US5920848A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method and system for using intelligent agents for financial transactions, services, accounting, and advice
Assignee: Citibank NA
•
Filing: 1998-01-22
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Granted: 1999-07-06
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Expires: 2018-01-22
Abstract
Abstract The present invention relates to the use of computerized intelligent agents to facilitate the integration of networked performance of financial transactions with computerized methods of financial accounting. Incorporated into this combined financial transaction/financial accounting system are intelligent agents that automatically analyze the system information to provide users with financial advice. This invention permits the automated performance on-line of a wide variety of financial transactions and integrates these transactions with computerized financial accounting. All of this information is collated and analyzed automatically by intelligent agents, which generate user-specific financial reports, profiles, and advice, and under appropriate conditions take action.
Inventors
- 👤 Daniel Schutzer
- 👤 William Hull Forster, Jr.
- 👤 Huanrui Hu
- 👤 Wenke Lee
- 👤 Salvatore J. Stolfo
- 👤 Wei Fan
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-30 15:32
CPC Classifications
G; G06; G06Q; G06Q40/00; G06Q40/02; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/108; G06Q20/18; G06Q40/12; G06Q40/128
Claims Analysis
Total Claims: 77
Claim 1
Independent Claim
174 words
A method for a user to perform financial transactions and financial accounting, comprising the steps of: said user initiating a local client application on a terminal; said local client application initiating communication with a server; said user accessing a user account on said server; said user selecting a financial transaction; said user inputting information relating to said selected financial transaction; said server performing said financial transaction; said server automatically downloading information relating to said performed financial transaction to said local client application; said user initiating transfer of said downloaded information relating to said performed financial transaction from said local client application to a financial software application; said local client application transferring said downloaded information relating to said performed financial transaction to said financial software application; automatically performing financial functions using said downloaded information relating to said performed financial transaction to produce output information; transmitting said output information from said financial software application to said local client application; and uploading said output information from said local software, application to said user account on said server.
Claim 2
Independent Claim
174 words
A method for a user to perform financial transactions and financial accounting, comprising the steps of: said user initiating a local client application on a terminal; said local client application initiating communication with a server; said user accessing a user account on said server; said user selecting a financial transaction; said user inputting information relating to said selected financial transaction; said server performing said financial transaction; said server automatically downloading information relating to said performed financial transaction to said local client application; said user initiating transfer of said downloaded information relating to said performed financial transaction from said local client application to a financial software application; said local client application transferring said downloaded information relating to said performed financial transaction to said financial software application; automatically performing financial functions using said downloaded information relating to said performed financial transaction to produce output information; transmitting said output information from said financial software application to said local client application; and uploading said output information from said local software, application to said user account on said server.
Claim 3
Dependent Claim
14 words
The method of claim 1 wherein said local software application comprises an intelligent agent.
Claim 4
Dependent Claim
13 words
The method of claim 1 wherein said local software application comprises an applet.
Claim 5
Dependent Claim
35 words
The method of claim 1 further comprising the steps of: an intelligent agent analyzing said downloaded and output information to produce an analysis report; and said intelligent agent transmitting said analysis report to said user.
Claim 6
Dependent Claim
45 words
The method of claim 4 wherein said step of analyzing said downloaded an output information comprises the steps of: automatically monitoring said financial transaction; automatically tracing progress of said financial transaction; and automatically updating files stored by said intelligent agent relating to said financial transaction.
Claim 7
Dependent Claim
29 words
The method of claim 1 further comprising the steps of: said user selecting an action relating to financial transactions; and said user associating said action with a data file.
Claim 8
Dependent Claim
12 words
The method of claim 6 wherein said action comprises a warning message.
Claim 9
Dependent Claim
12 words
The method of claim 6 wherein said action comprises a reminder message.
Claim 10
Dependent Claim
12 words
The method of claim 6 wherein said action comprises a bill payment.
Claim 11
Dependent Claim
11 words
The method of claim 9 wherein said bill payment is recurring.
Claim 12
Dependent Claim
12 words
The method of claim 6 wherein said action comprises a funds transfer.
Claim 13
Dependent Claim
13 words
The method of claim 6 wherein said associating step comprises selecting a date.
Claim 14
Dependent Claim
13 words
The method of claim 6 wherein said associating step comprises a beginning date.
Claim 15
Dependent Claim
13 words
The method of claim 6 wherein said associating step comprises an end date.
Claim 16
Dependent Claim
13 words
The method of claim 6 wherein said associating step comprises a payee account.
Claim 17
Dependent Claim
13 words
The method of claim 6 wherein said associating step comprises a transferee account.
Claim 18
Dependent Claim
15 words
The method of claim 6 wherein said associating step comprises a condition for a payment.
Claim 19
Dependent Claim
36 words
The method of claim 1 further comprising the steps of: said user selecting an option to import said financial software application; and said local client application importing said financial software application into said local client application.
Claim 20
Dependent Claim
25 words
The method of claim 18 further comprising the step of said user initializing data requirements of said local client application for said financial software application.
Claim 21
Dependent Claim
17 words
The method of claim 1 wherein said information relating to said selected financial transaction comprises personal information.
Claim 22
Dependent Claim
18 words
The method of claim 1 wherein said information relating to said selected financial transaction comprises personal financial information.
Claim 23
Dependent Claim
17 words
The method of claim 1 wherein said information relating to said selected financial transaction comprises business information.
Claim 24
Dependent Claim
17 words
The method of claim 1 wherein said information relating to said selected financial transaction comprises banking information.
Claim 25
Dependent Claim
41 words
The method of claim 1 further including the steps of: said user entering personal identification information into said local client application; said local client application transmitting said personal identification information to said server; and said server verifying said personal identification information.
Claim 26
Dependent Claim
12 words
The method of claim 1 wherein said terminal comprises a personal computer.
Claim 27
Dependent Claim
11 words
The method of claim 1 wherein said terminal comprises a server.
Claim 28
Dependent Claim
13 words
The method of claim 1 wherein said terminal comprises a main frame computer.
Claim 29
Dependent Claim
12 words
The method of claim 1 wherein said server comprises a personal computer.
Claim 30
Dependent Claim
13 words
The method of claim 1 wherein said server comprises a main frame computer.
Claim 31
Dependent Claim
13 words
The method of claim 1 wherein said financial transaction comprises paying a bill.
Claim 32
Dependent Claim
12 words
The method of claim 1 wherein said financial transaction comprises transferring funds.
Claim 33
Dependent Claim
13 words
The method of claim 1 wherein said financial transaction comprises tracing a check.
Claim 34
Dependent Claim
15 words
The method of claim 1 wherein said financial transaction comprises tracing automatic teller machine activity.
Claim 35
Dependent Claim
40 words
The method of claim 1 further comprising the steps of: a learning agent monitoring said uploaded output information; said learning agent identifying trends in said uploaded output information; and said learning agent transmitting said identified trends to said user account.
Claim 36
Independent Claim
177 words
A system for transacting, monitoring, and tracing financial transactions, comprising: a customer terminal; a local software application running on the customer terminal for financial transaction performance, monitoring; and tracing; a server; a communications device coupling the local software application and the server; and an intelligent agent employed to interact with the server and the local software application; wherein the local software application initiates communication with the server; wherein a selection of a financial transaction is received from the user; wherein the server performs the financial transaction selected; wherein the server downloads information relating to the performed financial transaction to the local software application; wherein the local software application transfers the downloaded information relating to the performed financial transaction to a financial software application; wherein financial functions using the downloaded information relating to the performed financial transaction is performed to produce output information; wherein the output information is transferred from the financial software application to the local software application; and wherein the output information is uploaded from the local software application to the user account on the server.
Claim 37
Independent Claim
177 words
A system for transacting, monitoring, and tracing financial transactions, comprising: a customer terminal; a local software application running on the customer terminal for financial transaction performance, monitoring; and tracing; a server; a communications device coupling the local software application and the server; and an intelligent agent employed to interact with the server and the local software application; wherein the local software application initiates communication with the server; wherein a selection of a financial transaction is received from the user; wherein the server performs the financial transaction selected; wherein the server downloads information relating to the performed financial transaction to the local software application; wherein the local software application transfers the downloaded information relating to the performed financial transaction to a financial software application; wherein financial functions using the downloaded information relating to the performed financial transaction is performed to produce output information; wherein the output information is transferred from the financial software application to the local software application; and wherein the output information is uploaded from the local software application to the user account on the server.
Claim 38
Dependent Claim
12 words
The system of claim 35, wherein the terminal comprises a personal computer.
Claim 39
Dependent Claim
13 words
The system of claim 35, wherein the terminal comprises a local area network.
Claim 40
Dependent Claim
20 words
The system of claim 35, wherein the local software application tracks bill payments made by a user through the server.
Claim 41
Independent Claim
177 words
A method for performing financial transactions and financial accounting, comprising: a local client application on a terminal receiving a user initiation; the local client application initiating communication with a server; the server providing the user with access to a user account; receiving from the user a selection of a financial transaction; receiving information input by the user relating to the selected financial transaction; the server performing the financial transaction; the server automatically downloading information relating to the performed financial transaction to the local client application; receiving an instruction to transfer the downloaded information relating to the performed financial transaction from the local client application to a financial software application; the local client application transferring the downloaded information relating to the performed financial transaction to the financial software application; automatically performing financial functions using the downloaded information relating to the performed financial transaction to produce output information; transmitting the output information from the financial software application to the local client application; and uploading the output information from the local software application to the user account on the server.
Claim 42
Independent Claim
177 words
A method for performing financial transactions and financial accounting, comprising: a local client application on a terminal receiving a user initiation; the local client application initiating communication with a server; the server providing the user with access to a user account; receiving from the user a selection of a financial transaction; receiving information input by the user relating to the selected financial transaction; the server performing the financial transaction; the server automatically downloading information relating to the performed financial transaction to the local client application; receiving an instruction to transfer the downloaded information relating to the performed financial transaction from the local client application to a financial software application; the local client application transferring the downloaded information relating to the performed financial transaction to the financial software application; automatically performing financial functions using the downloaded information relating to the performed financial transaction to produce output information; transmitting the output information from the financial software application to the local client application; and uploading the output information from the local software application to the user account on the server.
Claim 43
Dependent Claim
14 words
The method of claim 39, wherein the local software application comprises an intelligent agent.
Claim 44
Dependent Claim
13 words
The method of claim 39, wherein the local software application comprises an applet.
Claim 45
Dependent Claim
32 words
The method of claim 39, further comprising: an intelligent agent analyzing the downloaded and output information to produce an analysis report; and the intelligent agent transmitting the analysis report to the user.
Claim 46
Dependent Claim
39 words
The method of claim 42, wherein analyzing the downloaded and output information comprises: automatically monitoring the financial transaction; automatically tracing progress of the financial transaction; and automatically updating files stored by the intelligent agent relating to the financial transaction.
Claim 47
Dependent Claim
35 words
The method of claim 39, further comprising: receiving a selection by the user of an action relating to financial transactions; and receiving an input from the user that associates the action with a data file.
Claim 48
Dependent Claim
12 words
The method of claim 44, wherein the action comprises a warning message.
Claim 49
Dependent Claim
12 words
The method of claim 44, wherein the action comprises a reminder message.
Claim 50
Dependent Claim
12 words
The method of claim 44, wherein the action comprises a bill payment.
Claim 51
Dependent Claim
11 words
The method of claim 47, wherein the bill payment is recurring.
Claim 52
Dependent Claim
12 words
The method of claim 44, wherein the action comprises a funds transfer.
Claim 53
Dependent Claim
27 words
The method of claim 44, wherein receiving an input from the user that associates the action with a data file comprises receiving a selection of a date.
Claim 54
Dependent Claim
25 words
The method of claim 44, wherein receiving an input from the user that associates the action with a data file comprises receiving a beginning date.
Claim 55
Dependent Claim
25 words
The method of claim 44, wherein receiving an input from the user that associates the action with a data file comprises receiving an end date.
Claim 56
Dependent Claim
25 words
The method of claim 44, wherein receiving, an input from the user that associates the action with a data file comprises receiving a payee account.
Claim 57
Dependent Claim
25 words
The method of claim 44, wherein receiving an input from the user that associates the action with a data file comprises receiving a transferee account.
Claim 58
Dependent Claim
27 words
The method of claim 44, wherein receiving an input from the user that associates the action with a data file comprises receiving a condition for a payment.
Claim 59
Dependent Claim
37 words
The method of claim 39, further comprising: receiving a selection from the user of an option to import the financial software application; and the local client application importing the financial software application into the local client application.
Claim 60
Dependent Claim
24 words
The method of claim 56, further comprising receiving from the user initializing data requirements of the local client application for the financial software application.
Claim 61
Dependent Claim
17 words
The method of claim 39, wherein the information relating to the selected financial transaction comprises personal information.
Claim 62
Dependent Claim
18 words
The method of claim 39, wherein the information relating to the selected financial transaction comprises personal financial information.
Claim 63
Dependent Claim
17 words
The method of claim 39, wherein the information relating to the selected financial transaction comprises business information.
Claim 64
Dependent Claim
17 words
The method of claim 39, wherein the information relating to the selected financial transaction comprises banking information.
Claim 65
Dependent Claim
39 words
The method of claim 39, further comprising: receiving at the local client application personal identification information from the user; the local client application transmitting the personal identification information to the server; and the server verifying the personal identification information.
Claim 66
Dependent Claim
12 words
The method of claim 39, wherein the terminal comprises a personal computer.
Claim 67
Dependent Claim
11 words
The method of claim 39, wherein the terminal comprises a server.
Claim 68
Dependent Claim
13 words
The method of claim 39, wherein the terminal comprises a main frame computer.
Claim 69
Dependent Claim
12 words
The method of claim 39, wherein the server comprises a personal computer.
Claim 70
Dependent Claim
13 words
The method of claim 39, wherein the server comprises a main frame computer.
Claim 71
Dependent Claim
13 words
The method of claim 39, wherein the financial transaction comprises a bill payment.
Claim 72
Dependent Claim
13 words
The method of claim 39, wherein the financial transaction comprises a funds transfer.
Claim 73
Dependent Claim
15 words
The method of claim 39, wherein the financial transaction comprises a trace of a check.
Claim 74
Dependent Claim
17 words
The method of claim 39, wherein the financial transaction comprises a trace of automatic teller machine activity.
Claim 75
Dependent Claim
37 words
The method of claim 39, further comprising: a learning agent monitoring the uploaded output information; the learning agent identifying trends in the uploaded output information; and the learning agent transmitting the identified trends to the user account.
Claim 76
Independent Claim
207 words
A system for performing financial transactions and financial accounting, comprising: means for receiving a user initiation by a local client application on a terminal; means for the local client application to initiate communication with a server; means for the server to provide the user with access to a user account; means for receiving from the user a selection of a financial transaction; means for receiving information input by the user relating to the selected financial transaction; means for the server to perform the financial transaction; means for the server to download automatically information relating to the performed financial transaction to the local client application; means for receiving an instruction to transfer the downloaded information relating to the performed financial transaction from the local client application to a financial software application; means for the local client application to transfer the downloaded information relating to the performed financial transaction to the financial software application; means for automatically performing financial functions using the downloaded information relating to the performed financial transaction to produce output information; means for transmitting the output information from the financial software application to the local client application; and means for uploading the output information from the local software application to the user account on the server.
Claim 77
Independent Claim
207 words
A system for performing financial transactions and financial accounting, comprising: means for receiving a user initiation by a local client application on a terminal; means for the local client application to initiate communication with a server; means for the server to provide the user with access to a user account; means for receiving from the user a selection of a financial transaction; means for receiving information input by the user relating to the selected financial transaction; means for the server to perform the financial transaction; means for the server to download automatically information relating to the performed financial transaction to the local client application; means for receiving an instruction to transfer the downloaded information relating to the performed financial transaction from the local client application to a financial software application; means for the local client application to transfer the downloaded information relating to the performed financial transaction to the financial software application; means for automatically performing financial functions using the downloaded information relating to the performed financial transaction to produce output information; means for transmitting the output information from the financial software application to the local client application; and means for uploading the output information from the local software application to the user account on the server.
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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) | 2002-07-05 | 2003-01-04 | 2003-07-06 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-07-05 | 2007-01-04 | 2007-07-06 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-07-05 | 2011-01-04 | 2011-07-06 | $7700.00 | Window Closed / Lapsed |