Global method and system for providing enhanced transactional functionality through a customer terminal

• US 8,204,830 B2
• Filed: 04/21/2011
• Issued: 06/19/2012
• Est. Priority Date: 10/31/1996
• Status: Expired due to Fees

• Current Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated)
• Original Assignee: Citicorp Development Center Incorporated (Citigroup Incorporated)
• Inventors: Bryant, Nancy, Schechtman, Howard A., Warren, Lucilla, Yu, Wigberto, Meiroff, Netty
• Primary Examiner(s): Subramanian, Narayanswamy
• Application Number:
  US13/091,296
• Publication Number:
  US 20110213708A1
• Time in Patent Office: 425 Days
• Field of Search: 705/35, 705 43- 44
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/206 Software aspects at ATMs

Abstract

A global customer activated terminal (CAT) primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user'"'"'s full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.

Claims

1. A computer-implemented method for providing multi-regional user access to perform financial transactions, the method comprising:

receiving, by at least one front-end processor from a terminal in one of a plurality of regions, instructions for a financial transaction;

identifying, by the terminal, a non-local user account type based on a user'"'"'s input received at the terminal,

wherein the account type is non-local when the user is accessing a terminal in a region other than the user'"'"'s local region;

establishing, by the terminal and the front-end processor, a real-time interactive session directly between the user at the terminal and the front-end processor via the common interface;

receiving, by the front-end processor via the common interface, an entry by the user of an access code at the terminal;

providing verification to the terminal, by the front-end processor, of the access code entered by the user at the terminal;

receiving, by the front-end processor via said common interface, a selection by the user at the terminal for a transaction request, wherein the transaction request is selected from a list of transactions common to each of the regions and presented to the user at the terminal by the front-end processor via the common interface; and

performing, by the front-end processor via the common interface, the requested transaction for the user at the terminal.

2. The method of claim 1, wherein identifying the non-local user account type further comprises:

transmitting, by the terminal to the front-end processor, a request for user access-specific information; and

transmitting, from the front-end processor to the terminal, the requested user access-specific information.

3. The method of claim 1, wherein the list of transactions further comprises obtaining cash, obtaining information, transferring funds, making payments, reviewing recent activity, and obtaining customer service.

4. The method of claim 1, wherein identifying the non-local user account type based on the user'"'"'s input further comprises identifying the non-local user account type based at least in part on the user'"'"'s input via inserting a card into a card reader of the terminal.

5. The method of claim 4, wherein identifying the non-local user account type based on the user'"'"'s input further comprises identifying an expiration date for the card and comparing the expiration date to a current date.

6. The method of claim 1, further comprising printing a record regarding the selected transaction in the selected language for the user at the terminal.

7. The method of claim 1 further comprising:

transmitting, by the terminal to the front-end processor, a request for user account balance information; and

transmitting, from the front-end processor to the terminal, the requested user account balance information.

8. The method of claim 1, wherein the user'"'"'s selection of a language is based in part on the user'"'"'s input via inserting a card into a card reader of the terminal.

9. The method of claim 1, further comprising selecting a currency for the financial transaction based upon the region of the terminal.

10. A computer system for providing multi-regional user access to perform financial transactions, comprising:

at least one front-end processor;

a plurality of terminals deployed within each of a plurality of regions and coupled to the at least one front-end processor,

wherein the front-end processor serves as exclusive arbitrator of transaction acceptance and fulfillment for each of the terminals within each of the regions,

wherein each of the terminals sharing a common interface with the front-end processor for all of the regions,

wherein each of the terminals identifies a non-local user account type based on a user'"'"'s input received at the terminal and establishes a real-time interactive session directly between the user at the terminal and the front-end processor for the region via the common interface;

wherein the front-end processor is programmed to;

receive, via the common interface, the user'"'"'s entry of an access code at the terminal in response to a prompt of the user for the access code at the terminal by the front-end processor via the common interface and verifying by the front-end processor the entered access code;

receive, via the common interface, a selection by the user at the terminal for a transaction request, wherein the transaction request is selected from a list of transactions common to each of the regions and presented to the user at the terminal by the front-end processor via the common interface; and

perform, via the common interface, the requested transaction for the user at the terminal in the currency of the region of the terminal.

11. The system of claim 10, wherein each region is a business-defined region.

12. The system of claim 10, wherein the terminal is a personal computer.

13. The system of claim 10, wherein said non-local user account type is a line of credit.

14. The system of claim 10, wherein said non-local user account type is a mortgage.

15. The system of claim 10, wherein said non-local user account type is a loan.

16. The system of claim 10, wherein said non-local user account type is a credit card account.

17. The system of claim 10, wherein said non-local user account type is a checking account.

18. The system of claim 10, wherein said non-local user account type is a savings account.

19. The system of claim 10, wherein said non-local user account type is a money market account.

20. The system of claim 10, wherein said non-local user account type is a time deposit account.

21. The system of claim 10 wherein said non-local user account type is an investment account.