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 - 91 . (canceled)  
   
   
       92 . A system for enabling communication between a deaf person and a hearing person comprising: 
 providing means for receiving and transmitting communications at a first location remote from said deaf person and said hearing person;    means at said first location for determining the availability of an operator and the location of said available operator;    means for transferring a communication received from at least one of said deaf person and said hearing person to said operator; and    means for enabling said operator to receive said communication from said at least one of said deaf person and said hearing person and for enabling said operator to communicate by at least one of other means and voice with at least one of said voice recipient and other communicating parties.    
   
   
       93 . The system according to  claim 92 , wherein said availability determining means determines whether a new telecommuting operator must be added and said transferring means comprising means for transferring said communication to said new telecommuting operator.  
   
   
       94 . The system according to  claim 93 , further comprising a server for dialing out to said new telecommuting operator connected to said determining means.  
   
   
       95 . The system according to  claim 92 , wherein said deaf person communicates with said receiving means via at least one of a TTY, a computer, a wireless mobile apparatus and a communication means.  
   
   
       96 . The system according to  claim 92 , wherein said receiving means comprises a PBX.  
   
   
       97 . A system for enabling communication between a deaf person and a hearing person comprising: 
 means located at a first location for receiving at least one of a TTY, computer, and wireless mobile apparatus communication from said deaf person via communication means and for transferring said communication to a telecommuting operator located at a second location remote from said first location;    means at said second location for enabling said telecommuting operator to receive said communication and for converting said communication into a voice message;    means for transmitting said voice message to at least one of said first location and voice recipient; and    means at said first location for transmitting said voice message from said first location to said voice recipient.    
   
   
       98 - 121 . (canceled)  
   
   
       122 . The system according to  claim 92 , wherein said operator is a telecommuting operator located at a second location remote from said first location and said enabling means is located at said second location.  
   
   
       123 . The system according to  claim 92 , wherein said enabling means comprises means for allowing said operator to handle calls originating in voice, and at least one of a TTY text, non-TTY text, and a video.  
   
   
       124 . The system according to  claim 92 , further comprising means for enabling at least one of a deaf person, a hearing person, a telephone relay service, a video relay service, a communication center, a server, an operator, an Intranet, and an Internet website to generate and transmit communications.  
   
   
       125 . The system according to  claim 124 , wherein said means for enabling generation and transmission of communications comprises at least one of a TTY, a computer, a wireless mobile apparatus, a voice capturing and transmitting apparatus and a video camera for capturing sign language.  
   
   
       126 . The system according to  claim 92 , further comprising means for determining how many remotely located operators are actively engaged, how many operators are available, and how many additional operators are needed.  
   
   
       127 . The system according to  claim 92 , further comprising means for allowing said voice recipient to respond with a voice message, and said operator receiving said voice message, forming a converted message in at least one of text and sign language, and transmitting said converted message to said deaf person.  
   
   
       128 . The system according to  claim 128 , wherein said system is accessible through an Internet website.  
   
   
       129 . The system according to  claim 92 , wherein said computer is a sign language interpreter.