Electronic banking system
First Claim
1. A method for an automated banking system for permitting a customer of a bank to remotely authorize and request a computerized monetary transaction be made by their bank, said method comprising the steps of:
- providing a computerized system at the customer'"'"'s location;
receiving on the customer'"'"'s system, a customer'"'"'s manually inputted request for the customer'"'"'s bank to conduct a monetary transaction;
automatically running on the customer'"'"'s system, in response to a request, a monetary transaction program for generating a properly formatted monetary transaction document as an intermediary document (IDOC);
automatically retaining in the customers system the IDOC in a remote function call (RFC) queue, for a predetermined period of time, to permit the IDOC to be passed into an eBanking interface server of the customers system for further processing;
programming said interface server to automatically convert the IDOC into an extensible markup language (XML) formatted document;
automatically transferring over a computer network the XML formatted IDOC from the customer'"'"'s system to a compatible eBanking server in the customer'"'"'s bank; and
automatically processing the requested monetary transaction via said server of said bank responding to the IDOC.
2 Assignments
0 Petitions
Accused Products
Abstract
An automated electronic banking system for initiating and automatically processing monetary transactions, includes initiating means for maintaining a transaction record and permitting a remotely located customer of a bank to selectively initiate a monetary transaction request for automated processing, a bank host server adapted for automatically receiving and processing the monetary transaction request, a computer network in data communication between the bank host server means and the initiating means, for transmitting the payment transaction request from the customer'"'"'s initiating means to the to bank host server, and interface means located between the initiating means and the computer network for automatically interfacing the initiating means to the bank host server, and for converting the monetary transaction request into a readable form compatible with the bank host server, wherein the customer'"'"'s initiating means periodically receives in response from the bank host server confirmation data for permitting the initiating means to automatically reconcile the transaction record on a daily basis. The present invention is further directed to a method for an automatic electronic banking system for permitting a customer of a bank to remotely authorize and request a computerized monetary transaction to be made by their bank.
-
Citations
27 Claims
-
1. A method for an automated banking system for permitting a customer of a bank to remotely authorize and request a computerized monetary transaction be made by their bank, said method comprising the steps of:
-
providing a computerized system at the customer'"'"'s location;
receiving on the customer'"'"'s system, a customer'"'"'s manually inputted request for the customer'"'"'s bank to conduct a monetary transaction;
automatically running on the customer'"'"'s system, in response to a request, a monetary transaction program for generating a properly formatted monetary transaction document as an intermediary document (IDOC);
automatically retaining in the customers system the IDOC in a remote function call (RFC) queue, for a predetermined period of time, to permit the IDOC to be passed into an eBanking interface server of the customers system for further processing;
programming said interface server to automatically convert the IDOC into an extensible markup language (XML) formatted document;
automatically transferring over a computer network the XML formatted IDOC from the customer'"'"'s system to a compatible eBanking server in the customer'"'"'s bank; and
automatically processing the requested monetary transaction via said server of said bank responding to the IDOC. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
-
-
23. An automated electronic banking system for initiating and automatically
processing monetary transactions, said system comprising: -
initiating means for permitting a remotely located customer of a bank to selectively initiate a monetary transaction request for automated processing;
a bank host server adapted for automatically receiving and processing said monetary transaction request;
a computer network in data communication between said bank host server means and said initiating means, for transmitting the payment transaction request from the customer'"'"'s initiating means to the bank host server; and
interface means located between said initiating means and said computer network, for automatically interfacing the initiating means to the bank host server, and for converting said monetary transaction request into a readable form compatible with the bank host server. - View Dependent Claims (24, 25, 26, 27)
-
Specification