From the patent link posted earlier:
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. Each remote terminal comprises a video screen and a video memory which holds image-and-sound-generating information arranged to simulate the aspect and speech of an application loan officer on the video screen. The simulated loan officer is used to acquire loan request data from the applicant by guiding him through an interactive sequence of inquiries and answers.
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lolol.... Now, if I had a talking loan officer coming out of my screen, I might worry....
Other than that, they are describing a computer network, which if what I researched a while back is covered by several other patents filed long before this thing....
This stuff is such bullshit.....
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