Techniques are disclosed for supplying users in an online environment with a safe and effective chat facility. The method may further include determining a list of clips to recommend to the user based on a user profile associated with the user and transmitting the list of clips to the user device for customizing the selected program. The management area stores a playback sequence which gives the playback conditions of the advanced objects. Upon establishment of video and audio connection, the customer may request the performance of specific financial transactions that are controlled by a teller through the teller station that is connected with the PTM over a network.