Patent US5866889A successfully refreshed from Google Patents.
US5866889A
Expired / Lapsed
US
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Integrated full service consumer banking system and system and method for opening an account
Assignee: Citibank NA
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Filing: 1995-06-07
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Granted: 1999-02-02
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Expires: 2015-06-07
Abstract
Abstract An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage components. A consistent user interface means is provided to allow a customer to access the account from a different sources including at least an automatic teller machine, a phone and a personal teller transaction. The account is flexible enough to include a variety of other components such as a credit card component, a line of credit component, a secured credit component and a money market component. A system and method for opening a single integrated account for a customer in a single session is also described.
Inventors
- 👤 Lawrence Weiss
- 👤 Marylou Dowd
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-31 23:02
CPC Classifications
G; G06; G06Q; G06Q40/00; G06Q40/02; G06Q20/00; G06Q20/04; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/108; G06Q20/18
Claims Analysis
Total Claims: 28
Claim 1
Independent Claim
131 words
A method of opening a single integrated account for a customer in a single session comprising the steps of: building a database containing a customer profile that includes demographic information and customer financial information; performing a needs analysis based on information collected; receiving a customer selection of at least one component for the single integrated account; recommending an account based on the needs analysis and presenting information concerning at least one selected component of the single integrated account to the customer; displaying an image of a bank statement; updating the database to reflect the customer's selection of at least one single integrated account component; displaying a second image of a representation of a bank statement which image is revised to reflect the customer's selection; and printing at least one enrollment form.
Claim 2
Independent Claim
131 words
A method of opening a single integrated account for a customer in a single session comprising the steps of: building a database containing a customer profile that includes demographic information and customer financial information; performing a needs analysis based on information collected; receiving a customer selection of at least one component for the single integrated account; recommending an account based on the needs analysis and presenting information concerning at least one selected component of the single integrated account to the customer; displaying an image of a bank statement; updating the database to reflect the customer's selection of at least one single integrated account component; displaying a second image of a representation of a bank statement which image is revised to reflect the customer's selection; and printing at least one enrollment form.
Claim 3
Dependent Claim
123 words
An integrated financial system comprising: a single integrated customer account that permits a customer to perform various financial transactions including at least banking transactions and brokerage transactions; a user interface for allowing a customer to access the single integrated account from a plurality of different sources including at least one of an automatic teller machine, a phone and a personal teller transaction; means for collecting information from the customer; means for receiving a customer selection of at least one component of the single integrated account; means for performing a needs analysis based on information collected; means for recommending an account based on the needs analysis; and means for presenting information concerning at least one component of the single integrated account to the customer.
Claim 4
Dependent Claim
123 words
An integrated financial system comprising: a single integrated customer account that permits a customer to perform various financial transactions including at least banking transactions and brokerage transactions; a user interface for allowing a customer to access the single integrated account from a plurality of different sources including at least one of an automatic teller machine, a phone and a personal teller transaction; means for collecting information from the customer; means for receiving a customer selection of at least one component of the single integrated account; means for performing a needs analysis based on information collected; means for recommending an account based on the needs analysis; and means for presenting information concerning at least one component of the single integrated account to the customer.
Claim 5
Dependent Claim
17 words
The integrated financial system of claim 2, wherein the single integrated account includes a credit card component.
Claim 6
Dependent Claim
18 words
The integrated financial system of claim 2, wherein the single integrated account includes a line of credit component.
Claim 7
Dependent Claim
17 words
The integrated financial system of claim 2, wherein the single integrated account includes a secured credit component.
Claim 8
Dependent Claim
17 words
The integrated financial system of claim 2, wherein the single integrated account includes a money market component.
Claim 9
Dependent Claim
156 words
In an integrated financial system of the type comprising a single integrated account that includes at least a checking component, a savings component and a brokerage component, a system for opening the single integrated account in one session comprising: means for assembling a personal profile that includes means for collecting salient data, means for building the single integrated customer account that includes means for building at least a checking component, a savings component and a brokerage component; means for receiving a customer selection of at least one component of the single integrated account; means for performing a needs analysis based on information collected; means for recommending an account based on the needs analysis; means for presenting information concerning the selected component of the single integated account to the customer; and means for allowing data collected to flow to all other points where the data is required so that data need not be entered more than once.
Claim 10
Dependent Claim
156 words
In an integrated financial system of the type comprising a single integrated account that includes at least a checking component, a savings component and a brokerage component, a system for opening the single integrated account in one session comprising: means for assembling a personal profile that includes means for collecting salient data, means for building the single integrated customer account that includes means for building at least a checking component, a savings component and a brokerage component; means for receiving a customer selection of at least one component of the single integrated account; means for performing a needs analysis based on information collected; means for recommending an account based on the needs analysis; means for presenting information concerning the selected component of the single integated account to the customer; and means for allowing data collected to flow to all other points where the data is required so that data need not be entered more than once.
Claim 11
Dependent Claim
33 words
The system of claim 7, further comprising means for generating multiple prompts for certain pieces of data such that the user may exercise personal judgment concerning the appropriate time to collect such data.
Claim 12
Dependent Claim
20 words
The system of claim 7, further comprising pending file means for storing information that is collected, but not immediately needed.
Claim 13
Dependent Claim
57 words
The system of claim 7, wherein each component of the single integrated account includes data fields and the system further comprises means for transferring data between the data fields and means for entering data fields in different components that are related such that data entered in one data field can be copied into other related data fields.
Claim 14
Dependent Claim
23 words
The system of claim 7, wherein the means for building the single integrated account comprises means for building a credit card account component.
Claim 15
Dependent Claim
24 words
The system of claim 7, wherein the means for building the single integrated account comprises means for building a line of credit account component.
Claim 16
Dependent Claim
23 words
The system of claim 7, wherein the means for building the single integrated account comprises means for building a secured credit account component.
Claim 17
Dependent Claim
23 words
The system of claim 7, wherein the means for building the single integrated account comprises means for building a money market account component.
Claim 18
Dependent Claim
22 words
The system of claim 7, wherein the means for building the single integrated account comprises means for building an insurance account component.
Claim 19
Dependent Claim
22 words
The system of claim 7, wherein the means for building the single integrated account comprises means for building a retirement account component.
Claim 20
Dependent Claim
40 words
The system of claim 7, further comprising means for displaying a representation of a bank statement connected to the means for building the single integrated account, whereby as the account is built the representation of the bank statement is updated.
Claim 21
Dependent Claim
20 words
The method according to claim 1, wherein said demographic information and customer financial information includes credit information and financial goals.
Claim 22
Independent Claim
130 words
A method of providing a financial services account, comprising: opening a single integrated account that permits a customer to establish a plurality of components for performing financial transactions, the single integrated account having a time of opening; creating a personal profile including substantially all demographic and financial data about the customer at the time of opening; accessing the profile so that only unknown data is requested from the customer in the establishment of each of the plurality of components for performing financial transactions; receiving a customer selection of at least one component of the single integrated account; performing a needs analysis based on the personal profile; recommending an account based on the needs analysis; and presenting information concerning at least one component of the single integrated account to the customer.
Claim 23
Independent Claim
130 words
A method of providing a financial services account, comprising: opening a single integrated account that permits a customer to establish a plurality of components for performing financial transactions, the single integrated account having a time of opening; creating a personal profile including substantially all demographic and financial data about the customer at the time of opening; accessing the profile so that only unknown data is requested from the customer in the establishment of each of the plurality of components for performing financial transactions; receiving a customer selection of at least one component of the single integrated account; performing a needs analysis based on the personal profile; recommending an account based on the needs analysis; and presenting information concerning at least one component of the single integrated account to the customer.
Claim 24
Dependent Claim
39 words
A method of providing financial services as recited in claim 19, wherein said plurality of components for performing financial transactions comprises at least one of an investment component, a banking component, a bill payment component and a lending component.
Claim 25
Independent Claim
119 words
A method of opening a single integrated account for a customer in a single session comprising: building a database containing a customer profile that includes demographic information and customer financial information; performing a needs analysis based on information collected; receiving a customer selection of at least one component for the single integrated account; recommending an account based on the needs analysis; presenting information concerning at least one selected component of the single integrated account to the customer; updating the database to reflect the customer's selection of at least one single integrated account component; and displaying an image of a representation of a bank statement, wherein the image reflects the customer's selection of at least one single integrated account component.
Claim 26
Independent Claim
119 words
A method of opening a single integrated account for a customer in a single session comprising: building a database containing a customer profile that includes demographic information and customer financial information; performing a needs analysis based on information collected; receiving a customer selection of at least one component for the single integrated account; recommending an account based on the needs analysis; presenting information concerning at least one selected component of the single integrated account to the customer; updating the database to reflect the customer's selection of at least one single integrated account component; and displaying an image of a representation of a bank statement, wherein the image reflects the customer's selection of at least one single integrated account component.
Claim 27
Dependent Claim
50 words
The system of claim 2 further comprising: means for updating the database to reflect the customer's selection of at least one single integrated account component; and means for displaying an image of a representation of a bank statement, wherein the reflects the customer's selection of at least one account component.
Claim 28
Dependent Claim
50 words
The system of claim 7 further comprising: means for updating the database to reflect the customer's selection of at least one single integrated account component; and means for displaying an image of a representation of a bank statement, wherein the reflects the customer's selection of at least one account component.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2002-02-01 | 2002-08-03 | 2003-02-02 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-02-01 | 2006-08-03 | 2007-02-02 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-02-01 | 2010-08-03 | 2011-02-02 | $7700.00 | Window Closed / Lapsed |