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System and Method for Delivering Financial Services

  • US 20120078794A1
  • Filed: 11/17/2011
  • Published: 03/29/2012
  • Est. Priority Date: 10/31/1996
  • Status: Active Grant
First Claim
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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:

  • 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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