Method and apparatus for providing access to a plurality of payment networks

• US 5,424,938 A
• Filed: 10/13/1992
• Issued: 06/13/1995
• Est. Priority Date: 10/13/1992
• Status: Expired due to Term

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: First Chicago Corp. (JP Morgan Chase & Co)
• Inventors: Liddy, Martha A., Wetmore, Carol J., Nelson, Lori A., Wagner, Christopher L.
• Primary Examiner(s): Hayes, Gail O.
• Assistant Examiner(s): Shingala, Gita
• Application Number:
  US07/960,978
• Time in Patent Office: 973 Days
• Field of Search: 364/401, 364/402, 364/408, 235/379, 235/380, 235/381, 235/382
• US Class Current: 705/42
• CPC Class Codes: G06F 9/451 Execution arrangements for user interfaces
• CPC Class Codes: G06F 9/466 Transaction processing
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

An interface system for providing access to a plurality of payment networks is provided that displays to a user a single transaction entry screen capable of initiating a monetary payment transaction over any of a number of differing payment networks. The interface is coupled to a display of a remote computer operated by the user. A plurality of such remote computers are coupled to a central computer, which transfers payment requests initiated by the user to the various selected payment networks. Selection logic is provided at the remote computers to allow the operator to select the particular payment network desired for each particular transaction. Upon selection of the desired payment initiation routine, the interface dynamically prompts the user only for data applicable and necessary to complete the particular transaction.

Claims

1. An interface for providing access to a plurality of payment networks comprising:

a display comprising a uniforn transaction entry screen, the uniform transaction entry screen displaying to a user a plurality of data input fields common to each of the plurality of payment networks, each data input field prompting for the data necessary for initiation of a transaction over any of the plurality of payment networks;

means coupled to the display for supplying the data necessary to a particular transaction;

means coupled to the display for allowing the user to customize the transaction entry screen in order to select one of the plurality of payment networks to be employed with the particular transaction and generating a signal identifying the particular transaction and payment network selected;

means for dynamically enabling and disabling certain of the plurality of data input fields in response to data received from the user; and

interface logic, coupled to the display, operative to transmit the signal and initiate the particular transaction employing the payment network selected.

2. A system for providing access to a plurality of payment networks comprising:

a central computer, the central computer operatively connected to receive signals from a remote computer, each signal representing a particular transaction for completion through one of the plurality of payment networks;

a display coupled to the remote computer, the display having a uniform transaction entry screen comprising a plurality of data input fields common to each payment network, each field prompting for and displaying data received from a user necessary for initiation of the particular transaction;

input logic coupled to the display, the input logic operative to receive from the user the specific terms of the particular transaction corresponding to the data input fields;

selection logic coupled to the display, the selection logic configured to allow the user to customize the transaction entry screen in order to select the payment network to be employed with the particular transaction and generate a signal indicative of the specific terms of the transaction and the payment network selected;

means for interactively enabling and disabling certain of the plurality of data input fields in response to data received from the use; and

interface logic coupled to the central computer, the interface logic receiving the signal from the selection logic and communicating the particular transaction over the selected payment network.

3. The interface defined in claim 2, further comprising storage logic coupled to the remote computer, the storage logic for storing the data applicable to a particular transaction for subsequent transmission to the central computer.

4. The interface defined in claim 2, wherein the remote computer comprises a plurality of remote computers.

5. The interface defined in claim 2, wherein the uniform transaction entry screen further comprises drop-down lists for selecting the payment network and providing the data applicable to the particular transaction.

6. The interface defined in claim 2, further comprising means for coupling the central computer to the remote computer.

7. The interface defined in claim 6, wherein the means for coupling the central computer to the remote computer comprises a modem.

8. The interface defined in claim 2, wherein the remote computer comprises a personal computer.

9. The interface defined in claim 2, wherein the central computer comprises a mainframe computer.

10. The interface defined in claim 2, wherein the initiation of a transaction over the plurality of payment networks comprises selection of an icon appearing on the display.

11. The interface defined in claim 2, further comprising means for prompting the user for the data applicable to a particular transaction based upon the payment network selected.

12. The interface defined in claim 2, further comprising means for maintaining a summary of past transactions that have taken place on the remote computer.

13. The interface defined in claim 2, wherein he selection logic comprises a keyboard.

14. The interface defined in claim 2, wherein he selection logic comprises a mouse.

15. The interface defined in claim 2, wherein the input logic comprises a keyboard.

16. A system for providing access to a plurality of payment networks comprising:

a central computer, the central computer operatively connected to receive signals from a remote computer, each signal representing a particular transaction for completion through one of the plurality of payment networks;

means coupled to the remote computer for displaying a uniform transaction entry window comprising a plurality of data input fields common to each payment network, each field prompting for and displaying data received from a user to specify the particular transaction;

selection logic coupled to the remote computer, the selection logic to allow the user to customize the transaction entry window in order to select the payment network to be employed with the particular transaction and generating a signal indicative of the payment network selected;

data entry means coupled to the remote computer, the data entry means for receiving user supplied data identifying the specific terms of the particular transaction;

means for interactively enabling and disabling certain of the plurality of data input fields in response to data received from the input means; and

communications logic coupled to the central computer, the communications logic receiving the signal from the selection logic for communication to the selected payment network.

17. The system defined in claim 16, further comprising storage logic coupled to the remote computer, the storage logic for storing the data applicable to a particular transaction for subsequent transmission to the central computer.

18. The system defined in claim 16, wherein the remote computer comprises a plurality of remote computers.

19. The system defined in claim 16, wherein the uniform transaction entry screen further comprises drop-down lists for selecting the payment network and providing the data applicable to the particular transaction.

20. The system defined in claim 16, further comprising means for coupling the central computer to the remote computer.

21. The system defined in claim 20, wherein the means for coupling the central computer to the remote computer comprises a modem.

22. The system defined in claim 16, wherein the remote computer comprises a personal computer.

23. The system defined in claim 16, wherein the central computer comprises a mainframe computer.

24. The system defined in claim 16, wherein the initiation of a transaction over one of the plurality of payment networks comprises selection of an icon appearing on the display.

25. The system defined in claim 16, further comprising means for prompting a user for the data applicable to the particular transaction based upon the payment network selected.

26. The system defined in claim 16, further comprising means for maintaining a summary of past transactions that have taken place on the remote computer.

27. The system defined in claim 16, wherein the selection logic comprises a keyboard.

28. The system defined in claim 16, wherein the selection logic comprises a mouse.

29. The system defined in claim 16, wherein the data entry means comprises a keyboard.

30. The system defined in claim 16, further comprising interface logic coupled to the central computer, the interface logic to communicate the signal to the plurality of payment networks.

31. A method for providing access to a plurality of payment networks comprising the steps of:

presenting an operator with a uniform transaction entry screen comprising a plurality of data input fields common to each of the plurality of payment networks, each data input field prompting for data from the operator necessary for initiation of a transaction over any of the plurality of payment networks;

inputting the data necessary for a particular transaction;

allowing the operator to customize the transaction entry screen in order to select a payment network to be employed with the particular transaction;

generating a signal representative of the input data and the payment network selected; and

communicating the signal to the particular payment network selected.

32. The method defined in claim 31, further comprising the step of disabling certain of the data entry fields not pertinent to the payment network selected in response to the data supplied by the operator.

33. The method defined in claim 31, wherein the data supplied by the operator comprises user account data and transaction location data.

34. A method for providing access to a plurality of payment networks comprising the steps of:

displaying a uniform transaction entry window comprising a plurality of data input fields common to each of the plurality of payment networks, each field prompting for and displaying data received from a user necessary for initiation of a particular transaction over the plurality of payment networks;

supplying at the data input fields specific data relevant to a particular transaction;

dynamically enabling and disabling certain of the plurality of data input fields in response to the data received;

allowing the user to customize the transaction entry screen in order to select one of the plurality of payment networks to be employed with the transaction;

generating a signal indicating the specific data supplied and the payment network selected; and

receiving the signal from the selection means and initiating the particular transaction over the payment network selected.

35. A method for providing access to a plurality of payment networks comprising the steps of:

providing a central computer, the central computer operatively connected to receive signals from a remote computer, each signal representing a particular transaction for completion through one of the plurality of payment networks;

displaying on the remote computer a uniform transaction entry screen comprising a plurality of data input fields common to each payment network, each field prompting for and displaying data received from a user to specify the particular transaction;

interactively enabling and disabling certain of the plurality of data input fields in response to the data supplied by the user;

allowing the user to customize the transaction entry screen in order to select the payment network to be employed with the particular transaction and generating a signal indicative of the particular payment network selected;

supplying data applicable to the particular transaction; and

providing communications logic coupled to the central computer, the communications logic receiving the signal from the selection logic for communication to a payment network.

36. The method defined in claim 35, further comprising the step of providing storage logic coupled to the remote computer, the storage logic for storing the data applicable to a particular transaction for subsequent transmission to the central computer.

37. The method defined in claim 35, further comprising the step of providing at the uniform transaction entry screen lists for selecting the payment network and providing the data applicable to the particular transaction.

38. The method defined in claim 35, wherein the data supplied comprises user account data and transaction location data.

39. The method defined in claim 35, further comprising the step of prompting a user for the data applicable to a particular transaction based upon the payment network selected.

40. The method defined in claim 35, further comprising the step of maintaining a summary of past transactions that have taken place on the remote computer.

41. A system for providing access to a plurality of payment networks, said system having a uniform transaction entry screen, comprising:

a plurality of data input fields common to each of the plurality of payment networks, the plurality of data input fields providing a common protocol for communicating with the plurality of payment networks, wherein each of the data input fields is capable of displaying data received from a user to specify a particular payment transfer for completion over a selected payment network;

means for customizing the transaction entry screen to allow the user to select one of the plurality of payment networks for completion of a specific payment transfer;

means for receiving data pertinent for a particular payment transfer over the selected payment network;

means for dynamically enabling and disabling certain of the data input fields in response to the data received for the particular payment transfer; and

means for initiating the payment transfer over the selected payment network.