Bank-centric service platform, network and system

• US 5,787,403 A
• Filed: 03/08/1995
• Issued: 07/28/1998
• Est. Priority Date: 03/08/1995
• Status: Expired due to Term

• Current Assignee: DataTreasury Corporation
• Original Assignee: Huntington Bancshares Incorporated
• Inventors: Randle, William M.
• Primary Examiner(s): Kuntz, Curtis
• Assistant Examiner(s): LOOMIS, PAUL A
• Application Number:
  US08/401,075
• Time in Patent Office: 1,238 Days
• Field of Search: 264/401 R, 264/401 N, 264/408, 375/91, 375/93, 375/90, 310/825.23, 335/375, 335/382, 335/383, 335/380, 395/183.2, 395/200.2, 395/200.7, 395/200.9, 395/925, 348/13, 348/14, 348/15, 365/243, 365/242, 365/235, 365/239, 705/43, 705/42, 705/35, 705/39
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04N 7/142 Constructional details of the terminal equipment, e.g. arrangements of the camera and the display

Abstract

A banking service platform is provided that enables bank-centric access and control by a customer at a remote location of financial information, products and services maintained by a bank at a central location and provides an access gateway from the bank to non-bank information, products and services of providers not otherwise related to the bank.

Claims

1. A bank-centric service platform that enables access by a bank customer at a remote location to financial information, products and services maintained by a bank at a central location and to financial and non-financial information, products and services of other providers accessible through the bank, said banking service platform comprising:

a central information processor at the central location of a bank, said processor including data storage files relating to bank customers and accounts as the bank maintains these files in the ordinary course and categories of financial information, products and services conventionally offered by the bank;

a branded access gateway interconnected to the bank central information processor providing communication with other providers of financial and non-financial information, products and services with which a bank customer may initiate a transaction, the branded access gateway being controlled by the bank and having characteristics uniquely associated with the bank;

a client server operatively interconnected to communicate with customer operable transceivers at remote locations, said client server enabling live video-conferencing between the bank and a customer substantially simultaneously with real-time data transmission between said customer operable transceiver and said central information processor through said client server, said client server processing communications to and from said customer operable transceivers, and enabling a customer using the transceiver to access and control items in, and perform transactions with respect to, information products and services of the bank in the data storage files of the central information processor and to access the financial and non-financial information, products and services of other providers that are accessible through the branded gateway from said central information processor and to initiate transactions therewith.

2. The banking service platform of claim 1 wherein said transceiver is one of the group consisting of a telephone, smart telephone, computer, ATM point of sale terminal, interactive television, video banking machine, video phone, TDD device and other data input/output devices.

3. The banking service platform of claim 1 further including security means preventing unauthorized access to said service platform from said customer operable transceiver.

4. The banking service platform of claim 2 further including an encryption means controlling access with respect to the platforms at one or more of the relationships between the transceiver, the client server, the bank central information processor, the gateway and third party providers and sub-providers.

5. The banking service platform of claim 1 wherein categories of financial information, products and services available to a bank customer comprise one or more of the group consisting of balance inquiry, transaction information, funds transfer, bill payment, brokerage investment, brokerage information, loan applications, loan account review, commercial banking, and the gateway connects to financial and non-financial products and services available from third parties.

6. The banking service platform of claim 1 wherein said client server includes the capability to serve a plurality of customers simultaneously.

7. The banking service platform of claim 1 wherein new services are downloadable from said client server to said customer operable transceiver.

8. The banking service platform of claim 1 wherein new services can be created and/or changed on-line.

9. The bank-centric service platform of claim 1 further including a real-time resource consumption indicator for real-time billing to the bank customer for the products and services provided.

10. The bank-centric service platform of claim 1 wherein the financial and non-financial information, products and services accessible through the branded access gateway include means whereby the cost of an order or transaction placed by a customer is charged to the customer'"'"'s account at the bank.

11. The bank-centric service platform of claim 5 including financial and non-financial information, products and services accessible through the branded access gateway and further including means interconnected with the bank central information processor whereby the cost of an order or transaction placed by a bank customer is charged to a customer'"'"'s account at the bank for payment.

12. The banking service platform of claim 1 further comprising a communications controller interconnected to said client server and said transceiver to route communications between said transceiver and said client server.

13. A network service platform that enables access by a customer at a remote location to financial information, products and services maintained by a bank at a central location and to financial and non-financial information, products and services of other providers accessible through the network comprising:

a central information processor at the central location of a bank, said processor including data storage file relating to bank-customers and accounts as the bank maintains these files in the ordinary course and categories of financial information, products and services conventionally offered by the bank;

a network processor interconnected to the central information processor at the bank and providing a branded network access gateway for communication with other providers of financial and non-financial information, products and services with which a bank customer may initiate a transaction;

the branded access gateway being controlled by the bank and having characteristics uniquely associated with the bank;

a client server operatively interconnected to communicate with customer operable transceivers at remote locations, said client server enabling live video-conferencing between the bank and a customer substantially simultaneously with real-time data transmission between said customer operable transceiver and said central information processor through said client server, said client server processing communications to and from said customer operable transceivers, and enabling a bank customer using the transceiver to access and control items in, and perform transactions with respect to, information products and services of the bank in the data storage files of the bank central information processor and to access the financial and non-financial information, products and services of other providers that are accessible through the network access gateway.

14. The platform of claim 13 including an interconnection between the central information processor at the bank and the service provider processor for the network access gateway.

15. The network service platform of claim 13 further comprising a communications controller interconnected to said client server and said transceiver to route communications between said transceiver and said client server.

16. The network service platform of claim 13 wherein categories of financial information, products and services available to a bank customer comprise one or more of the group consisting of balance inquiry, transaction information, funds transfer, bill payment, brokerage investment, brokerage information, loan applications, loan account review, commercial banking, and the gateway connects to financial and non-financial products and services available from third parties.

17. The network service platform of claim 16 including financial and non-financial information, products and services accessible through the gateway and further including means interconnected with the network service provider processor whereby the cost of an order or transaction placed by a customer is charged to a customer'"'"'s account at the bank or another account.

18. The network service platform of claim 13 wherein said transceiver is one of the group consisting of a telephone, smart telephone, computer, ATM point of sale terminal, interactive television, video banking machine, video phone, TDD device and other data input/output devices.