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(11) | EP 0 884 703 A3 |
| (12) | EUROPEAN PATENT APPLICATION |
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| (54) | Method of processing a financial transaction and a self-service banking system therefor |
| (57) A self-service banking system (10) is provided for enabling a customer to initially
develop a financial transaction with a financial institution from a location other
than an automated teller machine (ATM) and then to complete the financial transaction
from an ATM after the developed financial transaction has been authorized by the financial
institution. The system comprises a touch tone telephone (42) having a touch tone
key pad for enabling a customer to develop the financial transaction to a point ready
for authorization by the financial institution. A first processing unit (24) is associated
with the financial institution and is provided for authorizing the financial transaction
developed by the customer. An ATM (12) includes (i) a card reader (14) for receiving
and processing a card which identifies the customer, and (ii) a second processing
unit (30) cooperating with the first processing unit (26) to complete the financial
transaction developed by the customer and authorized by the first processing unit
when the card reader receives and processes the card which identifies the customer.
Preferably, the second processing unit includes a Voice Information System (VIS) (40)
which cooperates with the touch tone telephone (42) to allow the customer develop
a desired financial transaction. The first processing unit (24) includes a remote
processor (26) located at the financial institution. The second processing unit (30)
includes a local processor (32) located at the ATM (12). |