Enterprise fulfillment system with dynamic prefetching capabilities
First Claim
1. A fulfillment system for providing services to a customer in response to a customer request through one or more communication channels, the fulfillment system comprising:
- non-transitory computer memory storing at least executable instructions and a database comprising a plurality of interaction applications;
at least one computer processor executing at least the stored executable instructions to perform a plurality of functions, including functions associated with a request receiving engine and a request processing engine;
the request receiving engine including a plurality of interaction applications to support a plurality of communication channel types and each of the interaction applications including a plurality of executable interaction policies;
wherein the request receiving engine is connected to the one or more communication channels to perform at least the following in response to receiving the customer request;
selecting at least one interaction application based at least on the one or more communication channels; and
executing at least one executable interaction policy based at least on the customer request received over the one or more communication channels, wherein executing comprises determining a format of the customer request and based on the determined format, converting the format of the customer request to another format;
a request processing engine programmed to automatically perform at least the following in response to receiving the customer request over the one or more communication channels;
receiving the customer request from the request receiving engine;
analyzing the customer request to determine customer information necessary to fulfill the customer request and to select at least one policy from a policy database, said analyzing and selecting based on the customer request and the one or more communication channels;
collecting the customer information from at least a plurality of business unit engines based on the step of analyzing and the selected at least one policy; and
processing the customer request based on the collected customer information.
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Abstract
Systems and methods for providing services to customers in response to customer requests received through one or more channels are disclosed. The present invention provides for a central fulfillment hub in which all requests from banking customers may be processed by applying a library of policies to systematically resolve the customer requests or engage resources necessary to resolve such requests. Resources, data, and other information compartmentalized in individual business unit systems may be dynamically retrieved as necessary to fulfill the customer request and such retrieval is completed prior to any processing of the customer request for resolution. The disclosed fulfillment system, thus, may open a request, prefetch the necessary information, take steps to resolve the request, and close the request accordingly in a dynamic and efficient manner on a request-by-request basis.
52 Citations
30 Claims
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1. A fulfillment system for providing services to a customer in response to a customer request through one or more communication channels, the fulfillment system comprising:
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non-transitory computer memory storing at least executable instructions and a database comprising a plurality of interaction applications; at least one computer processor executing at least the stored executable instructions to perform a plurality of functions, including functions associated with a request receiving engine and a request processing engine;
the request receiving engine including a plurality of interaction applications to support a plurality of communication channel types and each of the interaction applications including a plurality of executable interaction policies;wherein the request receiving engine is connected to the one or more communication channels to perform at least the following in response to receiving the customer request; selecting at least one interaction application based at least on the one or more communication channels; and executing at least one executable interaction policy based at least on the customer request received over the one or more communication channels, wherein executing comprises determining a format of the customer request and based on the determined format, converting the format of the customer request to another format; a request processing engine programmed to automatically perform at least the following in response to receiving the customer request over the one or more communication channels; receiving the customer request from the request receiving engine; analyzing the customer request to determine customer information necessary to fulfill the customer request and to select at least one policy from a policy database, said analyzing and selecting based on the customer request and the one or more communication channels; collecting the customer information from at least a plurality of business unit engines based on the step of analyzing and the selected at least one policy; and processing the customer request based on the collected customer information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computer-controlled method for providing services to a customer in response to a customer request through one or more communication channels at a fulfillment system, the fulfillment system including non-transitory computer memory storing at least executable instructions and a database comprising a plurality of interaction applications to support a plurality of communication channel types, each of the interaction applications including a plurality of executable interaction policies, and at least one processing unit executing at least the stored executable instructions, the method comprising the steps of:
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receiving, using the at least one processing unit, the customer request at the one or more communication channels; selecting at least one interaction application based at least on the one or more communication channels executing at least one executable interaction policy based at least on the customer request received over the one or more communication channels, wherein executing comprises determining a format of the customer request and based on the determined format, converting the format of the customer request to another format; wherein, in response to receiving the customer request at the one or more communication channels, the at least one processing unit is programmed automatically perform at least the following; analyzing, using the at least one processing unit, the customer request to determine customer information necessary to fulfill the customer request and to select at least one policy from a policy database, said analyzing and selecting based on the customer request and the one or more communication channels; collecting the customer information from at least a plurality of business units, the collecting based on the step of analyzing and the selected at least one policy, wherein the customer information is stored in memory at at least one business unit of the plurality of business units; and processing, using the at least one processing unit, the customer request based on the collected customer information. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29)
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30. A fulfillment system for providing services to a customer in response to a customer request through one or more communication channels, the fulfillment system comprising:
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non-transitory computer memory storing at least executable instructions and a database comprising a plurality of interaction applications; at least one computer processor executing at least the stored executable instructions to perform a plurality of functions, including functions associated with a request receiving engine and a request processing engine, the request receiving engine including a plurality of interaction applications to support a plurality of communication channel types and each of the interaction applications including a plurality of executable interaction policies; wherein the request receiving engine is connected to the one or more communication channels to perform at least the following in response to receiving the customer request; selecting at least one interaction application based at least on the one or more communication channels; and executing at least one executable interaction policy based at least on the customer request received over the one or more communication channels, wherein executing comprises determining a format of the customer request and based on the determined format, converting the format of the customer request to another format; a request processing engine programmed to automatically perform at least the following in response to receiving the customer request over the one or more communication channels; receiving the customer request from the request receiving engine; and opening a customer request record in response to receiving the customer request information; analyzing the customer request to determine customer information necessary to select at least one policy from a policy database, said analyzing and selecting based on the customer request, the one or more communication channels, and to fulfill the customer request based on at least one of the following; customer account information, customer transaction history, customer preferences, customer request type, and system collection policies; collecting at least a portion of all customer information necessary to fulfill the customer request from at least a plurality of business unit engines associated with a business unit of a financial institution, the collecting performed based on the step of analyzing and the selected at least one policy; collecting at least a portion of all customer information necessary to fulfill the customer request from an external financial system; and processing the customer request based on the collected customer information; automatically generating at least one additional request in response to the processing of the customer request, the at least one additional request for a plurality of other customers based on the processed customer request; and an associates engine for presenting the customer information to an associate, the associates engine programmed to automatically perform at least the following in response to receiving the customer request over the one or more communication channels; receiving collected customer information from the request processing engine; presenting the at least a portion of all collected customer information necessary to resolve the customer request; and performing operations to resolve the customer request in response to the actions of the associate.
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Specification