Interactive system for and method of performing financial transactions from a user base
DCFirst Claim
1. A system for performing an interactive data exchange function from a user base, the system including:
- a telephone instrument at the user base for entering request data relating to the data exchange function;
a telephone network for transmitting the request data to a computer network including one or more of a computer network of at least one financial institution;
a computer network of at least one vendor; and
a computer network of at least one service provider;
a receiver at the user base for receiving broadcast response signals broadcasted to many user bases simultaneously from the network and which signals include encoded response data effectively accessible only at the user base; and
a signal decoder and display at the user base connected to the receiver, said signal decoder decoding, for access only at the user base, the response data and the display displaying the data in real time and interactively with the request data entered.
2 Assignments
Litigations
0 Petitions
Accused Products
Abstract
There is disclosed and claimed a system for and a method of performing interactive data exchange, for example as part of a financial transaction, between a user base and a remote network. The system includes a request data input device 20. A telephone network 22 is connected to the device for transmitting the request data to the network 28. At the user base there is also provided a receiver for receiving response signals from the network and which signals include encoded response data. A signal decoder 14 is provided at the user base to decode the response data. A display 12 displays the response data interactively with the request data.
-
Citations
18 Claims
-
1. A system for performing an interactive data exchange function from a user base, the system including:
-
a telephone instrument at the user base for entering request data relating to the data exchange function;
a telephone network for transmitting the request data to a computer network including one or more of a computer network of at least one financial institution;
a computer network of at least one vendor; and
a computer network of at least one service provider;
a receiver at the user base for receiving broadcast response signals broadcasted to many user bases simultaneously from the network and which signals include encoded response data effectively accessible only at the user base; and
a signal decoder and display at the user base connected to the receiver, said signal decoder decoding, for access only at the user base, the response data and the display displaying the data in real time and interactively with the request data entered. - View Dependent Claims (2, 3, 4, 5, 8, 13)
-
-
6. A method of performing from a user base station interactive data exchange functions with a network including one or more of:
- a computer network of at least one financial institution;
a computer network of at least one vendor; and
a computer network of at least one service provider, the method including the steps of;(a) transmitting from the user base station request data relating to the interactive data exchange function;
(b) receiving the request data at the network and generating response data to the request data;
(c) broadcasting the response data to many user base stations simultaneously in encoded form so that it can only be decoded by a decoder designated by the user;
(d) receiving the broadcasted encoded response data at the user base station, and decoding the data using the designated decoder; and
(e) presenting the data in real time and interactively with the request data transmitted. - View Dependent Claims (9, 10, 11)
- a computer network of at least one financial institution;
-
7. A system for performing an interactive data exchange function from a user base, the system including:
-
an input arrangement at the user base for entering request data relating to the data exchange function;
a transmitter coupled to the input arrangement, the transmitter transmitting the request data to a computer network including one or more of a computer network of at least one financial institution;
a computer network of at least one vendor; and
a computer network of at least one service provider;
a receiver receiving broadcast response signals broadcasted to many receivers simultaneously from the network and which signals include encrypted response data; and
a signal decryptor connected to the receive for decrypting the response data and presenting the response data in real time and interactively with the request data entered. - View Dependent Claims (12, 14, 16)
-
-
15. A system for performing an interactive data exchange function from a user base, the system including:
-
a mobile telephone instrument at the user base for entering request data relating to the function, a mobile telephone network for transmitting the request data to a computer network including one or more of a computer network of at least one financial institution, a computer network of at least one vendor, and a computer network of at least one service provider;
a receiver at/in the mobile telephone instrument for receiving broadcast response signals broadcasted to many receivers simultaneously from the network and which signals include encoded response data and intended for access by the mobile phone, a signal decoder and a display at/in the mobile phone connected to the receiver for decoding the response data and displaying the data in real time and interactively with the request data entered.
-
-
17. A method of performing from a mobile telephone instrument interactive data exchange functions with a network including one or more of:
-
a computer network of at least one financial institution, a computer network of at least one vendor; and
a computer network of at least one service provider, the method including the steps of;
transmitting from the mobile telephone instrument request data relating to the function;
at the network receiving the request data and generating response data;
broadcasting the response data to many mobile telephone instruments simultaneously in an encoded form so that it can only be decoded by a decoder of the mobile instrument from where the request data was transmitted;
receiving the encoded data and decoding the data by means of the mobile telephone instrument; and
displaying the data in real time and interactively with the request data transmitted. - View Dependent Claims (18)
-
Specification