MXPA00001518A - Personal banking machine - Google Patents

Abstract

A method and system (2) for performing banking transaction and obtaining information about banking products and services. The system (2) includes features for performing banking transactions. The transaction functions include services such as applying for and receiving checks (13), bankcards (14), opening accounts (15), applying for loans (20), and accessing the Internet (23). The system (2) also includes information functions which permit the user to gain information on savings accounts (19), loans (20), home banking (21) travel related services (22), and retrieve informationfrom the Internet. The system (2) also provides a demonstration (24) of the various bank products and services. The system (2) allows these functions to be performed by customers and non-customers in a 24-hour or extended operating hours environment without the need for interaction with or assistance from a customer service representative or local bank staff member.

Description

PERSONAL BANKING MACHINE FIELD OF THE INVENTION The present invention relates generally to banking methods and systems for clients and non-customers of the bank, to perform financial transactions and acquire information regarding banking products and services. The present invention allows a user to establish a new banking relationship. The invention includes features to perform and complete banking transactions such as obtaining checks, bank cards, and account information, as well as establishing new accounts. Other aspects of the invention allow users to acquire information regarding banking products and services, as well as information from the Internet, anywhere, at any time, without the help of a traditional banking customer service representative who is locally present. .

BACKGROUND OF THE INVENTION There is a growing consumer need for banks that provide a complete service 24 hours a day, 7 days a week at the branch level. Currently, self-service banking products and services offered at the local level are limited to simple functions such as withdrawals, deposits and the delivery of account statements. It has not been possible for bank customers to obtain increasingly complex information, and perform those associated transactions, which have become the substance of that information, without being directly assisted by a staff member of the local office during daytime hours of operation. Skillful normal. In order to satisfy this need, banks are looking to transform portions of the traditional branch to a "personal space", in which both the client and the client's representatives are better equipped to meet the increasingly complex financial needs of the clients. This transformation will result in the integration of information-based banking into a retail space, which is currently dedicated almost exclusively to transaction-based banking. The future bank will allow clients to be more in control of their financial well-being, a cornerstone of the goal of any financial institution to provide money management developed for all its clients. This objective is supported by the introduction of advanced technologies in the establishment of branches, such as access to the Internet, self-service account functions, home banking, global products and services. This technology allows customers and non-customers to access information and transactions that provide true market differentiation in retail banking. Finally, the activities that clients are beginning to perform at the local branch level are qualitatively different from those previously done. Despite the increasing popularity of remote access channels among customers, it is clear that branches around the world of financial institutions will continue to be a vital presence for customers and non-banking clients for the foreseeable future. In accordance with the above, there is a need to attract and interact with millions of customers around the world, while efficiently delivering superior products and services to customers and non-customers at the branch.

COMPENDIUM OF THE INVENTION Three primary needs of a bank are filled with the Personal Banking Machine (PBM); 1) to serve clients and non-customers in an environment of 24 hours or extended hours of operation, without the need for interaction or assistance with a customer service representative or a staff member of the local bank, including the registration of a no customer in a banking relationship; 2) provide customers and non-customers with a banking product and service information; and 3) provide customers with the ability to perform banking transactions.

The Personal Banking Machine also facilitates an increase in the volume of clients and potential customers. These will be attracted by this new and convenient means to access information and products. Since the staff of the local branch office will be primarily focused on assisting customers, it is a very important aspect of the Personal Banking Machine that self-service functionality is available for information and transactions that currently require a personal banker or a bank payer. It is an objective of the present invention to satisfy the needs of the bank's customers and non-customers, by allowing 24-hour access to both information and transactions at the local branch level. It is another object of the present invention to provide a non-customer user with the ability to establish a banking relationship through access to and operation of the Personal Banking Machine. It is an object of the present invention to provide the user with information on savings accounts, loans, and bank services at home, related travel services of a bank. It is also accessible the information based on the Internet . The present invention also provides a demonstration of the different products and services of the bank. It is an object of the invention to allow users who are customers of the bank to perform banking transactions such as obtaining checks, bank cards, opening and altering bank accounts. In addition, the invention allows the user to perform banking transactions based on the Internet. It is an object of the present invention to provide such information and allow such transactions to be made without requiring a customer service representative during peak or non-peak hours. In order to achieve the stated and other objectives of the present invention, as discussed and described below, the invention includes a method for a user to obtain financial information, and perform banking transactions, by allowing the user to access the Personal Banking Machine through of a user interface, which automatically tells the user to enter the user identification data. After the user enters that identification data, the interface transmits the data to a remote processing unit that has a database, where the data is verified, and it is automatically determined whether the user is an existing account holder or a non-customer The remote processing unit then transmits the information from the database to the user interface, after which the user visually displays and selects a menu of functions. The user interface then tells the user to enter the data for the selected function, which is then performed by the Personal Banking Machine. Additional objectives, advantages and novel features of the invention will be established, in part in the description that follows, and in part will be more apparent to those skilled in the art, after examination of the following, and after learning by the practice of the invention.

BRIEF DESCRIPTION OF THE DRAWINGS In the drawings: Figure 1 presents an overview of the workstation of the Personal Banking Machine for one embodiment of the invention. Figure 2 illustrates the Personal Banking Machine from a right-to-center point of view, for one embodiment of the invention. Figure 3 is a block diagram of the function groups of the tools for an embodiment of the invention. Figure 4 is a block diagram of the functions of the transaction tools for an embodiment of the invention. Figure 5 is a flowchart of the steps of the process for a user to access the Personal Banking Machine with a bank card, for an embodiment of the invention. Figure 6 is a flowchart of the steps of the process for a user to access the Personal Banking Machine through the touch screen, for one embodiment of the invention. Figure 7 is a flow chart of the steps of the process for a user to access the Personal Banking Machine with a bank card issued by another banking institution, for a modality of the invention. Figure 8 is a flowchart of the steps of the process for opening an account, for one embodiment of the invention. Figure 9 is a flowchart of the steps of the process for obtaining checks from the Personal Banking Machine, for one embodiment of the invention. Figure 10 is a flowchart of the steps of the process for obtaining a bank card from the Personal Banking Machine, for one embodiment of the invention. Figure 11 illustrates the portion of the touch screen of the user interface of the Personal Banking Machine, for one embodiment of the invention. Figure 12 presents a screen that tells the user to select a banking service of the Personal Banking Machine, for a modality of the invention. Figure 13 illustrates a screen with a graphic user keyboard, for a modality of the invention. Figure 14A presents a screen for opening an account, which includes a graphic numerical keypad of the user to enter the personal information of the user, for a modality of the invention. Figure 14B illustrates a screen for opening an account, for one embodiment of the invention. Figure 14C shows a screen that allows a user to select the type of account to be opened, for a modality of the invention. Figure 14D illustrates a screen where the image of a customer service representative appears, for one embodiment of the invention. Figure 14E represents a screen that allows the user to select an account from which to transfer money to the new account, for one embodiment of the invention. Figure 14F shows an account agreement and the signature of the user, for one embodiment of the invention. Figure 14G illustrates a screen showing the successful completion of an account opening, for one embodiment of the invention. Figure 15A shows a screen that presents the client with the option of selecting different types of checks, for one embodiment of the invention. Figure 15B illustrates an Initial check screen, for one embodiment of the invention. Figure 15C shows an initial check, and informs the user of the status of the request, for a modality of the invention. Figure 15D illustrates a check screen of Replacement, for one embodiment of the invention. Figure 15E shows a Spare check, and presents different options for proceeding with, or completing the Spare check function, for one embodiment of the invention. Figure 15F illustrates the screen that appears after the customer has selected to print the Spare checks, for a mode of the invention. Figure 15G illustrates a Cashier check screen for one embodiment of the invention. Figure 15H shows a Cashier check and presents different options for proceeding with, or completing the Cashier check function, for one embodiment of the invention. Figure 151 illustrates the screen that appears after the client has selected to print a check box, for a mode of the invention. Figure 16A presents a screen that appears after the selection of the customer to obtain a bank card, for a modality of the invention. Figure 16B presents the image of the customer's bank card, before they accept it. Figure 16C shows a graphic numeric keypad and sub-windows for entering information with the bank card function, for a modality of the invention. Figure 16D illustrates a screen that informs the client that at that moment a bank card is being generated inside the Personal Banking Machine, for a modality of the invention. Figure 16E presents a screen that informs the client that the bank card is ready to be managed from the Personal Banking Machine, for a modality of the invention. Figure 17 shows a screen of the Personal Banking Machine visually displaying an Internet Web site, for an embodiment of the invention. Figure 18 presents a screen of the Personal Banking Machine showing a video demonstration of banking products and services, for a modality of the invention.

DETAILED DESCRIPTION OF THE PREFERRED MODALITIES A Personal Banking Machine is a self-service method and device that provides clients and non-customers with relevant information and transaction devices such as bank cards, personal checks, and bank drafts. The Personal Banking Machine is also a sitting terminal, which is partially enclosed to ensure privacy, for up to two users who can sit side by side and easily see the screen. This is located within an accessible environment 24 hours a day, or in a limited access area of a branch office of the bank. The invention includes a method and system for a user to obtain financial information, and perform banking transactions by first accessing a user interface, which includes the use of a terminal and / or a bank card reading device. The present invention also provides a user with the ability to register as a banking client, establishing a banking relationship by the same. In accordance with the above, the user interface automatically tells the user to enter the user identification data. An element is provided for entering the user identification data, wherein that element includes a touch screen or a bank card reader. The data includes personal information of the user, including a personal identification number (PIN) of the user. The information encoded in the bank card of a user can be entered by means of the card reader. In accordance with the above, bank cards can be of different types, including credit cards, debit cards, smart cards, and so on. These data are automatically transmitted to a remote processing unit of the financial institution, which has a database that includes banking products, services and customer information. The remote processing unit automatically verifies user identification data, and determines whether the user is a customer or a non-customer. The remote processing unit then automatically transmits relevant information from the database of the financial institution to the user interface, which automatically displays a menu of functions visually. The user is then instructed to select a function. The user interface automatically tells the user to enter the data for the selected function, followed by the user's input data related to the selected function and the Personal Banking Machine that performs the selected function. Once the transmission is complete, the user leaves back to the main menu and selects another function of the transaction tools, function of the information tools, or leaves in addition to the Personal Banking Machine. The user interface tells the user to enter additional information. This additional information is related to the specific function selected. Under the function of the loan tools, for example, the user is asked to provide their preferences on the type of loan desired, for example, car or home ownership right, and the length of the repayment term. In another example, under the function of personal check tools, the user is instructed to select the aesthetic design of his personal check. The hardware of the Personal Banking Machine is designed and configured to allow the user to access a network of bank computers, systems, transactions and information tools. The Personal Banking Machine is an automated banking and information system for customers and non-customers of the bank to carry out banking transactions and acquire information about banking products and services, without the need to interact face-to-face with a bank's customer representative. This comprises a terminal coupled to a remote processing unit, where the user enters, receives and has data displayed visually. Also included is a bank card reader device, coupled to the terminal, to obtain information about the user. Even in today's technologically advanced world, personal signature is still considered as the primary evidence of a contract, for example, the beginning of a new banking relationship, as well as a means of personal identification. In accordance with the above, the Personal Banking Machine includes a signature entry device to the terminal, to record and verify the user's identification information. The Personal Banking Machine has many devices that provide the system with the ability to provide immediate service to the user. The system has at least one printing device, which is coupled to the terminal to print bank information and transaction information and summaries. In addition, at least one mailbox is housed inside the terminal, which has a receptacle opening to receive the user's personal information, deposits and correspondence from the bank. There is at least one check storage unit, housed inside the terminal, to hold checks before they are delivered. At least one paper cartridge is coupled to a check printing device, to supply paper for the checks to be printed, wherein at least one check printing device is housed in, and coupled to, the terminal. In addition, there is at least one check delivery device, coupled to a check printing device, to eject the checks after a user requests those checks. Additionally, the system uses a modem coupled to the terminal to access the Internet, together with a two-way video conferencing unit, coupled to the terminal to communicate with a customer service representative of the bank. The Personal Banking Machine unit is designed to be easily accessed, both physically, for example, to be able to enter and exit the seat easily, as functionally, for example, the use of the design of the menu screen. The physical modalities of the Personal Banking Machine comprise a seating unit connected to the terminal, which allows two individual users to sit side by side to see and interact with the user interface, including its terminal and its touch screen. In addition, audio speakers are attached to the terminal, so that the user can hear the sounds associated with information and transaction functions. At the same time, privacy is ensured both visually and audio, particularly for those sessions related to personal transactions. The Personal Banking Machine is also designed to be suitable for two units to be placed back to back and still ensure the privacy of simultaneous users. The invention of the Personal Banking Machine includes the method wherein a user interface is provided with the Personal Banking Machine, by means of either a card reader device or by means of the touch screen device. The first visible screen welcomes the user and explains and illustrates how the Personal Banking Machine is used.

The Personal Banking Machine determines the identity of the user based on the identification data of the user, whether read directly from a card reader device, or entered manually by means of a touch screen. If the user is an existing client of the banking institution, a remote processing unit verifies the identification data of the user. After verification, the main menu is displayed visually, at which time the client has access to both the functions of the information tools and the functions of the transaction tools. If the user is a non-customer, they only have access to the functions of the information tools, unless they initiate a new relationship with the financial institution. The information is presented using high quality graphics on a touch screen that allows users to navigate around the different functionalities, while at the same time, the user is provided with information that gives a complete overview of the specific products and services that are offered through the Personal Banking Machine, without the user leaving their present location. The invention is also a self-service transactional method and device. The design of the user interface is of "wrapping" appearance and visual display of touch screen. The Personal Banking Machine is located at, but not limited to, a local branch facility. The Personal Banking Machine identifies and verifies the user, if an existing customer, through a remote processing unit. The buttons on the touch screen are displayed visually. From the Main Menu, the client selects the functions of both information and transaction tools. If the user is a non-customer, then he has access only to the information functions, unless he establishes a financial relationship with the banking institution, at which time the transaction functions are also accessible. There are two categories of users of the Personal Banking Machine. These include the bank's existing customers (holders of bank cards, holders of savings accounts, etc.) and non-customers (potential customers). This segmentation defines both access to available technology and the type of information that will be accessed. Before obtaining information related to banking, or making a transaction, the user is instructed, through the user interface, to select one of the group of functions of transactions and information functions. Subsequently, the selected function is displayed visually in the user interface. In terms of transaction functions, the user also selects one from the group to request personal checks, cashier's checks, bank cards, open a new account, modify an account, access the Internet, and request a demonstration, either in video or graphic. these functions allow the user the unprecedented opportunity to enter into, and conclude banking-related transactions on their own, which currently can only be done with the assistance of a customer service representative. The Personal Banking Machine is a secure computer system that allows the user to provide, request a change and confirm their personal identification number, by entering it within the user interface, which automatically transmits the personal identification number to the remote processing unit, then automatically registers the personal identification number in the database. The remote processing unit also verifies existing personal identification numbers. When the user requests either a bank card or a bank account modification, the user interface automatically tells the user to enter the user's signature on a signature recording device. If the user is a non-customer, the remote processing unit automatically updates the identification data of the database. If the user is a customer of the existing bank, the remote processing unit verifies the user's signature. The Personal Banking Machine includes the ability to allow the user to request and receive assistance from a bank's service representative. This feature ensures that the user is able to access and perform any of the functions provided by the Personal Banking Machine system, if the user finds a problem, simply wishes clarification about the operation of the Personal Banking Machine, or requires additional information regarding banking products or services. The user and the service representative of the bank are connected by two-way video teleconferencing and / or a telephone. After making the desired transaction, the Personal Banking Machine is capable of generating an exit. This output includes at least one of the group of personal checks, replacement checks, cashier's checks, bank cards, activity summaries, reports, and information obtained from the Internet. The method and system also comprises the steps of the user interface telling the user to select one of a group of transaction functions, such as requesting personal checks, replacement checks, cashier's checks, bank cards, opening a new account , modify an account, access the Internet, and request a demonstration. Then the user selects a function, after which the user interface visually displays the selected function. In one embodiment of the present invention, after the Main Menu is visually displayed, the client is instructed to select the type of check, whether personal, spare, or cash, that he wishes to receive. The client has the option that the check (s) will generate the Personal Banking Machine and be delivered at the time of the transaction, or that the check (s) be sent (n) ) by mail to a specific address. In another embodiment of the present invention, the transaction tools function method includes the step of selecting a function to obtain personal checks. The user interface automatically displays the user's current address visually. The user interface automatically tells the user to confirm or correct the user's current address. The corrected address is transmitted from the user interface to the remote processing unit that automatically verifies the corrected address. If the current address has been corrected, the remote processing unit automatically updates the information in the database. The information in the database is automatically transmitted to the user interface.

Subsequent to these verification and update steps, the user interface automatically tells the user to see if he or she wants additional personal checks. If the user requests additional checks, the user interface automatically transmits the request for additional checks to the remote processing unit, which confirms the request and transmits a confirmation to the user interface. Additional personal checks are mailed to the user at their home address, if they choose, or printed within the Personal Banking Machine and delivered directly to the user. The Personal Banking Machine visually displays the current address of the clients, asks for a verification, and the number of the first check that must be printed. After verification of the information, the checks start to be printed, and the client picks them up from the dispatcher. Once the transaction is completed, the user goes back to the main menu and selects another transaction tool function, information tool function, or also leaves the Personal Banking Machine. Another mode of the transaction tools function method includes the step of selecting the function to obtain replacement checks. The user interface automatically tells the user to request replacement checks. After receiving the request for checks, the user interface automatically transmits the request for the checks to the remote processing unit. The remote processing unit confirms the request for the checks, and transmits a confirmation to the user interface, which automatically displays the user's current address visually. Then the user is automatically instructed to confirm or correct their current address. If the address is incorrect, the user enters a corrected current address. The user interface automatically transmits the current address to the remote processing unit, which automatically verifies the current address. If the current address has been corrected, the remote processing unit automatically updates the information in the database, and then the remote processing unit automatically transmits the user information from the database to the user interface. Additionally, the user is automatically instructed to select a replacement check style. The user sees the check style displayed visually, and subsequently confirms his selection, or changes the previously selected style. In addition, the user confirms the check information, however, if the check information is incorrect, then the user enters the corrected check information. The user is allowed to enter the first check number to be printed. The user interface automatically tells the user to select so that checks are sent to the user by mail, or checks are printed and delivered directly to the user. Another mode of the transaction tool function method includes the step of selecting the function to obtain a cashier's check. The user interface automatically tells the user to enter the beneficiary identification information and a check amount. The image of the check is displayed visually, and the user interface automatically tells the user to confirm the information displayed visually on the check. Once the user confirms that the check information is correct, it is automatically transmitted to the remote processing unit and verified. If the information has been corrected, the remote processing unit automatically updates the database check information, and then transmits the check information from the database back to the user interface. The Personal Banking Machine automatically prints the check and then delivers it directly to the user, along with an envelope and a receipt. Another mode of the transaction tool function method includes the step of selecting the function to obtain a bank card. The user interface automatically tells the user to enter their signature on a signature recording device. After this, an image of the bank card is displayed visually, including the user identification data. The user is then instructed to confirm the visually displayed data on the bank card. If any of the data in the bank card is incorrect, the user enters the corrected user identification data. The corrected bank card data is automatically transmitted to the remote processing unit, which is subsequently verified, and used to update the database. Then the bank card data is transferred back to the user interface. The Personal Banking Machine automatically prints the bank card and then delivers it directly to the user. Additionally, the user interface tells the user to enter additional or updated information, after whose introduction, the Personal Banking Machine automatically stores the information in the bank card, before the delivery of the bank card. After the Main Menu is displayed visually, the user is instructed to select the account tool feature that allows the user to open a new account or modify an existing account. This transaction tool feature allows a non-customer to establish a new banking relationship with the banking institution. Another mode of the transaction tool function method includes the step of selecting the function to open a new account. The user interface automatically tells the user to enter their signature on a signature recording device. The user interface visually displays the user identification data, and asks the user to confirm the data. The corrected user identification data is automatically transmitted to the remote processing unit, which automatically updates the identification data of the database. This embodiment includes a verification step that takes place after the information is transmitted to the remote processing unit. This verification also includes the step of accessing databases of non-bank remote processing units, such as databases of credit reporting agencies. The user interface automatically tells the user to select a means of funds for the new account. The user then specifies a means of funds such as: 1) an existing account, which also includes the steps of the user entering the user identification data, such as account information and a personal identification number, 2) a bank card, which also includes the step that the user enters the data of the bank card in the user interface, including a bank card issued by another financial institution, 3) cash, including the introduction of this within the user interface , and 4) a check. The selected media and the amount of the background are entered into the user interface. The user selects and confirms the selected source and amount of the fund. The user selects and confirms the selected source and quantity of the fund. The information about the selected source and quantity is automatically transmitted to the remote processing unit, which verifies, automatically, the selected medium not in cash and the quantity, and automatically records the selected source and quantity. Once verified, the selected amount is credited to the new user account. In an additional mode, the user is automatically instructed to choose to have his image obtained by means of a camera, and if the user chooses to have an image obtained, the image is automatically displayed visually to the user, where subsequently the user is indicated automatically accept or regain the user's image. The image obtained is automatically transmitted to the remote processing unit. The image is then automatically printed on a bank card that will subsequently be delivered to the user. The user is also automatically instructed to provide additional personal information by means of the user's voice, which is obtained electronically, and is automatically transmitted to the remote processing unit. One mode of the transaction tool function method includes the step of selecting the function to modify an existing account. The user interface automatically tells the user to request a change to their user identification data by entering those changes into the user interface, which automatically displays the user's new identification data. After the user confirms the changes, the user interface automatically transmits the new user identification data to the remote processing unit; which verifies the identification data and updates the database. That updated information will be exchanged between a first account and a second account. The first account is ordinarily an existing customer account, and the second account can be either another customer's existing account or a non-customer account. That non-customer account can be an account established and maintained by another financial institution, such as a bank, an investment management company, and so on. One mode of the transaction tool function method includes the step of selecting the function to access the Internet. The user interface automatically tells the user to select the information of Internet-based transactions. The user interface automatically transmits the request for information from Internet-based transactions to a remote processing unit, which automatically accesses the information requested from Internet-based transactions. The remote processing unit then automatically transmits the requested information of Internet-based transactions to the user interface, for visual display, and then the user performs a transaction based on the Internet. The types of transactions based on the Internet include those that would involve the payment, use, receipt, transfer or administration of money or other financial instruments. One modality of the Personal Banking Machine, associated with the transaction tool function, includes the use of a camera, either digital or video, which obtains the user's image. The Personal Banking Machine also includes an element to transmit the image of a user to the remote processing unit. One modality of the Personal Banking Machine, associated with the transaction tool function, includes the use of a microphone to obtain the user's voice. The Personal Banking Machine also includes an element to transmit the voice of a user to the remote processing unit. The Personal Banking Machine allows the user a wide range of information related to banking from the banking databases and the Internet. The method and system of the Personal Banking Machine also includes the steps and the ability for the user to select from a group of information tool functions, after which the user interface visually displays the selected function. After the selection of an information tool function, the user is presented with an option to request assistance from a bank service representative, to resolve any problems, or to clarify any information that has been presented. Because one of the main functions of the information tool function is to increase the understanding of non-customers with respect to the different products and services of the bank, it is useful to provide the non-client with the opportunity to start a new relationship with the bank. . In accordance with the above, the user interface automatically tells the user to initiate a new relationship with the bank. This new relationship ordinarily includes the opening of an account with the bank. Once the user has become a customer, they can begin to access the full range of banking products and services. One modality of the information tool function includes the step of selecting information on bank savings accounts. The user interface automatically tells the user to select the savings information, and automatically transmits a request for savings information to a remote processing unit, which then automatically transmits the savings information to the user interface. Subsequently the user interface asks to request to receive printed savings information, which is printed and delivered directly to the user. In another embodiment of the present invention, the information tool function includes the step of selecting information on bank savings loan services. The user interface automatically tells the user to select the loan information, and automatically transmits a request for information about loan services to a remote processing unit, which then automatically transmits the requested loan information to the customer interface. user. The Personal Banking Machine allows the user to obtain information on printed loan services. When the user requests information about printed loan services, the Personal Banking Machine prints this and delivers it directly to the user interface. One modality of the information tools function method includes the step of selecting information on banking products and services in the home. The user interface automatically tells the user to select information about banking products and services in the home. Once selected, the user interface automatically transmits the request for information about banking products and services in the home to a remote processing unit, which automatically transmits information about banking products and services in the home to the user interface. The user has the opportunity to receive information about banking products and services in the printed home. The Personal Banking Machine prints information on banking products and services at home and delivers it directly to the user. One modality of the information tools function method includes the step of selecting information about travel service accounts. The user interface automatically tells the user to select the information about travel services. When requested, the user interface automatically transmits the request to a remote processing unit, which automatically transmits the information about requested travel services to the user interface. The user interface automatically tells the user to request information about printed travel services. The Personal Banking Machine prints the information on requested travel services and delivers it directly to the user. In another embodiment of the present invention, the information tool function method of the Personal Banking Machine provides the user with the ability to access information based on the Internet. The user interface automatically tells the user to receive the information based on the Internet. If requested, a request is automatically transmitted to a remote processing unit, which then automatically accesses the information based on the requested Internet. Information based on the Internet is transmitted to the user interface, which visually displays the information. The Personal Banking Machine allows the user the option of directly receiving information based on the printed Internet. One modality of the information tools function method includes the step of selecting a video or graphic demonstration of the bank's products and services. In the case where the user wants a video demonstration, the user selects a function where the user interface automatically tells the user to request that demonstration, which is then automatically displayed visually. The user interface automatically transmits a request for a video demonstration to a remote processing unit, which, in turn, transmits the video demonstration to the user interface. When the user selects a graphic demonstration, the user interface automatically displays a graphic demonstration. The user interface automatically transmits a request for a graphical demonstration to a remote processing unit, which automatically transmits the graphic demonstration to the user interface. The Personal Banking Machine allows the user to receive selected frames of the graphic demonstration, which is then printed and delivered directly to the user. In addition, a CD ROM drive is housed in, and coupled to, the terminal to allow the reading of product data and information services based on the terminal locally. The system and method of the Personal Banking Machine will now be referred to in detail by means of the flowcharts and the sample screens of the user interface. Figure 1 illustrates the overall configuration of the Personal Banking Machine system. As shown in Figure 1, the PBM station 1 for one embodiment of the present invention includes a delivery slot 2 for checks, money orders, receipts and impressions. The Personal Banking Machine has a camera / speaker compartment 3. The bank card delivery slot 4 is for use to deliver cards generated and issued by the Personal Banking Machine. The mailbox depositor 5 allows the user to make deposits directly to the Personal Banking Machine. The fountain pen for signature 6 and the bearing for digital signatures 7 allow the Personal Banking Machine to obtain the signature of a user. In the Personal Banking Machine, a card reader slot 8 is included to read the coded information of the user's bank card. The Personal Banking Machine has a touch screen 9 of the user interface based on windows, which allows the user to perform transaction functions, and obtain information on banking and related products. Figure 2 presents an overall perspective view of the PBM station 1, which illustrates its size in relation to two chairs for sitting for users. Figures 3-4 contain block diagrams of the functions of the Personal Banking Machine. Figure 3 illustrates a block diagram of the two groups of tool functions performed by the Personal Banking Machine. From the main menu 10, the user chooses either a transaction tool function 11 or an information tool function 12. The transactions tool includes functions for checking transactions 13, bank cards 14, accounts 15, Internet 16, demonstration 30 and of loans. The functions of information tools include information on savings 19, loans 20, home bank 21, travel 22, Internet 23 and demonstrations 24. Figure 4 illustrates the functions of transaction tools 11, where the function of checks 13 also it includes functions for obtaining personal checks 25, spare 26 and cash 27. Account function 15 includes functions that allow a new account to be opened 28 and that the information of an account be modified. The demonstration function 30 allows the user to obtain a demonstration on video 30 or graphic 31 of the banking products and services. Figures 5-10 contain flow charts of the methods for performing system transactions. Figure 5 illustrates a flow diagram of the process steps for the user who has an existing account with the bank that chooses to access the Personal Banking Machine with a bank card. An initial screen 32 welcomes the user to the bank and the Personal Banking Machine. The user is instructed 33 to insert their card in a card reader. Automatically, information is obtained from the customer database 34 about the user. The user is then instructed to select a service 35, which includes different transaction and information functions, such as opening an account 28, obtaining checks 13, obtaining a bank card 14. The user modifies the account information, such as changing its register address 29b. Applications for loan 18 and credit card 18 can be selected and filled in. Access to Internet 16 can be selected for information on bank products, along with a video or graphic demonstration 30 of the bank's products and services. Figure 6 illustrates the steps of the flowchart process for a user who has an existing account with the bank, and who chooses to access the Personal Banking Machine by means of the touch screen 9. From the welcome screen 32, the user touches screen 36 to initiate access to the Personal Banking Machine. The user is instructed to enter the information 37, such as first and last name. This information is transmitted and verified against the customer database 34. The Personal Banking Machine then automatically determines whether the user is an existing customer 38 of the bank. If the user is not a customer, then they are instructed to select a service 35. The service includes a demonstration 30, opening an account 28, or accessing the Internet 16 for information regarding the bank's products or services. If the user is an existing customer, they are instructed to select a service 35, which is available to customers who have existing bank accounts. In this way, the client performs different banking transactions, and obtains information regarding the bank's products and services. Figure 7 illustrates a flowchart of the process steps for a user who may or may not have an existing account with the bank, but who chooses to access the Personal Banking Machine with a bank card issued by another banking institution. After the initial presentation of the welcome screen 32, the user inserts his / her bank card 39 into a bank card reader. The Personal Banking Machine automatically checks the customer database 34, to determine whether the information read from the user's bank card is that of an existing customer. If the user is not an existing customer, the Personal Banking Machine automatically instructs you to enter information 37 via the touch screen. The non-client is then instructed to select a service 35, which includes a demonstration 30, open an account 28, or access the Internet 16 for information regarding the bank's products or services. After the non-customer has accessed a particular service, you can choose another service 40 during the session of the Personal Banking Machine. If the user is an existing customer, then they are instructed to select a service 35, which is available to customers who have existing bank accounts. In this way, the Personal Banking Machine allows both existing and non-customers to access the functions of the Personal Banking Machine. Figure 8 illustrates a flow chart of the process for opening an account. An existing banking client starts the process 41 by selecting the function of opening account 28. The user is then instructed to enter his PIN 42. A non-customer initiates the process by 41 prompting him to enter personal information 43, such as Information about address, phone number, social security number, and driver's license. The Personal Banking Machine automatically verifies the customer's PIN or the information entered. This information is verified by accessing a customer database 34 and / or other customer / non-customer background databases 45. Those other databases 45 may include, but are not limited to, credit report files and public records. If the PIN / data 46 is not valid, the client is notified of receipt of the Personal Banking Machine for incomplete information, or a negative verification result 47. Under these circumstances, the client would be instructed to select a new service 40. If the PIN / data is valid, the customer is instructed to select an account type 48. The user is then instructed to select a deposit method 49. The customer can also call a customer service representative for assistance 50. The selected deposit method includes using a bank card 51, the electronic transfer of funds from another account 52 and deposit a check 53. The credit / deposit information of the customer is verified 54, by means of electronically accessing a database, or data center or data storage facility 55. If the deposit is successful 56, the user is instructed to sign the terms of the bank agreement of account 58 with the fountain pen 6 and the signature bearing 7. Then the client selects a new service 40. If the deposit was not successful, it is notifies the customer of the reason why deposit 57 was not accepted. Figure 9 illustrates a flow chart of the process for obtaining checks from the Personal Banking Machine. An existing banking client starts the process by selecting check function 13. The Personal Banking Machine automatically determines whether or not the customer has already entered his PIN 59. If the client has not done so, then he is instructed to enter your PIN, verifying it automatically 60 by means of accessing the client information stored in a customer database 34. If the PIN is not valid, the customer can select a new service 40. When the Personal Banking Machine has received a valid PIN, then the client is instructed to select the type of check 62 that he wishes to be delivered. The types of checks include initial 25, spare 26 and cash 27. After the check is selected, the customer is instructed to select a new service 40. Figure 10 illustrates a process flow diagram for obtaining a card banking of the Personal Banking Machine. An existing banking client starts the process 41 by selecting the bank card function 14. The Personal Banking Machine automatically determines whether or not the customer has already entered his PIN 59. If the client has not done so, then he is instructed to do so. enter your PIN, verifying it automatically 60 by means of accessing the information of a customer stored in a customer database 34. If the PIN is not valid, the customer can select a new service 40. When the Personal Banking Machine has received a Valid PIN, this automatically determines whether or not the client's signature has been obtained 63. If a signature has been previously obtained, the bank card is printed with the client's signature 66, and then the client is instructed to select a new service 40. If a signature has not yet been obtained, the client is asked to sign 64 using the fountain pen 6 and the signature bearing 7. Once the signature has been obtained The client is instructed to accept the signature 64 as written. If the client does not accept the signature, they are asked to sign once more. When the client accepts the signature, the bank card is printed with the signature of the client 65, and then the client is instructed to select a new service 40. Figures 11-18 contain examples of screens of the Personal Banking Machine based on windows , of the Personal Banking Machine for the present invention. Figure 11 illustrates the touch screen portion 100 of the Personal Banking Machine of the user interface. This screen welcomes the user to the Personal Banking Machine. The screen contains many tool functions buttons, including "Open Account" 101, "Get Check" 102, "Get Citicard" 103, "Change Address" 104, "About Citibank" 105, "About Banking PC" 106 and "Exit" 107. Screen 100 tells the user to insert their bank card, for example, ATM card, credit card, etc. The screen 100 also includes an "active point" 108 which is a portion of the touch screen 100 that allows the user to access the services of the Personal Banking Machine without the use of a bank card. Figure 12 illustrates a screen 110 that instructs the user to select a service from the Personal Banking Machine. Figure 13 illustrates a screen 120, where the user is presented with a graphic keyboard that allows the user to enter their name within many sub-windows 122 that appear on the screen. Figures 14A-14G illustrate the screens of the Personal Banking Machine 130-190, associated with the opening of a bank account. Figure 14A includes a keyboard that allows the user to open a bank account by entering personal information within many sub-windows 131 of the touch screen 130. This personal information such as name, address, office telephone, license management, etc., allow the banking institution to establish customer information that will be stored in the customer database. The screen also includes textual narration that provides guidance to the user to help him enter information, and make decisions regarding the selection and use of Personal Banking Machine functions. Figure 14B also relates to the opening of a bank account. The user is asked to verify the information requested. Once the user verifies the information entered, the screen of the Personal Banking Machine tells the user to continue on the next screen by pressing the "Next" button 141. Figure 14C illustrates a screen 150 that allows the user Select the type of account you would like to open.

The screen includes a sub-window illustrating the available Account Types, including Checks 152, Savings 153, and Account CD 154. The screen also tells the user to deposit money in the new account by means of the "Yes" buttons 155 and "No" 156. The screen also includes a "Call Customer Service" button 157 that allows the user to request and contact a customer service representative, for assistance or information regarding products and services. from the bank. Figure 14D illustrates a screen 160 in which a customer service representative has been requested and contacted. The representative appears in a video sub-window 161. When the user terminates his request for assistance from the representative, the user simply presses the "Hang up" button on the touch screen 162. Figure 14E illustrates a screen 170 that appears after the user selects to deposit money in a new account. The screen includes a 121 keyboard and sub-windows for the user to enter the source of the money, and relevant information about the account. In this particular screen, the sub-windows "Transfer Money From" 171 and "Bank Account Information" 172 appear, based on the user's selection of a "bank account" on the screen. If the user has selected a bank card or a credit card as the transfer source, a related sub-window would appear, as opposed to the "Banking Account Info" sub-window 172. The screen also includes a "Call" button to Customer Services "to request assistance from a customer representative. Figure 14F illustrates the signature obtained from the user.

Screen 180 shows the agreement of the client's account, while the user is instructed to provide their signature to indicate acceptance of the terms of the agreement. The user provides his signature by means of the fountain pen 6 for signing and the signature bearing 7, as provided in Figure 1. The signature of the user 181 appears on the screen. The user is also instructed to re-sign or accept the written signature, using the buttons "Sign Again" 182 and "Accept Signature" 183. Figure 14G illustrates the successful completion of the user's account opening. The user is instructed to receive a record of the account opening transaction, obtain a bank card, or obtain checks. The user accepts or rejects these options by pressing the "Yes" buttons 191 or "No" 192 that are provided on the screen. When the user has finished opening the account, select the "Done" button 193 to continue selecting additional services from the Personal Banking Machine. Figures 15A-15I illustrate screens 200-280 for the selection of check functions of the Personal Banking Machine. Figure 15A illustrates a screen 200 that allows the user to select "Initial Checks" 201, "Spare Checks" 202, and "Checks of Box" 203. The client is instructed to select the type of checks desired. Textual narration is provided to help the client complete their check transactions. Figure 15B shows an Initial Check 211. The screen 210 also includes the buttons "Print" 212 and "Done" 213, which allow the user to print the initial checks requested and complete this check transaction. Figure 15C shows an Initial Check 211, while textual narration is presented informing the user of the status of his request. The user is also instructed to press the "Done" button 221 after receiving the checks. Figure 15D presents a Replacement Check 231. The display 230 includes a sub-window 232 which allows the customer to select the number of the first check of the replacement checks. The number of the first desired check is entered through the graphic keyboard of user 121, which is also shown on the screen. Figure 15E shows a Replacement Check 231, while the user is instructed to modify the information entered, print the check or complete the transaction. The buttons "Edit" 241, "Print" 242 and "Fact" 243 are included to allow the customer to respond to the instructions of the Personal Banking Machine. Figure 15F shows a screen that appears after the customer has selected to print Spare Checks 231. The user is also instructed to press the "Done" button 251 after he has received the checks. Figure 15G presents a Check Box 261. The display 260 includes a user graphical keypad 121 for entering relevant information about the check, such as quantity, beneficiary, etc., into the sub-windows 262. Figure 15H shows a Check Box 261, while the user is instructed to modify the information entered, print the check or complete the transaction. The buttons "Edit" 241, "Print" 242 and "Fact" 243 are included to allow the customer to respond to the instructions of the Personal Banking Machine. Figure 151 shows a screen that appears after the customer has selected to print Cashiers Checks 261. The user is also instructed to press the "Done" button 281 after he has received the checks. Figures 16A-16E illustrate the screens of the Personal Banking Machine 290-330 for the selection of bank card functions of the Banking Machine Staff, for example, Citicard. Figure 16A illustrates a screen 290 that appears after the customer selects to obtain a bank card. The customer is instructed to "Touch Here" 291, in order to proceed with the printing and delivery of the bank card of the Personal Banking Machine generated. Figure 16B presents the image of the client bank card 301, before it accepts it. The signature of the client is also visually displayed on the bank card. The client is then instructed to accept the signature by pressing a "Touch Here" button 302, or to re-sign by selecting a "Try Again" button 303. Figure 16C shows a graphic keyboard 311 that has a sub-window 312 to visually display the data entered from the client and / or the confirmation of that data. The screen also visually displays textual guidance guide to help the client to enter and select a PIN. Figure 16D illustrates a screen 320 that informs the customer that the Personal Banking Machine is printing his bank card. Figure 16E illustrates a screen 330 that informs the customer that his bank card has been delivered in the bank card slot 4 of Figure 1. After the customer takes out the bank card from the Personal Banking Machine, press the " Touch Here "331 visually displayed to continue with another tool function of the Personal Banking Machine. Figure 17 shows a screen 340 of the Personal Banking Machine that visually displays an Internet Web site. The screen presents information about the bank of the Personal Banking Machine. As illustrated in this Figure, the customer has selected the Internet tool function 16 of Figure 3, by clicking on the "About Bank" button 105. The ability of the Personal Banking Machine to access the Internet allows the user of the Personal Banking Machine obtain large amounts of information regarding, not only the bank's products and services, but also regarding the bank as an institution, as well as other banking websites related to the Internet. Figure 18 presents a screen 350 of the Machine Personal Banking that visually displays a video demonstration 30. The screen presents 351 video information about the bank's products and services. A "Next" button 352 is included to allow the user to continue obtaining additional information. Now the embodiments of the present invention have been described in fulfillment of the above objects. It will be noted that these examples are merely illustrative of the invention, and will be apparent to those of ordinary skill in the art, who examine and practice the present invention.

Claims (93)

1. A method for a user to obtain financial information, and perform banking transactions, comprising: accessing a user interface; register the user as a customer of the bank; the user interface automatically indicates the user to enter the user identification data; the user interface accepts the user identification data; the interface automatically transmits the user identification data to a remote processing unit that has a database; the remote processing unit automatically determines if the user is a non-customer; the remote processing unit automatically transmits the information from the database to the user interface; the user interface automatically displays a menu of functions; the user interface automatically tells the user to select a function; the user interface accepts user information regarding the selected function; and the user interface performs the selected function.

2. The method, according to claim 1, wherein the user is a non-customer.

3. The method, in accordance with the claim 1, characterized in that it also comprises: that the user interface instructs the user to enter additional information; and that the user interface accepts the additional information.

The method, according to claim 3, characterized in that it also comprises: verifying the identification data of the user, by means of accessing at least one database of the remote processing unit not of the bank.

The method, according to claim 1, wherein the selection of the user also comprises: that the user interface instructs the user to select one of the group of a transaction function and an information function; the user interface accepts the selected function; and the user interface visually displays the selected function.

The method, according to claim 5, wherein if a transaction function is selected, the user also selects one from the group to request personal checks, replacement checks, cashier's checks, bank cards, open an account, modify an account, access the Internet, and request a demonstration.

7. The method, in accordance with the claim 5, where if an information function is selected, the user also selects one from the group of functions of savings, loans, home bank, travel, Internet and demonstration.

8. The method, in accordance with the claim 6, characterized in that it also comprises: that the user interface automatically instructs the user to enter his signature in a signature registration device; the signature registration device accepts the signature entered from the user; the user interface visually displays the user identification data; the user interface accepts the user's confirmation of the visually displayed data; if the data is incorrect, the user interface accepts corrected user identification data, entered from the user; and the remote processing unit automatically updates the identification data of the database.

The method, according to claim 1, characterized in that it also comprises: that the user interface automatically instructs the user to select a source of funds that will be deposited in a user's account; the user interface accepts the user's selected source of funds; the user interface accepts the selected amount of the user to be invested; that the user interface automatically tells the user to confirm the selected source and quantity; the user interface accepts the user's confirmation of the selected source and quantity; the user interface automatically transmits the selected source and quantity to the remote processing unit; the remote processing unit automatically verifies the selected source and quantity; the remote processing unit automatically records the selected source and quantity; and credit the requested amount to a user's account.

The method, according to claim 9, wherein the source of funds comprises: at least one of the group of a non-customer bank account, existing countdown, bank card, cash, or check.

11. The method, in accordance with the claim 1, where the user is automatically indicated that he chooses to have his photograph obtained by means of a camera; if you choose it, the image is automatically displayed visually to the user; then the user is automatically instructed to accept or regain the user's image; and if it accepts it, the image is automatically transmitted to the remote processing unit.

The method, according to claim 11, wherein said selected image is automatically printed on a bank card that is subsequently delivered to the user.

The method, according to claim 1, wherein the user is automatically instructed to provide additional personal information by means of the user's voice.

The method, according to claim 13, wherein in addition the voice of the user is obtained electronically, and is automatically transmitted to the remote processing unit.

15. A method for a user to obtain financial information, and perform banking transactions, comprising: accessing a user interface; the user interface automatically indicates the user to enter the user identification data; the user interface accepts the user identification data; the interface automatically transmits the user identification data to a remote processing unit that has a database; the remote processing unit automatically verifies the user identification data; the remote processing unit automatically determines whether the user is a customer or a non-customer; the remote processing unit automatically transmits the information from the database to the user interface; the user interface automatically displays a menu of functions; the user interface automatically tells the user to select a function; the user interface accepts user information regarding the selected function; and the user interface performs the selected function.

The method, according to claim 15, wherein the access step includes the use of a terminal.

The method, according to claim 15, wherein the user interface comprises a bank card reader device.

18. The method, according to claim 15, wherein the user identification data comprises the user's personal information.

19. The method, in accordance with the claim 18, wherein the user identification number data comprises a personal identification number.

The method, according to claim 15, wherein the database comprises information about products, banking and user services.

The method, according to claim 15, characterized in that it further comprises: that the user interface instructs the user to enter additional information; and that the user interface accepts the additional information.

The method, according to claim 15, wherein the selection of the user also comprises: that the user interface instructs the user to select one of the group of a transaction function and an information function; the user interface accepts a selected function; and the user interface visually displays the selected function.

23. The method, in accordance with the claim 22, where, if a transaction function is selected, the user who is a customer also selects one from the group to request personal checks, replacement checks, cashier's checks, bank cards, open an account, modify an account, access the Internet, and request a demonstration.

24. The method, in accordance with the claim 23, where the step of selecting the function to obtain personal checks comprises: that the user interface automatically instructs the user to request personal checks; the user interface automatically transmits the request for personal checks to the remote processing unit; the remote processing unit confirms the request for personal checks, and transmits a confirmation to the user interface; the user interface automatically displays the user's current address visually; the user interface automatically tells the user to confirm or correct the user's current address; if the address is incorrect, the user interface accepts the current corrected address of the user; if the address has been corrected, the user interface automatically transmits the corrected current address to the remote processing unit; the user interface automatically transmits the current address to the remote processing unit; the remote processing unit automatically verifies the current address; if the current address has been corrected, the remote processing unit automatically updates the information in the database; the remote processing unit automatically transmits the information from the database to the user interface; the user interface automatically tells the user to select whether checks are mailed to the user, or checks are printed and delivered directly to the user; and if the checks delivered are selected, print and deliver the checks.

The method, according to claim 23, wherein the step of selecting the function for obtaining replacement checks comprises: that the user interface automatically instructs the user to request replacement checks; the user interface automatically transmits the request for the checks to the remote processing unit; the remote processing unit confirms the request for the checks, and transmits a confirmation to the user interface; the user interface automatically displays the user's current address visually; the user interface automatically tells the user to confirm or correct the user's current address; if the address is incorrect, the user interface accepts the current corrected address of the user; if the address has been corrected, the user interface automatically transmits the corrected address to the remote processing unit; the user interface automatically transmits the current address to the remote processing unit; the remote processing unit automatically verifies the current address; if the current address has been corrected, the remote processing unit automatically updates the information in the database; the remote processing unit automatically transmits the user information from the database to the user interface; the user interface automatically tells the user to select a spare check style; the user interface accepts confirmation of the selected check style; an image of the check is displayed visually; the user interface automatically tells the user to confirm the information displayed visually on the check; if the information on the check is incorrect, the user interface accepts the corrected information from the user's check; if the selected check style is incorrect, the user interface accepts the user's corrected check style; the user interface automatically tells the user to enter the number of the first check to be printed; the user interface automatically tells the user to select whether checks are mailed to the user, or checks are printed and delivered directly to the user; and if the checks delivered are selected, print and deliver the checks.

The method, according to claim 23, wherein the step of selecting the function to obtain a cashier's check also comprises: that the user interface automatically instructs the user to enter the beneficiary identification information and an amount of the check; visually display an image of the check; that the user interface automatically instructs the user to confirm the information displayed visually on the check; if the information on the check is incorrect, the user interface accepts the corrected information from the user's check; the user interface automatically transmits the check information to the remote processing unit; the remote processing unit automatically checks the information in the check; the remote processing unit automatically verifies the check information; the remote processing unit automatically updates the check information in the database; the remote processing unit automatically transmits the check information from the database to the user interface; print the check, an envelope and a receipt; and deliver the check, envelope and receipt.

27. The method, according to claim 23, wherein the step of selecting the function for obtaining a bank card also comprises: that the user interface automatically instructs the user to enter the signature of the user in a signature registration device; the signature registration device accepts the signature of the user; the user interface visually displays an image of the bank card, including the user identification data; the user interface automatically tells the user to confirm the data displayed visually on the bank card; if the bank card data is incorrect, the interface accepts the user's corrected user identification data; the user interface automatically transmits the data from the bank card to the remote processing unit; the remote processing unit automatically verifies the data of the bank card; the remote processing unit automatically updates the data in the bank card of the database; the remote processing unit automatically transmits the data from the bank card of the database to the user interface; print the bank card; and deliver the card.

28. The method, in accordance with the claim 27, characterized in that it also comprises: that the user interface instructs the user to enter additional or updated information; the user interface accepts the information entered; and automatically store the information on the bank card, before handing over the bank card.

The method, according to claim 23, characterized in that it also comprises: that the user interface automatically instructs the user to request to change the personal identification number; if a change is requested, the user interface accepts the user's new personal identification number; the user interface automatically tells the user to confirm the new personal identification number; if the user is a non-customer, instruct the user to select a personal identification number; the user interface accepts the user's personal identification number entered; the user interface accepts the confirmation of the selected personal identification number after it is re-entered; the user interface automatically transmits the personal identification number to the remote processing unit; the remote processing unit automatically registers the personal identification number in the database; and the remote processing unit automatically verifies the personal identification number.

30. The method, according to claim 23, wherein the demonstration comprises a video presentation.

31. The method, according to claim 23, wherein the demonstration comprises a graphic demonstration.

The method, according to claim 23, wherein the step of selecting the function to open a new account also comprises: that the user interface automatically instructs the user to enter his signature in a signature registration device; the signature registration device accepts the signature entered from the user; the user interface visually displays the user identification data; the user interface automatically tells the user to confirm the displayed data visually; the user interface accepts the user's confirmation of the visually displayed data; if the data is incorrect, the user interface accepts the corrected user identification data entered from the user; and the remote processing unit automatically updates the identification data of the database.

The method, according to claim 32, wherein the verification of the user identification data also comprises accessing databases of remote processing units not of the bank.

34. The method according to claim 32 wherein the user is automatically instructed to choose to have his photograph obtained by means of a camera.; if you choose it, the image is automatically displayed visually to the user; and then the user is automatically instructed to accept or regain the user's image.

35. The method, according to claim 34, wherein the accepted image is automatically transmitted to the remote processing unit.

36. The method, according to claim 34, wherein said selected image is automatically printed on a bank card, so that it is subsequently delivered to the user.

37. The method, according to claim 32, wherein the user is automatically instructed to provide additional personal information by means of the user's voice.

38. The method, in accordance with the claim 37, where the user's voice is also obtained electronically, and is automatically transmitted to the remote processing unit.

39. The method, according to claim 23, wherein the step of selecting the function to open an account also comprises: that the user interface automatically instructs the user to select a means of funds for the new account; the user interface accepts the means of funds selected from the user; the user interface accepts the selected amount of the user to be invested; that the user interface automatically instructs the user to confirm the selected medium and quantity; the user interface accepts the user's confirmation of the selected medium and quantity; the user interface automatically transmits the selected medium and quantity to the remote processing unit; the remote processing unit automatically verifies the selected medium and quantity; and the remote processing unit automatically records the selected medium and quantity.

40. The method according to claim 23, wherein the step of selecting the function to open a new account also comprises: that the user interface automatically instructs the user to enter the user's signature in a user registration device. firms; and the signature registration device accepts the entered signature of the user.

41. The method, according to claim 39, wherein the fund means comprises an existing account.

42. The method, according to claim 41, characterized in that it further comprises the steps of the user interface accepting the identification data of the user, the information about the account, and the amount.

43. The method, according to claim 39, wherein the fund means comprises a bank card.

44. The method, according to claim 43, characterized in that it also comprises the step of having the user interface accept a bank card.

45. The method, in accordance with the claim 39, where the fund means comprises cash.

46. The method, according to claim 45, characterized in that it also comprises the step of having the user interface accept the cash.

47. The method, in accordance with the claim 39, where the means of funds comprises a check.

48. The method according to claim 47, characterized in that it also comprises the step of having the user interface accept a check.

49. The method, in accordance with the claim 23, wherein the step of selecting the function to modify an account also comprises: that the user interface automatically tells the user to request a change to the user identification data; the user interface accepts the user identification data changed from the user; the user interface automatically displays the new user identification data visually; the user interface automatically tells the user to confirm the new user identification data; the user enters the confirmation of the new user identification data; the user interface automatically transmits the new user identification data to the remote processing unit; the remote processing unit automatically verifies the new user identification data; and the remote processing unit automatically transmits the new verified user identification data to the user interface.

50. The method, in accordance with the claim 49, characterized in that it also comprises the step of transferring funds between a first account and a second account.

51. The method, in accordance with the claim 50, where the first account is the customer's account, and the second account is the account of a non-customer.

52. The method, according to claim 23, wherein the step of selecting the function to access the The Internet also includes: that the user interface automatically instructs the user to select information on Internet-based transactions; the user interface accepts the user's request for the transaction information based on the selected Internet; the user interface automatically transmits a request for information from Internet-based transactions to a remote processing unit; the remote processing unit automatically accesses the transaction information based on the requested Internet; the remote processing unit automatically transmits the transaction information based on the requested Internet, to the user interface; and the user interface automatically displays the transaction information based on the selected Internet; and the user interface performs the transaction based on the Internet.

53. The method according to claim 23, wherein the selection of the transaction function also comprises that the user interface automatically tells the user an option to request and receive assistance from a representative of the bank's services.

54. The method according to claim 53, characterized in that it also comprises that the user interface accepts the requested assistance from the user with respect to the transaction function selected from the bank's service representative; and connect the user to the bank's service representative for assistance.

55. The method, according to claim 54, characterized in that it also includes connecting the user and the bank's service representative, by means of video teleconferencing in two directions.

56. The method, according to claim 54, characterized in that it also includes that the user and the service representative of the bank use a telephone.

57. The method, according to claim 15, characterized in that it also comprises the generation of an output.

58. The method, according to claim 57, wherein the output comprises at least one of the group of personal checks, replacement checks, cashier's checks, bank cards, summaries of activities, reports, demonstration information and information obtained from the Internet.

59. The method, according to claim 22, wherein, if an information function is selected, the user also selects one from the group of functions of savings, loans, home banking, travel, Internet and demonstrations.

60. The method, according to claim 59, wherein the user is a non-customer.

61. The method, according to claim 59, wherein the selected information function comprises information on bank savings accounts.

62. The method, according to claim 61, wherein the selection of the information function for information on savings accounts also comprises: that the user interface automatically instructs the user to select the information on savings; the user interface accepts the user's selection of savings information; the user interface automatically transmits a request for savings information to a remote processing unit; and the remote processing unit automatically transmits the savings information to the user interface.

63. The method, according to claim 62, characterized in that it also comprises: that the user interface automatically tells the user if he is going to receive the printed savings information; the user interface accepts the user's request to receive printed savings information; and the user interface prints the information about savings.

64. The method, according to claim 59, wherein the selected information function comprises information about bank loan services.

65. The method according to claim 64, wherein the selection of the information function for information on loan services also includes: that the user interface automatically instructs the user to select the information on loan services; the user interface accepts the user's selection of information on loan services; the user interface automatically transmits a request for information about loan services, to a remote processing unit; and the remote processing unit automatically transmits information about loan services to the user interface.

66. The method, according to claim 65, characterized in that it also comprises: that the user interface automatically tells the user to receive the information on loan services; the user interface accepts the user's request to receive the information on printed loan services; and the user interface prints the information about loan services.

67. The method, according to claim 59, wherein the selected information function comprises information on banking products and services in the home.

68. The method, in accordance with the claim 67, where the selection of the information function for information on banking products and services in the home also includes the steps of: that the user interface automatically instructs the user to select the information on banking products and services in the home; the user interface accepts the user's selection of information about banking products and services in the home; the user interface automatically transmits a request for information about banking products and services in the home, to a remote processing unit; and the remote processing unit automatically transmits information about banking products and services in the home to the user interface.

69. The method, in accordance with the claim 68, characterized in that it also comprises: that the user interface automatically instructs the user to receive information on banking products and services in the printed home; the user interface accepts the user's request to receive information about banking products and services in the printed home; and the user interface prints information about banking products and services in the home.

70. The method, according to claim 59, wherein the selected information function comprises information about travel services.

71. The method, in accordance with the claim 70, wherein the selection of the information function for information on travel services also includes: that the user interface automatically instructs the user to select information on travel services; the user interface accepts the user's selection of information on travel services; the user interface automatically transmits a request for information about travel services, to a remote processing unit; and the remote processing unit automatically transmits information about travel services to the user interface.

72. The method, according to claim 71, characterized in that it also comprises: that the user interface automatically instructs the user to receive the information on printed travel services; the user interface accepts the user's request to receive information about printed travel services; and the user interface prints the information about travel services.

73. The method, according to claim 59, wherein the selected information function comprises information based on the Internet.

74. The method, according to claim 73, characterized in that it also comprises: that the user interface automatically instructs the user to select the information based on the Internet; the user interface accepts the user's request for information based on the Internet; the user interface automatically transmits a request for information based on the Internet, to a remote processing unit; the remote processing unit automatically accesses the information based on the requested Internet; the remote processing unit automatically transmits the information based on the Internet to the user interface; and the user interface automatically displays the information based on the selected Internet; the user interface automatically tells the user to request the information based on the printed Internet; the user interface accepts the user's request to receive the information based on the printed Internet; and the user interface prints the information based on the Internet.

75. The method, according to claim 59, wherein the selected information function also comprises a video demonstration.

76. The method, in accordance with the claim 77, where the selection of the information function for a video demonstration also includes: that the user interface automatically instructs the user to select the video demonstration; the user interface accepts the user's selection of a video demonstration; and the user interface automatically displays the selected video demonstration.

77. The method, according to claim 76, characterized in that it also comprises: the user interface automatically transmits a request for a video demonstration, to a remote processing unit; and the remote processing unit automatically transmits a video demonstration to the user interface.

78. The method, according to claim 59, wherein the selected information function also comprises a graphic demonstration.

79. The method according to claim 78, wherein the selection of the information function for a graphic demonstration also comprises: that the user interface automatically instructs the user to select a graphic demonstration; the user interface accepts the user's selection of a graphic demonstration; and the user interface automatically displays the selected graphic demonstration.

80. The method, according to claim 78, characterized in that it also comprises: the user interface automatically transmits a request for a graphic demonstration, to a remote processing unit; and the remote processing unit automatically transmits the graphic demonstration to the user interface.

81. The method, according to claim 78, characterized in that it also comprises: that the user interface automatically tells the user whether he will receive selected frames of the graphic demonstration; the user interface accepts the user's selection of graphical demonstration frames; and the user interface prints the selected frames.

82. The method, according to claim 59, wherein the selection of the information function also comprises that the user interface automatically tells the user an option to request the assistance of a representative of the bank's services.

83. The method, according to claim 59, characterized in that it also comprises the generation of an output.

84. The method, according to claim 83, wherein the output comprises information related to at least one of the group of functions of savings, loans, home bank, travel, Internet, and demonstrations.

85. A system for a user to obtain financial information, and perform banking transactions, comprising: an element for accessing a user interface; an element so that the user interface automatically tells the user to enter the user identification data; an element for entering user identification data; an element for the interface to automatically transmit the user identification data to a remote processing unit having a database; an element for the remote processing unit to automatically verify the identification data of the user; an element for the remote processing unit to determine automatically if the user is a non-customer; an element for the remote processing unit to transmit automatically to the database information of the user interface; an element so that the user interface automatically displays a menu of functions; an element for the user to select a function; an element so that the user interface automatically tells the user to enter the data for the selected function; an element for the user to enter the data related to the selected function; and an element for the user interface to perform the selected function.

86. An automated banking and information system for customers and non-customers of the bank, to perform banking transactions, and obtain information on banking products and services, without the need to interact face-to-face with a customer representative of the bank, which includes: a terminal coupled to a remote processing unit for the user to enter, receive and display data visually; a bank card reader device coupled to the terminal, to obtain information about the user; a signature introduction device coupled to the terminal, for registering and verifying user identification information; at least one printing device coupled to the terminal, for printing information and summaries of information and bank transactions; at least one mailbox housed inside the terminal, which has a receptacle opening for receiving personal user information, deposits and banking correspondence; at least one check storage unit, housed inside the terminal to hold the checks before they are delivered; when at least one paper cartridge coupled to the check printing device for supplying paper for checks to be printed; at least one check printing device housed in, and coupled to, the terminal; at least one check delivery device coupled to a check printing device, for ejecting checks after a request by a user of checks; at least one bank card storage device housed inside the terminal, to contain blank bank cards; a bank card printing device housed inside the terminal, and coupled to the terminal; at least one delivery device coupled with a bank card printing device for ejecting bank cards; a CD ROM drive housed inside, and coupled to, the terminal for reading data from terminal-based information products and services from a CD; a modem attached to the terminal to access the Internet; and a video conference unit in two directions, coupled to the terminal, to communicate with a customer service representative of the bank.

87. The system, according to claim 86, characterized in that it also comprises: a seat unit connected to the terminal to allow at least one user to sit and see the terminal; and an audio horn coupled to the terminal for the user to hear the sounds associated with the information and transaction functions.

88. The system, according to claim 86, wherein the bank cards also comprise smart cards.

89. The system, according to claim 86, characterized in that it also comprises: a digital camera to obtain the image of the user.

90. The system, according to claim 86, characterized in that it also comprises: a video camera to obtain the image of the user.

91. The system, in accordance with the claim 85, characterized in that it also comprises: an element for transmitting the image of a user to the remote processing unit.

92. The system, according to claim 86, characterized in that it also comprises: a microphone to obtain the voice of the user.

93. The system, according to claim 85, characterized in that it also comprises: an element for transmitting the voice of a user to the remote processing unit.