Delivering financial services to remote devices

• US 20070250808A1
• Filed: 06/22/2007
• Published: 10/25/2007
• Est. Priority Date: 10/31/1996
• Status: Active Grant

• Current Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated)
• Original Assignee: Citicorp Development Center Incorporated (Citigroup Incorporated)
• Inventors: Moss, Leslie, Cohen, Albert, Markarian, Grigor, Cook, James, Lan, Sikun, Abbott, Charles, Boyd, Nik, Lindsley, Bonnie, Grandcolas, Michael, Zeanah, James
• Granted Patent: US 8,543,982 B2
• Time in Patent Office: Days
• US Class Current: 717/100
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/206 Software aspects at ATMs

Abstract

A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer.

Claims

1. A remote device for conducting a financial transaction, the remote device comprising:

a mini-app dialog component selected by the customer for performing a financial transaction;

a transaction executor component instantiated by the mini-app dialog component to perform the financial transaction; and

a rule broker component for answering queries posed by the mini-app dialog component,

wherein the performed function is displayed on the remote device.

2. The system of claim 1, wherein the remote device communicates over a cellular network.

3. The system of claim 1, wherein the remote device communicates over a telephone network.

4. The system of claim 1, further comprising a display on the remote device for displaying a presentation format of financial transaction information.

5. The system of claim 4, wherein the presentation format is in a format for a cellular phone.

6. The system of claim 1, wherein each function is performed by a separate mini-app dialog component.

7. The system of claim 1, wherein the remote device is selected from the group consisting of a personal computer, phone, ATM, personal data assistant, and an internal staff terminal.

8. The system of claim 1, further comprising a presentation manager for mapping messages in a canonical representation into a format for the remote device.

9. The system of claim 1, further comprising a language man component for regulating the content of messages.

10. The system of claim 1, further comprising a session bubble for each session instantiated by the remote device.

11. The system of claim 10, further comprising a session component to manage resources for the session bubble.

12. The system of claim 11, wherein the session component instantiates at least one additional component selected from the group consisting of:

a welcome mat component, a front door man component, and an acquirer component.

13. The system of claim 1, wherein the rule broker component directs a querying component to a rule authority for the answer to the question.

14. A method for delivering financial services from a delivery system to a customer through a remote device, the method comprising:

selecting a mini-app dialog component on the remote device to perform a financial service;

collecting information to perform the financial service;

instantiating a transaction executor component for performing the financial service;

answering at least one query posed by the mini-app dialog component; and

displaying on the remote device that the financial service has been performed.

15. The method of claim 14, further comprising the step of connecting the remote device to the delivery system through a cellular network or a telephone network.

16. The method of claim 14, further comprising the step of mapping a message from a canonical representation into a format desired for the remote device.

17. The method of claim 16, wherein the format desired for the remote device is a cellular phone format.

18. The method of claim 14, further comprising the step of regulating the content of a message.

19. The method of claim 14, further comprising the step of instantiating a session bubble for each session.

20. The method of claim 19, further comprising the step of managing resources for the session bubble.

21. The method of claim 20, further comprising the step of instantiating by a session component at least one additional component selected from the group consisting of:

a welcome mat component, a front door man component, a rule broker component, and an acquirer component.

22. The method of claim 14, further comprising the step of registering at least one rule authority as an answerer of a question.

23. The method of claim 22, further comprising the step of directing a querying component to the at least one rule authority for the answer to the question.

24. The method of claim 14, further comprising the step of receiving a request over the Internet for a function to be performed.

25. The method of claim 14, further comprising the steps of:

receiving from the remote device a second request for a second function at a second mini-app dialog component;

collecting information from the remote device with the second mini-app dialog component;

instantiating a second transaction executor component; and

performing the second function that was requested through the remote device with the second transaction executor component.