System and method for integrated communications, funds transfers, confirmation and e-commerce applications

• US 20020055835A1
• Filed: 07/18/2001
• Published: 05/09/2002
• Est. Priority Date: 10/26/2000
• Status: Abandoned Application

• Current Assignee: Alvaro Mauricio Gallardo Tamoyo, Gerardo Carcoba Olivares, Luis G. Carcoba Olivares, Sergio Paniagua Webb
• Original Assignee: Alvaro Mauricio Gallardo Tamoyo, Gerardo Carcoba Olivares, Luis G. Carcoba Olivares, Sergio Paniagua Webb
• Inventors: Gallardo Tamoyo, Alvaro Mauricio, Webb, Sergio Paniagua, Olivares, Gerardo Carcoba, Carcoba Olivares, Luis G.
• Application Number:
  US09/906,616
• Publication Number:
  US 20020055835A1
• Time in Patent Office: Days
• US Class Current: 704/9
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

A system and method for managing financial and other data in a communications network designed to overcome language, cultural, education, financial and other barriers, is disclosed. The communications network includes one or more communication and transaction centers in the form of web-enabled kiosks, automatic teller machines, personal computers, television set-up boxes, customer activated terminals and the like, for transmitting electronic funds transfer and messaging data.

Claims

1. A multi-lingual communication and transaction system for performing transactions and generating communications data, involving at least one of financial data and message data, said system comprising:

a multi-lingual interpreter and translator that generates at least one of funds communications and interpreted communications, wherein said multi-lingual interpreter and translator generates said funds communications in one of a plurality of currencies in response to receipt of financial data, and generates interpreted communications in response to receipt of message data.

2. The communication and transaction system according to claim 1, further comprising:

data managers for at least one of storing, processing and managing said communications data.

3. The communication and transaction system of claim 2, wherein said data manager further comprises a customer database for storing and processing customer preference and personal interest information.

4. The communication and transaction system of claim 2, wherein said data manager further comprises a user interface.

5. The communication and transaction system of claim 4, wherein said user interface is a touch screen facilitating at least one of an audio, visual and audio instructions application software.

6. The communication and transaction system of claim 4, wherein said interface is a screen having at least one of a keyboard, a mouse and a track ball, and wherein said at least one of a keyboard, mouse and track ball is supported by at least one of audio, visual and audio instructions application software.

7. The communication and transaction system of claim 2, wherein said data manager further comprises a communications system for transmitting at least one of video, audio, and video and audio data.

8. The communication and transaction system of claim 2, wherein said data manager further comprises a remittance transaction system for processing money transactions either through the use of at least one of a hardware device and a software device.

9. The communication and transaction system of claim 2, wherein said data manager further comprises a content management system.

10. The communication and transaction system of claim 3, wherein said customer database is configured for at least one of storing and processing images.

11. The communication and transaction system of claim 1, wherein said multi-lingual communication and transaction system comprises an authentication system for identifying and authenticating a recipient of a fund transfer.

12. The communication and transaction system of claim 1, further comprising:

an authentication system for identifying and authenticating a recipient of message data.

13. The communication and transaction system of claim 11, wherein said authentication system employs biometrics authentication.

14. The communication and transaction system of claim 12, wherein said authentication system employs biometrics authentication.

15. The communication and transaction system of claim 1, wherein said multi-lingual communication and transaction system comprises an international currency exchange rate system capable of efficiently transacting international fund transfers.

16. The communication and transaction system of claim 1, further comprising:

a video conferencing system for direct real time communications accompanied by at least one of video and audio data.

17. The communication and transaction system of claim 1 further comprising:

a video conferencing system for messaging communications accompanied by at least one of video and audio data.

18. The communication and transaction system of claim 1, further comprising:

an electronic mail system.

19. The communication and transaction system of claim 1, further comprising:

an audio communication system.

20. The communication and transaction system of claim 1, wherein said communication and transaction system is a web-enabled kiosk.

21. The communication and transaction system of claim 1, wherein said communication and transaction system is an automated teller machine.

22. The communication and transaction system of claim 1, wherein said communication and transaction system is a customer activated terminal.

23. The communication and transaction system of claim 1, wherein said communication and transaction system is a television set-up box.

24. The communication and transaction system of claim 1, wherein said communication and transaction system is a personal computer.

25. The communication and transaction system of claim 1, wherein said communication and transaction system is a cellular telephone.

26. The communication and transaction system of claim 1, wherein said communication and transaction system is for use in a data communications network comprising at least one of intranet and Internet.

28. The method of producing interactive communications and performing transactions of claim 27, further comprising:

offering a record of said at least one of said service options and transaction options processed.

29. The method according to claim 27, further comprising entering of identifying data.

30. The method according to claim 27, wherein said entering of identifying data further includes touching a screen.

31. The method according to claim 27, further comprising:

determining if user data entered corresponds to data representing said authorized user.

32. The method according to claim 27, wherein said entering of identifying data further includes providing at least one of an identification card and a biometrics identifier.

33. The method according to claim 31, wherein said determining if user data entered corresponds to data representing said authorized user further comprises using at least one of personal identification numbers, passwords and biometrics authentication.

35. The communication software suite according to claim 34, further comprising:

a data management system for at least one of storing, processing and managing the data.

36. The communication software suite according to claim 35, wherein said data management system further comprises a customer database for at least one of storing and processing at least one of customer preference and personal interest information.

37. The communication software suite according to claim 34, further comprising:

user interface software operated by a touch screen and having at least one of an audio, visual and audio instructions application software.

38. The communication software suite according to claim 34, further comprising:

application software for sending at least one of video, audio, and video and audio data.

39. The communication software suite according to claim 34, further comprising:

application software for money transactions.

40. The communication software suite according to claim 34, further comprising:

application software for content management.

41. The communication software suite according to claim 36, wherein said customer database is capable of at least one of storing and processing an image of a customer.

42. The communication software suite according to claim 34, wherein said direct funds transfer system comprises an authentication system for at least one of identifying and authenticating a recipient for at least one of a message and fund transfer.

43. The communication software suite according to claim 42, wherein said authentication system employs biometrics authentication.

44. The communication software suite according to claim 34, wherein said foreign remittance transaction system comprises an international currency exchange rate system capable of efficiently transacting international fund transfers.

45. The communication software suite according to claim 34, further comprising:

a video conferencing system for direct real time communications accompanied by at least one of video and audio.

46. The communication software suite according to claim 34, further comprising:

a conferencing system for messaging accompanied by video and audio.

47. The communication software suite according to claim 34, further comprising:

an electronic mail system.

48. The communication software suite according to claim 34, wherein said communication software suite is an audio communications system.

49. The communication software suite according to claim 34, wherein said communication software suite is a web-enabled kiosk.

50. The communication software suite according to claim 34, wherein said communication software suite is an automated teller machine.

51. The communication software suite according to claim 34, wherein said communication software suite is a customer activated terminal.

52. The communication software suite according to claim 34, wherein said communication software suite is a television set-up box.

53. The communication software suite according to claim 34, wherein said communication software suite is a personal computer.

54. The communication software suite according to claim 34, wherein said communication software suite is a wireless application protocol of a cellular telephone.

55. A communication and software suite according to claim 34, for use in a data communication network comprising at least one of intranet and Internet.

57. The communication and transaction system according to claim 56, further comprising:

data management means for at least one of storing, processing and managing financial and communications data.

58. The communication and transaction system of claim 57, wherein said data management means further comprises a customer database means for at least one of storing and processing customer preference and personal interest information.

59. The communication and transaction system of claim 56, further comprising:

a user interface means for interfacing with said system by a touch screen having at least one of an audio, video and audio instructions application software.

60. The communication and transaction system of claim 56, further comprising:

a communications means for sending at least one of video, audio, video and audio data.

61. The communication and transaction system of claim 56, further comprising:

a remittance transaction means for processing money transactions.

62. The communication and transaction system of claim 56, further comprising:

a content management means for content management.

63. The communication and transaction system of claim 58, wherein said customer database means is configured for at least one of storing and processing images.

64. The communication and transaction system of claim 56, wherein said foreign remittance transaction means comprises an authentication system for at least one of identifying and authenticating a recipient for a fund transfer.

65. The communication and transaction system of claim 60, wherein said communications means comprises an authentication system for at least one of identifying and authenticating a recipient for message data.

66. The communication and transaction system of claim 64, wherein said authentication system employs biometrics authentication.

67. The communication and transaction system of claim 65, wherein said authentication system employs biometrics authentication.

68. The communication and transaction system of claim 56, wherein said foreign remittance transaction means comprises an international currency exchange rate system capable of efficiently transacting international fund transactions.

69. The communication and transaction system of claim 60, wherein said communications means further comprises a video conferencing means for direct real time communications accompanied by at least one of video and audio.

70. The communication and transaction system of claim 60, wherein said communications means further comprises a video conferencing means for messaging communications accompanied by at least one of video and audio.

71. The communication and transaction system of claim 60, wherein said communications means further comprises an electronic mail system.

72. The communication and transaction system of claim 60, wherein said communications means further comprises an audio communication system.

73. The communication and transaction system of claim 56, wherein said communication and transaction system is a web-enable kiosk.

74. The communication and transaction system of claim 56 wherein, said communication and transaction system is an automated teller machine.

75. The communication and transaction system of claim 56, wherein said communication and transaction system is a customer activated terminal.

76. The communication and transaction system of claim 56 wherein said communication and transaction system is a television set-up box.

77. The communication and transaction system of claim 56, wherein said communication and transaction system is a personal computer.

78. The communication and transaction system of claim 56, wherein said communication and transaction system is a wireless application protocol of a cellular telephone

79. The communication and transaction system of claim 56, wherein said communication and transaction system is for use in a data communication network comprising at least one of intranet and Internet.

80. The communication and transaction system according to claim 1, wherein said at least one of funds communications and interpreted communications is an electronic commerce communication.

81. The method according to claim 27, wherein said at least one of the service options and transaction options is an electronic commerce option.

82. The communication software suite according to claim 34, further comprising:

an electronic commerce system for communicating said data.

83. The communication software suite according to claim 34, wherein at least some of said data is financial data.

84. The communication software suite according to claim 34, wherein said transfers are authorized.

85. The communication and transaction system according to claim 56, wherein said at least one of processing, sending and receiving financial transactions is in electronic commerce.

27. A method for providing interactive communications and performing transactions, said method comprising:

presenting an authorized user with information relative to the authorized user'"'"'s identification;

performing a system check for pending financial transactions associated with the authorized user, and generating financial data;

performing a system check for pending message communications associated with the authorized user, and generating message data;

presenting the authorized user with at least one of service options and transaction options for responding to said message data generated and said financial data generated; and

processing said at least one of service options and transaction options presented to said authorized user.

34. A communication software suite comprising:

a multi-lingual system for accommodating cross-language and cross-cultural user requirements;

a foreign remittance transaction system for accessing and processing data as accommodated by said multi-lingual system; and

a direct funds delivery system, having a secured funds delivery system, for transfers of said data.

56. A communication and transaction system for transferring funds and message data together, said system comprising:

multi-lingual means for interpreting and translating financial transactions in one or more languages; and

remittance transaction means for at least one of processing, sending and receiving said financial transactions.