System and Method for Delivering Financial Services
First Claim
1. A platform-independent method for configuring a self-service financial transaction device in a global communications network having a plurality of nodes interconnected with communication lines, comprising:
- receiving, using a self-service financial transaction device processor, a session request from a customer using a transaction card at an interactive interface to access said self-service financial transaction device;
associating, using the self-service financial transaction device processor, said session request with pre-defined customer parameters to display a standardized customer-specific interactive interface;
displaying, using the self-service financial transaction device processor, said standardized customer-specific interactive interface to provide said customer with at least one financial offering; and
receiving a financial request from said customer to complete said financial offering;
implementing said financial request from said customer to complete said financial offering;
updating said customer parameters in said global communications network upon completion of said financial offering associated with said financial request;
wherein said self-service financial transaction device communicates with a rule broker component of said global communications network, which rule broker component registers a rule authority associated with one of said pre-defined customer parameters, and which rule authority queries a database of business rules and returns a business rule that is used to configure said standardized customer-specific interactive interface; and
wherein said self-service financial transaction device also communicates with a language man component of said global communications network, which language man component stores a repository of phrases associated with one of said pre-defined customer parameters, and wherein a language man authority queries said repository of phrases and returns a named phrase that is also used to configure said standardized customer-specific interactive interface.
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Accused Products
Abstract
A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. The system and method operate in sessions and, for instance, 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. The system and method provide state-of-the art interfaces that can be configured and delivered to the customer in a globally consistent format that is based on the customer'"'"'s account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.
19 Citations
50 Claims
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1. A platform-independent method for configuring a self-service financial transaction device in a global communications network having a plurality of nodes interconnected with communication lines, comprising:
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receiving, using a self-service financial transaction device processor, a session request from a customer using a transaction card at an interactive interface to access said self-service financial transaction device; associating, using the self-service financial transaction device processor, said session request with pre-defined customer parameters to display a standardized customer-specific interactive interface; displaying, using the self-service financial transaction device processor, said standardized customer-specific interactive interface to provide said customer with at least one financial offering; and receiving a financial request from said customer to complete said financial offering; implementing said financial request from said customer to complete said financial offering; updating said customer parameters in said global communications network upon completion of said financial offering associated with said financial request; wherein said self-service financial transaction device communicates with a rule broker component of said global communications network, which rule broker component registers a rule authority associated with one of said pre-defined customer parameters, and which rule authority queries a database of business rules and returns a business rule that is used to configure said standardized customer-specific interactive interface; and wherein said self-service financial transaction device also communicates with a language man component of said global communications network, which language man component stores a repository of phrases associated with one of said pre-defined customer parameters, and wherein a language man authority queries said repository of phrases and returns a named phrase that is also used to configure said standardized customer-specific interactive interface. - View Dependent Claims (2, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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3-8. -8. (canceled)
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26. A platform-independent system for configuring a self-service financial transaction device in a global communications network having a plurality of nodes interconnected with communication lines, comprising:
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a self-service financial transaction device processor coupled to memory, said processor being programmed for; receiving, using a self-service financial transaction device processor, a session request from a customer using a transaction card at an interactive interface to access said self-service financial transaction device; associating, using the self-service financial transaction device processor, said session request with pre-defined customer parameters to display a standardized customer-specific interactive interface; displaying, using the self-service financial transaction device processor, said standardized customer-specific interactive interface to provide said customer with at least one financial offering; receiving a financial request from said customer to complete said financial offering; implementing said financial request from said customer to complete said financial offering; updating said customer parameters in said global communications network upon completion of said financial offering associated with said financial request; wherein said self-service financial transaction device communicates with a rule broker component of said global communications network, which rule broker component registers a rule authority associated with one of said pre-defined customer parameters, and which rule authority queries a database of business rules and returns a business rule that is used to configure said standardized customer-specific interactive interface; and wherein said self-service financial transaction device also communicates with a language man component of said global communications network, which language man component stores a repository of phrases associated with one of said pre-defined customer parameters, and wherein a language man authority queries said repository of phrases and returns a named phrase that is also used to configure said standardized customer-specific interactive interface. - View Dependent Claims (27, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50)
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28-33. -33. (canceled)
Specification