GLOBAL METHOD AND SYSTEM FOR PROVIDING ENHANCED TRANSACTIONAL FUNCTIONALITY THROUGH A CUSTOMER TERMINAL
First Claim
1. A computer-implemented method for providing multi-regional user access to perform financial transactions, the method comprising:
- receiving, by at least one front-end processor from at least one terminal, instructions for a financial transaction,wherein at least one terminal is located within each of a plurality of regions;
wherein each of the terminals share a common interface with the at least one front-end processor for all of the regions;
identifying, by the terminal, a non-local user account type based on a user'"'"'s input received at the terminal,wherein the account type is non-local when the user is accessing a terminal in a region other than the user'"'"'s local region;
establishing, by the terminal and the front-end processor, a real-time interactive session directly between the user at the terminal and the front-end processor via the common interface;
receiving, by the front-end processor via the common interface, an entry by the user of an access code at the terminal;
providing verification to the terminal, by the front-end processor, of the access code entered by the user at the terminal;
receiving, by the front-end processor via said common interface, a selection by the user at the terminal for a transaction request, wherein the transaction request is selected from a list of transactions common to each of the regions and presented to the user at the terminal by the front-end processor via the common interface; and
performing, by the front-end processor via the common interface, the requested transaction for the user at the terminal.
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Accused Products
Abstract
A global customer activated terminal (CAT) 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. 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, 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 and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.
106 Citations
22 Claims
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1. A computer-implemented method for providing multi-regional user access to perform financial transactions, the method comprising:
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receiving, by at least one front-end processor from at least one terminal, instructions for a financial transaction, wherein at least one terminal is located within each of a plurality of regions; wherein each of the terminals share a common interface with the at least one front-end processor for all of the regions; identifying, by the terminal, a non-local user account type based on a user'"'"'s input received at the terminal, wherein the account type is non-local when the user is accessing a terminal in a region other than the user'"'"'s local region; establishing, by the terminal and the front-end processor, a real-time interactive session directly between the user at the terminal and the front-end processor via the common interface; receiving, by the front-end processor via the common interface, an entry by the user of an access code at the terminal; providing verification to the terminal, by the front-end processor, of the access code entered by the user at the terminal; receiving, by the front-end processor via said common interface, a selection by the user at the terminal for a transaction request, wherein the transaction request is selected from a list of transactions common to each of the regions and presented to the user at the terminal by the front-end processor via the common interface; and performing, by the front-end processor via the common interface, the requested transaction for the user at the terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A computer system for providing multi-regional user access to perform financial transactions, comprising:
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a plurality of terminals deployed within each of a plurality of regions and coupled to at least one front-end processor, wherein the front-end processor serves as exclusive arbitrator of transaction acceptance and fulfillment for each of the terminals within each of the regions, wherein each of the terminals sharing a common interface with the front-end processor for all of the regions, wherein each of the terminals identifies a non-local user account type based on a user'"'"'s input received at the terminal and establishes a real-time interactive session directly between the user at the terminal and the front-end processor for the region via the common interface; wherein the front-end processor is programmed to; receive, via the common interface, the user'"'"'s entry of an access code at the terminal in response to a prompt of the user for the access code at the terminal by the front-end processor via the common interface and verifying by the front-end processor the entered access code; receive, via the common interface, a selection by the user at the terminal for a transaction request, wherein the transaction request is selected from a list of transactions common to each of the regions and presented to the user at the terminal by the front-end processor via the common interface; and perform, via the common interface, the requested transaction for the user at the terminal in the currency of the region of the terminal. - View Dependent Claims (22)
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Specification