Patent US5890140A successfully refreshed from Google Patents.
US5890140A
Expired / Lapsed
US
⏱️ 0.0 years remaining
System for communicating with an electronic delivery system that integrates global financial services
Assignee: Citibank NA
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Filing: 1995-06-07
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Granted: 1999-03-30
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Expires: 2015-06-07
Abstract
Abstract A system for communicating with a global electronic delivery system that integrates a plurality of financial services provided at different geographical locations and in different time zones, and delivery such services directly to a customer facility at any time requested by the customer. The customer connects to the system whenever desired to access each of the services, and the delivery system stores and routes messages between the customers and each of the service providers at the respective times when the customers' facilities and the service providers' facilities are operative. The communications system can comprise a stand-alone personal computer, a local area network, and/or a mainframe computer. The communicates system also includes a variety of security functions that provide different levels of access to the services for different customers.
Inventors
- 👤 Barry Alan Clark
- 👤 John D'Onofrio
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-30 17:41
CPC Classifications
G; G06; G06Q; G06Q30/00; G06Q30/06; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/108; G06Q40/00; G06Q40/04
Claims Analysis
Total Claims: 51
Claim 1
Independent Claim
199 words
A system for delivering financial services, comprising: a global interface device; on-line transaction processor facilities located in different geographic locations and time zones wherein said on-line transaction processor facilities provide a plurality of dissimilar computerized financial services including cash management, securities, and trade finance services; a plurality of customer facilities located in different geographic locations and time zones; means associated with the on-line transaction processors for generating a plurality of financial messages of a first type for any of the customer facilities; means associated with said customer facilities for generating a plurality of financial messages of a second type for any of the on-line transaction processors; means for communicating said first and second type financial messages between the global interface device and the on-line transaction processors, and between the global interface device and the customer facilities; means associated with said global interface device for storing and queuing financial messages of said first type generated by said on-line transaction processors, wherein messages of said first type may be retrieved at said customer facilities in substantially real time from said on-line transaction processors via said global interface device, and can also be retrieved when said on-line transaction processors are not operational.
Claim 2
Independent Claim
199 words
A system for delivering financial services, comprising: a global interface device; on-line transaction processor facilities located in different geographic locations and time zones wherein said on-line transaction processor facilities provide a plurality of dissimilar computerized financial services including cash management, securities, and trade finance services; a plurality of customer facilities located in different geographic locations and time zones; means associated with the on-line transaction processors for generating a plurality of financial messages of a first type for any of the customer facilities; means associated with said customer facilities for generating a plurality of financial messages of a second type for any of the on-line transaction processors; means for communicating said first and second type financial messages between the global interface device and the on-line transaction processors, and between the global interface device and the customer facilities; means associated with said global interface device for storing and queuing financial messages of said first type generated by said on-line transaction processors, wherein messages of said first type may be retrieved at said customer facilities in substantially real time from said on-line transaction processors via said global interface device, and can also be retrieved when said on-line transaction processors are not operational.
Claim 3
Dependent Claim
32 words
The system of claim 1, wherein each of said financial messages of said second type contain an address data element for identifying to which processing facility a message is to be delivered.
Claim 4
Dependent Claim
54 words
The system of claim 1, said means associated with said global interface device for storing and queuing of said first type messages also stores and queues said messages of said second type that are generated by said customer facilities, wherein said messages of said second type may be retrieved by said on-line transaction processors.
Claim 5
Dependent Claim
15 words
The system of claim 3, wherein said means for storing and queuing comprises a repository.
Claim 6
Dependent Claim
22 words
The system of claim 1, wherein said customer facilities include an inbound message handler for receiving messages sent to said customer facilities.
Claim 7
Dependent Claim
15 words
The system of claim 1, wherein said means for communicating includes a PC transport protocol.
Claim 8
Dependent Claim
14 words
The system of claim 1, wherein said means for communicating includes a CPU-CPU protocol.
Claim 9
Dependent Claim
18 words
The system of claim 1, wherein at least one of said customer facilities comprise a stand alone workstation.
Claim 10
Dependent Claim
24 words
The system of claim 1, wherein at least one of said customer facilities comprises a plurality of workstations arranged in a local area network.
Claim 11
Dependent Claim
44 words
The system of claim 9, further comprising a local authorization means for selectively preventing a financial message of said second type from being sent from a first workstation in said local area network until authorized at a second workstation in said local area network.
Claim 12
Dependent Claim
26 words
The system of claim 1, further comprising means for providing a first menu structure for selecting any of a plurality of financial services to be delivered.
Claim 13
Dependent Claim
46 words
The system of claim 11, further comprising means for deriving a second menu structure in response to a financial service selected from said first menu structure, said second menu structure having data entry fields for inputting data for creating a financial message of said second type.
Claim 14
Dependent Claim
31 words
The system of claim 11, further comprising a security means for preventing access to the first menu structure until a valid user identification and password are entered into the computer system.
Claim 15
Dependent Claim
15 words
The system of claim 1, further comprising means for encrypting messages sent within the system.
Claim 16
Dependent Claim
46 words
The system of claim 1, wherein said financial messages of said first and second types each contain a header portion and a business message portion, said header portion containing a series of defined data elements that identify at least the message type, customer, account, and date.
Claim 17
Dependent Claim
18 words
The system of claim 15, wherein each financial message of said second type comprises a transaction instruction message.
Claim 18
Dependent Claim
22 words
The system of claim 16, wherein at least one of the financial messages of said second type comprises a product inquiry message.
Claim 19
Dependent Claim
55 words
The system of claim 1, wherein said plurality of financial messages of said first type comprise information messages originating from a plurality of different on-line transaction processors located in different geographic locations, each of said financial messages of said first type including a data element which indicates from which on-line transaction processor the messages originated.
Claim 20
Dependent Claim
40 words
The system of claim 1, further comprising means for reading machine processable data contained in said financial messages of said first type that are received from the interface device, and said manipulating the machine processable data into a financial report.
Claim 21
Dependent Claim
32 words
The system of claim 19, wherein said financial messages of said first type containing information concerning a plurality of different categories of financial services, including cash management, securities, and trade finance services.
Claim 22
Dependent Claim
18 words
The system of claim 1, wherein said financial messages of said first type comprise status and event messages.
Claim 23
Dependent Claim
17 words
The system of claim 1, wherein said financial messages of said second type comprise transaction instruction messages.
Claim 24
Dependent Claim
20 words
The system of claim 22, further comprising means for receiving financial messages from the interface device during a communications session.
Claim 25
Dependent Claim
30 words
The system of claim 22, further comprising means for parsing a header of the financial messages received from the interface device and for checking a sequence number of the messages.
Claim 26
Dependent Claim
232 words
An electronic delivery system for delivering financial services to a customer at a customer's facility, comprising: a computer at one of a plurality of customer facilities located in different geographic locations and time zones having means for creating and sending messages, including transaction instruction messages, and means for receiving messages, including status and event messages; a plurality of on-line transaction processor facilities located in different geographic locations and time zones for providing financial services; means for generating a plurality of said status and event messages to be sent from said on-line transaction processors; means for electronically connecting the customer facility to the on-line transaction processor facilities by routing messages from said computer at said customer facility to the on-line transaction processor facilities, via a global interface device, said global interface device comprising means for determining a proper on-line transaction processor facility to route a message to, means for storing the message at least when the proper on-line transaction processor facility is unavailable, means for queuing messages, and means for forwarding the message to the proper on-line transaction processor facility when the proper on-line transaction processor facility becomes available; and means for retrieving said status and event messages at said customer facilities in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said status and event messages when said on-line transaction processors are not operational.
Claim 27
Dependent Claim
232 words
An electronic delivery system for delivering financial services to a customer at a customer's facility, comprising: a computer at one of a plurality of customer facilities located in different geographic locations and time zones having means for creating and sending messages, including transaction instruction messages, and means for receiving messages, including status and event messages; a plurality of on-line transaction processor facilities located in different geographic locations and time zones for providing financial services; means for generating a plurality of said status and event messages to be sent from said on-line transaction processors; means for electronically connecting the customer facility to the on-line transaction processor facilities by routing messages from said computer at said customer facility to the on-line transaction processor facilities, via a global interface device, said global interface device comprising means for determining a proper on-line transaction processor facility to route a message to, means for storing the message at least when the proper on-line transaction processor facility is unavailable, means for queuing messages, and means for forwarding the message to the proper on-line transaction processor facility when the proper on-line transaction processor facility becomes available; and means for retrieving said status and event messages at said customer facilities in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said status and event messages when said on-line transaction processors are not operational.
Claim 28
Dependent Claim
26 words
The electronic delivery system of claim 25, wherein at least one of said on-line transaction processors is located in a remote location from said customer facility.
Claim 29
Dependent Claim
32 words
The electronic delivery system of claim 25, wherein said messages comprise a header portion containing a series of defined data elements that identify at least the message type, customer, account, and date.
Claim 30
Dependent Claim
31 words
The electronic delivery system of claim 27, wherein said messages further comprise a business message portion that contains at least one of a transaction instruction, inquiry, status information, and event information.
Claim 31
Dependent Claim
58 words
The electronic delivery system of claim 27, wherein said means for electronically connecting the customer facility to the on-line transaction processor facilities includes a remote authorization means for selectively preventing a message sent from a first customer facility from being routed to an on-line transaction processor until at least one authorizing message is received from another customer facility.
Claim 32
Dependent Claim
59 words
The electronic delivery system of claim 25, wherein the messages comprise a header portion containing a series of defined data elements that identify at least the message type, customer, account, and date, and the means for retrieving the stored messages comprises means for selectively retrieving only messages having a particular data element in the header portion of the messages.
Claim 33
Dependent Claim
27 words
The electronic delivery system of claim 25, whereby customers can conduct financial transactions in multiple geographic locations in different time zones during the customer's normal business hours.
Claim 34
Dependent Claim
18 words
The delivery system of claim 25, wherein said on-line transaction processors provide cash management, securities, and trade services.
Claim 35
Dependent Claim
49 words
The delivery system of claim 25, wherein a first one of said on-line transaction processors provides at least cash management services, a second one of said on-line transaction processors provides at least securities services, and a third one of said on-line transaction processors provides at least trade finance services.
Claim 36
Dependent Claim
32 words
The delivery system of claim 25, wherein a first one of said on-line transaction processors provides financial services for a different geographic region than a second one of said on-line transaction processors.
Claim 37
Dependent Claim
33 words
The delivery system of claim 25, wherein said means for electronically connecting comprises a first global interface device having means for routing messages between the customer facility computer and the on-line transaction processors.
Claim 38
Dependent Claim
54 words
The delivery system of claim 35, wherein said global interface device has means for receiving and storing messages sent from the on-line transaction processors to the customer facility computer, and means for retrieving and queuing the stored messages to the customer facility computer upon receiving a message retrieval request from the customer facility computer.
Claim 39
Dependent Claim
113 words
The delivery system of claim 36, wherein the global interface device has means for checking the construction of messages sent from the customer facility computer to the on-line transaction processors to determine if the messages are in a proper format, and means for checking entitlements to determine if the customer facility computer is entitled to the requested transaction or information; and wherein the global interface device has means for checking the construction of messages sent from the on-line transaction processors to the customer facility computer to determine if the messages are in a proper format, and means for checking entitlements to determine if the on-line transaction processor is entitled to send the messages.
Claim 40
Dependent Claim
24 words
The delivery system of claim 25, further comprising means for encrypting the messages sent between the customer facility computer and the on-line transaction processors.
Claim 41
Dependent Claim
244 words
A financial system for providing financial services to a plurality of customers, comprising: a plurality of computers located at customer facilities and operable during each customer's normal business hours, said computers being capable of generating a plurality of transaction instruction messages; a plurality of on-line transaction processing facilities located in different geographic locations than said customer facilities, said on-line transaction processing facilities being operable during hours which are different than the customer's normal business hours, said processing facilities being capable of generating a plurality of status and event messages; a global interface device coupled with said plurality of computers at the customer facilities and said plurality of on-line transaction processing facilities, said global interface device comprising means for receiving instructions and inquiries from said computers at said customer facilities, means for receiving status and event messages from said on-line transaction processing facilities, means for storing and queuing said instructions, inquiries, and messages upon receipt in said global interface device, and means for forwarding said instructions and inquiries to one of said on-line transaction processing facilities when said on-line transaction processing facility is operable; whereby customers can conduct financial transactions in multiple geographic locations in different time zones during the customer's normal business hours; and means for retrieving said status and event messages at said customer facilities in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said messages when said on-line transaction processors are not operational.
Claim 42
Dependent Claim
244 words
A financial system for providing financial services to a plurality of customers, comprising: a plurality of computers located at customer facilities and operable during each customer's normal business hours, said computers being capable of generating a plurality of transaction instruction messages; a plurality of on-line transaction processing facilities located in different geographic locations than said customer facilities, said on-line transaction processing facilities being operable during hours which are different than the customer's normal business hours, said processing facilities being capable of generating a plurality of status and event messages; a global interface device coupled with said plurality of computers at the customer facilities and said plurality of on-line transaction processing facilities, said global interface device comprising means for receiving instructions and inquiries from said computers at said customer facilities, means for receiving status and event messages from said on-line transaction processing facilities, means for storing and queuing said instructions, inquiries, and messages upon receipt in said global interface device, and means for forwarding said instructions and inquiries to one of said on-line transaction processing facilities when said on-line transaction processing facility is operable; whereby customers can conduct financial transactions in multiple geographic locations in different time zones during the customer's normal business hours; and means for retrieving said status and event messages at said customer facilities in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said messages when said on-line transaction processors are not operational.
Claim 43
Dependent Claim
28 words
The financial system of claim 39, further comprising an archiving means for archiving instructions, inquiries, and messages stored in said storing means after a predetermined period of time.
Claim 44
Dependent Claim
199 words
A global financial system for providing financial services to a plurality of customers, comprising: means at individual customers' facilities for requesting any of several different types of financial services from any of a group of different on-line transaction processors located at places geographically separated from the customers' facilities, said means including generating a plurality of transaction instruction messages; a global interface device located at a position remote from said individual customer's facilities and coupled with said requesting means for recognizing storing and queuing financial services request commands received from said requesting means; and means for coupling said interface means to said on-line transaction processors, said on-line-transaction processors being capable of generating a plurality of status and event messages; said global interface device including means for checking entitlements to determine if a customer facility sending a request command is entitled to the financial service requested and refusing requests for financial services that a customer facility is not entitled to; and means for retrieving said status and event messages at said customer facilities in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said messages when said on-line transaction processors are not operational.
Claim 45
Dependent Claim
199 words
A global financial system for providing financial services to a plurality of customers, comprising: means at individual customers' facilities for requesting any of several different types of financial services from any of a group of different on-line transaction processors located at places geographically separated from the customers' facilities, said means including generating a plurality of transaction instruction messages; a global interface device located at a position remote from said individual customer's facilities and coupled with said requesting means for recognizing storing and queuing financial services request commands received from said requesting means; and means for coupling said interface means to said on-line transaction processors, said on-line-transaction processors being capable of generating a plurality of status and event messages; said global interface device including means for checking entitlements to determine if a customer facility sending a request command is entitled to the financial service requested and refusing requests for financial services that a customer facility is not entitled to; and means for retrieving said status and event messages at said customer facilities in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said messages when said on-line transaction processors are not operational.
Claim 46
Dependent Claim
102 words
The global financial system of claim 41, wherein said on-line transaction processors include means for generating and sending status and event messages to the global interface device for delivery to the customers' facilities, said global interface device comprising means for checking the construction and entitlements of messages received from said on-line transaction processors to determine if the messages are in a proper format and to determine if the on-line transaction processors are entitled to send the messages, and means for refusing to forward messages having an invalid construction and messages from on-line transaction processors that are not entitled to send the messages.
Claim 47
Dependent Claim
182 words
An electronic delivery system for delivering a plurality of financial services from a plurality of on-line transaction processors located in different geographic locations to a customer facility, comprising: a customer's computer located at said customer facility, said computer being capable of generating a plurality of transaction instruction messages; a global interface device electronically connected to said customer's computer and to said plurality of on-line transaction processors; means for establishing a communications session between said customer's computer and said global interface device for sending transaction instruction messages from said computer to said global interface device; said global interface device comprising means for receiving a plurality of transaction instruction messages from said computer and routing storing and queuing said messages to a plurality of on-line transaction processors in different geographic locations, said on-line transaction processors being capable of generating a plurality of status and event messages; and means for retrieving said messages at said customer facilities in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said messages when said on-line transaction processors are not operational.
Claim 48
Dependent Claim
182 words
An electronic delivery system for delivering a plurality of financial services from a plurality of on-line transaction processors located in different geographic locations to a customer facility, comprising: a customer's computer located at said customer facility, said computer being capable of generating a plurality of transaction instruction messages; a global interface device electronically connected to said customer's computer and to said plurality of on-line transaction processors; means for establishing a communications session between said customer's computer and said global interface device for sending transaction instruction messages from said computer to said global interface device; said global interface device comprising means for receiving a plurality of transaction instruction messages from said computer and routing storing and queuing said messages to a plurality of on-line transaction processors in different geographic locations, said on-line transaction processors being capable of generating a plurality of status and event messages; and means for retrieving said messages at said customer facilities in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said messages when said on-line transaction processors are not operational.
Claim 49
Dependent Claim
98 words
The electronic delivery system of claim 43, wherein said on-line transaction processors generate and send status and event messages to the global interface device after receiving financial messages from said global interface device, said global interface device having means for storing said status and event messages and a means for allowing the customer's computer to retrieve status and event messages from a plurality of on-line transaction processors in substantially real time from said on-line transaction processors via said global interface device and means for retrieving said status and event messages when said on-line transaction processors are not operational.
Claim 50
Dependent Claim
28 words
The electronic delivery system of claim 44, wherein said plurality of on-line transaction processors provide a variety of financial services, including cash management, securities, and trade finance services.
Claim 51
Dependent Claim
29 words
The electronic delivery system of claim 43, further comprising means for generating financial reports showing a summary of a customer's financial activities at each of said on-line transaction processors.
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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) | 2002-03-29 | 2002-09-28 | 2003-03-30 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-03-29 | 2006-09-28 | 2007-03-30 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-03-29 | 2010-09-28 | 2011-03-30 | $7700.00 | Window Closed / Lapsed |