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Method and system for remote delivery of retail banking services

  • US 20020038289A1
  • Filed: 02/22/2001
  • Published: 03/28/2002
  • Est. Priority Date: 12/08/1989
  • Status: Active Grant
First Claim
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1. A system for conducting financial transactions using an ATM network of the type connected to at least one financial institution, said financial institution maintaining an account for a specific user, said system comprising:

  • a central computer coupled to a packet data network;

    at least one remote data terminal including user-manipulable input keys and a multi-line display, said data terminal coupled to a dial-up telephone line, said remote data terminal including means for generating first data representing a payee and second data representing an amount;

    telecommunications means including a modem operatively coupled to said central computer and a modem operatively coupled to said remote data terminal, said telecommunications means for communicating said first and second data from said remote data terminal to said central computer via a said packet data network and dial-up telephone line, said central computer further including means for generating a digital message responsive to said communicated first and second data and for applying said digital message to said ATM network so as to selectively effecting debiting of said user account in response to user manipulation of said remote terminal input keys.

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