Personal computer banking system and method
First Claim
1. A method of operating a banking system over a data transfer system comprising the steps of:
- inputting a customer banking request from among a menu of said banking requests at a personal computer;
transmitting said customer banking request to a host computer remote from said personal computer;
receiving said customer banking request at said host computer;
identifying a type of customer banking request received;
comparing said type of request to a stored table of request types, each of said request types having an attribute indicating whether said request type is capable of being fulfilled by a customer service representative or by an automated system; and
depending upon said attribute, directing said request either to a queue for handling of said request by a customer service representative or to a queue for processing said request by an automated system.
1 Assignment
0 Petitions
Accused Products
Abstract
A personal computer banking system and method in which a personal computer is connected by a network service provider directly to a host computer system of a bank such that customer service requests can be processed automatically without need for intervention by customer service representatives. The system is capable of distinguishing between those customer service requests which are capable of automated fulfillment and those requests which require handling by a customer service representative. The system is integrated with the host computer system of the bank so that the remote banking customer can access other automated services of the bank. The method of the invention includes the steps of inputting a customer banking request from among a menu of banking requests at a remote personnel computer; transmitting the banking requests to a host computer over a network; receiving the request at the host computer; identifying the type of customer banking request received; automatic logging of the service request, comparing the received request to a stored table of request types, each of the request types having an attribute to indicate whether the request type is capable of being fulfilled by a customer service representative or by an automated system; and, depending upon the attribute, directing the request either to a queue for handling by a customer service representative or to a queue for processing by an automated system.
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Citations
39 Claims
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1. A method of operating a banking system over a data transfer system comprising the steps of:
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inputting a customer banking request from among a menu of said banking requests at a personal computer;
transmitting said customer banking request to a host computer remote from said personal computer;
receiving said customer banking request at said host computer;
identifying a type of customer banking request received;
comparing said type of request to a stored table of request types, each of said request types having an attribute indicating whether said request type is capable of being fulfilled by a customer service representative or by an automated system; and
depending upon said attribute, directing said request either to a queue for handling of said request by a customer service representative or to a queue for processing said request by an automated system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A method of operating a banking system over a network comprising the steps of:
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inputting a customer banking request from among a menu of said banking requests at a personal computer;
transmitting said customer banking request to a host computer remote from said personal computer over a network;
authenticating said request, and sending an error message to said personal computer if proper authentication data is not received;
receiving said customer banking request at said host computer and automatically updating all account register files stored at said personal computer with transactions posted since an immediately previous session by reading a customer account file in a database of customer account profiles stored at said host computer;
identifying a type of customer banking request to determine whether said banking request is a home banking service request, and forwarding only those of said banking requests which comprise said service requests;
comparing said service request to a stored table of request types, each of said request types having an attribute indicating whether said request type is capable of being fulfilled by a customer service representative or by an automated system;
formatting a transaction associated with said request and, depending upon said attribute, directing said request either to a queue for handling of said request by a customer service representative or directing said request to a queue for processing said request by an automated system;
logging said request;
updating a customer account file at said host computer subsequent to both said processing or said handling of said service request; and
encrypting and sending a confirmation of receipt of said request to said personal computer. - View Dependent Claims (20, 21, 22, 23)
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24. A computer readable memory for directing a computer network to perform a method of operating a banking system comprising the steps of:
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providing a system for storing information pertaining to a customer'"'"'s account;
receiving a banking request selected by a customer from among a menu of said banking requests stored at a remote personal computer;
identifying a type of customer banking request received;
comparing said type of request to a stored table of request types, each of said request types having an attribute indicating whether said request type is capable of being fulfilled by a customer service representative or by an automated system; and
depending upon said attribute, directing said request either to a queue for handling of said request by a customer service representative or to a queue for processing said request by an automated system. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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Specification