Method and system for remote delivery of retail banking services

摘要: A practical system and method for the remote distribution of financial services (e.g., home banking bill-paying) involves distributing portable terminals to a user base. The include multi-line display, keys “pointing to” lines on additional keys. Contact is established between central computer operated by service provider, preferably over dial-up telephone line packet data network. Information exchange terminal solicits information from related requested billpaying, provides payee selection amount his bank account PIN number). then transmits message conventional ATM network debiting user's in real time, may pay specified payees electronically or other ways as appropriate. Payments transfers be scheduled advance periodic basis. Because interacts with standard POS node, no significant software changes are required at banks' computers. interface extremely user-friendly incorporates some features interfaces so reduce new anxiety.