PERSONAL TELLER SYSTEM AND METHOD OF REMOTE INTERACTIVE AND PERSONALIZED BANKING
First Claim
1. A personal teller machine for connecting remote customers to a service provider to provide personal interactive services, the personal teller machine comprising:
- a camera programmed to capture video data and transmit the video data to one or more teller stations;
a microphone programmed to capture audio data and transmit the audio data to the one or more teller stations;
a display programmed to receive and display video data sent from the one or more teller stations;
a speaker programmed to receive and play audio data sent from the one or more teller stations;
a coin dispenser and a bill dispenser programmed to selectively dispense a mix of bills and individual coins upon receiving instructions from the one or more teller stations sent in response to a request of the customer made at the personal teller machine; and
a keypad programmed to allow the customer to select and perform services.
6 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods for providing personalized services to remote customers using personal teller machines (PTM) from a centralized call center. The customer initiates the transaction providing identification at a PTM. The identification of the customer is verified and audio and/or video communication is established between the customer at the PTM and a teller at a teller station in the call center. Upon establishment of video and audio connection, the customer may request the performance of specific financial transactions that are controlled by a teller through the teller station that is connected with the PTM over a network. Upon completion of the transactions of the customer by the teller, a receipt is printed for the customer and the video and audio connections are closed.
52 Citations
24 Claims
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1. A personal teller machine for connecting remote customers to a service provider to provide personal interactive services, the personal teller machine comprising:
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a camera programmed to capture video data and transmit the video data to one or more teller stations; a microphone programmed to capture audio data and transmit the audio data to the one or more teller stations; a display programmed to receive and display video data sent from the one or more teller stations; a speaker programmed to receive and play audio data sent from the one or more teller stations; a coin dispenser and a bill dispenser programmed to selectively dispense a mix of bills and individual coins upon receiving instructions from the one or more teller stations sent in response to a request of the customer made at the personal teller machine; and a keypad programmed to allow the customer to select and perform services. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system for connecting remote customers to a service provider to provide personal interactive services, the system comprising:
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at least one personal teller machine located in at least one location remote from a call center, the at least one personal teller machine being programmed to both send and receive at least one of audio data and video data; at least one teller station located in the call center, the at least one teller station being programmed to both send and receive at least one of audio data and video data from the at least one personal teller machine; wherein the at least one teller station is integrated with a service providers'"'"' system and programmed to access an account owned by a customer and verify the account balance, transfer funds to or from the account, withdraw funds directly from the account, and deposit funds directly into the account; wherein the at least one teller machine is programmed to selectively mix bills and individual coins to be remotely dispensed to the customer at the at least one personal teller machine in response to a request of the customer made at the personal teller machine; and at least one server connected with the at least one personal teller machine and the at least one teller station, wherein the at least one server is programmed to connect the at least one personal teller machine in at least one of audio communication and video communication with the at least one teller station at the call center. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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18. A method for providing personalized interactive services to remote customers from a call center, the method comprising:
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receiving a call from a personal teller machine associated with a service provider, the call initiated by a customer; connecting the personal teller machine in audio and video communication with a teller station at the call center; receiving a request from the customer at the personal teller machine for a withdrawal of a specified mix of bills and individual coins; verifying that an account of the customer with the service provider has adequate funds; selecting at the teller station one or more buttons to selectively mix one or more of $100.00 bills, $20.00 bills, $10.00 bills, $1.00 bills, and to selectively mix one or more individual 500 coins, 250 coins, 100 coins, or 10 coins to meet the request of the customer; and selecting at the teller station one or more buttons to remotely cause the personal teller machine to disperse the selectively mixed bills and individual coins to the customer at the personal teller machine. - View Dependent Claims (19, 20, 21, 22, 23, 24)
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Specification