Patent ID: 7708191
Filing Date: 2010-05-04
Classification: G06Q

Abstract:
1. A telebanking apparatus for transferring money or cash value between two parties in the same country or across national borders, for paying bills and browsing the Internet, the apparatus comprising: a handheld electronic personal digital assistant (PDA) device having mobile phone and wireless network capabilities, the PDA comprising: an electronic system base module configured for placing upon and use upon a desktop, the base module comprising: cordless phone handset sized and configured to detachably rest upon the base module spanning over the hatch when the hatch is in the closed position, the cordless phone handset in wireless communication with the telephone device electronics in the base module; one or more cash value transfer cards, the cash value transfer cards have a rewritable data storage means, the cards sized and adapted for use with the telebanking apparatus; a stylus feather pen, the stylus pen having a lower portion removably receivable into a depression in the top portion of the base module, the stylus feather pen adapted for performing touch sensitive input and writing upon the LCD graphic display screens, wherein the stylus serves as a user input device; and a second stylus feather pen having a lower portion removably receivable into a depression in the top portion of the base module, the second stylus pen having an infrared light emitting diode (LED) device and infrared light detector secured to a tip of the second stylus, the infrared LED device and detector for scanning barcodes on bills, the second stylus feather pen having a tip adapted for performing touch sensitive input and writing on the LCD graphic screens.