US5933816A
Expired / Lapsed
US
⏱️ 0.0 years remaining
System and method for delivering financial services
Assignee: Citicorp Credit Services Inc USA
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Filing: 1997-08-07
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Granted: 1999-08-03
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Expires: 2017-08-07
Abstract
Abstract A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones. In addition to providing services to these remote devices, the system and method provide services to automatic teller machines (ATMs), external service providers, and internally within the financial institution to staff terminals and to the individual branches of the financial institution. The delivery of financial services is not limited to any particular network but rather may be provided through dial-in access, Internet access, on-line service provider access, or other types of delivery networks. The system is comprised of a set of reusable global components which are modular and are organized into services sets. 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 substantially reducing the development and maintenance cycle time. The system and method operate in sessions and, for instance, 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. The system and method provide state-of-the art interfaces with interface components and support legacy applications with legacy app bridge components.
Inventors
- 👤 James Zeanah
- 👤 Charles Abbott
- 👤 Nik Boyd
- 👤 Albert Cohen
- 👤 James Cook
- 👤 Michael Grandcolas
- 👤 Sikhun Lan
- 👤 Bonnie Lindsley
- 👤 Grigor Markarian
- 👤 Leslie Moss
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-06 13:21
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/18; G06Q40/00; G07; G07F; G07F19/00; G07F19/20; G07F19/201; G07F19/211
Claims Analysis
Total Claims: 74
Claim 1
Independent Claim
80 words
A system for delivering financial services to a customer through a remote device, comprising: a mini-app dialog component; and a transaction executor component; the mini-app dialog component for receiving a request for a financial service function from the customer through the remote device, for collecting information from the customer through the remote device, and for instantiating the transaction executor component; wherein the transaction executor component is for use in performing the financial service function that was requested by the customer.
Claim 2
Independent Claim
80 words
A system for delivering financial services to a customer through a remote device, comprising: a mini-app dialog component; and a transaction executor component; the mini-app dialog component for receiving a request for a financial service function from the customer through the remote device, for collecting information from the customer through the remote device, and for instantiating the transaction executor component; wherein the transaction executor component is for use in performing the financial service function that was requested by the customer.
Claim 3
Dependent Claim
43 words
The system as set forth in claim 1, further comprising an interface between the mini-app dialog component and the remote device, the interface routing information from the customer and the request from the customer from the remote device to the mini-app dialog component.
Claim 4
Dependent Claim
24 words
The system as set forth in claim 2, wherein the interface routes information from a plurality of remote devices to the mini-app dialog component.
Claim 5
Dependent Claim
31 words
The system as set forth in claim 3, wherein the interface routes information from remote devices of a plurality of different types, the types including ATM terminals and home banking terminals.
Claim 6
Dependent Claim
21 words
The system as set forth in claim 3, wherein the interface receives information from remote devices over a mobile radiotelephone network.
Claim 7
Dependent Claim
20 words
The system as set forth in claim 3, wherein the interface receives information from remote devices over a cellular network.
Claim 8
Dependent Claim
20 words
The system as set forth in claim 3, wherein the interface receives information from remote devices over a cable network.
Claim 9
Dependent Claim
19 words
The system as set forth in claim 3, wherein the interface receives information from remote devices over the Internet.
Claim 10
Dependent Claim
24 words
The method as set forth in claim 8, wherein the receiving comprises receiving at the common interface requests from different types of remote device.
Claim 11
Dependent Claim
21 words
The system as set forth in claim 3, wherein the interface receives information from remote devices over a public telephone network.
Claim 12
Dependent Claim
34 words
The system as set forth in claim 1, further comprising a rule broker component for registering a rule authority for each question and for directing requests for an answer to an appropriate rule authority.
Claim 13
Dependent Claim
22 words
The system as set forth in claim 11, wherein the mini-app dialog component validates the customer information using the rule broker component.
Claim 14
Dependent Claim
29 words
The system as set forth in claim 1, further comprising a presentation manager component for mapping messages in a canonical representation into a format designated for the remote device.
Claim 15
Dependent Claim
38 words
The system as set forth in claim 13, wherein the presentation manager component is for converting the information from the customer into a tagged canonical representation and for supplying the tagged canonical representation to the mini-app dialog component.
Claim 16
Dependent Claim
38 words
The system as set forth in claim 1, further comprising a front door man component for adding security tokens to messages sent to the remote device and for verifying security tokens on messages received from the remote device.
Claim 17
Dependent Claim
33 words
The system as set forth in claim 1, further comprising a navigation shell component for notifying the customer of available functions and for instantiating the mini-app dialog component based on a function requested.
Claim 18
Dependent Claim
34 words
The system as set forth in claim 1, further comprising a welcome mat component for outputting a welcome page to the remote device of the customer and for collecting customer identity and preference information.
Claim 19
Dependent Claim
33 words
The system as set forth in claim 17, wherein the welcome mat component instantiates a customer ID component for holding customer information and an issuer component for answering questions on an issuer business.
Claim 20
Dependent Claim
22 words
The system as set forth in claim 17, wherein the welcome mat component instantiates a profile transaction executor to authenticate the customer.
Claim 21
Dependent Claim
41 words
The system as set forth in claim 17, wherein the welcome mat component instantiates a navigation shell component, the navigation shell component for notifying the customer of available functions and for instantiating the mini-app dialog component based on a function requested.
Claim 22
Dependent Claim
47 words
The system as set forth in claim 1, further comprising a legacy app bridge component for converting data between a tagged canonical representation into a second data format, the second data format being used by a legacy application to perform at least part of the function requested.
Claim 23
Dependent Claim
61 words
The system as set forth in claim 1, further comprising a language man component for storing a repository of phrases, the mini-app dialog component querying the language man component for a named phrase and the language man component returning the named phrase to the mini-app dialog component according to a language and content specific for the customer and the remote device.
Claim 24
Dependent Claim
22 words
The system as set forth in claim 1, further comprising an external service provider component for communicating with an external service provider.
Claim 25
Dependent Claim
26 words
The system as set forth in claim 23, wherein the transaction executor component uses the external service provider in performing the function requested by the customer.
Claim 26
Dependent Claim
57 words
The system as set forth in claim 1, further comprising a peripheral device component which is called by the mini-app dialog component in response to the function requested by the customer and which is for interfacing with a peripheral device associated with the remote device to perform at least part of the function requested by the customer.
Claim 27
Dependent Claim
40 words
The system as set forth in claim 1, further comprising a session controller component for receiving an initial contact from the customer through the remote device and for instantiating a session component for a session bubble associated with the customer.
Claim 28
Dependent Claim
26 words
The system as set forth in claim 26, wherein the session component instantiates a welcome mat component for sending a welcome page to the remote device.
Claim 29
Dependent Claim
46 words
The system as set forth in claim 26, further comprising a touch point interface component for interfacing with a plurality of customers for a plurality of sessions and for routing the information from each customer to the mini-app dialog component associated with the respective session bubble.
Claim 30
Dependent Claim
37 words
The system as set forth in claim 26, further comprising a back door man component for sending messages from a plurality of transaction executor components in a plurality of session bubbles to a single external service provider.
Claim 31
Dependent Claim
41 words
The system as set forth in claim 26, further comprising a back door man component for receiving messages from an external service provider and for routing each message to the transaction executor component associated with the session bubble for each message.
Claim 32
Dependent Claim
16 words
The system as set forth in claim 1, wherein the remote device is a personal computer.
Claim 33
Dependent Claim
16 words
The system as set forth in claim 1, wherein the remote device is a screen telephone.
Claim 34
Dependent Claim
17 words
The system as set forth in claim 1, wherein the remote device is an automated teller machine.
Claim 35
Dependent Claim
17 words
The system as set forth in claim 1, wherein the remote device is a personal data assistant.
Claim 36
Dependent Claim
25 words
The system as set forth in claim 1, wherein the remote device is a staff terminal used within a financial institution providing the financial services.
Claim 37
Dependent Claim
25 words
The system as set forth in claim 1, further comprising a second transaction executor component, the second transaction executor component for performing a second function.
Claim 38
Dependent Claim
54 words
The system as set forth in claim 1, further comprising a second mini-app dialog component for receiving a second request for a second function from the customer through the remote device, for collecting information from the customer through the remote device, and for instantiating a second transaction executor component for performing the second function.
Claim 39
Dependent Claim
105 words
A delivery system for providing financial services to different types of remote devices that include ATM terminals and home banking terminals, the delivery system comprising: an interface for communicating with the remote devices, the interface being shared between the different types of remote devices; a mini-app dialog component for receiving requests for financial service functions from the remote devices and for collecting customer information from the remote devices, the requests and the customer information being routed through the interface; and a transaction executor component, the transaction executor component being instantiated by the mini-app dialog component and is for use in performing the financial service functions.
Claim 40
Dependent Claim
105 words
A delivery system for providing financial services to different types of remote devices that include ATM terminals and home banking terminals, the delivery system comprising: an interface for communicating with the remote devices, the interface being shared between the different types of remote devices; a mini-app dialog component for receiving requests for financial service functions from the remote devices and for collecting customer information from the remote devices, the requests and the customer information being routed through the interface; and a transaction executor component, the transaction executor component being instantiated by the mini-app dialog component and is for use in performing the financial service functions.
Claim 41
Independent Claim
62 words
A method for delivering financial services to a remote device, comprising: receiving a request for a financial service function at a mini-app dialog component from a remote device; collecting information through the remote device with the mini-app dialog component; instantiating a transaction executor component; and performing the financial service function that was requested through the remote device with the transaction executor component.
Claim 42
Independent Claim
62 words
A method for delivering financial services to a remote device, comprising: receiving a request for a financial service function at a mini-app dialog component from a remote device; collecting information through the remote device with the mini-app dialog component; instantiating a transaction executor component; and performing the financial service function that was requested through the remote device with the transaction executor component.
Claim 43
Dependent Claim
19 words
The method as set forth in claim 39, wherein receiving the request comprises receiving the request over the Internet.
Claim 44
Dependent Claim
67 words
The method as set forth in claim 40, further comprising establishing a plurality of sessions with a plurality of remote devices and wherein receiving the request from the remote device comprises receiving the request from the remote device at a touch point interface component and routing the request from the touch point interface component to the mini-app dialog component associated with the session for the remote device.
Claim 45
Dependent Claim
26 words
The method as set forth in claim 39, wherein receiving the request comprises receiving the request from the remote device through an Internet Service Provider (ISP).
Claim 46
Dependent Claim
21 words
The method as set forth in claim 39, wherein receiving the request comprises receiving the request from an automated teller machine.
Claim 47
Dependent Claim
20 words
The method as set forth in claim 39, wherein receiving the request comprises receiving the request from a personal computer.
Claim 48
Dependent Claim
21 words
The method as set forth in claim 39, wherein receiving the request comprises receiving the request from a personal data assistant.
Claim 49
Dependent Claim
20 words
The method as set forth in claim 39, wherein receiving the request comprises receiving the request from a screen phone.
Claim 50
Dependent Claim
29 words
The method as set forth in claim 39, wherein receiving the request comprises receiving the request from a staff terminal located within a financial institution delivering the financial services.
Claim 51
Dependent Claim
36 words
The method as set forth in claim 39, further comprising receiving an initial contact from the remote device at a session controller component and instantiating a session component for managing a session with the remote device.
Claim 52
Dependent Claim
32 words
The method as set forth in claim 39, further comprising instantiating a welcome mat component for outputting a welcome page to the remote device prior to receiving the request for the function.
Claim 53
Dependent Claim
22 words
The method as set forth in claim 49, further comprising collecting customer identification information and preference information with the welcome mat component.
Claim 54
Dependent Claim
30 words
The method as set forth in claim 49, further comprising instantiating under the welcome mat component a profile transaction executor component, the profile transaction executor component for authenticating a customer.
Claim 55
Dependent Claim
35 words
The method as set forth in claim 49, further comprising instantiating under the welcome mat component a customer ID component for holding customer information and an issuer component for answering questions on an issuer business.
Claim 56
Dependent Claim
42 words
The method as set forth in claim 39, further comprising instantiating a navigation shell component for notifying a customer of available functions and instantiating the mini-app dialog component in response to a selection of a function associated with the mini-app dialog component.
Claim 57
Dependent Claim
64 words
The method as set forth in claim 39, further comprising receiving from the remote device a second request for a second function at a second mini-app dialog component, collecting information from the remote device with the second mini-app dialog component, instantiating a second transaction executor component, and performing the second function that was requested through the remote device with the second transaction executor component.
Claim 58
Dependent Claim
73 words
The method as set forth in claim 39, wherein the function requested is executed by a legacy application and the method further comprises instantiating a legacy app bridge component for converting information from a canonical representation into a second data format, transferring the information in the second data format to the legacy application, receiving an output from the legacy application in the second data format, and converting the output to the canonical representation.
Claim 59
Dependent Claim
26 words
The method as set forth in claim 39, wherein performing the function with the transaction executor component comprises performing the function through an external service provider.
Claim 60
Dependent Claim
50 words
The method as set forth in claim 56, further comprising performing a plurality of functions for transaction executor components in different sessions through the external service provider and routing, with a back door man component, messages from the transaction executor component in the different sessions to the external service provider.
Claim 61
Dependent Claim
25 words
The method as set forth in claim 57, further comprising routing each response message from the external service provider to its respective transaction executor component.
Claim 62
Dependent Claim
30 words
The method as set forth in claim 39, further comprising instantiating a presentation manager component for mapping information in a canonical representation into a format designated for the remote device.
Claim 63
Dependent Claim
50 words
The method as set forth in claim 39, further comprising instantiating a front door man component, providing security tokens on messages sent to the remote device with the front door man component, and verifying with the front door man component the security tokens on messages received from the remote device.
Claim 64
Dependent Claim
39 words
The method as set forth in claim 39, further comprising instantiating a rule broker component, registering rule authorities with the rule broker component, receiving a question at the rule broker, and directing the question to a respective rule authority.
Claim 65
Dependent Claim
25 words
The method as set forth in claim 61, further comprising validating customer information with the rule broker component on behalf of the mini-app dialog component.
Claim 66
Dependent Claim
52 words
The method as set forth in claim 39, further comprising instantiating a language man component, storing a repository of phrases in the language man component, receiving queries for a named phrase at the language man component, and returning the named phrase according to a language and content specific for the remote device.
Claim 67
Dependent Claim
55 words
The method as set forth in claim 39, further comprising instantiating a language man component, storing a repository of phrases in the language man component, receiving queries for a named phrase at the language man component, and returning the named phrase according to a language and content specific for a customer using the remote device.
Claim 68
Dependent Claim
42 words
The method as set forth in claim 39, wherein performing the function comprises calling a peripheral device component for interfacing with a peripheral device associated with the remote device to perform at least part of the function requested by the remote device.
Claim 69
Dependent Claim
26 words
The method as set forth in claim 39, wherein receiving comprises receiving at a common interface a plurality of requests from a plurality of remote devices.
Claim 70
Dependent Claim
19 words
The method as set forth in claim 39, wherein the receiving comprises receiving the request over a cellular network.
Claim 71
Dependent Claim
19 words
The method as set forth in claim 39, wherein the receiving comprises receiving the request over a cable network.
Claim 72
Dependent Claim
20 words
The method as set forth in claim 39, wherein the receiving comprises receiving the request over a public telephone network.
Claim 73
Dependent Claim
81 words
A computer-readable medium storing software for use by a computer in delivering financial services to a remote device, the software being executed by the computer in performing a method of: receiving a request for a financial service function at a mini-app dialog component from a remote device; collecting information through the remote device with the mini-app dialog component; instantiating a transaction executor component; and performing the financial service function that was requested through the remote device with the transaction executor component.
Claim 74
Dependent Claim
81 words
A computer-readable medium storing software for use by a computer in delivering financial services to a remote device, the software being executed by the computer in performing a method of: receiving a request for a financial service function at a mini-app dialog component from a remote device; collecting information through the remote device with the mini-app dialog component; instantiating a transaction executor component; and performing the financial service function that was requested through the remote device with the transaction executor 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) | 2002-08-02 | 2003-02-01 | 2003-08-03 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-08-02 | 2007-02-01 | 2007-08-03 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-08-02 | 2011-02-01 | 2011-08-03 | $7700.00 | Window Closed / Lapsed |