| 摘要 |
<p>The drawing illustrates a remote terminal for use by a customer and communicating with a central computer via a controller 56 and a data link so that the central computer can perform financial transactions involving transfer of funds. The terminal utilizes a check or other ordinary negotiable instrument referred to as a unit record for automated operations and a reader 38 reads from the instrument data identifying the bank branch and account number of the customer. The customer uses a selector panel 27 and keyboard 29 to enter the nature of the transaction and the amount involved. The apparatus can also incorporate checks against fraudlent use involving comparisons between data read off the instrument and entered by the customer. The central computer authorizes the transaction and sends back an authorization code. A printer 70 prints this code on the instrument and cancels it so that, when used with the automated apparatus, the instrument simply becomes a record of the transaction performed. The terminal also photographs the printed instrument in a microfilm camera 75 for record and security purposes. The apparatus can handle cash dispensing (system 37), direct transfer to another account, billing for goods supplied by a store having a terminal integrated into the system, and so on.</p> |
