Importance

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Abstract

The invention relates to a remote interactive point access banking and information system. Particularly, the invention discloses an integrated set of platforms presenting various service and transaction options to a customer. The invention enables a customer to access personal account information, apply for a loan, make commercial deposits and videoconference, in real-time, with a bank representative at the main office. A software implemented in preferably a mainframe computer provides direct access to the bank's database to which a customer is able to connect to execute transactions. One of the many aspects of the invention includes a plurality of platforms integrated to provide the customer with a full banking service such that the customer is enabled to access and execute all major transactions including internet and fax communications. The invention further provides the customer with information regarding banking services, other investment and finance related intelligence. The invention is modular and expandable to be compatible to emerging technologies such as the internet/intranet, cellular systems and high bandwidth digital communications so that both individual and institutional customers may be able to access full banking services from remote locations. Further, the invention is expandable to enable customers to access their account and execute transactions via the internet worldwide.

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First Claim