Method and system for computer-aided telecommunication and financial transactions

• US 6,704,039 B2
• Filed: 09/18/2001
• Issued: 03/09/2004
• Est. Priority Date: 10/16/1999
• Status: Expired due to Fees

• Current Assignee: John Angelo Lastella & Six TOE LLC
• Original Assignee: John Angelo Lastella & Six TOE LLC
• Inventors: Pena, Martin Rangel
• Primary Examiner(s): Ramakrishnaiah, Melur
• Application Number:
  US09/954,803
• Publication Number:
  US 20020024590A1
• Time in Patent Office: 903 Days
• Field of Search: 348/14-1-, 349/90.01, 349/93.24, 349/100.01, 345/329, 345/330, 709/204, 709/205, 709/206, 705/42, 705/43
• US Class Current: 348/14.01
• 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 those of said subscribers desiring to participate in real-time visual communications with remote ones of said subscribers, each of said privacy booths creating an area where audio and visual recordings can be made and having high resolution image display means adapted for showing said subscribers and any accompanying visual correspondents participating in a visual communication with remote participants, including both said subscribers and people accompanying said 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 adapted for digitizing images of said subscribers and said accompanying visual correspondents in one said privacy booth and transmission through said Internet website to the distant one of said privacy booths used by said remote participants;

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

components selected from a group consisting of telephones, telephones providing direct communication to remotely located customer service personnel and pneumatic tube transport systems and speaker means within each of said enclosed rooms adapted for projecting sounds made in the distant one of said privacy booths by said remote participants to said subscribers and said accompanying visual correspondents in said privacy booth, and wherein controls for said high resolution image display means, said live image capture means, said microphone, and said audio speakers in said privacy booth 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 objects selected from a group consisting of writing surfaces and pieces of furniture configured and dimensioned 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, telephones, telephones having direct communication with remotely located customer service personnel, equipment configured for taking at least one fingerprint of a user, equipment configured for taking a voiceprint of a user, equipment configured for taking a digital photograph of a user, and equipment configured for taking personal information of users, display screens, and bank connected automated teller machines.

6. The system of claim 5 wherein said automated teller machines in said email stations are configured for transfer of money within said system from a sending one of said subscribers to an intended recipient subscriber.

7. 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.

8. 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.

9. The system of claim 8 wherein each of said remote e-mail stations used comprises components selected from a group consisting of central processing units, computer keyboards, computer printers, scanners, fax machines, keypads, display screens, automated teller machines, telephones, telephones having direct communication with remotely located customer service personnel, equipment configured for taking at least one fingerprint of a user, equipment configured for taking a voiceprint of a user, equipment configured for taking a digital photograph of a user, and equipment configured for taking personal information of users, 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, said automated teller machines, said display screens, said computer keyboards, said receptacles, and said fax machines.

10. The system of claim 9 wherein said automated teller machines in said remote email stations are configured for transfer of money within said system from a sending one of said subscribers to an intended recipient subscriber.

11. The system of claim 1 wherein said privacy booths are each configured as enclosures in which sound produced inside said enclosure is not easily heard by anyone positioned immediately outside thereof, and wherein at least two of said enclosures are positioned remotely from one another in locations accessible to subscribers needing distant communication.

12. The system of claim 1 further comprising security means for verification of subscriber identity that is selected from a group consisting of equipment configured for taking and storing at least one fingerprint of a user and fingerprint recognition software configured to identify matching fingerprints, equipment configured for taking and storing a voiceprint of a user and voiceprint recognition software configured to identify matching voiceprints, equipment configured for taking and storing a digital photograph of a user and digital image recognition software configured to identify matching digital photographs, and equipment configured for taking and storing personal information of users and recognition software configured to identify matching personal information.

13. The system of claim 1 further comprising computer storage means adapted for identifying and securely retaining at least a portion of funds transferred within said system for subscribers and recipient subscribers until the retained funds are needed for other use.

14. A The system of claim 1 wherein said privacy booths are equipped for bank teller and other financial service transactions selected from a group consisting of sending money to remote individuals via an ATM, paying bills, cashing checks, issuing paychecks, exchanging currencies, opening accounts, viewing bank statements, obtaining purchasing pre-paid telephone cards, purchasing pre-paid debit cards, purchasing money orders, preparing paperwork for loans, purchasing transportation and entertainment tickets, purchasing goods and services, groceries and gas, viewing video advertising for products and services, purchasing pre-paid software applications, purchasing bandwidth to send large files for videoconferencing purposes, and pre-paying entertainment costs.

15. The system of claim 1 further comprising said email stations and said remote email stations configured for operation so as to provide non-subscribers with services in exchange for prepayment of designated unit costs.

16. The system of claim 1 further comprising stand-alone e-mail/ATM station network accessing units configured for bank teller transactions, financial service transactions, purchase transactions, and communication activities selected from a group consisting of consumer-to-consumer transactions, consumer-to-business transactions, business-to-consumer transactions, business-to-employees transactions, employee-to-business transactions, business-to-business transactions, business-to-government transactions, consumer-to-government transactions, government-to-business transactions, government-to-consumer transactions, sending money to remote individuals, sending money to a receiver by sending a security code in an e-mail message that gives the receiver access to money in an established account, paying bills, paying recurring bills using bar code technology, website shopping with package pick-up via use of said control stations, cashing checks, paying employees via a virtual account maintained within said system, exchanging currencies, opening virtual bank accounts within said system and conventional bank accounts outside of said system, viewing bank statements, obtaining purchasing pre-paid telephone cards, purchasing pre-paid debit cards, purchasing money orders, preparing paperwork for loans, sending e-mail, sending still and moving photos, obtaining oral and written directions to an intended destination, purchasing transportation and entertainment tickets, obtaining information about nearby events, activities, museums, and other attractions in an unfamiliar locale, viewing virtual tours of real estate, motels, and vacation package deals, viewing video advertising for products and services, sending written and oral international communication to others, purchasing goods and services, purchasing groceries, gasoline, and other consumable products, purchasing pre-paid software applications, purchasing bandwidth to send large files for videoconferencing purposes, and pre-paying entertainment costs.

17. The system of claim 16 wherein said stand-alone e-mail/ATM station network accessing units are further configured for the option of providing automatic follow-up notification subsequent to a transaction conducted through use of said accessing units, with said notification being made through use of electronic equipment selected from a group consisting of devices capable of sending and receiving e-mail messages, pagers, voice mail equipment, and mobile phone message devices, and the type of said notification and recipients of said notification being originator-selected.

18. The system of claim 16 wherein said stand-alone e-mail/ATM station network accessing units are further configured for use by customers in purchasing goods and services from store clerks and servicing technicians where the financial part of the purchase transaction is conducted via said stand-alone e-mail/ATM station network accessing units and no cash exchanges hands.

19. The system of claim 17 wherein said stand-alone e-mail/ATM station network accessing units are further configured for use by customers in purchasing goods and services from store clerks and servicing technicians where the financial part of the purchase transaction is conducted via said stand-alone e-mail/ATM station network accessing units and no cash exchanges hands.

20. The system of claim 17 wherein said Internet website is further configured for access by customers using personal computers and devices capable of sending and receiving e-mail messages to create a communication link between said personal computers and said privacy booths, a communication link between said personal computers and said stand-alone e-mail/ATM station network accessing units, a communication link between said personal computers and said devices capable of sending and receiving e-mail messages, a communication link between said privacy booths and said stand-alone e-mail/ATM station network accessing units, a communication link between said privacy booths and said devices capable of sending and receiving e-mail messages, and a communication link between said stand-alone e-mail/ATM station network accessing units and said devices capable of sending and receiving e-mail messages.

21. The system of claim 16 wherein said Internet website is further configured for access by personal computers and devices capable of sending and receiving e-mail messages to create a communication link between said personal computers and said privacy booths, a communication link between said personal computers and said stand-alone e-mail/ATM station network accessing units, a communication link between said personal computers and said devices capable of sending and receiving e-mail messages, a communication link between said privacy booths and said stand-alone e-mail/ATM station network accessing units, a communication link between said privacy booths and said devices capable of sending and receiving e-mail messages, and a communication link between said stand-alone e-mail/ATM station network accessing units and said devices capable of sending and receiving e-mail messages.

22. 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 two-way data transfer means and telephone service access means;

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 means 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 said telephone service access means 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.

23. The method of claim 22 further providing steps selected from a group consisting of providing a writing surface, providing at least one piece of furniture upon which visual communication participants can be seated, providing at least one piece of furniture upon which visual communication participants can be seated and said visual communication participants using said furniture, and providing a writing surface and the money receiving participant using said writing surface for signing the receipt.

24. The method of claim 22 wherein the step of 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, telephones, telephones in direct communication with remotely located customer service personnel, equipment configured for taking at least one fingerprint of a user, equipment configured for taking a voiceprint of a user, equipment configured for taking a digital photograph of a user, and equipment configured for taking personal information of users, 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.

25. The method of claim 22 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.

26. The method of claim 25 wherein said automated teller machines in said email stations are configured for transfer of money within said system from a sending one of said subscribers to an intended recipient subscriber, and further comprising a step of said subscribers using said automated teller machines in said email stations to send money within said system to an intended recipient subscriber.

27. The method of claim 25 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, telephones, telephones in direct communication with remotely located service personnel, equipment configured for taking at least one fingerprint of a user, equipment configured for taking a voiceprint of a user, equipment configured for taking a digital photograph of a user, and equipment configured for taking personal information of users, and bank connected automated teller machines.

28. The method of claim 27 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.

29. The method of claim 28 further comprising a step of money transfer to said identified recipient subscriber through sending subscriber use of said e-mail stations.

30. The method of claim 27 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, using a smart card for micropayments, using a credit card, using a debit card, using cash, 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.

31. The method of claim 22 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 said telephone service access means 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.

32. The method of claim 31 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, telephones, telephones in direct communication with remotely located customer service personnel, equipment configured for taking at least one fingerprint of a user, equipment configured for taking a voiceprint of a user, equipment configured for taking a digital photograph of a user, and equipment configured for taking personal information of users, 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, said automated teller machines, said display screens, said computer keyboards, said receptacles, and said fax machines.

33. The method of claim 32 further comprising the steps of providing remote e-mail stations having bank connected automated teller machines and payment for e-mail transmissions being selected from a group consisting of e-mail sending subscribers paying recurring subscription fees, using a smart card for micropayments, using a credit card, using a debit card, using cash brought to said remote e-mail station, and the e-mail sending subscriber accessing said automated teller machine with bank-assigned access codes to obtain money to pay for e-mail transmissions.

34. The method of claim 32 further comprising a step of money transfer to said identified recipient subscriber through sending subscriber use of said remote e-mail stations.

35. The method of claim 32 wherein said automated teller machines in said remote email stations are configured for transfer of money within said system from a sending one of said subscribers to an intended recipient subscriber, and further comprising a step of said subscribers using said automated teller machines in said remote email stations to send money within said system to an intended recipient subscriber.

36. The method of claim 22 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.

37. The method of claim 36 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.

38. The method of claim 22 further comprising the steps of assigning a security code to at least one of said desired transactions, the sending one of said subscribers independently relaying said security code to said identified recipient subscriber, and said recipient subscriber producing said security code in advance of receiving any transfer from said sending subscriber.

39. The method of claim 38 wherein said step of independently relaying said security code can be accomplished by using electronic equipment selected from a group consisting of devices capable of sending and receiving e-mail messages, pagers, voice mail equipment, and mobile phone message devices.

40. The method of claim 39 wherein said communication accomplished between said sending subscriber and said intended recipient subscriber via devices capable of sending and receiving e-mail messages, pagers, voice mail equipment, and mobile phone message devices is automatically generated by said system and can include communication selected from a group consisting of identification of security codes, information about money transfer services conducted via said system, information about purchases made using said system, and general non-money transfer related information.

41. The method of claim 22 further comprising the steps of providing at least one personal computer with live capture camera and microphone that is positioned for sending subscriber use and transfer of money from said sending subscriber to said identified recipient subscriber through sending subscriber use of said personal computer.

42. The method of claim 22 further comprising the step of providing security means for verification of subscriber identity that is selected from a group consisting of equipment configured for taking and storing at least one fingerprint of a user and fingerprint recognition software configured to identify matching fingerprints, equipment configured for taking and storing a voiceprint of a user and voiceprint recognition software configured to identify matching voiceprints, equipment configured for taking and storing a digital photograph of a user and digital image recognition software configured to identify matching digital photographs, and equipment configured for taking and storing personal information of users and recognition software configured to identify matching personal information.

43. The method of claim 22 further comprising the step of providing computer storage means adapted for identifying and securely retaining funds transferred within said system for subscribers and recipient subscribers, and the step of said subscribers and recipient subscribers optionally using said computer storage means to retain at least a portion of said transferred funds until the retained funds are needed for other use.

44. The method of claim 22 further comprising the steps of providing a plurality of receipts and obtaining a signature on at least one of said receipts for confirming purposes when transfers are made between sending subscribers and recipient subscribers.

45. The method of claim 22 further comprising the steps of providing said privacy booths with equipment configured to conduct bank teller and other financial service transactions selected from a group consisting of sending money to remote individuals via an ATM, paying bills, cashing checks, issuing paychecks, exchanging currencies, opening accounts, viewing bank statements, obtaining purchasing pre-paid telephone cards, purchasing pre-paid debit cards, purchasing money orders, preparing paperwork for loans, purchasing transportation and entertainment tickets, purchasing goods and services, groceries and gas, viewing video advertising for products and services, purchasing pre-paid software applications, purchasing bandwidth to send large files for videoconferencing purposes, and pre-paying entertainment costs, and said subscribers optionally conducting said services from one of said privacy booths.

46. The method of claim 22 further comprising the step of providing email stations and remote email stations which are configured for operation so as to provide services to non-subscribers who have prepaid designated unit costs, and said non-subscribers using said email stations and said remote email stations to obtain selected services on a pre-paid basis.

47. The method of claim 22 further comprising a step of using smart cards for storing money transferred by said system and sufficient subscriber information on said smart card to identify ownership of said transferred money stored thereon.

48. The method of claim 22 further comprising the steps of providing stand-alone e-mail/ATM station network accessing units configured for bank teller transactions, financial service transactions, purchase transactions, and communication activities selected from a group consisting of consumer-to-consumer transactions, consumer-to-business transactions, business-to-consumer transactions, business-to-employees transactions, employee-to-business transactions, business-to-business transactions, business-to-government transactions, consumer-to-government transactions, government-to-business transactions, government-to-consumer transactions, sending money to remote individuals, sending money to a receiver by sending a security code in an e-mail message that gives the receiver access to money in an established account, paying bills, paying recurring bills using bar code technology, website shopping with package pick-up via use of said control stations, cashing checks, paying employees via a virtual account maintained within said system, exchanging currencies, opening virtual bank accounts within said system and conventional bank accounts outside of said system, viewing bank statements, purchasing pre-paid telephone cards, purchasing pre-paid debit cards, purchasing money orders, preparing paperwork for loans, sending e-mail, sending still and moving photos, obtaining oral and written directions to an intended destination, purchasing transportation and entertainment tickets, obtaining information about nearby events, activities, museums, and other attractions in an unfamiliar locale, viewing virtual tours of real estate, motels, and vacation package deals, viewing video advertising for products and services, sending written and oral international communication to others, purchasing goods and services, purchasing groceries, gasoline, and other consumable products, purchasing pre-paid software applications, purchasing bandwidth to send large files for videoconferencing purposes, and pre-paying entertainment costs.

49. The method of claim 48 further comprising the step of providing stand-alone e-mail/ATM station network accessing units configured for use by customers in purchasing goods and services from store clerks and servicing technicians where the financial part of the purchase transaction is conducted via said stand-alone e-mail/ATM station network accessing units and no cash exchanges hands, and the step of the customer selecting the type of payment desired, and the step of said stand-alone e-mail/ATM station network accessing units processing the selected type of payment.

50. The method of claim 48 further comprising the step of providing an Internet website configured for access by customers using personal computers and devices capable of sending and receiving e-mail messages to create a communication link between said personal computers and said privacy booths, a communication link between said personal computers and said stand-alone e-mail/ATM station network accessing units, a communication link between said personal computers and said devices capable of sending and receiving e-mail messages, a communication link between said privacy booths and said stand-alone e-mail/ATM station network accessing units, a communication link between said privacy booths and said devices capable of sending and receiving e-mail messages, and a communication link between said stand alone e-mail/ATM station network accessing units and said devices capable of sending and receiving e-mail messages, and the step of customers using said communication links of personal computer to privacy booth, personal computer to stand-alone e-mail/ATM station network accessing unit, personal computer to device capable of sending and receiving e-mail messages, privacy booth to stand-alone e-mail/ATM station network accessing unit, privacy booth to device capable of sending and receiving e-mail messages, and stand-alone e-mail/ATM station network accessing unit to device capable of sending and receiving e-mail messages to conduct communication and financial transactions.

51. The method of claim 48 further comprising the step of providing stand-alone e-mail/ATM station network accessing units that are configured to provide follow-up notification subsequent to any transaction conducted through use of said accessing units, the step of the originator selecting the type of notification desired and the recipients of said notification, and the step of said stand-alone e-mail/ATM station network accessing units providing said selected notification through the use of electronic equipment selected from a group consisting of devices capable of sending and receiving e-mail messages, pagers, voice mail equipment, and mobile phone message devices.

52. The method of claim 51 further comprising the step of providing stand-alone e-mail/ATM station network accessing units configured for use by customers in purchasing goods and services from store clerks and servicing technicians where the financial part of the purchase transaction is conducted via said stand-alone e-mail/ATM station network accessing units and no cash exchanges hands, and the step of the customer selecting the type of payment and notification desired, and the step of said stand-alone e-mail/ATM station network accessing units processing the selected type of payment and notification.

53. The method of claim 51 further comprising the step of providing an Internet website configured for access by customers using personal computers and devices capable of sending and receiving e-mail messages to create a communication link between said personal computers and said privacy booths, a communication link between said personal computers and said stand-alone e-mail/ATM station network accessing units, a communication link between said personal computers and said devices capable of sending and receiving e-mail messages, a communication link between said privacy booths and said stand-alone e-mail/ATM station network accessing units, a communication link between said privacy booths and said devices capable of sending and receiving e-mail messages, and a communication link between said stand-alone e-mail/ATM station network accessing units and said devices capable of sending and receiving e-mail messages, and the step of customers using said communication links of personal computer to privacy booth, personal computer to stand-alone e-mail/ATM station network accessing unit, personal computer to device capable of sending and receiving e-mail messages, privacy booth to stand-alone e-mail/ATM station network accessing unit, privacy booth to device capable of sending and receiving e-mail messages, and stand-alone e-mail/ATM station network accessing unit to device capable of sending and receiving e-mail messages to conduct communication and financial transactions.