System and a method for carrying out personal and business transactions

Abstract

The present invention relates to a system and a method for carrying out personal transactions including financial transactions, e-mail transactions, and voice messaging transactions. A user of the system is issued a ten digit identification number in the form of a telephone number. The identification number may be the user's actual phone number or a pseudo phone number. The user is also assigned a PIN number which contains a single or multiple digit security element which allows the user to indicate a security problem and its nature by dialing the assigned PIN number and which allows the user to avoid tripping the security elements of the system by using a digit or digits other than that/those assigned as the significantly placed digit(s) in the PIN number. Access to the system is provided either by dialing a central telephone number or via the Internet.

1 - 64 . (canceled)  
   
   
       65 . A system for enabling deaf people to leave a message for an intended recipient at a remote location comprising: 
 means for enabling a deaf person to generate a text communication containing text and at least one of a telephone number address and an IP address for said intended recipient;    means for receiving said text communication from a said deaf person which communication contains said at least one of a telephone number address and an IP address for said intended recipient;    means for converting said communication into another form; and    means for delivering said converted message to said at least one of a telephone number address and an IP address for review by said intended recipient.    
   
   
       66 . The system according to  claim 65 , further comprising means connected to said converting means for extracting said at least one of a telephone number address and an IP address from said communication and connecting to said address.  
   
   
       67 . The system according to  claim 65 , wherein said converting means includes means for extracting communication text and means for converting said extracted communication text into at least one of a human voice and machine synthesized voice sounds and wherein said delivering means comprises means for transmitting said voice sounds to either an individual or an answering machine located at said telephone number address.  
   
   
       68 . The system according to  claim 65 , further comprising at least one of a TTY, a computer and a mobile wireless apparatus used by said deaf person to compose said text message containing said at least one of a telephone number address and an IP address and a telephone link between said enabling means and said receiving means.  
   
   
       69 . The system according to  claim 65 , wherein said receiving means, said converting means, and said delivering means are located in a communication center remote from said deaf person and said intended recipient.  
   
   
       70 . A method for enabling a deaf person to leave a message for an intended recipient at a remote location comprising the steps of: 
 receiving a text communication from said deaf person containing a text message and at least one of a telephone number address and an IP address for an intended recipient;    using means to convert said text message to another form; and    delivering said converted message via a communication means to at least one of the intended recipient and a storage device.    
   
   
       71 . A method according to  claim 70 , further comprising extracting at least one of said telephone number address and said IP address from said text communication and said delivering step comprising connecting to said address.  
   
   
       72 . The method according to  claim 70 , wherein said converting step comprises extracting said text message and converting said extracted text message into machine synthesized voice sounds and said delivering step comprising delivering said voice sounds to at least one of the intended recipient and an answering machine via a communication connecting link.  
   
   
       73 . The method according to  claim 70 , further comprising said deaf person using at least one of a TTY, a computer and a mobile wireless apparatus to compose said text communication.  
   
   
       74 . A system for enabling a deaf person to leave an e-mail message for an intended recipient comprising: 
 means for enabling a deaf person to generate a text communication said e-mail message and at least one of a telephone number address and an IP address for said intended recipient;    a link to receive said text communication containing said e-mail and said at least one of a telephone number address and an IP address for said intended recipient from said enabling means;    means for forwarding said text message to a web server located at a location remote from said deaf person; and    said web server communicating with a means for delivering an e-mail to said intended recipient and with a means for receiving a message from said intended recipient and delivering said message to said deaf person.    
   
   
       75 . A system according to  claim 74 , further comprising means at said remote location for extracting at least one of said telephone number address and said IP address from said text message and means for using said at least one of said telephone number address and said IP address to communicate with said e-mail delivery means.  
   
   
       76 . A method for enabling a deaf person to leave an e-mail for an intended recipient comprising the steps of: 
 using at least one of a TTY, a computer, and equipment with a camera for capturing sign language to compose a communication including said e-mail for said intended recipient and at least one of a telephone number address and an IP address for said intended recipient;    transmitting said communication to a remote location having means for communicating with an Internet service provider; and    transmitting said communication to an e-mail delivery service for said intended recipient via said communicating means.    
   
   
       77 . A method according to  claim 76 , further comprising extracting said at least one of said telephone number address and said IP address for said intended recipient and said transmitting step comprising using said extracted address to deliver said e-mail to said e-mail delivery service.  
   
   
       78 . A system for enabling at least one of a deaf person and a hearing person to initiate and conduct an IM or ICQ session with another person without utilizing a personal computer comprising: 
 at least one of a telephone relay service and a video relay service for receiving a message from a deaf person using at least one of a TTY, a computer, a mobile wireless apparatus, and equipment having a camera for capturing sign language via communication means;    means for forwarding said message to said another person; and    said forwarding means including a web server for transmitting said message to another person.    
   
   
       79 . A system according to  claim 78 , wherein said web server transmits said message to at least one of a personal computer and a mobile wireless apparatus used by said another person.  
   
   
       80 . A system according to  claim 78 , wherein said web server converts said message from said enabling means to a receiving means compatible format.  
   
   
       81 . A method for enabling a deaf person to conduct an IM or ICQ session with another person which comprises the steps of: 
 composing a message for an IM or ICQ session using at least one of a TTY, a computer, a wireless mobile apparatus, and equipment having a camera for capturing sign language;    forwarding said message to a center via a communication means;    forwarding said message to a web server within said center; and    using said web server to transmit said message to a communication means used by said another person at a remote location.    
   
   
       82 . A system for enabling a first person to deliver an IM or ICQ invitation to at least one of a deaf person and a hearing person when neither said first person or an intended recipient is connected to a public network comprising: 
 means for preparing an IM or ICQ session request with at least one of a telephone number address and an IP address for said intended recipient;    means for transmitting said session request to a remote website; and    means for delivering said session request to at least one of a TTY, a wireless mobile apparatus, and a computer being used by said intended recipient using said at least one of a telephone number address and an IP address and a communication means.    
   
   
       83 . A system for enabling a plurality of deaf people to conduct a conference call which comprises: 
 a PBX located at a remote location from said plurality of deaf people, said PBX having at least one communication means for each conference call participant;    a bank of modems connected to said PBX for receiving a telephone communication from each conference call participant; and    means for gathering all communications from said conference call participants and forwarding same to each conference call participant.    
   
   
       84 . A system according to  claim 83 , wherein each deaf person participates in said conference call via at least one of a TTY, a computer and a wireless mobile apparatus and said gathering and forwarding means comprising means for displaying all messages from each conference call participant upon each said enabling means being used by a respective deaf individual.  
   
   
       85 . A system according to  claim 83 , further comprising at least one participant to said conference call participating by a voice connection and said gathering and forwarding means comprises means for converting each message received from each said deaf person to voice sounds and forwarding said voice sounds to said at least one participant participating by said voice connection.  
   
   
       86 . A system according to  claim 83 , further comprising a server for supervising operations of said PBX, said bank of modems, and said gathering and forwarding means.  
   
   
       87 - 121 . (canceled)  
   
   
       122 . A system according to  claim 65 , wherein: 
 said enabling means comprises at least one of a text telephone, a computer, a wireless mobile apparatus, and equipment containing a camera for capturing sign language utilized by said deaf person;    said receiving means comprises a communication center remote from said deaf person; and    said delivery means comprises an operator at said communication center.    
   
   
       123 . A system according to  claim 122 , wherein said center has a server, said server is used for storing messages, and said center has a search engine for finding one of a telephone number address, an IP address, and an e-mail address for said person and said intended recipient.  
   
   
       124 . A system according to  claim 65 , further comprising a server which is accessible by at least one of the Internet and a website and said server having means for verifying the identity of said recipient utilizing at least one of said telephone address, said IP address, and a wireless mobile address.  
   
   
       125 . A system according to  claim 74 , wherein said server is accessible by at least one of the Internet and a website and said server has means for verifying the identity of said recipient utilizing at least one of said telephone address, said IP address, and a wireless mobile address.  
   
   
       126 . A system according to claim  64 , further comprising a device for generating a light signal to indicate an e-mail message has arrived and a postal electronic box for accessing e-mail.  
   
   
       127 . The system according to  claim 126 , wherein said postal electronic box has a lowest configuration during which said light signal device flashes, a medium configuration having an LCD which enables a reading of a list of parties who have sent mail without retrieving any of said mail and a full configuration which contains in addition to said medium configuration an enlarged memory so that messages can be automatically downloaded and optionally a LCD display to enable reading of said mail.  
   
   
       128 . The system according to  claim 127 , wherein said postal electronic box in said full configuration interfaces with at least one of a computer and a television to enable reading of said mail in said postal electronic box.