Global Method and System For Providing Enhanced Transactional Functionality Through a Customer Terminal
First Claim
1. A computer-implemented method for providing user access to international account products on a network, comprising:
- deploying a plurality of local terminals within each of a plurality of pre-defined business regions of a financial institution with at least one front-end processor as exclusive arbitrator of transaction acceptance and fulfillment for each of said plurality of local terminals within each of said business regions, each of said local terminals sharing a common interface with the front-end processors for all of said business regions;
identifying by a computer process executing on one of the local terminals within one of said business regions a non-local user account type based on a user'"'"'s input received at said one of the local terminals and establishing by the computer process a real-time interactive session directly between the user at said one of the local terminals and said at least one front-end processor for said one of said business regions via said common interface;
receiving by said at least one front-end processor via said common interface the user'"'"'s selection of a language from a list of language options presented for the user at said one of the local terminals by said at least one front-end processor via said common interface;
receiving by said at least one front-end processor via said common interface the user'"'"'s entry at said one of the local terminals of an access code in response to a prompt of the user for the access code in said selected language at said one of the local terminals by said at least one front-end processor via said common interface and verifying by said at least one front-end processor said entered access code;
receiving by said at least one front-end processor via said common interface the user'"'"'s entry at said one of the local terminals of a selection of a transaction from a list of transactions in the selected language consisting of a set of user transactions that is common to each of said business regions presented for the user at said one of the local terminals by said at least one front-end processor via said common interface; and
interactively performing by said at least one front-end processor via the common interface the selected transaction in the selected language for the user at said one of the local terminals.
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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
20 Claims
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1. A computer-implemented method for providing user access to international account products on a network, comprising:
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deploying a plurality of local terminals within each of a plurality of pre-defined business regions of a financial institution with at least one front-end processor as exclusive arbitrator of transaction acceptance and fulfillment for each of said plurality of local terminals within each of said business regions, each of said local terminals sharing a common interface with the front-end processors for all of said business regions; identifying by a computer process executing on one of the local terminals within one of said business regions a non-local user account type based on a user'"'"'s input received at said one of the local terminals and establishing by the computer process a real-time interactive session directly between the user at said one of the local terminals and said at least one front-end processor for said one of said business regions via said common interface; receiving by said at least one front-end processor via said common interface the user'"'"'s selection of a language from a list of language options presented for the user at said one of the local terminals by said at least one front-end processor via said common interface; receiving by said at least one front-end processor via said common interface the user'"'"'s entry at said one of the local terminals of an access code in response to a prompt of the user for the access code in said selected language at said one of the local terminals by said at least one front-end processor via said common interface and verifying by said at least one front-end processor said entered access code; receiving by said at least one front-end processor via said common interface the user'"'"'s entry at said one of the local terminals of a selection of a transaction from a list of transactions in the selected language consisting of a set of user transactions that is common to each of said business regions presented for the user at said one of the local terminals by said at least one front-end processor via said common interface; and interactively performing by said at least one front-end processor via the common interface the selected transaction in the selected language for the user at said one of the local terminals. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A computer system method for providing user access to international account products on a network, comprising:
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a plurality of local terminals deployed within each of a plurality of pre-defined business regions of a financial institution with at least one front-end processor as exclusive arbitrator of transaction acceptance and fulfillment for each of said plurality of local terminals within each of said business regions, each of said local terminals sharing a common interface with said at least one front-end processor for all of said business regions; a computer process executing on one of the local terminals within one of said business regions that identifies a non-local user account type based on a user'"'"'s input received at said one of the local terminals and establishes a real-time interactive session directly between the user at said one of the local terminals and said at least one front-end processor for said one of said business regions via the common interface; said at least one front-end processor being programmed; to receive via the common interface the user'"'"'s selection of a language from a list of language options presented for the user at said one of the local terminals by said at least one front-end processor via the common interface; to receive via the common interface the user'"'"'s entry of an access code at said one of the local terminals in response to a prompt of the user for the access code in the selected language at said one of the local terminals by said at least one front-end processor via the common interface and verifying by said at least one front-end processor the entered access code; to receive via the common interface the user'"'"'s entry of a selection of a transaction at said one of the local terminals from a list of transactions in the selected language consisting at least in part of a set of user transactions that is common to each of said business regions presented to the user at said one of the local terminals by said at least one front-end processor via said common interface; and to interactively perform via the common interface the selected transaction in the selected language for the user at said one of the local terminals.
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Specification