公开(公告)号：US5940811A

公开(公告)日：1999-08-17

申请号：US732584

申请日：1996-10-15

申请人： Jeffrey A. Norris

发明人： Jeffrey A. Norris

IPC分类号： G06Q20/10 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q40/00 ,  G07F7/08 ,  G07F19/00 ,  G06F17/60

CPC分类号： G07F7/08 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G07F19/20 ,  G07F19/201

摘要： A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks, ordering additional checks, issuing credit and debit cards, wire transferring money, and so on. The transactions are provided from a kiosk and controlled by a computer controller interacting with the consumer. In the case of loans, a computer controller helps the consumer in the completion of the application, performs the underwriting, and transfers funds. The computer controller obtains the information needed to process the application, determines whether to approve the loan, effects electronic fund transfers to the applicant's deposit account and arranges for automatic withdrawals to repay the loan. The computer controller reviews documentation requirements including consumer lending and other required documentation with the consumer and obtains acknowledgment of acceptance of terms by having the consumer sign an electronic signature pad. Copies of documents with a digital photograph are printed out by a printer in the kiosk for the consumer. Finally, the kiosk has the capability of imprinting a credit or debit card in response to a consumer request.

摘要翻译： 封闭循环的方法和装置，典型金融交易的自动处理，包括贷款，设立检查，储蓄和个人退休账户，获得出纳支票，订购额外支票，发放信用卡和借记卡，电汇等。 这些交易是从一个信息亭提供的，并由与消费者交互的计算机控制器控制。 在贷款的情况下，计算机控制员帮助消费者完成申请，执行承销和转移资金。 计算机控制员获得处理申请所需的信息，确定是否批准贷款，将电子资金转移给申请人的存款账户，并安排自动提款以偿还贷款。 计算机控制器将消费者贷款和其他所需文件的文件要求与消费者进行审核，并通过让消费者签署电子签名板来获得对条款接受的确认。 使用数码照片的文件副本由打印机在消费者的信息亭中打印出来。 最后，信息亭有能力根据消费者的要求打印信用卡或借记卡。

公开(公告)号：US6105007A

公开(公告)日：2000-08-15

申请号：US305622

申请日：1999-05-05

申请人： Jeffrey A. Norris

发明人： Jeffrey A. Norris

IPC分类号： G06Q20/10 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q40/00 ,  G07F7/08 ,  G07F19/00 ,  G06F17/60

CPC分类号： G07F7/08 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G07F19/20 ,  G07F19/201

摘要： A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks, ordering additional checks, issuing credit and debit cards, wire transfering money, and so on. The transactions are provided from a kiosk and controlled by a computer controller interacting with the consumer. In the case of loans, a computer controller helps the consumer in the completion of the application, performs the underwriting, and transfers funds. The computer controller obtains the information needed to process the application, determines whether to approve the loan, effects electronic fund transfers to the applicant's deposit account and arranges for automatic withdrawals to repay the loan. The computer controller reviews documentation requirements including consumer lending and other required documentation with the consumer and obtains acknowledgment of acceptance of terms by having the consumer sign an electronic signature pad. Copies of documents with a digital photograph are printed out by a printer in the kiosk for the consumer. Finally, the kiosk has the capability of imprinting a credit or debit card in response to a consumer request.

摘要翻译： 封闭循环的方法和装置，典型金融交易的自动处理，包括贷款，设立检查，储蓄和个人退休账户，获得出纳支票，订购额外支票，发放信用卡和借记卡，电汇等。 这些交易是从一个信息亭提供的，并由与消费者交互的计算机控制器控制。 在贷款的情况下，计算机控制员帮助消费者完成申请，执行承销和转移资金。 计算机控制员获得处理申请所需的信息，确定是否批准贷款，将电子资金转移给申请人的存款账户，并安排自动提款以偿还贷款。 计算机控制器将消费者贷款和其他所需文件的文件要求与消费者进行审核，并通过让消费者签署电子签名板来获得对条款接受的确认。 使用数码照片的文件副本由打印机在消费者的信息亭中打印出来。 最后，信息亭有能力根据消费者的要求打印信用卡或借记卡。

公开(公告)号：US5870721A

公开(公告)日：1999-02-09

申请号：US729892

申请日：1996-10-15

申请人： Jeffrey A. Norris

发明人： Jeffrey A. Norris

IPC分类号： G06Q20/10 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q90/00 ,  G07F7/08 ,  G07F19/00 ,  G06F17/60

CPC分类号： G07F7/08 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G07F19/20

摘要： A method and apparatus for closed loop, automatic processing a loan, including completion of the application, underwriting, and transferring funds, includes use of a programmed computer to interface with an applicant, obtain the information needed to process the loan, determine whether to approve the loan, and effect electronic fund transfers to the applicant's deposit account and arrange for automatic withdrawals to repay the loan. Information is received from the applicant preferably by using voice recognition technology but alternatively by entering the alpha-numeric information using a personal computer keyboard or using the buttons on a telephone. The loan approval determination is made using a neural network with input obtained in part from the applicant and in part from databases accessed by the computer, such as a credit bureau, to obtain a credit report. The loan agreement is transmitted by facsimile to and from the applicant when the applicant has access to a facsimile machine or datafile to be printed or to an agent who delivers the agreement to the applicant when the applicant does not have access. In a preferred embodiment, the applicant accesses the computer from a kiosk where the complete transaction can take place as the applicant waits.

摘要翻译： 封闭式自动处理贷款的方法和装置，包括完成申请，承销和转移资金，包括使用程序化计算机与申请人联系，获得处理贷款所需的信息，确定是否批准 贷款，并将电子资金转移给申请人的存款帐户，并安排自动提款以偿还贷款。 优选地，通过使用语音识别技术从申请人接收信息，或者通过使用个人计算机键盘或使用电话上的按钮输入字母数字信息。 贷款审批确定是使用神经网络进行的，该神经网络具有部分来自申请人的部分输入，部分来自计算机（例如信用局）访问的数据库，以获得信用报告。 当申请人可以访问要打印的传真机或数据文件或者在申请人无法访问时向申请人交付协议的代理人，贷款协议通过传真传送到申请人和从申请人转移。 在一个优选实施例中，申请人从一个报亭来访问计算机，在该信息亭中，可以在申请人等待时完成交易。