Integrated system for providing financial services including internet TV capabilities

• US 20010056401A1
• Filed: 02/01/2001
• Published: 12/27/2001
• Est. Priority Date: 02/03/2000
• Status: Abandoned Application

• Current Assignee: Citicorp Development Center Incorporated (Citigroup Incorporated)
• Original Assignee: Citicorp Development Center Incorporated (Citigroup Incorporated)
• Inventors: Tompkins, Peter
• Application Number:
  US09/775,259
• Publication Number:
  US 20010056401A1
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: H04N 21/2543 Billing , e.g. for subscription services payment schemes, architectures or protocols G06Q20/00; e-commerce G06Q30/00; arrangements for billing for the use of broadcast information or broadcast-related information H04H60/21
• CPC Class Codes: H04N 21/25875 involving end-user authentication restricting access to computer systems by authenticating users using a predetermined code G06F21/33; arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system H04L9/32; networks authentication protocols H04L63/08; authentication in wireless network security H04W12/06
• CPC Class Codes: H04N 21/4185 for payment
• CPC Class Codes: H04N 21/4355 involving reformatting operations of additional data, e.g. HTML pages on a television screen optimising the visualization of content for information retrieval from the Internet G06F16/9577; adaptation of message content in packet-switching networks H04L51/066; media handling at the source in data packet switching networks H04L65/764
• CPC Class Codes: H04N 21/4622 Retrieving content or additional data from different sources, e.g. from a broadcast channel and the Internet web site content organization and management for information retrieval from the Internet G06F16/958; transmission by internet of broadcast information H04H60/82; stock exchange data over packet-switching network H04L12/1804; push services including data channel over packet-switching network H04L12/1859
• CPC Class Codes: H04N 21/47805 Electronic banking banking in general G06Q30/02
• CPC Class Codes: H04N 21/47815 Electronic shopping payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12
• CPC Class Codes: H04N 21/4782 Web browsing , e.g. WebTV
• CPC Class Codes: H04N 21/6181 involving transmission via a mobile phone network arrangements for providing broadcast or conference services to substation in data switching networks in combination with wireless systems H04L12/189; wireless uplink channel access H04W74/004
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04N 21/8543 : using a description language, e.g. Multimedia and Hypermedia information coding Expert Group [MHEG], eXtensible Markup Language [XML] information retrieval of semistructured data, the underlying structure being taken into account, e.g. mark-up language structure data G06F16/80
• CPC Class Codes: H04N 7/17318 : Direct or substantially direct transmission and handling of requests

Abstract

The methods and systems of the present invention allow for the integration of different electronic commerce (“e-commerce”) and electronic banking (“e-banking”) technologies to advantageously provide an increased level of services to banking customers including consumers and merchants. A particular feature of the present invention is the integration of a television interface with e-commerce, home banking and credit/debit card processing services and internet technologies to provide a single conduit for merchants and consumers to financial services networks.

Claims

1. A system for providing financial services and facilitating transactions among a user, a merchant and a financial institution comprising:

a user interface and at least one of the following financial services industry systems;

an interactive bill presentment and payment system accessible through the user interface;

a merchant payment processing system administered by the financial institution;

a credit and debit system administered by the financial institution;

a home-banking system;

and a processor for receiving data from the user interface and translating the data into a form usable by at least one of the interactive bill presentment and payment system;

the merchant payment processing system;

the multi-function financial services system and/or the credit and debit system;

wherein the user interface comprises a television.

2. The system of

claim 1

wherein the user interface further comprises a control unit having an input device.

3. The system of

claim 1

wherein the television is a cable television and the system further comprises a cable television combiner for providing television services to the television.

5. The system of

claim 1

wherein the processor is located at a financial services institution server site.

7. The system of

claim 3

wherein the processor is part of a server maintained by a cable television provider.

8. The system of

claim 1

further comprising a merchant site.

4. The system of claim I wherein the processor is located at the site of the television.

6. The system of claim I wherein the processor is part of a server maintained by a financial services institution.

9. A method for providing financial services and facilitating transactions among a user, a merchant and a financial institution comprising:

providing a user interface that allows a user to access and at least one of the following financial services industry systems;

an interactive bill presentment and payment system accessible through the user interface;

a merchant payment processing system administered by the financial institution;

a credit and debit system administered by the financial institution;

a home-banking system;

providing a processor for receiving data from the user interface and translating the data into a form usable by at least one of the interactive bill presentment and payment system;

the merchant payment processing system;

the multi-function financial services system and/or the credit and debit system;

wherein the user interface comprises a television.

10. The method of

claim 9

wherein the method further comprises providing cable television service to the user.