System and method for delivering financial services

• US 8,543,506 B2
• Filed: 11/17/2011
• Issued: 09/24/2013
• Est. Priority Date: 10/31/1996
• Status: Expired due to Term

• Current Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated)
• Original Assignee: Citibank Development Center Incorporated (Citigroup Incorporated)
• Inventors: Grandcolas, Michael L., Bryant, Nancy, Schechtman, Howard A., Parekh, Dilip J.
• Primary Examiner(s): Colbert, Ella
• Application Number:
  US13/298,420
• Publication Number:
  US 20120078794A1
• Time in Patent Office: 677 Days
• Field of Search: 705/35, 705 42- 44, 235/379
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• 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 20/3265 characterised by personalisation for use
• 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: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/206 Software aspects at ATMs

Abstract

A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. The system and method operate in sessions and, for instance, employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer. The system and method provide state-of-the art interfaces that can be configured and delivered to the customer in a globally consistent format that is based on the customer'"'"'s account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.

Claims

1. A platform-independent method for configuring a self-service financial transaction device in a global communications network having a plurality of nodes interconnected with communication lines, comprising:

receiving, using a self-service financial transaction device processor, a session request from a customer using a transaction card at an interactive user interface to access said self-service financial transaction device;

associating, using the self-service financial transaction device processor, said session request with stored customer identification and relationship information to display a self-configuring interactive user interface;

displaying, using the self-service financial transaction device processor, said self-configuring interactive user interface to provide said customer with at least one financial offering;

receiving a financial request from said customer to complete said financial offering;

implementing said financial request from said customer to complete said financial offering;

updating said customer parameters in said global communications network upon completion of said financial offering associated with said financial request,

wherein said self-service financial transaction device communicates with a rule broker component of said global communications network, wherein the rule broker component registers a rule authority component associated with said stored customer identification and relationship information;

querying, by the rule authority component, a database of business rules and returning a business rule that is used to configure said self-configuring interactive user interface; and

communicating with the self-service financial transaction device by a language man component of said global communications network, wherein the language man component stores in a repository of phrases associated with said stored customer identification and relationship information; and

querying by a language man authority said repository of phrases and returning a named phrase that is also used to configure said self-configuring interactive user interface.

2. The method of claim 1, wherein said at least one financial offering is associated with a financial package comprising one or more of the following:

inquiry;

overview;

balance;

disposition;

history;

transfer;

bill payment;

credit transaction;

maintenance &

service functions;

withdrawal;

deposit;

PIN change;

investment; and

end session.

3. The method of claim 1, further comprising ascertaining from the transaction card a status of the customer as a vision impaired or vision unimpaired customer.

4. The method of claim 3, further comprising offering language functions for the customer depending on the status of the customer as a vision impaired or vision unimpaired customer.

5. The method of claim 1, further comprising a front door man component to add security identifiers to communications sent to said self-service financial transaction device and to verify security identifiers on communications received from said self-service financial transaction device.

6. The method of claim 1, wherein said self-service financial transaction device is an electronics communications device.

7. The method of claim 6, wherein said electronics communications device is an ATM terminal.

8. The method of claim 6, wherein said electronics communications device is an home banking terminal.

9. The method of claim 6, wherein said electronics communications device is a personal computer.

10. The method of claim 6, wherein said electronics communications device is a screen telephone.

11. The method of claim 6, wherein said electronics communications device is a personal data assistant.

12. The method of claim 6, wherein said electronics communications device is a interactive television.

13. The method of claim 6, wherein said electronics communications device is a staff terminal used within a financial institution providing said financial offering.

14. The method of claim 1, wherein said self-service financial transaction device communicates with said global communications network over a public switch telephone network.

15. The method of claim 1, wherein said self-service financial transaction device communicates with said global communications network over a mobile radiotelephone network.

16. The method of claim 1, wherein said self-service financial transaction device communicates with said global communications network over a cellular network.

17. The method of claim 1, wherein said self-service financial transaction device communicates with said global communications network over a cable network.

18. The method of claim 1, wherein said self-service financial transaction device communicates with said global communications network over one of an internet, intranet, or extranet.

19. The method of claim 1, wherein said global communications network is a financial institution'"'"'s communications network.

20. A platform-independent system to configure a self-service financial transaction device in a global communications network having a plurality of nodes interconnected with communication lines, comprising:

a self-service financial transaction device processor coupled to memory, said processor being programmed for and further configured to;

receive, from the self-service financial transaction device, a session request from a customer using a transaction card at an interactive user interface to access said self-service financial transaction device;

associate, from the self-service financial transaction device, said session request with stored customer identification and relationship information to display a self-configuring interactive user interface;

display, on the self-service financial transaction device, said self-configuring interactive user interface to provide said customer with at least one financial offering;

receive a financial request from said customer to complete said financial offering;

implement said financial request from said customer to complete said financial offering;

update said customer identification and relationship information in said global communications network upon completion of said financial offering associated with said financial request;

a rule broker component of said global communications network configured to register a rule authority component associated with said stored customer identification and relationship information, and said rule authority component being configured to query a database of business rules and to return a business rule that is used to configure said self-configuring interactive user interface;

a language man component of said global communications network configured to store a repository of phrases associated with said stored customer identification and relationship information; and

a language man authority configured to query said repository of phrases and to return a named phrase that is also used to configure said self-configuring interactive user interface.

21. The system of claim 20, wherein said at least one financial offering is associated with a financial package comprising one or more of the following:

inquiry;

overview;

balance;

disposition;

history;

transfer;

bill payment;

credit transaction;

maintenance &

service functions;

withdrawal;

deposit;

PIN change;

investment; and

end session.

22. The system of claim 20, said processor being further configured to ascertain from the transaction card a status of the customer as a vision impaired or vision unimpaired customer.

23. The system of claim 22, said processor being further configured to offer language functions for the customer depending on the status of the user as a vision impaired or vision unimpaired customer.

24. The system of claim 20, further comprising a front door man component configured to add security identifiers to communications sent to said self-service financial transaction device and to verify security identifiers on communications received from said self-service financial transaction device.

25. The system of claim 20, wherein said self-service financial transaction device is an electronics communications device.

26. The system of claim 25, wherein said electronics communications device is an ATM terminal.

27. The system of claim 25, wherein said electronics communications device is an home banking terminal.

28. The system of claim 25, wherein said electronics communications device is a personal computer.

29. The system of claim 25, wherein said electronics communications device is a screen telephone.

30. The system of claim 25, wherein said electronics communications device is a personal data assistant.

31. The system of claim 25, wherein said electronics communications device is a interactive television.

32. The system of claim 25, wherein said electronics communications device is a staff terminal used within a financial institution providing said financial offering.

33. The system of claim 20, wherein said self-service financial transaction device communicates with said global communications network over a public switch telephone network.

34. The system of claim 20, wherein said self-service financial transaction device communicates with said global communications network over a mobile radiotelephone network.

35. The system of claim 20, wherein said self-service financial transaction device communicates with said global communications network over a cellular network.

36. The system of claim 20, wherein said self-service financial transaction device communicates with said global communications network over a cable network.

37. The system of claim 20, wherein said self-service financial transaction device communicates with said global communications network over one of an internet, intranet, or extranet.

38. The system of claim 20, wherein said global communications network is a financial institution'"'"'s communications network.