Device and method for conducting financial services business via remote video conference

摘要

A device and method for integrating the functions of ATMs, online banking, and other financial services into a single user-friendly video conferencing station at which a customer and representative of a financial institution may converse face to face in real time and conduct any and all of the business they would otherwise be able to conduct in person in an office on the premises of the financial institution. The station consists of: a unit roughly the size and shape of a standard office desk and containing a monitor for videoconferencing, a scanner and printer for exchanging documents, a smaller scanner for verification of identification cards, and an electronic signature pad; and an ATM or similar kiosk capable of remote operation for dispensing cash and teller checks.

主权项

1. A device for conducting any and all of the business of financial services, including but not limited to: deposits and withdrawals, funds transfers, account opening, adding, changing, and/or terminating account products and services, loan applications and closings, and receiving general information and assistance, via remote video conference from a fully automated self-service terminal, comprising: a mold of roughly the size and shape of a standard office desk, which contains the remaining components, a touch-interface monitor screen located at face level for the seated operator, a microphone and audio speakers located at face level for the seated operator, an electronic signature pad, a document printer, a document scanner, a smaller scanner specifically for the scanning of photographic identification cards including but not limited to drivers' licenses (the “ID seamier”); allowing the operator to enter commands by touch on the monitor screen and thereby connect with a representative of the operator's financial institution and enter a real-time video conference; allowing the operator to enter identification by the ID scanner; allowing the operator to send documents to the representative of the operator's financial institution by means of the larger scanner; and allowing the operator to receive documents by means of the document printer.