Remote financial transaction system

摘要

A system for performing remote financial transactions using a payment module having access to a memory and having communication with an off-site processing system, such as through an interactive network. The payment module accesses payment account information and corresponding PIN information stored in the memory. A user may select a financial transaction and a payment account to access for performing the financial transaction. The PIN and required payment account information are retrieved from the memory, encrypted and transmitted through the interactive network ultimately to the financial institution maintaining the account. The financial institution may make an approve/decline decision and may send an approve/decline message to the user through the interactive network. $$