CN1277700A

CN1277700A - Negotiable instrument application and distribution system and method

Info

Publication number: CN1277700A
Application number: CN98810592.6A
Authority: CN
Inventors: 约翰·C·诺沃格罗德; 格伦·库兰德
Original assignee: Individual
Current assignee: Individual
Priority date: 1997-10-02
Filing date: 1998-09-22
Publication date: 2000-12-20
Also published as: TW414877B; WO1999018549A2; CA2305778A1; EP1042742A2; AU9573298A; JP2001519576A; WO1999018549A3; IL135362A0

Abstract

The present invention provides a system and method for requesting and dispensing negotiable instruments such as bank checks, money orders, and traveler's checks. The system and method can be used by a bank customer to request an instrument from a telephone, a computer, a fixed location dispenser, or a portable hand-held dispenser in communication with a bank computer. The request can be made orally, using touch tone, or using data transmission over a communications network, which can include telephone lines, two-way radio links, microwave links, satellite links, cellular telephone links, computer networks, and the Internet. After the request is processed and approved, the system and method can then be used to dispense the requested instrument to the bank customer or another party at any time from any receiving dedicated dispenser, fixed location dispenser, or portable hand-held dispenser that is also in communication with the bank computer.

Description

Negotiable instrument requesting and dissemination system and method

The present invention relates to application and distribution negotiable bill, for example system and method for cashier's check, traveller's check and draft.More particularly, the present invention relates to make bank client can apply for negotiable bill, and, reach from receive the system and method for negotiable bill away from the machine of one or more authorized banks or ATM (Automatic Teller Machine) (" ATM ") from printing the machine of the bill of applying for.

The system and method for application that some are known and distribution negotiable bill provides public dispensing device, for example can be at the wall-mounted machine that finds such as bank, airport, railway station and places such as bus station, supermarket: ATM.The inconvenience of this dispensing device is that bank client before can obtaining required negotiable bill, must find this dispensing device.In many cases, may can not find this device, especially be in the isolated area or when late at night when bank client.

The another kind of known application and the system and method for distribution negotiable bill provide bank client portable portable dispensing device.The inconvenience of this device is the necessary money of downloading q.s earlier to this device of bank client, wishes any bill of distributing with the cover bank client.For this reason, bank client must arrive, perhaps other mechanism that this device is checked bank or can be finished described download.Just in case bank client need exceed the bill of residue remaining sum in this mancarried device, this requirement can make this device become useless.Have required fund at bank client in the account of the bank of this dispensing device of access, but this fund does not download to also under the situation of this dispensing device, this requirement can make the client feel dejected especially.

In the system and method for some known applications and distribution negotiable bill, can only for example distribute the ATM of traveller's check from being used to apply for the note presenter of negotiable bill, the negotiable bill of distribution application.The inconvenience of this requirement is in many cases, is positioned at one of a place and can wishes that application will be distributed to the opposing party's who is positioned at another place bill.For example, the father and mother that are in may apply for that the bill distribution device from summer camp, boarding school or institute is distributed to they children's draft.

In view of the foregoing, be desirable to provide the system and method for a kind of application and distribution negotiable bill, by this system and method, bank client can needn't find and use under the situation of public negotiable bill dispensing device, application and reception negotiable bill.

It would also be desirable to provide the system and method for a kind of application and distribution negotiable bill, by this system and method, bank client can utilize portable hand-held distributor application and receive negotiable bill, described hand-held distributor obtains the mandate of this negotiable bill of distribution by communicating by letter with authorized bank by wireless communication link.

Other also it would also be desirable to provide a kind of application and distributes the system and method for negotiable bill, and by this system and method, bank client can install the negotiable bill of printing and distributing at another from a device application.

So an object of the present invention is to provide the system and method for a kind of application and distribution negotiable bill, by this system and method, bank client can needn't find and use under the situation of public negotiable bill dispensing device, application and reception negotiable bill.

Another object of the present invention provides the system and method for a kind of application and distribution negotiable bill, by this system and method, bank client can utilize portable hand-held distributor application and receive negotiable bill, described hand-held distributor obtains the mandate of this negotiable bill of distribution by communicating by letter with authorized bank by wireless communication link.

Another purpose of the present invention provides a kind of application and distributes the system and method for negotiable bill, and by this system and method, bank client can install the negotiable bill of printing and distributing at another from a device application.

Realize above-mentioned and other purpose of the present invention by the system and method that application and the negotiable bill of distribution such as cashier's check, draft and traveller's check are provided.Bank client can be by this system and method, the distributor of the phone by communicating by letter with banking computer, computing machine, fixed position, perhaps portable hand-holding type distributor application bill.Can give an oral account, utilize push-button phone by communication network or utilize data transmission to carry out this application, described communication network can comprise telephone line, bi-directional radio relay link, microwave link, satellite link, cellular phone link, computer network and/or the Internet.After applying for processed and going through, can distribute the bill of application to this bank client or the opposing party at any time from the special-purpose distributor of any reception, fixed position distributor or the portable hand-holding type distributor of also communicating by letter subsequently with banking computer.

In conjunction with the accompanying drawings, with reference to following detailed description, above and other objects of the present invention and advantage will be conspicuous, the wherein identical identical parts of Reference numeral representative, wherein:

Fig. 1 is the block scheme according to the example system of application of the present invention and distribution negotiable bill;

Fig. 2 is the front view according to portable hand-holding type distributor of the present invention;

Fig. 3 is the side view (broken section) according to an embodiment of the portable hand-holding type distributor with collapsible negotiable bill supply source of the present invention;

Fig. 4 is the side view (broken section) according to an embodiment of the portable hand-holding type distributor with rolling negotiable bill supply source of the present invention;

Fig. 5 is the skeleton view of the portable hand-holding type distributor (open on its top) according to manager form of the present invention;

Fig. 6 is the item view of the portable hand-holding type distributor (its top is closed) according to manager form of the present invention;

Fig. 7 is the front view (broken section) of an embodiment of the portable hand-holding type distributor (open on its top) according to manager form of the present invention, and this embodiment has collapsible negotiable bill supply source;

Fig. 8 is the front view (broken section) of another embodiment of the portable hand-holding type distributor (open on its top) according to manager form of the present invention, and this embodiment has rolling negotiable bill supply source;

Fig. 9 is the block scheme according to illustration portable hand-holding type distributor of the present invention;

Figure 10 is the skeleton view according to fixed position of the present invention distributor;

Figure 11 is the block scheme according to illustration of the present invention fixed position distributor;

Figure 12 is the skeleton view according to the special-purpose distributor of reception of the present invention;

Figure 13 is the block scheme that illustration according to the present invention receives special-purpose distributor;

Figure 14 represents that according to the present invention, banking computer is handled the process flow diagram of bill application;

Figure 15 represents to utilize the process flow diagram of application of interactive voice mode and distributing bills according to the present invention;

Figure 16 represents to utilize the process flow diagram of application of interaction data mode and distributing bills according to the present invention;

Figure 17 represents to utilize the process flow diagram of application of nonreciprocal mode and distributing bills according to the present invention;

Figure 18 represents according to the present invention, utilizes to receive special-purpose distributor, receives the bill confirmation request, and the process flow diagram of printing and distributing bills.

As previously mentioned, the invention provides a kind of bank client that allows and to find and to use under the situation of public ATM, from away from the note presenter application of opening bank and receive the system and method for negotiable bill.Note presenter can comprise reception special-purpose distributor, the distributor of fixed position and portable hand-holding type distributor.Receive special-purpose distributor and be designed to the bill that only distribution utilizes another device application.These receive special-purpose distributor and preferably are used in place such as boarding school or institute's dormitory; in perhaps aging or sufferer relatives or friend's the family, in these places, need distributing bills; and seldom need to apply for bill, because bill probably will be from other place application.

The fixed position distributor provides the general distributor of the ability of application and distributing bills.The fixed position distributor can be arranged in the bank client man, buildings (for example commercial office, hotel room, airport, train and bus station), automobile, aircraft, train, motorbus and/or other suitable place arbitrarily.Preferred fixed position distributor also comprises the phone operation pattern that allows the visit telephone bank system.

Be similar to the fixed position distributor, the portable hand-holding type distributor provides the ability of application and distributing bills, in most preferred embodiment, comprises making this distributor can be used as ordinary telephone set, perhaps is used to visit the phone operation pattern of telephone bank system.The size of these portable hand-holding type distributors and weight preferably make it can be by single-hand held easily, and preferably comprise make this distributor can needn't with the battery supply and the wireless telephone that are used under the situation of external power or communication link physical connection.

In order to receive negotiable bill, bank client at first must produce the application about required bill.Can utilize phone, computing machine, fixed position distributor or portable hand-holding type distributor to produce this application.Can utilize interactive mode or nonreciprocal mode to produce this application.Under interactive mode, with voice mode (promptly utilizing voice menu and prompting) or digital form (promptly utilizing data transmission) menu option and prompting are passed to bank client by banking computer.By phone, perhaps by the fixed position distributor or as the portable hand-holding type distributor of phone operation, bank client can receive the menu option and the prompting of transmission sound.By client computer, fixed position distributor or with the portable hand-holding type distributor of electronic method display menu options and prompting on display screen, bank client can receive menu option and the prompting that numeral is transmitted.When these promptings provided, bank client responded each in these promptings, and client's response is handled and organized to banking computer, to form the bill application.

Under the nonreciprocal mode, produce and on display screen, provide menu option and prompting with electronic method by client computer, fixed position distributor or portable hand-holding type distributor.Bank client responds these menu options and prompting subsequently, and handles and organize client's response by client computer, fixed position distributor or portable hand-holding type distributor, to form the bill application.In case formed the bill application, then this bill application be transferred to banking computer from client computer, fixed position distributor or portable hand-holding type distributor.

When the application bill, can require bank client to specify, for example will therefrom obtain the account number of this bill, the PIN(Personal Identification Number) relevant with this account, the bill type (for example cashier's check, draft or traveller's check) of application, bill is worth, kind of currencies (for example dollar, French Franc, mark etc.) with issued notes, bill collector's name, bill collector's address, term of bill, remarks about this bill, the appointment of the note presenter of distribution application bill, the time of distributing this bill for the first time, and/or other any adequate information.On the other hand,, for example, can allow bank client to keep bill and be worth when application during traveller's check, with the kind of currencies of the bill of distribution, bill collector's name, bill collector's address, term of bill, and about any remarks of this unspecified bill.As previously mentioned, selecting not limit the particular note distributor that bank client selects to submit to this bill application aspect the note presenter of appointment, the client can select any required note presenter that can communicate by letter with banking computer.

In case generated application information, then application information is by communication network, for example telephone system integrally (under the nonreciprocal mode) or partly (under interactive mode) be transferred to banking computer.Under the nonreciprocal mode, preferably transmit this application with the form of single continuous data pulse, under interactive mode, the prompting that provides according to banking computer, by voice, Dual Tone Multifrequency tone, perhaps data with form transmission this application of a series of single responses, but also can be used suitable data transmission method arbitrarily.Communication network can comprise wireless telephone, radio or satellite network, to simplify the application from wireless telephone, radio transceiver and portable hand-holding type distributor.Communication network also can comprise computer network, to simplify the application that reaches the portable hand-holding type distributor that links to each other with computer network or the Internet from client computer, fixed position distributor.Dtmf tone transfers application and data transmission request preferably directly from communication network input banking computer.The banking computer terminal that can utilize suitable speech recognition system or utilize the bank clerk that voice application typewriting input is linked to each other with banking computer is voice application input banking computer.

After application was received by banking computer, this application was processed, to determine whether to authorize the bill of distribution application.Whether permission can following factor be the basis, for example apply for the value of bill, available balance in the clients' accounts or deposit, whether bank client has imported real PIN(Personal Identification Number), whether bank can authorize the negotiable bill of distribution designated currency, the quantity of the application of before having made or value, and/or other appropriate standard arbitrarily.After banking computer had determined whether to ratify this application, banking computer transmitted approval or refusal notice to the client subsequently.Preferably substantially immediately the same device by submit applications (for example customer phone, client computer, fixed position distributor, or portable hand-holding type distributor) give the client this notification transmission.For example, in the same call of submit applications, can be by to the prerecording or synthetic audio-frequency information of client playing, perhaps read the notice of banking computer terminal to the client by the bank clerk, provide the notice of response verbal request.

If application goes through, distributing information also is transferred to the special-purpose distributor of reception of appointment, fixed position distributor, perhaps portable hand-holding type distributor from banking computer subsequently.This distributing information comprises payee name, payee address, the face amount of bill, currency type, date of application, term of bill, remarks, the security mechanism such as the digitizing copy of approval code or client's signature, account number, bill type (for example, cashier's check, draft or traveller's check), bill number, must be by the PIN of the payee's input that receives this bill, the date of distributing this bill for the first time, and/or other adequate information arbitrarily.The part (when transmitting this notice with data mode) that this information can be used as approval notification is transmitted, and perhaps is transmitted as independent data transmission.

When the note presenter of appointment is transmitted distributing information, before can transmitting this information, banking computer must at first be set up contact with this note presenter.For example, in the note presenter distributing bills of client's application from appointment, and under this note presenter situation different with the note presenter of the application that is used to submit a ticket, perhaps the client submits a ticket the situation of distribution application from customer phone or client computer under, before the transmission distributing information, banking computer must be set up contact with the note presenter of appointment.Can pass through, for example produce the call based on modulator-demodular unit of replying and set up this writing to each other by the note presenter of appointment by banking computer.

In case distributing information has been transferred to suitable note presenter, then can obey any special instruction, the bill of distribution application about the date that can distribute this bill.When distributing information is transferred to the note presenter of appointment, rather than when being used to submit the device of this bill application to, visit this appointments note presenter, and request distributes before this bill, preferably do not set about distributing this bill the payee who authorizes.The distribution of bill can comprise one of bill deposit receipt of selecting a plurality of pre-printings (that is, specific bill type), and prints on this deposit receipt such as the date, payee name, payee address, face value, currency type, bill type (for example cashier's check, draft or traveller's check), remarks, security mechanism such as the digitizing copy of approval code or client's signature, account number, the information of bill number and so on, and/or other any adequate information.

In some cases, bill can be distributed to someone outside the bank client.For example, father and mother may apply for being distributed to the bill the children of school or spot camping.When bill is distributed to other man-hour outside the bank client, for minimum safe class is provided at least, the distributor in the most preferred embodiment of the present invention can require the possible payee of the negotiable bill that obtains to apply for to input password or PIN(Personal Identification Number).This password or PIN are preferably selected when producing this bill application by bank client, but also can be selected by banking computer before providing approval notification, perhaps can be selected in advance by bank client.

Except distributing immediately the negotiable bill, the recipient of bank client or application bill also can select to postpone the distribution of this bill, till a certain moment in future.In some cases, for example wish to apply for for children outside in advance the week life expense check of halves in university father and mother, but want also to prevent before the date corresponding to every check in this term that children from obtaining under the situation of these checks, this point may be desirable.

Most preferred embodiment of the present invention also allows bank client after the note presenter of appointment receives distributing information, but before bill is distributed, changes the bill application.This change can comprise the cancellation or the modification of bill application.In this time period, bank client can with can submit change request (for example use the dtmf tone that utilizes customer phone to transfer request, perhaps utilize the data transfer request of fixed position distributor) to banking computer to the submit a ticket various same way as of application of banking computer.This change information can comprise any information in the corresponding distributing information, preferably includes account number and bill number.When banking computer receives the change request, banking computer will determine whether to ratify this request.Can whether true based on the PIN(Personal Identification Number) of bank client input, whether the bill of application is distributed, and whether banking computer can set up contact with the appointment distributor, and/or other suitable criterion determines whether to ratify to change to ask arbitrarily.Changing under the situation of asking to be vetoed, will transmit to change to bank client and veto notice.Otherwise, will transmit the change approval notification to this bank client, and transmit change information to the note presenter of appointment.Preferably immediately change notice substantially by submitting to the same device that changes request to transmit to bank client.In identical with distributing information substantially mode change information is sent to the note presenter of appointment, change information can comprise any information in the corresponding distributing information, and preferably includes account number and bill number.In case note presenter receives this change information, then the negotiable bill of application will no longer can be distributed from this note presenter.

Receiving special-purpose distributor, fixed position distributor or portable hand-holding type distributor have been used to after application and/or the distribution negotiable bill, bank client or bill recipient can utilize the Peripheral Interface in each distributor, to personal computer, printer, and/or arbitrarily other suitable device downloads about the application and/or the data of distributing information.These data preferably include all data of transmitting between note presenter and banking computer.In case be downloaded, these data preferably can be used for producing form and bookkeeping input item.

Illustrate a preferred embodiment of the system 30 of application and distribution negotiable bill among Fig. 1.As shown in the figure, system 30 comprises banking computer 32, banking computer terminal 34, bank's phone 36, communication network 40, wireless network 42, customer phone 44, client computer 45 receives special-purpose distributor 46, fixed position distributor 48 and portable hand-holding type distributor 50.In general, the request that receives negotiable bill utilizes customer phone 44 by bank client, client computer 45, and fixed position distributor 48 or portable hand-holding type distributor 50 produce.

When using customer phone 44, bank client can be by voice or by utilizing the button on the customer phone 44 to produce the dtmf tone accent, the application bill.Customer phone 44 can be positioned at all over the world, can be routine call, and perhaps wireless telephone can pass through conventional telephone system, radio telephone system, and/or other any suitable communication network links to each other with banking computer 32 or bank's phone 34.

When using client computer 45, bank client can be by utilizing terminal emulator, web browser, special bank software or other suitable software arbitrarily connect through direct-dial telephone, and computer network connects, the Internet connects, perhaps other any suitable connection sends data transfer request to banking computer 32, the application bill.

When using fixed position distributor 48 or portable hand-holding type distributor 50, when

distributor

48 or 50 just with the phone formal operations, when perhaps operating in the interactive voice mode, bank client can be by voice or by utilizing the button on

distributor

48 or 50 to produce the dtmf tone accent, the application bill.When using fixed position distributor 48 or portable hand-holding type distributor 50, when distributor was operated with nonreciprocal mode or interaction data mode, bank client also can be by sending data transmission from

distributor

48 or 50, the application bill.Fixed position distributor 48 and portable hand-holding type distributor 50 can be by conventional telephone systems, radio telephone system, and computer network connects, and the Internet connects, and/or other suitable communication network links to each other with banking computer 32 or bank's phone 34 arbitrarily.

When producing application,, may also have wireless network 42 to banking computer 32 transmission this application subsequently by communication network 40.Communication network 40 can comprise telephone system, computer network, the Internet, and/or other suitable communication network arbitrarily.Wireless network 42 can comprise radio telephone system, radio communications system, satellite communication system, and/or other suitable cordless communication network arbitrarily.Dtmf tone reconciled data transmission application preferably directly enters banking computer 32 from communication network 40.For utilizing customer phone 44, the voice application that fixed position distributor 48 or portable hand-holding type distributor 50 produce can be imported banking computer 32 to this application by the bank clerk by bank's phone 36 and banking computer terminal 34.Perhaps, can utilize the suitable speech recognition system in the banking computer 32, banking computer 32 is directly imported in the voice application.

After receiving the bill application, banking computer 32 determines whether to ratify this application subsequently.Can be according to the value of application bill, available balance in the clients' accounts or deposit, whether the PIN(Personal Identification Number) of bank client input is true, the number of the application of before having made or value, and/or other suitable criterion is maked decision arbitrarily.In case make decision, by communication network 40, may also have wireless network 42, from banking computer 32 to customer phone 44, client computer 45, fixed position distributor 48 or portable hand-holding type distributor 50 other bank clients send notice.Preferably immediately utilize the same way as of the application that submits a ticket to provide this notice substantially.For example, the voice application for bank client utilizes customer phone 44 to make to the bank clerk by at first this notice being presented on the banking computer terminal 34, makes the bank clerk read this notice to bank client subsequently, can pass to bank client to this notice.

If application goes through, then distributing information also will be delivered to the note presenter of appointment.This distributor can be to receive special-purpose distributor 46 or identical or different fixed position distributor 48, has perhaps submitted the portable hand-holding type distributor of this bill application to.As the situation of approval or rejection notice, distributing information may also have wireless network 42 transmission by communication network 40.

In case received distributing information, can be in the note presenter distributing bills of appointment.In most preferred embodiment of the present invention, can inquire the recipient of this negotiable bill, he may be a bank client also, is to distribute this bill immediately, still distributes this bill after a while again.Most preferred embodiment of the present invention also allow to apply for the bank client (he may not be the predetermined recipient of bill) of bill specify can from note presenter distribute this bill constantly the earliest.

Bank client also can ask to change wait from specifying the bill of note presenter distribution.This change can comprise cancellation or revise bill, and can pass through customer phone 44, client computer 45,

fixed position distributor

48 or 50 applications of portable hand-holding type distributor.Be similar to the bill application, should change request subsequently, may also have wireless network 42 to be transferred to banking computer 42 by communication network 40.As the situation of bill application, can utilize bank's phone 36 and banking computer terminal 34, by the bank clerk change request of making by voice is transferred to banking computer 32.Perhaps, can directly import banking computer to the speech modification request by suitable speech recognition system.

After receiving the change request, the identity of the bank client of this change request is sent in banking computer 32 checkings, and parallel connection means fixed note presenter.If the identity of bank client is verified, and this bill is just being waited for from the

note presenter

46,48 or 50 of appointment and being sent, then banking computer 32 will be to make the customer phone 44 that changes request from it, client computer 45, fixed position distributor 48 or just push away hand-held distributor 50 transmission and change approval notifications, and will be to the

note presenter

46,48 or the 50 transmission change information of appointment.This change information can comprise any information in the corresponding distributing information, and preferably includes account number and bill number.In case the

note presenter

46,48 or 50 in appointment receives change information, then no longer can send corresponding initial bill from this note presenter.But if can not verify the identity of bank client, bill has divided and has sent, and when perhaps banking computer 32 can not be with the

note presenter

46,48 of appointment or 50 contacts, will change the rejection notice to the bank client transmission, and will not cancel or revise this bill application.

Fig. 2,3 and 4 illustrates an embodiment 100 of portable hand-holding type distributor 50.As shown in Figure 2, all component of portable hand-holding type distributor 100 is installed in the housing 103, and housing 103 preferably is made of plastics, but also can be made of aluminium or other any suitable material.What be positioned at housing 103 tops is antenna 102, distribution groove 104 and negotiable bill 106, and what be positioned at housing 103 bottoms is external power source input end and Peripheral Interface connector 118.Antenna 102 is radio-frequency antennas that portable hand-holding type distributor 100 can be communicated by letter with wireless network 42 (Fig. 1), and preferably pliable and tough telescopic.Substituting at portable hand-holding type distributor 100 is configuration antennas 102, portable hand-holding type distributor 100 can comprise a telephone jack (not shown), and this telephone jack can be used for making the wall telephone socket (not shown) of portable hand-holding type distributor 100 and standard to be connected.Distribution groove 104 comprises narrow openings and the jagged edge in the housing 103, bill 106 can pass through this narrow openings, jagged edge preferably by the light metal such as aluminium or arbitrarily other suitable material constitute, and can be used for from portable hand-holding type distributor 100 bill of tearing.Though the groove 104 of distribution shown in the figure is positioned at the top of housing 103, but distribution groove 104 also can be positioned at bottom, anterior, rear portion, perhaps any other appropriate location on the housing 103.Bill 106 can be the negotiable bill of any type, preferably can be identified as the pre-printing of traveller's check, draft or cashier's check, the paper form that the sensible heat formula is printed.For security purpose, bill 106 preferably comprises watermark, micro-printing or other suitable anti-fraud system arbitrarily.

External power source input end 116 can be used for making the mains cord such as 110VAC, the external power of 12VDC automobile cigarette lighter adapter line and so on, and perhaps other suitable external power is connected with portable hand-holding type distributor 100 arbitrarily.Peripheral Interface connector 118 can be used for making portable hand-holding type distributor and the external unit such as computing machine, printer, perhaps other suitable external unit connects arbitrarily, and can be electrical connector, the light connector, the perhaps any connector of other suitable type, the perhaps combination of connector.As mentioned above, this connection can be used for, for example, from portable hand-holding type distributor 100 to computing machine, printer or other suitable device downloads data.

What be positioned at housing 103 front portions is power knob 108, loudspeaker 110, power indicator 112, display 140, keypad 126 and microphone 114.Power knob 108 is used for switching back and forth the power supply of portable hand-holding type distributor 100 between open and closed.When portable hand-holding type distributor 100 is used for into conventional voice telephone calls or when producing call with interactive voice mode application bill, loudspeaker 110 is used to make the user of portable hand-holding type distributor 100 can hear telephone line.Power supply-Kai indicator 112 is used to indicate the power supply status of portable hand-holding type distributor 100, when power supply status when opening, this indicator 112 is illuminated, and low-power light emitting diode (LED) preferably, but also can use other suitable indicator arbitrarily.Display 140 is used for display menu options, and message is provided with, prompting, telephone number, perhaps any other information needed.Display 140 is back-illuminated type LCD (LCD) preferably, but, also can use other suitable display arbitrarily.When portable hand-holding type distributor 100 is used for into conventional voice telephone calls or when producing call with interactive voice mode application bill, microphone 114 is used to make the user of portable hand-holding type distributor 100 to talk to telephone line.

When opening the power supply of portable hand-holding type distributor 100, power indicator 112 will illuminate, and preferably display 140 will provide main-menu option, and according to this main-menu option, bank client can select how to use portable hand-holding type distributor 100.For example, menu option can allow the client that the portable hand-holding type distributor is used as phone, be used to begin the application of interactive voice formula bill, be used to begin the application of non-interactive type bill, be used for the bill of printing stored at portable hand-holding type distributor 100, be used to change application, but also do not have the bill of distribution, the setting that is used to dispose portable hand-holding type distributor 100.As another example, can provide and cash menu option fast, when selecting, by utilizing the data setting in the portable hand-holding type distributor 100, the traveller's check of the predetermined dollar value that the automatic application of this menu option will distribute from portable hand-holding type distributor 100 (perhaps the negotiable bill of other type) arbitrarily.Certainly, under the situation that does not break away from the spirit and scope of the present invention, the client also can adopt other menu option.

Keypad 120 makes the user can control the operation of portable hand-holding type distributor 100.Keypad 120 comprises 1 (" 1 ") key 121,2 (" 2 ", " a ", " b " or " c ") key 122,3 (" 3 ", " d ", " e " or " f ") key 123,4 (" 4 ", " g ", " h " or " i ") key 124,5 (" 5 ", " i ", " k " or " l ") key 125,6 (" 6 ", " m ", " n " or " o ") key 126,7 (" 7 ", " p ", " q ", " r " or " s ") key 127,8 (" 8 ", " t ", " u " or " v ") key 128,9 (" 9 ", " w ", " x ", " y " or " z ") key 129, asterisk (" * ") key 130,0 (" 0 ") key 131, pound sign (" # ") key 132, remove (" clr ") key 133, send key 134, end key 135, select (" sel ") key 136, cursor key (on, down, a left side, right arrow) key 137, and receive (" rcv ") key 138.1-9 and 0 numerical key 121-129 and 131, star key 130 and number sign key 132 can be used for dialing phone number, the choice menus option, other function that these keys are suitable for is carried out in the response prompting.In order to simplify telephone bank system, and the use of other responding system of transferring based on dtmf tone, arbitrary key of pressing among the key 121-132 will produce corresponding D TMF tone on telephone line.For example, in order to ask that bill is sent to portable hand-holding type distributor 100, perhaps arbitrarily

other distributor

46,48 or 50 (Fig. 1), bank client can use portable hand-holding type distributor 100 to send call to telephone bank system, and utilize dtmf tone to transfer the input application information.Clear key 133 can be used for the partly or entirely telephone number of deletion input, and menu item is selected, prompting response, perhaps any out of Memory of user's input.After the user imports telephone number, send key 134 and can be used for beginning call.When exhaling receipts to finish, end key 135 can be used for stopping this call.

Options button 136 can be used for accepting menu item to be selected, and the prompting response is perhaps in case any other adequate information that is transfused to or shows on display 140.Cursor key 137 can be used for handling the menu that can show on the display 140 of portable hand-holding type distributor 100, and preferably one can push along the aspect, upper and lower, left and right, to produce four independently four directionkeys of switch output.When menu is shown, press cursor key 137, can make menu with respect to the highlighted cursor zone scrolling on the display 140.Like this, bank client can highlight, and selects (utilizing options button 136) arbitrary menu option subsequently.At last, in telephone call, when the user prepares to receive data, use to receive built-in modulator-demodular unit in the key 138 startup portable hand-holding type distributors 100.When starting this modulator-demodular unit, preferably stop using loudspeaker 110 and microphone 114, and numerical key 121-129 and 131, star key 130 and number sign key 132 preferably do not produce dtmf tone and transfer.Power knob 108 and key 121-138 be push button preferably, snap switch, but also any suitable switch.

Illustrate the side view of portable hand-holding type distributor 100 among Fig. 3.As shown in Fig. 2 and 3, antenna 102, distribution groove 104, bill 106, power knob 108, loudspeaker 110, power indicator 112, display 140, keypad 120, microphone 114, external power source input end 116 and Peripheral Interface connector 118 are positioned at outside top, front portion and the bottom of the housing 103 of portable hand-holding type distributor 100, and carry out aforementioned functional.In the inside of the housing 103 of portable hand-holding type distributor 100, be electron device 146, battery 144, printer 148, collapsible negotiable bill supply source 142 and bill 106.Electron device 146 provides telecommunication circuit for portable hand-holding type distributor 100, treatment circuit, control circuit, input circuit, output circuit and power circuit preferably include radio-frequency (RF) transceiver, modulator-demodular unit, storer, microprocessor, printer controller, display controller, Audio Controller, keypad controller, Peripheral Interface and power supply.Battery 144 is as the power supply that needs other assembly of electric power in electron device 146 and the portable hand-holding type distributor 100.Battery 144 is nickel metal hydride battery preferably, perhaps nickel-cadmium battery, but also can use the suitable battery of other type arbitrarily, and when charging, can be from the back taking-up of portable hand-holding type distributor 100, so that allow to pack into another battery 144.

Printer 148 is used to print the bill 106 by 100 distributions of portable hand-holding type distributor.Printer 148 comprises printhead 149, positioning head 150, driven roller 151, drive pin 152 and backing plate 153.Printhead 149 is used for printing on bill 106 all, perhaps partial information, and other mark that shows on distributing bills 106.Printhead 149 preferably is maintained fixed the position, and crosses the thermal printing head of bill width.Perhaps, also can use the printhead 149 of other suitable type arbitrarily, and the width of printhead 149 can be less than the overall width of bill 106 and/or under the power of print head drive motor (not shown), can be along one or more track (not shown)s, move along the width of bill 106.Positioning head 150 is used for when when bill supply source 142 is sent bill 106 to it being positioned, so that type information is aimed at arbitrarily pre-stamped mark on the bill 106 arbitrarily.Positioning head 150 is with optical sensor, Magnetic Sensor, mechanical pick-up device or other suitable sensor arbitrarily, and can detect pre-stamped mark on the bill 106, aperture or other suitable designator arbitrarily.

Driven roller 151 and drive pin 152 make it by printhead 149 and by distribution groove 104 from bill supply source 142 mobile tickets 106.Driven roller 151 and drive pin 152 are preferably driven by the low-power motor (not shown), and can be to be used for the arbitrarily suitable mechanical hook-up of mobile ticket 106 as mentioned above.Backing plate 153 is used to keep bill 106 contacts or nestles up printhead 149 and positioning head 150.Backing plate 153 is plastics preferably, and cover the width of bill 106 and length between printhead 149 and the positioning head 150, but also can use other suitable material and size arbitrarily.

Folding bill supply source 142 is used to provide the negotiable bill 106 by 100 distributions of portable hand-holding type distributor.Described as top explanation in conjunction with the negotiable bill among Fig. 2 106, negotiable bill 106 in the folding bill supply source 142 can be the negotiable bill of any type, and preferably can be identified as the pre-printing of traveller's check, draft or cashier's check, the paper form that the sensible heat formula is printed.Because security purpose, negotiable bill 106 preferably comprises watermark, micro-printing or other suitable anti-fraud system arbitrarily.Folding negotiable bill supply source 142 is preferably incorporated negotiable bill 106 in the continuous negotiable bill of continuous length into, and the negotiable bill that links to each other is perforated each other, so that they can be folded into compact lamination.Perhaps,, utilize folding negotiable bill supply source 142 that negotiable bill 106 is provided, in portable hand-holding type distributor 101, can use rolling negotiable bill supply source 154 as shown in Figure 4, perhaps any other suitable bill supply source for as shown in Figure 3.For the negotiable bill supply source 142 or the rolling negotiable bill supply source 154 of packing into folding, the user preferably takes out battery 144 from the back of portable hand-holding type distributor 100, take out any negotiable bill 106 in the distributor 100, new negotiable bill supply source 142 or 154 is inserted in the distributor 100, negotiable bill 106 is manually sent into printer 148, and battery 144 is replaced.

Fig. 5,6,7 and 8 illustrates the alternative 200 of portable hand-holding type distributor 50 of the present invention (Fig. 1).As shown in Figure 5, portable hand-holding type distributor 200 is similar to hand-held manager (organizer), can comprise such as telephone directory, and word processor, the remarks scratch pad, record is forgotten handbook, scheduler, calendar and counter and so on function.Portable hand-holding type distributor 200 comprises upper case portion 203, lower house part 205 and connection upper shell 203 and lower house 205, and the hinge 256 that makes upper shell 203 can be folded each other with lower house 205 and be in the same place (promptly closing) or can open as shown in FIG..Flexible flat cable 257 is inserted in the hinge 256, and the circuit in the upper case portion 203 can be connected with the circuit in the lower house 205.Display 240 is positioned on the inside surface of upper case portion 203.Display 240 is used for the user's display menu options to hand-held distributor 200, prompting and information.Display 240 is back-illuminated type LCD (LCD) preferably, but also can use other suitable display arbitrarily.

Lower house part 205 comprises antenna 202, distribution groove 204, bill 206, external power source input end 216, Peripheral Interface 218 and keypad 220.Antenna 202, distribution groove 204, bill 206, external power source input end 216 and Peripheral Interface connector 218 basically respectively with the top antenna of describing in conjunction with Fig. 2 102, distribution groove 104, bill 106, external power source input end 116 and Peripheral Interface connector 118 are identical.Keypad 220 preferably includes whole letters, the character of digital and complete typewriter type keyboard, and provide as manager or as the control of the operation of the portable hand-holding type distributor 200 of note presenter to the user.Keypad 220 can be the keypad of arbitrarily suitable type, for example membrane keypad.

Illustrate the top of the upper case portion of portable hand-holding type distributor 200 among Fig. 6.As shown in the figure, the top of upper case portion 203 comprises when housing parts 203 and 205 (Fig. 5) is in the closed position, makes portable hand-holding type distributor 200 can be used as the assembly of phone.These assemblies comprise power knob 208, loudspeaker 210, power indicator 212, keypad 219, microphone 214 and display 241.Power knob 208, loudspeaker 210, power indicator 212, keypad 219 and microphone 214 basically respectively with top power knob 108 in conjunction with Fig. 2 explanation, loudspeaker 110, power indicator 112, keypad 120 and microphone 114 are identical.When portable hand-holding type distributor 200 was used as phone or note presenter, display 241 was used to show telephone number, menu option, prompting and any other adequate information.Display 241 is back-illuminated type LCD (LCD) preferably, but also can use other suitable display arbitrarily.Though these assemblies are included in the top of upper case portion 203 shown in the figure, but can be included in these assemblies in the bottom of lower house part 205 on the other hand.With regard to this realization, battery 244 (being illustrated among Fig. 7) preferably is arranged in upper case portion 203.

Fig. 7 illustrates the side view of portable hand-holding type distributor 200, has represented upper case portion 203, display 240, lower house part 205, keypad 220 and bill 206.As shown in the figure, lower house part 205 comprises electron device 246, collapsible ticket offerings source 242, bill 206, printer 248 and battery 244.Electron device 246, collapsible bill supply source 242, bill 206, printer 248 and battery 244 basically respectively with top electron device 146 in conjunction with Fig. 3 explanation, folding bill supply source 142, bill 106, printer 148 and battery 144 are identical.Replace utilizing collapsible bill supply source 242 that bill 206 is provided as shown in Figure 7, can use rolling bill supply source 254 as shown in Figure 8 in the portable hand-holding type distributor 200, perhaps any other suitable bill supply source.For collapsible bill supply source 242 or the rolling bill supply source 254 of packing into, the user preferably takes out battery 244 from the bottom of portable hand-holding type distributor 200, take out any bill 206 in the distributor 200, new bill supply source 242 or 254 is inserted distributor 200, bill 206 printer 248 of manually packing into, and battery 244 replaced.

Though Fig. 2-8 illustrates the portable hand-holding type distributor 100 and 200 that is similar to portable phone and personal organizers in form, can realize the present invention with the form that makes bank client can apply for and distribute any apparatus of negotiable bill.For example, portable hand-holding type distributor 100 and 200 can be embodied as palmtop computer, laptop computer, and based on the pocket computer of light pen, perhaps any other suitable mancarried electronic aid.

Fig. 9 has represented the block scheme of the most preferred embodiment of portable hand-holding type distributor 100.Though what Fig. 9 represented is that portable hand-holding type is distributed along 100, but this block scheme is usually also applicable to portable hand-holding type distributor 200.As shown in the figure, portable hand-holding type distributor 100 comprises antenna 102, electron device 146, printer 148, display 140, loudspeaker 110, microphone 114, keypad 120, Peripheral Interface connector 118, power indicator 112, battery 144, power knob 108 and external power source input end 116.In conjunction with Fig. 2 and 3 these assemblies have been described above.More particularly, electronic package 146 comprises radio frequency (RF) transceiver 172, modulator-demodular unit 173, storer 174, microprocessor 175, printer controller 176, display controller 177, Audio Controller 178, keypad controller 179, Peripheral Interface 180, power supply 181, data/address bus 182, power bus 184 and audio-frequency bus 183.

Central authorities' control of electron device 146 is realized by microprocessor 175.Microprocessor 175 executive softwares instructions, this software instruction make microprocessor 175 can receive input from other assembly in the electron device 146, handle these inputs, and output is sent to other assembly in the electron device 146.Microprocessor 175 can be any suitable microprocessor, microcontroller, and perhaps other can receive input arbitrarily, handles these inputs, and produces the device of output.Storer 174 is used to other component stores data and software of microprocessor 175 and electron device 146.Storer 174 can comprise random access memory (RAM), ROM (read-only memory) (ROM), programmable read-only memory (prom), Erasable Programmable Read Only Memory EPROM (EPROM), EEPROM (Electrically Erasable Programmable Read Only Memo) (EEPROM), flash memory, and/or other suitable storer, the perhaps combination of storer arbitrarily.

The input that keypad controller 179 monitors from keyboard 120 cushions these inputs, and when these inputs have been received, produces interruption to microprocessor 175.Audio Controller 178 control sends to the audio output signal of loudspeaker 110, and the audio input signal that receives from microphone 114.Audio frequency output and input signal can send between Audio Controller 178 and RF transceiver 172 by audio-frequency bus 183.Audio frequency output and input signal also can send between Audio Controller 178 and microprocessor by address/data bus 182.Output of these audio frequency and input signal can be the telephone conversation signals, dtmf tone accent, perhaps indicator tone, and/or other sound signal arbitrarily.The input that display controller 177 receives from microprocessor 175, and driving display 140.The input that printer controller 176 receives from microprocessor 175, and 148 feedings of control printer, location and printed tickets 106 (Fig. 2-4).

RF transceiver 172, modulator-demodular unit 173 and Peripheral Interface 180 all make electron device 146 can with external device communication.RF transceiver 172 is combinations of transmitter and receiver, and electron device 146 can be communicated by letter with wireless network 42 (Fig. 1).This wireless network 42 (Fig. 1) can be a cell phone system, radio net, satellite communication network, perhaps other suitable cordless communication network, the perhaps combination of these networks arbitrarily.Replace having the electron device 146 of RF transceiver 172, electron device 146 can have the telephone transceiver (not shown), this phone receiver makes electron device 146 can pass through the telephone jack (not shown), link to each other with telephone line, by the telephone line communication of standard, telephone jack will replace antenna 102.

Modulator-demodular unit 173 makes the electron device 146 can be to banking computer 32 (Fig. 1), other computing machine, and network access server, facsimile recorder and other modulator-demodular unit compatible equipment transmission data arbitrarily, and receive data from the said equipment.Modulator-demodular unit 173 is 56K baud modulator-demodular unit preferably, but can use other suitable modulator-demodular unit arbitrarily.Modulator-demodular unit 173 is communicated by letter with RF transceiver 172 by audio-frequency bus 183 and is communicated by letter with microprocessor 175 by address/data bus 182.

By Peripheral Interface connector 118, Peripheral Interface 180 make electron device 146 can and external printer, computing machine, and any other suitable devices communicating.Peripheral Interface 180 is serial line interface preferably, but can use parallel interface, optical interface, perhaps other suitable interface, the perhaps combination of interface arbitrarily.

At last, power supply 181 provides power rectifier and adjusting, power monitoring, and microprocessor 175 monitors, power knob 108 monitor, and power indicator 112 drives function.Power supply 181 provides electric power by power bus 184 for each electronic circuit of portable hand-holding type distributor 100.Power supply 181 receives electric power from battery 144 and/or external power source input end 116.When pressing power knob 108, the input of power supply 181 buffering reduces (depression), and the power state of portable hand-holding type distributor 100 is set at appropriate state, and correspondingly illuminates or extinguish power indicator 112.When closing electric power, power supply 181 request microprocessors 175 are carried out the power down instructions sequence.

Illustrate a preferred embodiment 300 of fixed position distributor 48 among Figure 10.As shown in the figure, fixed position distributor 300 comprises display 340, keypad 320, power knob 308, power indicator 312, receiver 361, Peripheral Interface connector 318, external power source input end 316, telephone jack 358, telephone line flexible cord 359, distribution groove 304 and bill 306.Display 340 is used for providing menu option to the user of fixed position distributor 300, prompting, telephone number, and/or other suitable information arbitrarily.Display 340 is the back-illuminated type LCD preferably, but can use any suitable display.Keypad 320, power knob 308, power indicator 312, distribution groove 304, bill external power source input end 316 and Peripheral Interface connect 318 basically respectively with the top keypad of describing in conjunction with Fig. 2 120, power knob 108, power supply written instructions device 112, distribution groove 104, bill 106, external power source input end 116 and Peripheral Interface connector 118 are identical.Receiver 361 makes the user can be with the formal operations fixed position distributor 300 of phone.Be similar to conventional telephone receiver, receiver 361 comprises microphone (not shown) and loudspeaker (not shown).Telephone jack 358 is used for the wall telephone socket of fixed position distributor 300 and standard is linked to each other with telephone line flexible cord 359, and can be any suitable telephone jack and circuit flexible cord.

Illustrate the block scheme of fixed position distributor 300 among Figure 11.As shown in the figure, fixed position distributor 300 (Figure 10) comprises electron device 346, telephone jack 358, printer 348, display 340, receiver 361, keypad 320, Peripheral Interface connector 318, power indicator 312, power knob 308 and external power source input end 316.In conjunction with Figure 10 telephone jack 358 has been described above, display 340, receiver 361, keypad 320, Peripheral Interface connector 318, power indicator 312, power knob 308 and external power source input end 316.Printer 348 fundamental sum fronts are identical with the printer 148 of 9 explanations in conjunction with Fig. 3.Electron device 346 comprises telephone transceiver 385, modulator-demodular unit 373, storer 374, microprocessor 375, printer controller 376, display controller 377, Audio Controller 378, keypad controller 379, Peripheral Interface 380 and power supply 381.Modulator-demodular unit 373, storer 374, microprocessor 375, printer controller 376, display controller 377, keypad controller 379 and Peripheral Interface 380 basically respectively with the modulator-demodular unit 173 of front in conjunction with Fig. 9 explanation, storer 174, microprocessor 175, printer controller 176, display controller 177, keypad controller 179 and Peripheral Interface 180 are identical.By through an audio-frequency bus 383, send to Audio Controller 378, perhaps the sound signal that receives from Audio Controller 378 changes the signal with the telephone system compatibility into, and telephone transceiver 385 makes fixed position distributor 300 (Figure 10) can play phone.Telephone transceiver 385 links to each other with telephone system with telephone jack 358 by modulator-demodular unit 373.Except in fixed position distributor 300 (Figure 10), Audio Controller 378 links to each other with receiver 361 (it comprises loudspeaker and microphone), rather than as shown in Figure 9, independently loudspeaker 110 is with outside microphone 114 links to each other, and the Audio Controller 378 in the fixed position distributor 300 (Figure 10) divides the Audio Controller 178 in the device 100 (Fig. 2-4) identical with the front in conjunction with the portable hand-holding type that Fig. 9 describes basically.Except in fixed position distributor 300 (Figure 10), 381 of power supplys receive electric power from external power source input end 316, and not outside battery 144 reception electric power as shown in Figure 9, power supply 381 is also identical in conjunction with the power supply 181 in the portable hand-holding type distributor 100 (Fig. 2-4) of Fig. 9 explanation with the front basically.

Figure 12 illustrates an embodiment who receives special-purpose distributor 400 (Fig. 1).As shown in the figure, receive special-purpose distributor 400 and comprise the housing 403 that all component that receives special-purpose distributor 400 is housed.Housing 403 preferably is made of plastics, but also can use aluminium or other suitable material arbitrarily.Being positioned on the front surface 462 of housing 403 is power knob 408, power indicator 412, bill receiver-indicator 465, display 440 and keypad 420.Power knob 408 is identical with power indicator 112 in conjunction with the power supply ammonium button 108 of Fig. 2 explanation with the front respectively basically with power indicator 412.Bill receiver-indicator 465 is used for having one or more bills can distribute by receiving special-purpose distributor 400 at any time to bill recipient indication.Display 440 is used for to receiving special-purpose distributor 400 display menu options, prompting and information.Display 440 is the back-illuminated type LCD preferably, but also can use other suitable display arbitrarily.Keypad 420 is used to control the operation that receives special-purpose distributor 400, comprises numerical key 421-429 and 431, star key 430, number sign key 432, printing key 466, OK key 467 and clear key 468.Numerical key 421-429 and 431, star key 430 and number sign key 432 basically respectively with the numerical key 121-129 and 131 of front in conjunction with Fig. 2 explanation, star key 130 and number sign key 132 are identical.Printing key 466 is used to notify distributor 400, and the user wishes to print the bill of reception.Usually the user will press this key, the bill receiver-indicator 465 that is illuminated with response.OK key 467 is used to indicate the user to wish to be received in the current input item that shows on the display 400, menu option or prompting response.Clear key 468 is used for the input item of demonstration on all or part of removing display 400.

Left surface 463 at the housing 403 that receives special-purpose distributor 400 is distribution groove 404 and bill 406.Distribution groove 404 is identical with bill 106 in conjunction with the distribution groove 104 of Fig. 2 explanation with the front respectively basically with bill 406.On the back side 464 of the housing 403 that receives special-purpose distributor 400 is telephone jack 458, telephone line flexible cord 459, external power source input end 416 and Peripheral Interface connector 418.Telephone jack 458 is used to be connected the wall set socket that receives special-purpose distributor 400 and standard with electrical wiring flexible cord 459, can be any suitable telephone jack and circuit flexible cord.External power source input end 416 makes and receives special-purpose distributor 400 and external power source, 110VAC wall socket for example, and the DC transformer, perhaps other suitable power supply links to each other arbitrarily.Be similar to the Peripheral Interface connector 418 of front, be used to make receive special-purpose distributor 400 and such as printer in conjunction with the connector 118 of Fig. 2 explanation, the external unit of computing machine and so on, perhaps other suitable external unit links to each other arbitrarily.

Figure 13 illustrates the block scheme that receives special-purpose distributor 400.As shown in the figure, receive special-purpose distributor 400 and comprise electron device 446, telephone jack 458, external power source input end 416, power knob 408, power indicator 412, Peripheral Interface connector 418, keypad 420, display 440 and printer 448.In conjunction with Figure 12 telephone jack 458 has been described above, external power source input end 416, power knob 408, power indicator 412, Peripheral Interface connector 418, keypad 420 and display 440.Printer 448 is identical with the printer 148 of 9 explanations in conjunction with Fig. 3 with the front basically.Electron device 446 comprises modulator-demodular unit 473, storer 474, microprocessor 475, printer controller 476, display controller 477, keypad controller 479, Peripheral Interface 480 and power supply 481.Modulator-demodular unit 473 is used to make electron device 446 can pass through telephone jack 458 and computing machine, network access server and any other suitable devices communicating.Storer 474, microprocessor 475, printer controller 476, display controller 477, keypad controller 479 and Peripheral Interface 480 basically respectively with the storer 174 of front in conjunction with Fig. 9 explanation, microprocessor 175, printer controller 176, display controller 177, keypad controller 179 and Peripheral Interface 180 are identical.Power supply 481 provides power rectifier and adjusting, power monitoring, and microprocessor 175 monitors, power knob 408 monitor, and power indicator 412 drives function.Power supply 481 provides electric power by power bus 484 for each electronic circuit that receives special-purpose distributor 400 (Figure 12).Power supply 481 receives electric power from external power source input end 416.When pressing power knob 408, the input of power supply 481 buffering reduces (depression), and the power state of the special-purpose distributor 400 of reception (Figure 12) is set at appropriate state, and correspondingly illuminates or extinguish power indicator 412.When closing electric power, power supply 481 request microprocessors 475 are carried out the power down instructions sequence.

Illustrate the banking computer program 500 of operation in banking computer 32 (Fig. 1) among Figure 14.As shown in the figure, in case begun banking computer program 500 in step 502, then in step 504, program 500 is waited for and is received from customer phone 44 client computer 45, the bill application call of fixed position distributor 48 or portable hand-holding type distributor 50.After receiving call, program 500 determines at testing procedure 506 whether this calling is interactive the calling.Under interactive call case, by menu option and the prompting that response banking computer 32 (Fig. 1) produces, bank client produces the bill application.Under the non-interactive type call case, connecting banking computer 32 (Fig. 1) before, bank client generates the bill application, and connects banking computer 32 (Fig. 1) subsequently, to transmit the application that generates.Call out whether be interactive judgement of calling out can be partly based on the type of receipt of call.By customer phone 44 (Fig. 1), perhaps call out and dtmf tone accent response calling by the voice response of fixed position distributor 48 that just plays the phone effect or portable hand-holding type distributor 50 (Fig. 1) beginning, be interactive the calling.

Can there be modulation-demodulation signal in program 500 by detecting in several leading second after calling is received on the telephone line, determining to call out is that voice response is called out or dtmf tone transfers response to call out.For example utilize dumb terminal or explorer, the calling of sending from client computer 45 (Fig. 1) also is interactive the calling.In these cases, though in several leading second after calling is received, may there be modulation-demodulation signal on the telephone line, but by in several leading second of each call, do not receive additional signal, for example special non-interactive type indicator data bag, program 500 can determine that these callings are interactive callings.According to the specific software that provides in the calling device (or hardware), from client computer 45, other calling of fixed position distributor 48 or portable hand-holding type distributor 50 (Fig. 1) or interactive the calling, or non-interactive type is called out.In these cases,, whether receive additional signal according in several leading second of each call, for example special non-interactive type indicator data bag, program 500 can determine that also these callings are interactive callings or the non-interactive type calling.

If at testing procedure 506, determine that calling is not interactive the calling, then program 500 receives the bill application in step 508 with digital form.In case this application is received, program 500 determines whether the bill ratifying to apply in step 510, and notifies the client determination result.Can be according to value such as the application bill, available balance in the clients' accounts or deposit, bank client input PIN(Personal Identification Number) whether true, and before factors such as the number of the application made or value determine whether to ratify this application.If determine to disapprove this application at testing procedure 510, then program 500 stops this calling in step 514, and returns step 504, waits for more call.But if determine approval this application at testing procedure 510, then program 500 is at the note presenter transmission distributing information of step 512 to appointment.This note presenter can be the special-purpose distributor 46 of any reception that can communicate by letter with banking computer 32, fixed position distributor 48, perhaps portable hand-held distributor 50 (Fig. 1).

If determine that at testing procedure 506 this calling is interactive the calling, then program 500 provides interactive menu or prompting in step 516 to bank client.Respond this menu or prompting, in step 518, the client imports response, and banking computer 32 (Fig. 1) receives this response.After step 518 was received, program 500 determined at testing procedure 520 whether the client has finished menu and prompting response in each response.If the client does not also finish menu or prompting response, then program 500 is returned step 516, provides more menu or prompting to the client.Otherwise program 500 enters testing procedure 524, determines whether the client has applied for bill.If program 500 determines that at testing procedure 524 client does not apply for bill, then program finishes this call in step 514, and returns step 504, waits for and receive other call.

But if program 500 determines that at testing procedure 524 clients have made the bill application, then program 500 is transferred to testing procedure 510, determines whether the bill ratifying to apply for, and notifies the client determination result.If the bill of approval application, then program 500 is at the note presenter transmission distributing information of step 512 to appointment.Be preferably in the bill application that bank client submits to and point out the note presenter of appointment, but also can use the note presenter of acquiescence to specify.In case transmitted distributing information in step 512, if perhaps testing procedure 510 determines to disapprove the bill of application, then program 500 stops this call in step 514, and returns step 504, waits for another calling.

To just be used as phone be in fixed position distributor 48 under the interactive voice mode or portable hand-holding type distributor 50 (Fig. 1) transmission distributing information before, step 512 must the presenting bank client starts modulator-demodular unit in the distributor 48 or 50 (Fig. 1) by pressing " reception " key 138 (Fig. 2) or 338 (Figure 10).Equally, when to the note presenter of appointment transmission distributing information, before can transmitting this information, banking computer must at first be set up and the writing to each other of the note presenter of appointment.For example, in client requests from the note presenter distributing bills, and this note presenter is not to be used to submit a ticket under the situation of note presenter of application, perhaps the client submits a ticket the situation of application from customer phone or client computer under, before the transmission distributing information, banking computer must be set up and the writing to each other of the note presenter of appointment.

Illustrate the interactive voice formula program 550 in fixed position distributor 48 or the portable hand-holding type distributor 50 (Fig. 1) among Figure 15.Interactive voice formula program 550 can be activated by selecting interactive voice mode menu option the main-menu option of bank client on distributor 48 or 50.As shown in the figure, in case begin this interactive voice formula program in step 552, in step 554, bank client sends call to banking computer 32 (Fig. 1).When the master menu from distributor 48 or 50 (Fig. 1), select, during with startup interactive voice formula bill application option, can send this calling automatically, perhaps when distributor 48 or 50 (Fig. 1) is used as phone, can manually send this calling.In case banking computer 32 (Fig. 1) receives this calling, then this computing machine will produce a series of menu options and prompting, and in step 556, the client will listen to and respond these menu options and prompting.Can utilize recording, synthetic speech or bank clerk's speech provides these options and prompting.For example, a menu can give the selection that the client listens to his or her account balance or application draft.As another example, prompting can require the client to import his or her account number, his or her PIN, and the payee's who from payee's menu, chooses number, the amount of money that show on bill is from the currency type that the currency type menu is chosen, the date of payment etc.

In order to respond these options and prompting, for example, bank client can be pressed the numerical key 121-129 and 131 on the portable hand-holding type distributor 100 (Fig. 2), and any key in star key 130 or the number sign key 132 (Fig. 2) produces corresponding D TMF tone.Can perhaps only import necessary numerical digit (omission leading zero) by input indicated number purpose numerical digit, import number sign key 132 (Fig. 2) afterwards, finish each response.When input alphabet, the client can be apace continuously the numeral input pre-determined number corresponding to the letter on the numerical key 121-129 (Fig. 2).For example, import " c ", the client can press 2 keys 122 4 times, import " b ", and the client can press 2 keys 122 3 times, import " a ", and the client can press 2 keys, 122 secondaries, import " 2 ", and the client can press 2 keys 122 once.Replace utilizing dtmf tone to transfer in the row response, client's bankable bill office worker or the suitable speech recognition system that is included in the banking computer 32 (Fig. 1) are submitted voice response to.

When bank client and banking computer 32 (Fig. 1) reciprocation, reception key and end key that program 550 monitors on the distributor 48 or 50 (Fig. 1) at testing procedure 558.All be not pressed if receive key or end key, then program 550 is returned step 556, allows bank client to listen to preceding more menu option of response and prompting.If end key is pressed, then program 550 stops in step 560.If the client has pressed the reception key, may respond the indication from banking computer 32 (Fig. 1), in step 562, distributor 48 or 50 (Fig. 1) starts its modulator-demodular unit, receive distributing information in step 564 from banking computer 32 (Fig. 1), and in step 566 in conjunction with this calling.Receiving distributing information, and after this calling finished, at step 568 and testing procedure 570, distributor 48 or 50 (Fig. 1) prompting and definite client were the bills of wishing to print now application, still print after a while again.If determine that the client wishes present printing, then print and distribute the bill of application in step 574.Otherwise,, print after being convenient at the distributing information of step 572 storage application bill.At the bill of step 574 distribution application, perhaps in step 576 storage distribution information, so that after printing later on, program 550 stops in step 560.

Figure 16 illustrates the interaction data mode program 600 of fixed position distributor 48 or portable hand-holding type distributor 50 (Fig. 1).Interaction data mode program 600 can start by choosing interaction data mode menu option the main-menu option of bank client from distributor 48 or 50 (Fig. 1).In case at step 602 start program 600, the then modulator-demodular unit of program 600 in step 604 startup distributor 48 or 50 (Fig. 1), and calling banking computer 32 (Fig. 1).After the calling of setting up, meet 32 (Fig. 1) in step 606 from banking computer and receive data banking computer 32 (Fig. 1).These data can be menu informations, information, Request Notices information, distributing information, and/or other adequate information arbitrarily.Program 600 determines at testing procedure 608 whether this information is menu or information subsequently.If it is menu or information that these data are determined, then in step 610, shows this menu or prompting, and, receive response, and give banking computer 32 (Fig. 1) this response transmission from the client in step 612.In case this response is transferred to banking computer 32 (Fig. 1), then program 600 is returned step 606, to receive more data from banking computer 32 (Fig. 1).

If determine that at testing procedure 608 these data are not menu or information, then program 600 determines at testing procedure 614 whether bank client has applied for bill.If determine that at testing procedure 614 client does not also apply for bill, then finish this calling in step 616, and at step 618 terminator 600.If determine that the client has applied for bill, then program 600 determines at testing procedure 620 whether this application goes through.If this application does not go through, then notify the client in step 622, in step 616 terminated call, and at step 618 terminator 600.Otherwise if determine that at testing procedure this application goes through, then program 600 is the bill of wishing to print now application step 624 query user, still prints after a while again.If the present printed tickets of customer selecting is then printed and is distributed this bill in step 628.Otherwise, if customer selecting is printed this bill after a while, then at the distributing information of step 626 preservation about this bill.In case printed this bill in step 628, perhaps preserved distributing information in step 626, then at step 618 terminator 600.

Illustrate the noninteractive program 650 of fixed position distributor 48 or portable hand-holding type distributor 50 (Fig. 1) among Figure 17.Can start noninteractive program 650 by selecting the noninteractive program menu option the master menu from distributor 48 or 50 (Fig. 1) or cashing (cash) menu option fast.In case at step 652 start program 650, then menu and prompting are provided for bank client, and step 654, the client imports the required information of bill application that produces.In case generated this bill application, the then modulator-demodular unit of program 650 in step 656 startup distributor 48 or 50 (Fig. 1), and calling banking computer 32 (Fig. 1).After writing to each other between banking computer 32 and distributor 48 or 50 (Fig. 1) set up, in step 658, the bill application was transferred to banking computer 32 (Fig. 1), and in the response of distributor 48 or 50 (Fig. 1) reception to this bill application.This response can comprise the rejection notice, or approval notification and/or distributing information.When receiving this response, in step 660 terminated call.

Be terminated in case call out, then program 650 determines according to this response whether the bill application is granted at testing procedure 662.If determine that at testing procedure 662 this application do not go through, then program 650 is vetoed the result notification bank client at step 664 handle, and at step 672 terminator 650.Otherwise if determine that at testing procedure 662 this application goes through, then program 650 determines that at testing procedure 666 client is the bill of wishing to print now application, still wishes to print after a while again.If determine the bill that bank client wishes to print after a while application, then preserve the distributing information of this bill, so that print after a while in step 668.Otherwise, if the bill of application is then printed and distribute to the bill that definite bank client wishes to print now application in step 670.In case preserve distributing information in step 668, perhaps print this bill in step 670, then at step 672 terminator 650.

Illustrate among Figure 18 and receiving special-purpose distributor 46, reception and the distributing programs 700 carried out in fixed position distributor 48 or the portable hand-holding type distributor 50 (Fig. 1).As shown in the figure, in case program 700 is in step 702 beginning, then program 700 will be in the calling of distributor 46,48 or 50 (Fig. 1) reception in step 704 wait, perhaps wait for the print button that to be pressed, perhaps go up the menu option of selecting at distributor 46,48 or 50 (Fig. 1).In case receive calling, perhaps chosen print button or menu option, then program 700 determines whether to receive at testing procedure 706 and calls out or print request.If determine to have received calling, then program 700 starts modulator-demodular unit among distributor 46,48 or 50 (Fig. 1) in step 708, and replys this calling.In case this calling is replied, then program 700 receives data from banking computer 32 (Fig. 1) in step 710, and finishes this calling in step 712.After calling was terminated, program 700 illuminated the bill receiver-indicator or goes up presentation of bill reception message at distributor 46,48 or 50 (Fig. 1), and returns step 704, to wait for received another calling, perhaps waits for print request.

But, if determine not receive calling at testing procedure 706, then program 700 is the user (this user can be bank guest room or bill recipient) of step 716 about bill identifying information and password prompt distributor 46,48 or 50 (Fig. 1), and receives bill identifying information and password.The bill identifying information is used for discerning the required bill in a plurality of bills that its distributing information may be stored in particular dispensed device 46,48 or 50 (Fig. 1).This bill identifying information can comprise the arbitrary distributing information that is transferred to distributor 46,48 or 50 (Fig. 1) from banking computer 32 (Fig. 1), and preferably includes account number and bill number.After inputing bill identifying information and password, program 700 determines at testing procedure 718 whether this password is correct.This can be by the password of input be included in password in the corresponding distributing information that is stored among distributor 46,48 or 50 (Fig. 1) or PIN compares and realizes.If determine that password is correct, then print the bill of application, and it is distributed to the user in step 720.In case at the bill of step 720 distribution application, if perhaps determine the password bad of input at testing procedure 718, then program is returned step 704, waits for another calling or print request.

Like this, the system and method for a kind of application and distribution negotiable bill is provided, by this system and method, bank client can utilize the application of portable hand-holding type distributor and receive negotiable bill, and by this system and method, bank client can install the negotiable bill of printing and distributing from another from a device application.Understand that above stated specification only is used to illustrate principle of the present invention, under situation about not departing from the scope of the present invention with spirit, those skilled in the art can make various modifications, and scope and spirit of the present invention are only limited by following claim.

Claims

1. A system usable by customers of a bank to apply for and distribute negotiable instruments, said system comprising:

bank computer;

a communication network connected to said bank computer;

a device in communication with said bank computer over said communications network and used by a bank customer to submit a negotiable instrument application to said bank computer, said application including a dispenser designation not designating said device; and

a note dispenser in communication with the bank computer via the communication network, designated by the dispenser, and receiving information from the bank computer enabling the note dispenser to dispense negotiable instruments.

2. The system of claim 1, wherein said device is a client telephone.

3. The system of claim 1, wherein the device is a client computer.

4. The system of claim 1, wherein said device is a fixed location dispenser.

5. The system of claim 1, wherein said device is a portable hand-held dispenser.

6. The system of claim 1, wherein said ticket dispenser is a recipient-only dispenser.

7. The system of claim 1, wherein said ticket dispenser is a fixed location dispenser.

8. The system of claim 1, wherein said ticket dispenser is a portable hand-held dispenser.

9. A system usable by customers of a bank to apply for and distribute negotiable instruments, the system comprising:

means used by bank customers to generate and submit voice requests for negotiable instruments;

communication networks; and

A bank computer connected to said communications network, communicating with said device via said communications network, and receiving and processing said voice requests for negotiable instruments.

10. The system of claim 9, wherein said device is also operable to receive information from said bank computer enabling said device to dispense negotiable instruments.

11. The system according to claim 9, further comprising a bill dispenser, said bill dispenser communicating with said bank computer via said communication network, and receiving from said bank computer enabling said bill dispenser to distribute Bill information.

12. The system of claim 9, wherein said bank computer receives said voice request through a voice recognition system associated with said bank computer.

13. The system according to claim 9, wherein said bank computer receives said voice request through an entry entered by a bank clerk into a terminal connected to said bank computer, and the bank clerk maintains communication with the bank computer.

14. The system of claim 9, wherein said device is a client phone.

15. The system of claim 9, wherein said device is a fixed location dispenser operating in a telephone-operated mode.

16. The system of claim 9, wherein said device is a portable hand-held dispenser that operates in a telephone-operated manner.

17. A system usable by customers of a bank to apply for and distribute negotiable instruments, the system comprising:

A device used by bank customers to generate and submit DTMF tone requests on negotiable instruments;

communication networks; and

A bank computer connected to said communications network, communicating with said device via said communications network, and receiving and processing said DTMF tone requests for negotiable instruments.

18. The system of claim 17, wherein said means is also adapted to receive information from said bank computer enabling said means to dispense negotiable instruments.

19. The system of claim 17, further comprising a note dispenser in communication with said bank computer via said communication network and receiving information from the bank computer enabling it to dispense negotiable instruments.

20. The system of claim 17, wherein said device is a client phone.

21. The system of claim 17, wherein said device is a fixed location dispenser operating in a telephone-operated mode.

22. The system of claim 17, wherein said device is a portable hand-held dispenser that operates in a telephone-operated mode.

23. A system operable to apply for and distribute negotiable instruments, said system comprising:

bank computer;

a communication network connected to said bank computer; and

a note dispenser which communicates with the bank computer via the communication network, receives from the bank computer distribution information enabling it to distribute negotiable notes, and receives from the bank computer the information that controls the note dispenser How to handle the change information of the distribution information.

24. The system of claim 23, wherein said change information renders said instrument dispenser incapable of dispensing negotiable instruments.

25. The system of claim 23, wherein said change information modifies an entry of said distribution information.

26. A system operable to apply for and distribute negotiable instruments to instrument recipients, the system comprising:

bank computer;

a communication network connected to said bank computer; and

a note dispenser that communicates with the bank computer via the communication network, receives distribution information from the bank computer enabling it to distribute negotiable notes, and allows recipients to , to postpone the distribution of negotiable instruments for a period of time.

27. A portable hand-held dispenser enabling bank customers to apply for and distribute negotiable instruments, said dispenser comprising:

a radio frequency transceiver capable of receiving distribution information about negotiable instruments from a bank computer via a wireless communication link;

a microprocessor, the microprocessor is connected to the radio frequency transceiver, receives the distribution information from the radio frequency transceiver, and generates printing information according to the distribution information;

a printer, the printer is connected to the microprocessor, receives the printing information from the microprocessor, and when receiving the printing information from the microprocessor, prints a negotiable note;

a battery that provides power to the microprocessor, the radio frequency transceiver and the printer;

A dispenser housing that houses the radio frequency transceiver, the microprocessor, the printer, and the battery and is of a size and weight such that a bank customer can carry the dispenser with one hand.

28. The portable hand-held dispenser of claim 27, further comprising a keypad connected to said microprocessor and enabling bank customers to submit telephone mode commands to said microprocessor, wherein when said microprocessor Said microprocessor causes said portable hand-held dispenser to function as a telephone when said telephone mode command submitted by a bank customer via said keypad is received by said microprocessor.

29. The portable hand-held dispenser of claim 27, further comprising a peripheral interface for transferring data from said portable hand-held dispenser to an external device.

30. A method of applying for and distributing a negotiable instrument, the method comprising:

using a device to generate at least a portion of a negotiable instrument application, wherein said at least a portion of the application includes a designation of a designated instrument dispenser other than said device generating the application;

submitting said at least a portion of the application from said device to a bank computer via a communications network; and

Information enabling the designated instrument dispenser to dispense negotiable instruments is received at the designated instrument dispenser from the bank computer via the communication network.

31. The method of claim 30, wherein said device is a client telephone.

32. The method of claim 30, wherein said device is a client computer.

33. The method of claim 30, wherein said device is a fixed location dispenser.

34. The method of claim 30, wherein said device is a portable hand-held dispenser.

35. The method of claim 30, wherein said ticket dispenser is a recipient-only dispenser.

36. The method of claim 30, wherein said ticket dispenser is a fixed location dispenser.

37. The method of claim 30, wherein said ticket dispenser is a portable hand-held dispenser.

38. A method of applying for and distributing a negotiable instrument, the method comprising:

using a device to generate and submit to a bank computer a voice request for a negotiable instrument through a communication network; and

Said voice requests for negotiable instruments are received and processed.

39. The method of claim 38, further comprising receiving at said device from said bank computer information enabling said device to dispense negotiable instruments.

40. The method of claim 38, further comprising, at an instrument dispenser in communication with said bank computer via said communication network, receiving information enabling said instrument dispenser to dispense negotiable instruments.

41. The method of claim 38, wherein said receiving said voice application comprises receiving said voice application via a voice recognition system associated with said bank computer.

42. The method of claim 38, wherein said receiving said voice application comprises receiving said voice application by entry into a terminal connected to said bank computer by a bank employee in communication with a bank customer.

43. The method of claim 38, wherein said device is a client telephone.

44. The method of claim 38, wherein said device is a fixed location dispenser operating in a telephone-operated mode.

45. The method of claim 38, wherein said device is a portable hand-held dispenser that operates in a telephone-operated manner.

46. A method of applying for and distributing a negotiable instrument, the method comprising:

generating and submitting DTMF tone requests for negotiable instruments to a bank computer through a communication network; and receiving and processing said DTMF tone requests for negotiable instruments.

47. The method of claim 46, further comprising receiving at said device from said bank computer information enabling said device to dispense negotiable instruments.

48. The method of claim 46, further comprising receiving, at a note dispenser in communication with said bank computer via said communications network, information enabling said note dispenser to dispense negotiable instruments.

49. The method of claim 46, wherein said device is a client telephone.

50. The method of claim 46, wherein said device is a fixed location dispenser operating in a telephone-operated mode.

51. The method of claim 46, wherein said device is a portable hand-held dispenser that operates in a telephone-operated mode.

52. A method of applying for and distributing a negotiable instrument, the method comprising:

at a note dispenser, receiving dispensation information from a bank computer over a communication network enabling said note dispenser to dispense negotiable instruments; and

Change information controlling how the note dispenser processes the dispense information is received from the bank computer.

53. The method of claim 52, further comprising, in response to receiving said change information, disabling said instrument dispenser from dispensing negotiable instruments.

54. The method of claim 52, further comprising changing an entry of said distribution information in response to receiving said change information.

55. A method of applying for and distributing a negotiable instrument to an instrument recipient, the method comprising:

receiving dispensation information from the bank computer enabling the instrument dispenser to dispense negotiable instruments;

receiving requests from instrument receivers to defer distribution of negotiable instruments; and

After said distribution information has been received, the distribution of the negotiable instrument is postponed for a period of time.

56. A method of requesting and dispensing a negotiable instrument with a portable hand-held dispenser, the method comprising:

receiving information about the distribution of negotiable instruments from the bank's computer through a wireless communication link using a radio frequency transceiver;

receiving said distribution information from said radio frequency transceiver at a microprocessor;

using the microprocessor to generate printing information according to the distribution information;

receiving said print information from said microprocessor at the printer;

upon receiving said printing information from said microprocessor, printing a negotiable instrument with said printer;

using a battery to power the microprocessor, the radio frequency transceiver and the printer; and

The radio frequency transceiver, the microprocessor, the printer and the battery are housed in a dispenser housing that is sized and weighted so that a bank customer can carry the portable handheld device with one hand. Distributor.

57. The method of claim 56, further comprising operating said portable hand-held dispenser as a telephone when said microprocessor receives a telephone menu selection from a bank customer via a keypad.

58. The method of claim 56, further comprising transmitting data from said portable hand-held dispenser to an external device via a peripheral interface in said portable hand-held dispenser.

59. A portable hand-held dispenser enabling bank customers to apply for and distribute negotiable instruments, said dispenser comprising:

a radio frequency transceiver capable of receiving information about the distribution of negotiable instruments from a bank computer via a wireless communication link;

A keypad that allows bank customers to submit organizer mode commands;

A microprocessor, the microprocessor is connected to the radio frequency transceiver and the small keyboard, receives the distribution information from the radio frequency transceiver, generates printing information according to the distribution information, and receives the distribution information from the small keyboard said manager mode command, and when said manager mode command is received, cause said portable hand-held dispenser to function as a manager;

a battery to provide power to the microprocessor, the radio frequency transceiver and the printer; and

The dispenser housing housing the RF transceiver, the microprocessor, the printer and the battery is of a size and weight such that the bank customer can carry the portable handheld dispenser with one hand.

60. The portable hand-held dispenser of claim 59, further comprising a keypad connected to said microprocessor to allow bank customers to submit telephone mode commands to said microprocessor, wherein when via said keypad, When the microprocessor receives the phone mode command from a bank customer, the microprocessor causes the portable hand-held dispenser to function as a phone.

61. A method of requesting and dispensing a negotiable instrument with a portable hand-held dispenser, the method comprising:

receiving said print information from said microprocessor at the printer;

providing power to the microprocessor, the radio frequency transceiver and the printer from a battery;

operating said portable handheld dispenser in manager mode when said microprocessor receives a manager mode command from a bank customer via a keypad; and

62. The method of claim 61, further comprising operating said portable hand-held dispenser in the form of a telephone when said microprocessor receives a telephone menu selection from a bank customer via said keypad.