Method and system for computer-aided telecommunication and financial transactions

• US 20020024590A1
• Filed: 09/18/2001
• Published: 02/28/2002
• Est. Priority Date: 10/16/1999
• Status: Active Grant

• Current Assignee: John Angelo Lastella & Six TOE LLC
• Original Assignee: John Angelo Lastella & Six TOE LLC
• Inventors: Pena, Martin Rangel
• Granted Patent: US 6,704,039 B2
• Time in Patent Office: Days
• US Class Current: 348/14.08
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04N 7/14 Systems for two-way working H04N7/12, H04N7/173 take precedence

Abstract

A computer-aided telecommunication system and method which employs an on-line website to allow those skilled and unskilled in computer operation to communicate with others and conduct diverse financial transactions at any time and from any computer. Subscribers and others can conduct real-time visual communication with remotely located parties, exchange still and moving images, and distribute written information at a cost that is low when compared to alternative forms of communication. The system comprises a minimum of two control stations, one privacy booth and one e-mail station adjacent to each control station, and many remote e-mail/ATM stations placed in secure monitored locations. Each subscriber is assigned a unique access code and e-mail address, and undergoes identity confirmation procedures prior to system use. For ease of e-mail communication, subscribers would only need the name of an intended recipient subscriber or subscriber group identification and not individual e-mail addresses.

Claims

1. A computer-aided telecommunication system that would allow subscribers who are part of a subscriber database, who may be unskilled in computer operation, those not having available to them the necessary personal computer equipment to conduct real-time visual communication with others, and subscribers from personal computers and other personal electronic equipment having on-line access, to conduct a wide variety of telecommunication and financial transactions a cost that is relatively low when compared to communication and financial transaction alternatives, in addition to providing an option for subscribers to promptly and securely transfer money from one to the other during a visual communication with instant on-camera money transfer confirmation, other money transfer with e-mail/voice mail confirmation, purchase goods and services, obtain still and moving images of themselves and any other person participating in a visual communication, transfer written and pictorial information to others in the subscriber database, and conduct communication with customer service representatives about goods and services, said system comprising:

an Internet website configured for visual and e-mail communication between subscribers who are part of a subscriber database and located remotely from one another;

at least two privacy booths, each in a location accessible to subscribers desiring to participate in real-time visual communications with remote subscribers, each of said privacy booths comprising an enclosed room in which sound produced inside said room is not easily heard by anyone positioned immediately outside of said room;

high resolution image display means within said enclosed room for showing subscribers and any accompanying visual correspondents participating in a visual communication with remote participants, including both subscribers and people accompanying the subscribers, a clear real-time image of the remote participants while they remain positioned within a distant one of said privacy booths;

live image capture means within said enclosed room for digitizing images of subscribers and accompanying visual correspondents in said room and transmission through said Internet website to the distant one of said privacy booths housing said remote participants;

at least one microphone within said enclosed room for capturing sounds made by subscribers and accompanying visual correspondents and transmission through said Internet website to the distant one of said privacy booths housing said remote participants;

a telephone;

a pneumatic tube transport system; and

at least two audio speakers within each of said enclosed rooms for projecting sounds made in the distant one of said privacy booths by said remote participants to subscribers and said accompanying visual correspondents in said room, and wherein controls for said high resolution image display means, said live image capture means, said microphone, and said audio speakers in said room remain substantially inaccessible to subscribers and said accompanying visual correspondents to prevent malfunction and preserve optimum performance of said high resolution image display means, said live video capture means, said microphone, and said audio speakers;

at least two control stations, at least one of said privacy booths being associated with each of said control stations, each of said control stations having a central processing unit with modem means for accessing said Internet website;

scanner means electronically connected to said central processing unit for capturing and digitizing images of written and pictorial information for e-mail transfer from one subscriber to any of the subscribers in the subscriber database without said central processing unit maintaining a permanent record thereof;

a computer keyboard electronically connected to said central processing unit;

printer means electronically connected to said central processing unit for creating high resolution copies of written and pictorial information transferred to recipient subscribers by e-mail and which become promptly available to recipient subscribers when they reveal a uniquely assigned access code to said central processing unit through said keyboard, and also for printing still images of visual communication participants;

fax means also electronically connected to said central processing unit for transmission of high resolution images of money receiving subscribers participating in a visual communication who receive a money sum by way of a bank voucher, as well as transmission of corresponding voucher information, to a bank selected by the money receiving subscriber so that representatives at the selected bank are able to readily confirm the identify the money receiving subscriber and know how much to pay the money receiving subscriber when the money receiving subscriber presents the voucher to the bank to claim the transferred money sum amount, the selected bank being one of several banks conveniently accessible from the one of said privacy booths in which the visual communication was conducted during which the money receiving subscriber received the bank voucher and which through prior arrangement has agreed to transfer money sums in exchange for such bank vouchers;

video recording means electronically connected to said central processing unit for transferring to videotape without said central processing unit maintaining a permanent record thereof a copy of moving images of subscribers, remote subscribers, and other accompanying people captured during a visual communication for immediate delivery at the conclusion thereof to each participant of the visual communication requesting in advance a preserved copy of said images; and

at least one electronic technician having skills for activating said central processing units, said modem means, said scanner means, said printer means, said fax means, and said video recording means to implement private and secure transfer of visual communication, money, recorded messages, and printed pictorial information between remotely located subscribers; and

data transfer means between each of said privacy booths and a nearby one of said control stations for achieving electronic connection between said privacy booths and said control stations as well as two-way electronic data communication therebetween.

2. The system of claim 1 wherein said privacy booths each further comprise at least one writing surface and at least one piece of furniture for comfortably seating subscribers and accompanying visual correspondents.

3. The system of claim 1 wherein said privacy booths each further comprise components selected from a group consisting of windows with permanently closed panes, windows with a least one sliding pane, audio signaling means for capturing the attention of a skilled electronic technician at said control station through use of sounds, and visual signaling means for capturing the attention of a skilled electronic technician at said control station through use of steady and intermittently operating lights.

4. The system of claim 1 further comprising at least one e-mail station for independent access by subscribers in the subscriber database to written and pictorial information transferred to them by e-mail through said Internet website, said system also comprising data transfer means between said e-mail station and one of said control stations for achieving electronic connection between said e-mail station and said control station as well as two-way electronic data communication therebetween.

5. The system of claim 4 wherein each of said e-mail stations comprise components selected from a group consisting of computer keyboards, computer printers, display screens, and bank connected automated teller machines.

6. The system of claim 1 wherein said data transfer means between said control stations and each of said privacy booths as well as each of said e-mail stations is selected from a group consisting of data transfer cables and wireless connection devices.

7. The system of claim 1 further comprising at least one remote e-mail station for independent e-mail transfer of written and pictorial information through said Internet website by subscribers in the subscriber database, as well as independent access by the subscribers through said Internet website to e-mail transferred written and pictorial information sent to them, said system also comprising remote data transfer means through said Internet website between said remote e-mail station and one of said control stations.

8. The system of claim 7 wherein each of said remote e-mail station comprise components selected from a group consisting of central processing units, computer keyboards, computer printers, scanners, fax machines, keypads, display screens, automated teller machines, coin accepting receptacles, currency accepting receptacles, debit card reading receptacles, credit card reading receptacles, locks for safeguarding currency and coins deposited into said coin accepting receptacles and said currency accepting receptacles, and maintenance access means for routine and emergency servicing of said central processing units, said computer printers, said scanners, and said fax machines.

9. A method of computer-aided communication between subscribers who are part of a subscriber database and located remotely from one another, and who may be unskilled in computer operation, which allows private transfer of recorded messages and pictorial information between such subscribers, private real-time visual communication between them and others accompanying them, secure transfer of money between subscribers during a private visual communication with immediate money transfer confirmation, and both still and moving image capture of subscribers and others accompanying them during a visual communication, said method comprising the steps of:

providing an Internet website configured for visual and e-mail communication between remote people, two technicians skilled in computer and electronic equipment operation, two privacy booths each having a high resolution monitor, a live video capture camera, audio speakers, a microphone, two control stations each having a central processing with a network interface card, a soundcard, a videocard and a router, a fax device with data compression capability, a computer monitor, a keyboard, a printer, a scanner, and a video recorder, and also providing a plurality of two-way data transfer cables and telephone service access lines;

using said central processing unit to create a database of subscribers desiring to have real-time visual communication with one or more subscribers in the database who are positioned remotely therefrom and people accompanying the remote subscribers;

assigning a unique access code and a unique e-mail address to each of the subscribers in the database;

storing access code, e-mail address information, and subscriber identification information in said subscriber database in encrypted form for cross-referencing access by said central processing unit but not by subscribers;

locating said privacy booths in positions remote from one another and readily accessible to database subscribers desiring visual communication with one another;

positioning one of said control stations in close proximity to each of said privacy booths;

using said two-way data transfer cables to connect said central processing unit in each of said control stations to one of said fax devices, computer monitors keyboards, printers, scanners, and video recorders, as well as to said high resolution monitor, said live video capture camera, said audio speakers, and said microphone in the nearby one of said privacy booths;

one of the subscribers approaching a conveniently located one of said control stations;

said subscriber entering his or her unique access code;

said computer collecting current subscriber identification information from subscriber at the time of entering said unique access code and comparing said current identifying information to identifying information initially collected;

allowing said subscriber to continue in desired transactions when said both sets of said subscriber identifying information is identical;

if only e-mail receipt is desired and after the skilled technician has connected said central processing unit to said Internet website through one of said telephone service access lines, the subscriber revealing his or her assigned access code to said central processing unit using said control station keyboard and immediately thereafter obtaining copies of e-mail messages from said control station printer;

if e-mail transmission of a recorded message and pictorial information is desired, after providing payment therefore to a skilled technician at said control station the subscriber handing to the skilled technician the recorded message and pictorial information for which transmission is desired, the subscriber identifying the name of all subscribers intended for receipt of the e-mail transmission, the skilled technician connecting said central processing unit to said Internet website through one of said telephone service access lines and typing the names of recipient subscribers on said control station keyboard, the skilled technician placing the unread recorded message and pictorial information into said control station scanner and activating said scanner, said central processing unit accessing the subscriber database to identify the e-mail addresses of identified recipient subscribers and sending the scanned images to the identified e-mail addresses without creating a permanent file therein for the scanned images, and then the skilled technician retrieving the unread recorded message and pictorial information from said scanner and returning it to the sending subscriber;

if a visual conference with a remotely located subscriber in the subscriber database is desired, each visual communication participant consisting of subscribers and any people accompanying the subscribers entering a nearby privacy booth, a skilled technician at each privacy booth establishing access to said Internet website, in addition to activating and confirming optimum operation of said speakers, said microphones, said high resolution monitors, and said live video capture cameras, each of said visual communication participants optionally sending a signal to the nearby one of said skilled technicians to activate said central processing unit and cause said central processing unit to direct the capture and printing of images of visual communication participants at designated times for distribution to the requesting visual communication participants without file copies of the images being made, visual communication participants also optionally identifying to the nearby one of said skilled technicians names of receiving subscribers in the subscriber database to which it is desired that copies of the images be sent by e-mail and requesting said skilled technicians to send a copy of the images by e-mail without causing a copy of the images to be maintained by said central processing unit, each of said visual communication participants optionally sending a signal to the nearby one of said skilled technicians to activate said central processing unit and cause said central processing unit to direct the capture and printing of moving images of visual communication participants at designated times for distribution in the form of a videotape to the requesting visual communication participants without file copies of the moving images being made, each of said visual communication participants optionally transferring money to another visual communication participant by the donor participant visually identifying the amount of money to be transferred to the money receiving participant in front of camera in view of a skilled technician in each of said privacy booths and the money receiving participant, the donor participant while in front of camera and so that the remote technician and the money receiving participant can observe the transfer being made, placing the identified amount of money into the hands of the adjacent one of said skilled technicians, the one of said skilled technicians adjacent to the money receiving participant in front of the camera and so as to be visible by donor participant and the one of said skilled technicians adjacent to the donor participant, placing the identified amount of money into the hands of the money receiving participant, individually counting out the currency for the money receiving participant if a cash transaction is made, and the money receiving participant signing a receipt for the identified amount of money and handing the receipt to the adjacent one of said skilled technicians, and after said visual communication is concluded said participants each leaving the adjacent ones of said privacy booths, notifying the adjacent ones of said skilled technicians that the visual communication is concluded, each of the skilled technicians giving the still and moving images captured during the visual communication to the subscribers previously requesting them, and said skilled technicians each then directing the central processing units to terminate said Internet website connections.

10. The method of claim 9 further providing the steps of providing a writing surface, and at least one piece of furniture upon which the visual communication participants can be seated, and the money receiving participant using said writing surface for signing the receipt.

11. The method of claim 9 wherein the step providing said privacy booths further comprises the step of providing privacy booths with components selected from a group consisting of windows with permanently closed panes, windows with a least one sliding pane, audio signals for capturing the attention of a skilled electronic technician at said control station, and visual signals for capturing the attention of a skilled electronic technician at said control station.

12. The method of claim 9 further comprising the step of providing e-mail stations for independent access without the help of a skilled technician by subscribers in the subscriber database to written and pictorial information transferred to them by e-mail through said Internet website, and the step of using a portion of said two-way data transfer cables to establish electronic communication between said e-mail station and one of said control stations.

13. The method of claim 12 wherein the step of providing each of said e-mail stations further comprises the steps of providing e-mail station components selected from a group consisting of computer keyboards, computer printers, display screens, and bank connected automated teller machines.

14. The method of claim 13 further comprising the steps of providing e-mail stations having bank connected automated teller machines and subscribers optionally accessing said automated teller machine with bank-assigned access codes to obtain money to pay for e-mail transmissions and for transfer to money receiving participants during visual communications.

15. The method of claim 13 wherein the step of subscriber payment for e-mail transmissions is selected from a group consisting of pre-payment through payment of recurring subscription fees, on-site payment of the transmission amount to a skilled technician at a control station, and on-site placement of the transmission amount directly into remote e-mail stations.

16. The method of claim 9 further comprising the step of providing remote e-mail stations for independent transfer of written and pictorial information by subscribers to other subscribers in the subscriber database through said Internet website without the help of a skilled technician, independent access without the help of a skilled technician by subscribers in the subscriber database to written and pictorial information transferred to them by e-mail through said Internet website, the step of using a said telephone service access lines to establish data transfer communication between said remote e-mail stations and said control stations, and the step of skilled technicians directing said central processing unit at said control station to enter an inactive mode after visual communications are concluded from which it can be rapidly returned to active status by subscribers paying e-mail transmission fees at said remote e-mail stations.

17. The method of claim 16 wherein the step of providing each of said remote e-mail stations further comprises the steps of providing remote e-mail station components selected from a group consisting of central processing units, computer keyboards, computer printers, scanners, fax machines, keypads, display screens, automated teller machines, coin accepting receptacles, currency accepting receptacles, debit card reading receptacles, credit card reading receptacles, locks for safeguarding currency and coins deposited into said coin accepting receptacles and said currency accepting receptacles, and maintenance access means for routine and emergency servicing of said central processing units, said computer printers, said scanners, and said fax machines.

18. The method of claim 17 further comprising the steps of providing remote e-mail stations having bank connected automated teller machines and e-mail sending subscribers optionally accessing said automated teller machine with bank-assigned access codes to obtain money to pay for e-mail transmissions.

19. The method of claim 9 wherein the step of the skilled technician adjacent to the money receiving participant placing the identified amount of money into the hands of the money receiving participant further comprises the identified amount of money transferred being selected from a group consisting of cash, check, and bank voucher.

20. The method of claim 19 wherein the step of transferring the identified amount of money by bank voucher further comprises the steps of the one of the skilled technicians adjacent to the money receiving visual communication participant directing said central processing unit to capture and send an image of the money receiving participant by fax or computer to a bank for confirmation of the identity of the money receiving participant upon arrival at the bank to claim the transferred money sum.