Personal banker customer management system providing interactive video communication in real time concerning banking information
First Claim
Patent Images
1. A method for managing real time interaction between a bank customer at one of a plurality of kiosk locations and access from the kiosk to bank information files and one among a plurality of personal bankers stationed at a location remote from the kiosk in which the customer, at the customer'"'"'s discretion, may optionally request video access to a banker for a conversation, comprising:
- providing a plurality of customer kiosks, each at a location remote from the bankers, and each kiosk having a video camera, a video screen, means for communicating with a bank central information processor regarding customer'"'"'s accounts and bank products and information, and means by which a customer can input choices regarding customer accounts and bank products and services and discretionarily register a request for video conversation to a banker;
connecting the means in the customer kiosk to a bank central information processor that contains information and data files regarding customer accounts and bank products and information, the connection allowing data communication between the kiosk and the central information processor in response to customer input at the kiosk;
providing a plurality of banker stations, each having a video camera, a video screen, means for receiving customer input transmitted from a kiosk, means for accessing information regarding customer'"'"'s accounts and bank products and information, and means by which a banker at the station can initiate a video connection for conversation with a customer at a kiosk;
connecting the banker stations to the bank central information processor that contains information and data files regarding customer accounts and bank products and information, the connection allowing data communication between the banker station and the central information processor;
connecting each of the kiosks and the banker stations to a central exchange that is capable of providing an interconnection between any one of the kiosks sending a request for video conversation and any one of the banker stations in response to a request received from a kiosk, the exchange monitoring each of the banker stations with regard to whether the station is connected with a kiosk and whether the banker at the station is available, the exchange, upon receipt of the conversation request from the kiosk, transmitting a signal from the kiosk to a signal distributor, the signal distributor processing the requests received, dependent upon the availability of a banker from among the plurality, according to a sequence of (a) direct connection to an available banker and (b) hold, (c) queue and (d) transfer to a next available banker, and identifying by a signal to the banker determined in the sequence process, the kiosk from which the request for video conversation with a banker was initiated; and
connecting the banker upon the banker'"'"'s receipt of the signal processed by the signal distributor, with the customer at the requesting kiosk through the video cameras and video screens at each location through an interconnection effected between the two at the central exchange whereby the banker initiates direct interactive video conversation with the customer at the kiosk requesting the conversation.
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Accused Products
Abstract
A system and process for providing financial services via video in real time to a customer at one of a plurality of remote locations from one of a plurality of personal bankers at a central location via a video self-service device.
167 Citations
15 Claims
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1. A method for managing real time interaction between a bank customer at one of a plurality of kiosk locations and access from the kiosk to bank information files and one among a plurality of personal bankers stationed at a location remote from the kiosk in which the customer, at the customer'"'"'s discretion, may optionally request video access to a banker for a conversation, comprising:
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providing a plurality of customer kiosks, each at a location remote from the bankers, and each kiosk having a video camera, a video screen, means for communicating with a bank central information processor regarding customer'"'"'s accounts and bank products and information, and means by which a customer can input choices regarding customer accounts and bank products and services and discretionarily register a request for video conversation to a banker; connecting the means in the customer kiosk to a bank central information processor that contains information and data files regarding customer accounts and bank products and information, the connection allowing data communication between the kiosk and the central information processor in response to customer input at the kiosk; providing a plurality of banker stations, each having a video camera, a video screen, means for receiving customer input transmitted from a kiosk, means for accessing information regarding customer'"'"'s accounts and bank products and information, and means by which a banker at the station can initiate a video connection for conversation with a customer at a kiosk; connecting the banker stations to the bank central information processor that contains information and data files regarding customer accounts and bank products and information, the connection allowing data communication between the banker station and the central information processor; connecting each of the kiosks and the banker stations to a central exchange that is capable of providing an interconnection between any one of the kiosks sending a request for video conversation and any one of the banker stations in response to a request received from a kiosk, the exchange monitoring each of the banker stations with regard to whether the station is connected with a kiosk and whether the banker at the station is available, the exchange, upon receipt of the conversation request from the kiosk, transmitting a signal from the kiosk to a signal distributor, the signal distributor processing the requests received, dependent upon the availability of a banker from among the plurality, according to a sequence of (a) direct connection to an available banker and (b) hold, (c) queue and (d) transfer to a next available banker, and identifying by a signal to the banker determined in the sequence process, the kiosk from which the request for video conversation with a banker was initiated; and connecting the banker upon the banker'"'"'s receipt of the signal processed by the signal distributor, with the customer at the requesting kiosk through the video cameras and video screens at each location through an interconnection effected between the two at the central exchange whereby the banker initiates direct interactive video conversation with the customer at the kiosk requesting the conversation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system for managing real time interactive access by a bank customer at one of a plurality of kiosk locations to (a) information about customer accounts and bank products and services, and (b) two way video contact with one among a plurality of personal bankers stationed at a location remote from the kiosk in which, at the customer'"'"'s discretion at the kiosk, a video conversation with a banker may be requested, comprising:
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a plurality of customer kiosks, each at a location remote from the bankers, and each having a video camera, a video screen, means for receiving customer input regarding customer'"'"'s accounts and bank products and information, and means by which a customer can input choices regarding customer accounts and bank products and services and optionally register a request for a video conversation with a banker; means for connecting the customer kiosk to a bank central information processor that contains information and data files regarding customer accounts and bank products and services and for transmitting the customer'"'"'s input to the processor, the connection allowing data communication between the kiosk and the central information processor in response to customer input at the kiosk; a plurality of banker stations, each having a video camera, a video screen, means for receiving customer input transmitted from a kiosk and means by which a banker at the station can initiate a video connection to a customer at a kiosk; means for connecting the banker stations to the bank central information processor that contains information and data files regarding customer accounts and bank products and services, the connection allowing data communication between the banker station and the central information processor; means for connecting each of the kiosks and each of the banker stations to a central exchange that is capable of selectively providing an interconnection between any one of the kiosks and any one of the banker stations; means for allowing a customer at a kiosk to register a request for a video conversation with a banker, said means transmitting a signal to a signal distributor, the signal distributor including means for monitoring each of the banker stations with regard to whether the station is available for connection to a kiosk and further means for processing the requests received, dependent upon the availability of a banker from among the plurality, according to a sequence of direct connection to an available banker and hold, queue and transfer to a next available banker, and further means for identifying by a signal to the banker determined in the process of the distributor, the kiosk from which the customer'"'"'s request for video conversation was initiated; and means for allowing a banker, upon a banker'"'"'s receipt of a signal processed by the signal distributor, to initiate direct interactive video communication with the customer at the requesting kiosk through the video cameras and video screens at each location through an interconnection effected between the two at the central exchange. - View Dependent Claims (14, 15)
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Specification