Interactive point access financial and information system
First Claim
1. An interactive point access financial and information system that enables a customer to remotely perform financial operations and obtain information, the system comprising:
- a central computer module;
a customer service representative module operably connected to the central computer; and
a customer access station at a location that is remote from the central computer module and the customer service representative module, wherein the customer access station comprises;
an automated teller module operably connected to the central computer module, wherein the automated teller module permits the customer to make withdrawals, deposits and inquiries with respect to accounts on record at the central computer module; and
a customer module operably connected to the central computer module and the customer service representative module that enables the customer to interact in real time with a customer service representative through the customer service representative module, wherein the customer module comprises;
a printer for printing account information and account applications on demand;
a scanner for scanning account applications that have been completed by the customer and additional documentation needed to process the account application;
a telephone for transmitting and receiving sound between the customer module and the customer service representative module;
a video camera for capturing images and transmitting the images to the customer service representative module; and
an image display for displaying images of the customer service representative.
1 Assignment
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Accused Products
Abstract
The invention relates to a remote interactive point access banking and information system. Particularly, the invention discloses an integrated set of platforms presenting various service and transaction options to a customer. The invention enables a customer to access personal account information, apply for a loan, make commercial deposits and videoconference, in real-time, with a bank representative at the main office. A software implemented in preferably a mainframe computer provides direct access to the bank'"'"'s database to which a customer is able to connect to execute transactions. One of the many aspects of the invention includes a plurality of platforms integrated to provide the customer with a full banking service such that the customer is enabled to access and execute all major transactions including internet and fax communications. The invention further provides the customer with information regarding banking services, other investment and finance related intelligence. The invention is modular and expandable to be compatible to emerging technologies such as the internet/intranet, cellular systems and high bandwidth digital communications so that both individual and institutional customers may be able to access full banking services from remote locations. Further, the invention is expandable to enable customers to access their account and execute transactions via the internet worldwide.
179 Citations
19 Claims
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1. An interactive point access financial and information system that enables a customer to remotely perform financial operations and obtain information, the system comprising:
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a central computer module;
a customer service representative module operably connected to the central computer; and
a customer access station at a location that is remote from the central computer module and the customer service representative module, wherein the customer access station comprises;
an automated teller module operably connected to the central computer module, wherein the automated teller module permits the customer to make withdrawals, deposits and inquiries with respect to accounts on record at the central computer module; and
a customer module operably connected to the central computer module and the customer service representative module that enables the customer to interact in real time with a customer service representative through the customer service representative module, wherein the customer module comprises;
a printer for printing account information and account applications on demand;
a scanner for scanning account applications that have been completed by the customer and additional documentation needed to process the account application;
a telephone for transmitting and receiving sound between the customer module and the customer service representative module;
a video camera for capturing images and transmitting the images to the customer service representative module; and
an image display for displaying images of the customer service representative. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. An interactive point access financial and information system that enables a customer to remotely perform financial operations and obtain information, the system comprising:
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a central computer module;
a customer service representative module operably connected to the central computer; and
a customer access station at a location that is remote from the central computer module and the customer service representative module, wherein the customer access station comprises;
an automated teller module operably connected to the central computer module, wherein the automated teller module permits the customer to make withdrawals, deposits and inquiries with respect to accounts on record at the central computer module; and
a customer module operably connected to the central computer module and the customer service representative module that enables the customer to interact in real time with a customer service representative through the customer service representative module, wherein the customer module comprises;
printing means for printing account information and account applications on demand;
scanning means for scanning account applications that have been completed by the customer and additional documentation needed to process the account application;
sound transmission means for transmitting and receiving sound between the customer module and the customer service representative module;
image capturing means for capturing and transmitting images to the customer service representative module; and
image display means for displaying images of the customer service representative. - View Dependent Claims (11, 12, 13, 14)
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15. A method of enabling a customer to remotely perform financial operations and obtain information, the method comprising:
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providing a central computer module;
operably connecting a customer service representative module to the central computer module;
operably connecting an automated teller module to the central computer module, wherein the automated teller module permits the customer to make withdrawals, deposits and inquiries with respect to accounts on record at the central computer module;
operably connecting a customer module to the central computer module and the customer service representative module that enables the customer to interact in real time with a customer service representative through the customer service representative module, wherein the customer module at a location that is remote from the central computer module and the customer service representative module;
printing, at the customer module, account information documentation and account applications on demand;
scanning, at the customer module, account applications that have been completed by the customer and additional documentation needed to process the account application;
transmitting and receiving sound between the customer module and the customer service representative module;
capturing images and transmitting the images to the customer service representative module; and
displaying images of the customer service representative. - View Dependent Claims (16, 17, 18, 19)
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Specification