System and method for financial transactions
First Claim
Patent Images
1. A system for providing an insurance transaction, the system comprising:
- an automated teller machine (ATM) configured to allow a customer access to an account, whereby the customer is a first party that may operate the ATM to complete the insurance transaction relating to the account that is held by a second party;
a remote teller subsystem configured to provide a third party access to the account and access to operate the ATM via an electronic communications network wherein the remote teller subsystem is configured to enable the third party to operate the ATM to perform a transaction to dispense an insurance document following a request for help from the customer; and
a communication subsystem configured to allow communication between the third party and the customer using two-way audio communication and two-way video communication.
1 Assignment
0 Petitions
Accused Products
Abstract
Disclosed are systems and methods for providing a financial transaction. The systems and methods provide techniques for providing an automated teller machine (ATM) and allowing a customer to operate the ATM at the ATM to complete the transaction. In addition, the customer, while at the ATM, can communicate with a representative at a centralized hub that is remote from the ATM and the representative can take control of the ATM to complete the transaction.
48 Citations
15 Claims
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1. A system for providing an insurance transaction, the system comprising:
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an automated teller machine (ATM) configured to allow a customer access to an account, whereby the customer is a first party that may operate the ATM to complete the insurance transaction relating to the account that is held by a second party; a remote teller subsystem configured to provide a third party access to the account and access to operate the ATM via an electronic communications network wherein the remote teller subsystem is configured to enable the third party to operate the ATM to perform a transaction to dispense an insurance document following a request for help from the customer; and a communication subsystem configured to allow communication between the third party and the customer using two-way audio communication and two-way video communication. - View Dependent Claims (2, 3, 4, 5)
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6. A computer-readable medium comprising computer-readable instructions for providing an insurance transaction, said computer-readable instructions comprising instructions for:
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allowing a customer access to an account via an automated teller machine (ATM), whereby the customer is a first party that may operate the ATM to complete the insurance transaction relating to the account, and the ATM includes a video display device configured to display account information; receiving an assistance request from the customer at the ATM; contacting a third party for assistance with the insurance transaction; granting the third party access to remotely operate the ATM to assist with the insurance transaction, wherein the third party'"'"'s access is contingent on receiving the assistance request from the customer; communicating between the third party and the customer using two-way audio communication and two-way video communication; and
displaying, at the ATM, using at least a portion of the video display device, the third party assisting with the insurance transaction; anddispensing an insurance document, wherein the dispensing of the insurance document is at least partially based on the third party operating the ATM following the customer contacting the third party for assistance with the insurance transaction. - View Dependent Claims (7, 8, 9, 10)
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11. A method for providing a insurance transaction, the method comprising:
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allowing a customer access to an account via an automated teller machine (ATM), whereby the customer is a first party that may operate the ATM to complete the insurance transaction relating to the account that is held by a second party; receiving an assistance request from the customer at the ATM; contacting a third party for assistance with the insurance transaction; granting the third party access to operate the ATM via a communications network to assist with the insurance transaction, wherein the third party'"'"'s access is contingent on receiving the assistance request from the customer; communicating between the third party and the customer using two-way audio communication and two-way video communication to assist the customer in completing the transaction; and dispensing, by the ATM, an insurance document, wherein the dispensing of the insurance document is at least partially based on the third party operating the ATM following the customer contacting the third party for assistance with the insurance transaction. - View Dependent Claims (12, 13, 14, 15)
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Specification