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    • 93. 发明授权
    • Portable personal-banking system
    • 便携式个人银行系统
    • US5025373A
    • 1991-06-18
    • US214263
    • 1988-06-30
    • George T. Keyser, Jr.Carl R. FoslerJeffrey D. Johnson
    • George T. Keyser, Jr.Carl R. FoslerJeffrey D. Johnson
    • G06F1/18G06Q20/04G06Q20/10G06Q20/34G06Q20/36G06Q20/40G07F7/08G07F7/10
    • G07F7/1008G06F1/181G06Q20/04G06Q20/108G06Q20/341G06Q20/346G06Q20/363G06Q20/4097G07F19/201G07F7/0866
    • A portable personal banking system comprises a host computer and at least one portable terminal among a variety of terminals including automatic teller machines and personal computers. The portable terminal provides a range of banking services over an automatically dialed-up telephone connection to the host bank computer. The personal terminal comprises a keyboard and display capability with mininal key requirements and display capacity respectively. Furthermore, during a banking mode of operation, control resides in the host bank computer. Consequently, future modifications or additions to banking services may be implemented without any change to the personal terminal. Also, the costs of providing the present portable personal terminal banking terminals are minimal compared with known home information terminals such as videotex terminals or personal computers. Yet, a personal terminal serving system is compatible with a serving system including home or office personal computers equipped with modems, automatic teller machines and other bank service enhancements implemented by the serving bank. Also, during a local mode of operation without the banking system, the terminal serves as a personal banking manager. The personal terminal housing may comprise a front surface for data entry and display and a rear surface comprising a pocket for banking forms and a writing table.
    • 便携式个人银行系统包括主计算机和包括自动柜员机和个人计算机的各种终端中的至少一个便携式终端。 便携式终端通过自动拨号电话连接提供一系列银行业务到主机银行计算机。 个人终端包括键盘和显示能力,分别具有最低要求和显示容量。 此外,在银行操作模式下,控制驻留在主机银行计算机中。 因此,可以对个人终端进行任何改变而实现对银行业务的未来修改或补充。 此外,与诸如视频终端或个人计算机之类的已知家庭信息终端相比,提供本便携式个人终端银行终端的成本最小。 然而,个人终端服务系统与包括配备有调制解调器的家庭或办公室个人计算机的服务系统兼容,自动柜员机和由服务银行实现的其他银行服务增强。 此外,在没有银行系统的本地运营模式下,终端作为个人银行经理。 个人终端壳体可以包括用于数据输入和显示的前表面和包括用于银行形式的口袋和书写表的后表面。