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Bank-centric service platform, network and system

  • US 5,899,982 A
  • Filed: 06/25/1998
  • Issued: 05/04/1999
  • Est. Priority Date: 03/08/1995
  • Status: Expired due to Term
First Claim
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1. A bank-centric service platform that enables access by a bank customer at a remote location to financial information, products and services accessible through a bank central information processor and to a banker by a video connection through a network communication link comprising:

  • a central information processor at a central location of the 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;

    an access gateway interconnected to said bank central information processor;

    a client server operatively interconnected to communicate with a customer operable transceiver at a remote location, said client server enabling live video from the bank to the customer substantially simultaneously with real-time data transmission between the customer operable transceiver and said central information processor through said client server, said client server processing communications to and from the customer operable transceiver, and enabling the customer using the transceiver to access and control items in, and perform transactions with respect to, information products and services of the bank in said data storage files of said central information processor, and in which said client server is interconnected with a plurality of banker stations capable of interconnection with the customer operable transceiver in response to a request for video connection received from the customer operable transceiver, said client server monitoring each of said banker stations with regard to whether said banker stations are connected with a customer operable transceiver and whether the bankers at the banker stations are available, the client server, upon receipt of the video connection request from the customer operable transceiver processes 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 whereby upon the banker'"'"'s receipt of a signal processed by said client server, the banker initiates a video connection with the customer.

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