Abstract A personal financial assistant computer method includes customer terminals at financial institution branch offices or other locations. Each customer terminal stores financial information for the particular financial services (such as insurance, annuities, bonds, mortgages or loans) sold at that terminal. A display is also provided at each terminal for displaying selected information. At least one representative terminal is provided at a central location and includes a display and keyboard. A telephone link is also provided between the customer terminals and the representative terminals for voice communication. According to the invention, a representative at the representative terminal controls the customer terminal in response to commands initiated from the input device, thereby displaying financial service information at the customer terminal under control of the representative terminal. All display of information at the customer terminal is controlled by the representative in response to one-on-one conversations between the representative and a customer over the telephone line.
A method for providing personal financial services over a network of customer terminals and representative terminals, comprising the steps of: accepting a telephone request at a representative terminal from a customer at a customer terminal; linking the representative terminal to the customer terminal for data communication therebetween; seizing control of the customer terminal by the representative terminal so that the representative terminal remotely controls operation of the customer terminal; and providing personal financial services to a customer at the customer terminal under control of the representative terminal using personal financial services information which is stored at the customer terminal; wherein said seizing control step comprises the step of causing an input device at the representative terminal to remotely control the retrieval of stored personal financial services information at the customer terminal and to display the retrieved personal financial services information at the customer terminal.
Claim 2
Independent Claim
144 words
A method for providing personal financial services over a network of customer terminals and representative terminals, comprising the steps of: accepting a telephone request at a representative terminal from a customer at a customer terminal; linking the representative terminal to the customer terminal for data communication therebetween; seizing control of the customer terminal by the representative terminal so that the representative terminal remotely controls operation of the customer terminal; and providing personal financial services to a customer at the customer terminal under control of the representative terminal using personal financial services information which is stored at the customer terminal; wherein said seizing control step comprises the step of causing an input device at the representative terminal to remotely control the retrieval of stored personal financial services information at the customer terminal and to display the retrieved personal financial services information at the customer terminal.
Claim 3
Dependent Claim
26 words
The method of claim 1 wherein said providing step comprises the step of displaying information concerning types of personal financial services available at the customer terminal.
Claim 4
Dependent Claim
31 words
The method of claim 2 wherein said providing step further comprises the step of displaying information concerning options for a selected type of personal financial service available at the customer terminal.
Claim 5
Dependent Claim
32 words
The method of claim 3 wherein said providing step further comprises the step of displaying an application form or contract for the selected type of personal financial service with the selected options.
Claim 6
Dependent Claim
20 words
The method of claim 4 wherein said providing step further comprises the step of printing the application form or contract.