H - Electricity – 04 – L
Patent
H - Electricity
04
L
H04L 12/56 (2006.01) H04L 29/06 (2006.01) H04L 29/08 (2006.01) H04M 11/06 (2006.01)
Patent
CA 2175716
A system for conducting financial transactions using an ATM network of the type connected to at least one financial institution, which maintains an account for a specific user, includes a central computer, at least one remote data terminal including a user input and an alpha-numeric display, the data terminal coupled to a dial-up telephone line, the remote data terminal being adapted to generate first data representing a payee, second data representing an amount and third data representing an ATM network compatible personal identification number; a modem operatively coupled to the remote data terminal for communicating the first, second and third data from the remote data terminal to the central computer via the dial-up telephone line, and the central computer generating a digital message responsive to the communicated first, second and third data and applying the digital message including the ATM network compatible personal identification number to the ATM network so as to selectively effect debiting the user account substantially in real-time response to user manipulation of the remote terminal input keys. This system is used to pay bills using remote home banking terminals.
Ahlin Leo
Caruthers Douglas W.
Chin Edward
Engber Marjorie
Kawan Joseph C.
Ahlin Leo
Caruthers Douglas W.
Chin Edward
Engber Marjorie
Kawan Joseph C.
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