Global method and system for providing enhanced transactional functionality through a customer terminal
First Claim
1. A computer-implemented method for a user to obtain international account products access on a network, comprising the steps of:
- receiving the user'"'"'s input for accessing a local terminal;
identifying a non-local type of user account based on the received input;
establishing a real-time interactive session directly between the user at the local terminal and a host processor;
automatically presenting a list of language options at the local terminal by the host processor based on the received input;
receiving the user'"'"'s selection of a language from said list of language options by the host processor;
automatically prompting said user for an access code in said selected language at the local terminal by the host processor;
receiving the user'"'"'s input of said access code by the host processor;
automatically verifying said access code by the host processor;
automatically providing said user with a list of transactions in said selected language at the local terminal by the host processor;
receiving the user'"'"'s selection of a transaction from said list of transactions by the host processor;
automatically determining by the host processor whether said local terminal supports said selected transaction;
if said selected transaction is not supported by said local terminal, automatically informing said user at the local terminal by the host processor that said selected transaction cannot be performed; and
if said selected transaction is supported by said local terminal, performing said selected transaction interactively in said selected language via the host processor.
2 Assignments
0 Petitions
Accused Products
Abstract
A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user'"'"'s full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . . acceptance and fulfillment, rather than the CAT.
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Citations
28 Claims
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1. A computer-implemented method for a user to obtain international account products access on a network, comprising the steps of:
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receiving the user'"'"'s input for accessing a local terminal; identifying a non-local type of user account based on the received input; establishing a real-time interactive session directly between the user at the local terminal and a host processor; automatically presenting a list of language options at the local terminal by the host processor based on the received input; receiving the user'"'"'s selection of a language from said list of language options by the host processor; automatically prompting said user for an access code in said selected language at the local terminal by the host processor; receiving the user'"'"'s input of said access code by the host processor; automatically verifying said access code by the host processor; automatically providing said user with a list of transactions in said selected language at the local terminal by the host processor; receiving the user'"'"'s selection of a transaction from said list of transactions by the host processor; automatically determining by the host processor whether said local terminal supports said selected transaction; if said selected transaction is not supported by said local terminal, automatically informing said user at the local terminal by the host processor that said selected transaction cannot be performed; and if said selected transaction is supported by said local terminal, performing said selected transaction interactively in said selected language via the host processor. - 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, 24, 25, 26)
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27. A computer system for a user to obtain international account products access on a network, comprising:
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a local terminal accessible by a user by receiving the user'"'"'s input for accessing said local terminal; means for identifying a non-local type of user account based on the received input; means for establishing a real-time interactive session directly between the user at the local terminal and a host processor; means for automatically presenting a list of language options at the local terminal by the host processor based on the received input; means for receiving the user'"'"'s selection of a language from said list of language options; means for automatically prompting said user for an access code in said selected language at the local terminal by the host processor; means for receiving the user'"'"'s input of said access code by the host processor; means for automatically verifying said access code by the host processor; if said access code is invalid, means for automatically terminating access by the host processor; means for automatically providing said user with a list of transactions in said selected language at the local terminal by the host processor; means for receiving the user'"'"'s selection of a transaction from said list of transactions by the host processor; means for automatically determining whether said local terminal supports said selected transaction by the host processor; if said selected transaction is not supported by said local terminal, means for automatically informing said user at the local terminal by the host processor that the transaction cannot be performed; and if said selected transaction is supported by said local terminal, means for performing said transaction interactively in said selected language via the host processor.
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28. A machine-readable medium on which is encoded program code for a user to obtain international account products access on a computer network, comprising instructions for:
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receiving the user'"'"'s input for accessing a local terminal; identifying a non-local type of user account based on the received input; establishing a real-time interactive session directly between the user at the local terminal and a host processor; automatically presenting a list of language options at the local terminal by the host processor based on the received input; receiving the user'"'"'s selection of a language from said list of language options by the host processor; automatically prompting said user for an access code in said selected language at the local terminal by the host processor; receiving the user'"'"'s input of said access code by the host processor; automatically verifying said access code by the host processor; automatically providing said user with a list of transactions in said selected language at the local terminal by the host processor; receiving the user'"'"'s selection of a transaction from said list of transactions by the host processor; automatically determining by the host processor whether said local terminal supports said selected transaction; if said selected transaction is not supported by said local terminal, informing said user at the local terminal by the host processor that said selected transaction cannot be performed; and if said selected transaction is supported by said local terminal, performing said selected transaction interactively in said selected language via the host processor.
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Specification