Delivering financial services to remote devices
First Claim
1. A remote device for conducting a financial transaction, the remote device comprising:
- a mini-app dialog component selected by the customer for performing a financial transaction and providing information regarding the financial transaction to a presentation manager for presentation to the customer;
a transaction executor component instantiated by the mini-app dialog component to perform the financial transaction by using at least one input, including at least an amount selected by the customer, regarding the financial transaction provided by the customer into the mini-app dialog component; and
a rule broker component forreceiving queries posed by the mini-app dialog component regarding the input provided by the customer to perform the financial transaction,determining a rule authority, from a plurality of rule authorities, to route the queries based on a parameter passed in the query, and routing the queries to the determined rule authority that supplies an answer to the query and defines context-specific behavior of the transaction executor component,wherein the answer is to resolve a specific inquiry regarding an unique identification contextualized for the customer using the dialog component for carrying out the financial transaction;
wherein the rule authorities register themselves with the rule broker component as possible answers for particular queries,wherein the performed transaction is displayed on the remote device by the presentation manager;
wherein registering to the rule broker by the rule authorities includes registering of rules provided by the respective authorities, the rules having associated parameters and constraints;
wherein generating a query by the rule broker includes consulting a plurality of pre-established answers provided by a registry component internal to the rule broker; and
responsive to not finding a matching answer, the rule broker applying the most suitable parameter constraints defined with one of the registered rules to formulate the query and direct it to the registered rule authority corresponding to the rule being used.
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Accused Products
Abstract
A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can 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.
200 Citations
24 Claims
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1. A remote device for conducting a financial transaction, the remote device comprising:
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a mini-app dialog component selected by the customer for performing a financial transaction and providing information regarding the financial transaction to a presentation manager for presentation to the customer; a transaction executor component instantiated by the mini-app dialog component to perform the financial transaction by using at least one input, including at least an amount selected by the customer, regarding the financial transaction provided by the customer into the mini-app dialog component; and a rule broker component for receiving queries posed by the mini-app dialog component regarding the input provided by the customer to perform the financial transaction, determining a rule authority, from a plurality of rule authorities, to route the queries based on a parameter passed in the query, and routing the queries to the determined rule authority that supplies an answer to the query and defines context-specific behavior of the transaction executor component, wherein the answer is to resolve a specific inquiry regarding an unique identification contextualized for the customer using the dialog component for carrying out the financial transaction; wherein the rule authorities register themselves with the rule broker component as possible answers for particular queries, wherein the performed transaction is displayed on the remote device by the presentation manager; wherein registering to the rule broker by the rule authorities includes registering of rules provided by the respective authorities, the rules having associated parameters and constraints; wherein generating a query by the rule broker includes consulting a plurality of pre-established answers provided by a registry component internal to the rule broker; and
responsive to not finding a matching answer, the rule broker applying the most suitable parameter constraints defined with one of the registered rules to formulate the query and direct it to the registered rule authority corresponding to the rule being used. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for delivering financial services from a delivery system to a customer through a remote device, the method comprising:
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selecting a mini-app dialog component on the remote device to perform a financial service; collecting, using a presentation manager, financial information, including at least an amount selected by the customer, to perform the financial service by receiving the financial information from the customer in the mini-app dialog component; instantiating a transaction executor component for performing the financial service based upon the financial information entered by the customer in the mini-app dialog component; using a rule broker for answering at least one query posed by the mini-app dialog component regarding the financial information entered by the customer in the mini-app dialog component by determining a rule authority, from a plurality of rule authorities, to route the query based on a parameter passed in the query and routing, by the rule broker, the at least one query to the determined rule authority that supplies an answer to the query and defines context-specific behavior of the transaction executor component; wherein the answer is to resolve a specific inquiry regarding an unique identification contextualized for the customer using the dialog component for carrying out the financial transaction; wherein the rule authorities register themselves with the rule broker as possible answerers for particular queries; and displaying, using the presentation manager, on the remote device that the financial service has been performed; wherein registering to the rule broker by the rule authorities includes registering of rules provided by the respective authorities, the rules having associated parameters and constraints; wherein generating a query by the rule broker includes consulting a plurality of pre-established answers provided by a registry component internal to the rule broker; and
responsive to not finding a matching answer, the rule broker applying the most suitable parameter constraints defined with one of the registered rules to formulate the query and direct it to the registered rule authority corresponding to the rule being used. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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Specification