Browse Prior Art Database

WIRELESS PERSONAL BANKING SYSTEM

IP.com Disclosure Number: IPCOM000013973D
Original Publication Date: 2000-Dec-25
Included in the Prior Art Database: 2003-Jun-19
Document File: 2 page(s) / 85K

Publishing Venue

IBM

Abstract

Disclosed is a wireless personal teller machine system that allows a person to do banking transactions remotely. The wireless personal banking system consists of a plurality of handheld and base units. The handheld units are communicated with the bases via radio waves. Both voice and data can be transmitted and received between a handheld unit and a base unit. The overall connection example is shown in Fig. 1. The block diagram of a handheld unit or personal teller machine (PTM) is shown in Fig. 2. It has a data processing unit, read-only and random access memories, LCD display, a touch-screen digitizer overlaid on the display, a radio transceiver, encryption and decryption unit, keypads, microphone, loudspeaker, and a cash or smart card reader/writer. The handheld unit is powered by batteries. The base unit has a radio transceiver, encryption-decryption unit, microcontroller, and microphone/loudspeaker. The data coming from the base will feed into the Banking Transaction Processor which is connected to the bank's database. The system can be operated with or without a teller. When a teller is on duty, the customer can exchange voice messages with the teller through his/her PTM remotely. When a customer is inside a bank lobby or his/her car at the drive-thru station, he or she can log into the bank's Automatic Teller Machine (ATM) network through his/her own PTM. The menu normally displayed on the ATM will show up on the display of his/her PTM. His signature can be captured on the PTM and sent to the bank in real time. The customer can also get his/her cash or smart card recharged by inserting his/her cash or smart card to the PTM.

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WIRELESS PERSONAL BANKING SYSTEM

  Disclosed is a wireless personal teller machine system that allows a person to do banking transactions remotely. The wireless personal banking system consists of a plurality of handheld and base units. The handheld units are communicated with the bases via radio waves. Both voice and data can be transmitted and received between a handheld unit and a base unit. The overall connection example is shown in Fig. 1. The block diagram of a handheld unit or personal teller machine (PTM) is shown in Fig. 2. It has a data processing unit, read-only and random access memories, LCD display, a touch-screen digitizer overlaid on the display, a radio transceiver, encryption and decryption unit, keypads, microphone, loudspeaker, and a cash or smart card reader/writer. The handheld unit is powered by batteries. The base unit has a radio transceiver, encryption-decryption unit, microcontroller, and microphone/loudspeaker. The data coming from the base will feed into the Banking Transaction Processor which is connected to the bank's database. The system can be operated with or without a teller. When a teller is on duty, the customer can exchange voice messages with the teller through his/her PTM remotely. When a customer is inside a bank lobby or his/her car at the drive-thru station, he or she can log into the bank's Automatic Teller Machine (ATM) network through his/her own PTM. The menu normally displayed on the ATM will show up on the display of...