用户界面自动提示用户接收打印的旅游服务信息;用户界面接受用户对接收打印的旅游服务信息的请求;以及用户界面打印旅游服务信息。 72. A method according to claim 71, further comprising: a user interface automatically prompt the user receives the printing information tours; and the user interface for accepting user requests received print travel service information; and a user interface print travel service information.
73.如权利要求59所述的方法,其中,所选择的信息功能包括基于因特网的信息。 73. The method according to claim 59, wherein the selected function comprises information Internet-based information.
74.如权利要求73所述的方法,还包括:用户界面自动提示用户请求基于因特网的信息;用户界面接受用户对基于因特网的信息的请求;用户界面将对基于因特网的信息的请求自动发送给远程处理单元;远程处理单元自动访问所请求的基于因特网的信息;远程处理单元将所请求的基于因特网的信息自动发送给用户界面;以及用户界面自动显示所选择的基于因特网的信息;用户界面自动提示用户请求打印的基于因特网的信息;用户界面接受用户对接收打印的基于因特网的信息的请求;以及用户界面打印基于因特网的信息。 74. The method according to claim 73, further comprising: a user interface prompts the user to request auto-Internet-based information; user interface accepts user requests for Internet-based information; user interface will be automatically sent to the Internet based on the request information remote processing unit; remote processing unit to be automatically requested access Internet-based information; remote processing unit requested Internet-based information is automatically sent to the user interface; and a user interface automatically displays the selected Internet-based information; user interface automatically prompting the user requests printing of Internet-based information; a user interface to accept a user request for Internet-based printing of information received; and a user interface print Internet-based information.
75.如权利要求59所述的方法,其中,所选择的信息功能还包括一个视频演示。 75. A method according to claim 59, wherein the selected information comprises a video presentation features.
76.如权利要求75所述的方法,其中,选择用于视频演示的信息功能还包括:用户界面自动提示用户选择一个视频演示;用户界面接受用户对视频演示的选择;以及用户界面自动显示所选择的视频演示。 76. A method according to claim 75, wherein selection information for video presentation function further comprises: a user interface automatically prompts the user to select a video presentation; user interface accepting a user selection of a video presentation; and a user interface automatically displays the select the video presentation.
77.如权利要求76所述的方法,还包括:用户界面将对视频演示的请求自动发送给远程处理单元;以及远程处理单元将视频演示自动发送给用户界面。 77. The method according to claim 76, further comprising: a user interface requesting a video presentation will be automatically transmitted to a remote processing unit; and remote processing unit automatically sent to the video user interface presentation.
78.如权利要求59所述的方法,其中,所选择的信息功能还包括一个图形演示。 78. The method according to claim 59, wherein the selected information further comprises a graphical presentation functions.
79.如权利要求78所述的方法,其中,选择用于图形演示的信息功能还包括:用户界面自动提示用户选择一个图形演示;用户界面接受用户对图形演示的选择;以及用户界面自动显示所选择的图形演示。 79. The method according to claim 78, wherein selection information for graphic presentation function further comprises: a user interface automatically prompts the user to select a graphical presentation; user interface accepting a user selection of a graphical presentation; and a user interface automatically displays the select the graphic presentation.
80.如权利要求78所述的方法,还包括:用户界面将对图形演示的请求自动发送给远程处理单元;以及远程处理单元将图形演示自动发送给用户界面。 80. The method of claim 78, further comprising: a graphical user interface presentation request will be sent automatically to a remote processing unit; and a remote processing unit automatically sent to the graphic user interface presentation.
81.如权利要求78所述的方法,还包括:用户界面自动提示用户是否从图形演示接收所选择的帧;用户界面接受用户对来自图形演示的帧的选择;以及用户界面打印所选择的帧。 81. The method according to claim 78, further comprising: a user interface automatically prompts the user whether the frame received from the selected graphical presentation; a user interface for accepting a user selection from a graphical representation of the frame; and a frame selected by a user interface print .
82.如权利要求59所述的方法,其中,选择信息功能还包括用户界面自动提示给用户一个请求来自银行服务代表的帮助的选项。 82. The method according to claim 59, wherein the selection information further comprises a user interface function automatically prompt the user the option to request assistance from a service representative of the bank.
83.如权利要求59所述的方法,还包括产生一个输出。 83. The method according to claim 59, further comprising generating an output.
84.如权利要求83所述的方法,其中,输出包括与包含储蓄、借贷、家庭银行业务、旅游、因特网和演示功能的组中的至少一个有关的信息。 84. The method according to claim 83, wherein the output includes information relating to the group comprising savings, loans, home banking, travel, presentation capabilities of the Internet and at least one.
85.一种使用户获得金融信息并执行银行业务交易的系统,包括:用于访问一个用户界面的装置;使用户界面自动提示用户输入用户识别数据的装置;用于输入用户识别数据的装置;使界面将用户识别数据自动发送给一个具有数据库的远程处理单元的装置;使远程处理单元自动核对用户识别数据的装置;使远程处理单元自动确定用户是否是一个非客户的装置;使远程处理单元将数据库信息自动发送给用户界面的装置;使用户界面自动显示一个功能菜单的装置;使用户选择一个功能的装置;使用户界面自动提示用户输入所选择功能的数据的装置;使用户输入与所选择功能有关的数据的装置;以及使用户界面执行所选择功能的装置。 85. A method of allowing users access to financial information and perform bank transaction service system, comprising: means for accessing a user interface; automatically prompt the user interface allows the user to input means of the user identification data; means for input of user identification data; that the interface will automatically send the user identification data to a device remote processing unit database having; enable remote processing unit of the device the user identification data, automatic verification; enable the remote processing unit automatically determines whether the user is a client means non; so that remote processing unit the database information is automatically transmitted to the device user interface; enables the user interface device a menu is automatically displayed; enables the user selecting one function; allowing a user interface automatically prompt the device data of the function the user input selection; allows the user to input the select the function associated data; and a user interface device selected by the function performed.
86.一种自动银行业务和信息系统,使银行客户和非客户在不需要与一个银行客户代表面对面地联系的情况下执行银行业务交易和获得银行业务产品和服务信息,所述系统包括:一个与远程处理单元相连的终端,用于用户输入、接收和显示数据;一个与终端相连的银行信用卡阅读设备,用于获得用户信息;一个与终端相连的签名输入设备,用于记录和核对用户的识别信息;与终端相连的至少一个打印设备,用于打印银行业务信息和交易信息和摘要;安装在终端内的至少一个下投盒,具有一个用于接收用户个人信息、存款和银行信件的插口;安装在终端内的至少一个支票存储单元,用于在分发之前保存支票;与一个支票打印设备相连的至少一个纸盒,用于为要打印的支票提供纸;安装在终端内并与终端相连的至少一个支票打印设备;与一个支票打印设 86. An automated banking and information systems, so that bank customers and non-customers to perform banking transactions and access to banking products and services without the need for face to face contact with a representative of the bank customer, the system comprising: terminal and a remote unit connected to the processing for a user input, and displaying the received data; terminal connected to a bank card reading device for obtaining user information; signature input terminal connected to a device for recording and checking the user identification information; and a terminal connected to the at least one printing device for printing banking and transaction information and the summary information; administered at least one terminal mounted in the cartridge, having a socket for receiving user personal information, bank deposits and letters ; at least one check storage unit mounted in the terminal for storing a check prior to distribution; check at least one tray with a printing apparatus connected, for providing a check for the paper to be printed; installed within the terminal and connected to the terminal at least one check printing apparatus; provided with a check printing 相连的至少一个支票分发设备,用于在用户对支票的请求之后弹出支票;安装在终端内的至少一个银行信用卡存储设备,用于保存空白的银行信用卡;一个安装在终端内并与终端相连的银行信用卡打印设备;与银行信用卡打印设备相连的至少一个分发设备,用于弹出银行信用卡;安装在终端内并与终端相连的CD ROM驱动器,用于从一个CD读取基于终端的信息产品和服务;一个与终端相连的调制解调器,用于访问因特网;以及一个与终端相连的双向视频会议单元,用于与银行客户服务代表进行通信。 At least one distribution device connected to the check, the check for ejecting the check after the user request; at least one bank credit card storage device mounted in the terminal, for storing a bank credit card blank; a terminal mounted in and connected to the terminal Bank credit card printing apparatus; at least one distribution device connected to the printing apparatus and the bank credit card, bank card for ejecting; installed within the terminal and the terminal connected to the CD ROM drive, for reading information on products and services from a terminal CD ; terminal connected to a modem for accessing the Internet; and a two-way videoconferencing unit connected to the terminal, and a bank customer service representative to communicate.
87.如权利要求86所述的系统,还包括:一个与终端相连的座位单元,允许至少一个用户坐下并查看终端;以及一个与终端相连的音频扬声器,使用户能听到与信息和交易功能相联系的声音。 87. The system as recited in claim 86, further comprising: a seat unit connected to a terminal that allows a user to sit down and view at least a terminal; and a terminal connected to an audio speaker allowing the user to hear the information and transactions function associated sound.
88.如权利要求86所述的系统,其中,银行信用卡还包括智能卡。 88. The system according to claim 86, wherein the smart card further comprises a bank credit card.
89.如权利要求86所述的系统,还包括:一个用于获得用户图象的数字照相机。 89. The system according to claim 86, further comprising: a user image for obtaining a digital camera.
90.如权利要求86所述的系统,还包括:一个用于获得用户图象的视频照相机。 90. The system of claim 86, further comprising: a user for obtaining the video camera image.
91.如权利要求85所述的系统,还包括:用于将用户图象发送给远程处理单元的装置。 91. The system of claim 85, further comprising: means for transmitting an image to the user device remote processing unit.
92.如权利要求86所述的系统,还包括:一个用于获得用户声音的麦克风。 92. The system of claim 86, further comprising: a microphone for obtaining a user's voice.
93.如权利要求85所述的系统,还包括:用于将用户声音发送给远程处理单元的装置。 93. The system of claim 85, further comprising: means for transmitting the user voice to the remote processing unit means.
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