PERSONAL TELLER SYSTEM FOR REMOTE INTERACTIVE AND PERSONALIZED BANKING
First Claim
1. A plurality of personal teller machines for connecting remote customers to any of a plurality of teller stations, located in a call center remote from each of the plurality of personal teller machines, to communicate with and be controlled by any of the plurality of teller stations, each personal teller machine comprising:
- an interface for communicating with and for being controlled by any of the plurality of teller stations located in the call center to enable a remote customer to conduct a financial transaction via the personal teller machine with a banking institution that uses or is integrated with each of the plurality of teller stations;
a camera programmed to capture video data and transmit the video data to any of two or more teller stations;
a microphone programmed to capture audio data and transmit the audio data to any of the two or more teller stations;
a display programmed to receive and display video data sent from any of the two or more teller stations;
a speaker programmed to receive and play audio data sent from any of the two 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 any of the two 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.
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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.
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Citations
17 Claims
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1. A plurality of personal teller machines for connecting remote customers to any of a plurality of teller stations, located in a call center remote from each of the plurality of personal teller machines, to communicate with and be controlled by any of the plurality of teller stations, each personal teller machine comprising:
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an interface for communicating with and for being controlled by any of the plurality of teller stations located in the call center to enable a remote customer to conduct a financial transaction via the personal teller machine with a banking institution that uses or is integrated with each of the plurality of teller stations; a camera programmed to capture video data and transmit the video data to any of two or more teller stations; a microphone programmed to capture audio data and transmit the audio data to any of the two or more teller stations; a display programmed to receive and display video data sent from any of the two or more teller stations; a speaker programmed to receive and play audio data sent from any of the two 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 any of the two 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 two personal teller machines located in at least one location remote from a call center, the at least two personal teller machines being programmed to both send and receive at least one of audio data and video data; a plurality of teller stations located in the call center, the plurality of teller stations being programmed to both send and receive at least one of audio data and video data from each of the at least two personal teller machines; wherein each of the plurality of teller stations is integrated with a service provider'"'"'s 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 each of the plurality of teller machines is programmed to selectively mix bills and individual coins to be remotely dispensed to the customer at any of the at least two personal teller machines in response to a request of the customer made at the corresponding personal teller machine; and at least one server connected with the at least two personal teller machines and the plurality of teller stations, wherein the at least one server is programmed to connect any of the at least two personal teller machines in at least one of audio communication and video communication with any of the plurality of teller stations at the call center to thereby enable any of the plurality of teller stations to control any of the personal teller machines to perform a transaction with the service provider. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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Specification