Multi-transaction service system

• US 6,003,019 A
• Filed: 07/01/1997
• Issued: 12/14/1999
• Est. Priority Date: 11/29/1996
• Status: Expired due to Term

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Horn, David, Eaton, Morag M., Ambler, Stephen, Cranston, Ian A.
• Primary Examiner(s): Voeltz, Emanuel Todd
• Assistant Examiner(s): HAYES, JOHN W
• Application Number:
  US08/886,485
• Time in Patent Office: 896 Days
• Field of Search: 705/17, 705/26, 705/42, 705/43, 235/379, 235/380, 235/381, 395/200.31, 395/200.32, 395/200.33, 395/200.47, 395/200.48, 395/200.5
• US Class Current: 705/42
• 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 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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

Abstract

A customer (80) can request and receive a financial service through any of a number of channels (82,83,84,85,86,87), each connected to channel-specific hardware, respectively a digital telephone (92), an ATM (93), a branch office (94), a branch sales office (99), a self service sales terminal (95), a home banking PC (96) and an interactive television (97). Each service channel is connected through an integrated channel manager (100) to business operations means including a transaction processing host computer (112), a cheque processor (113), a relationship database manager (114), a financial call center (115), and an external financial database (111). The ICM 100 provides interfaces for each channel and each business operation means so far as the channel-specific and business operation-specific aspects are concerned, and also runs a number of business application services (142, 144, 146, 148), such as a balance inquiry service, which can interface with any channel and any business operation means independently of any channel-specific or operation-specific requirements.

Claims

1. A multi-transaction services system comprising:

a plurality of service request and supply channels, each channel including channel-specific hardware and software;

at least one operation means including operation-specific hardware and software; and

an integrated channel manager connected between the channels and the operation means, the integrated channel manager having (i) a first interface layer for interfacing the channel-specific components of each channel, (ii) a second interface layer for interfacing the operation means, and (iii) a third interface layer between the first and second interface layers and including at least one application service connectable to any channel in a channel-independent manner for performing one or more channel-independent functions using data supplied by the operations means, wherein the operations means is unaware of the function being performed by application service.

2. A multi-transaction services system according to claim 1, wherein (i) the plurality of channels comprise financial service channels, (ii) the operation means comprises a plurality of financial service operations means, and (iii) the application service comprises a plurality of business application services.

3. A multi-transaction services system according to claim 2, wherein the business application services comprise at least one of a balance inquiry, an account credit, an account debit, a cash deposit, a cash withdrawal, a cheque deposit, a cheque withdrawal, a loan inquiry, a mortgage inquiry, and an insurance inquiry.

4. A multi-transaction services system according to claim 2, wherein the financial service channels comprise at least one of an automated teller machine, a self service sales terminal, a home banking system, a digital telephone connection, a financial services branch office, a financial branch sales office, and an interactive television system.

5. A multi-transaction services system according to claim 2, wherein the operations means comprise at least one of a transaction processing host computer, an item processor, a relationship management database, a financial call center, and an external financial database.

6. A multi-transaction services system according to claim 2, wherein the integrated channel manager includes:

a first layer (L1) for receiving customer requests for a plurality of different channel-specific financial services and providing access to the operation, administration, and maintenance of the service requests;

a second layer (L2) for monitoring the operation of the business application services;

a third layer (L3) for providing interfaces between the plurality of channel-specific services and the plurality of financial service operation means, and providing the business application services;

a fourth layer (L4) for providing application enabling services; and

a fifth layer (L5) for providing distributed system services.

7. A multi-transaction services system according to claim 6, wherein the second, fourth, and fifth layers (L2, L4, L5) comprise the middleware NCR Top End.

8. A multi-transaction services system according to claim 1, wherein (i) the plurality of channels comprise retail service channels including at least two of a point of sale service, an automatic vending service, and a loyalty card service, and (ii) the operation means comprises at least a relationship database.

9. A method for providing multi-transaction services, comprising:

connecting an integrated channel manager between a plurality of service request and supply channels and at least one operations means, wherein each channel includes channel-specific hardware and software and the operation means includes operation-specific hardware and software;

providing a plurality interface layers in the integrated channel manager for the connected channels and the connected operation means, the provided interface layers comprising (i) a first interface layer for interfacing the channel-specific components of each channel, (ii) a second interface layer for interfacing the operation means, and (iii) a third interface layer between the first and second interface layers and including at least one application service connectable to any channel in a channel-independent manner for performing one or more channel-independent functions using data supplied by the operations means, wherein the operations means is unaware of the function being performed by application service.

10. A method of providing multi-transaction services according to claim 9, wherein (i) the plurality of channels comprise financial service channels, (ii) the operation means comprises a plurality of financial service operations means, and (iii) the application service comprises a plurality of business application services.

11. A method of providing multi-transaction services according to claim 10, wherein the business application services comprise at least one of a balance inquiry, an account credit, an account debit, a cash deposit, a cash withdrawal, a cheque deposit, a cheque withdrawal, a loan inquiry, a mortgage inquiry, and an insurance inquiry.

12. A method of providing multi-transaction services according to claim 10, wherein the financial service channels comprise at least one of an automated teller machine, a self service sales terminal, a home banking system, a digital telephone connection, a financial services branch office, a financial branch sales office, and an interactive television system.

13. A method of providing multi-transaction services according to claim 10, wherein the operations means comprise at least one of a transaction processing host computer, an item processor, a relationship management database, a financial call center, and an external financial database.

14. A method of providing multi-transaction services according to claim 10, wherein the integrated channel manager includes:

a first layer (L1) for receiving customer requests for a plurality of different channel-specific financial services and providing access to the operation, administration, and maintenance of the service requests;

a second layer (L2) for monitoring the operation of the business application services;

a third layer (L3) for providing interfaces between the plurality of channel-specific services and the plurality of financial service operation means, and providing the business application services;

a fourth layer (L4) for providing application enabling services; and

a fifth layer (L5) for providing distributed system services.

15. A method of providing multi-transaction services according to claim 14, wherein the second, fourth, and fifth layers (L2, L4, L5) comprise the middleware NCR Top End.

16. A method of providing multi-transaction services according to claim 9, wherein (i) the plurality of channels comprise retail service channels including at least two of a point of sale service, an automatic vending service, and a loyalty card service, and (ii) the operation means comprises at least a relationship database.