Patent US6073119A successfully refreshed from Google Patents.
US6073119A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method and system for banking institution interactive center
Assignee: Citicorp Credit Services Inc USA
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Filing: 1997-12-03
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Granted: 2000-06-06
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Expires: 2017-12-03
Abstract
Abstract This invention generally relates to a banking facility layout and a method and system for networked customer and other user interaction with a variety of functions. These functions include access to networks, such as the internet, email capability, options to view information on banking capabilities, access to home banking, and other electronically-related user functions. The invention incorporates a purpose-designed environment that can be integrated into a branch or other banking institution facility. The invention also includes a video wall feature that allows interaction by networked users; users may take control of portions of the wall and add selected information to these portions.
Inventors
- 👤 Sylvia Bornemisza-Wahr
- 👤 Kevin Sy Lam
- 👤 Frank McCallick
- 👤 Roy Sinai
- 👤 Peter Paradiso
- 👤 Howard A. Schechtman
- 👤 Kenneth J. Randall
- 👤 Peter Tompkins
- 👤 Teresa A. Petach
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-01 10:40
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/18; G06Q20/10; G06Q20/108; G07; G07F; G07F17/00; G07F17/0014; G07F19/00; G07F19/20; G09; G09B; G09B7/00
Claims Analysis
Total Claims: 35
Claim 1
Independent Claim
116 words
A method for a user to obtain interactive information services on a first network in an interaction area, the interaction area including a shared network video device and a terminal, comprising: enrolling the user for access to the interaction area; issuing the user key access to the interaction area; the user inputting the key access at the interaction area; the user logging on to the terminal on the network; associating a connection time limit with the key access; limiting the user access time to the connection time limit; providing the logged on user with a selection of interactive information services; the user selecting an interactive information service; and the user interacting with the interactive information service.
Claim 2
Independent Claim
116 words
A method for a user to obtain interactive information services on a first network in an interaction area, the interaction area including a shared network video device and a terminal, comprising: enrolling the user for access to the interaction area; issuing the user key access to the interaction area; the user inputting the key access at the interaction area; the user logging on to the terminal on the network; associating a connection time limit with the key access; limiting the user access time to the connection time limit; providing the logged on user with a selection of interactive information services; the user selecting an interactive information service; and the user interacting with the interactive information service.
Claim 3
Dependent Claim
28 words
The method of claim 1 wherein the enrolling step further comprises: the user providing user-specific information; and transmitting the user-specific information to a server on the first network.
Claim 4
Dependent Claim
15 words
The method of claim 2 wherein the user-specific information comprises the name of the user.
Claim 5
Dependent Claim
21 words
The method of claim 1 wherein issuing the user key access further includes authorizing a credit card issued to the user.
Claim 6
Dependent Claim
21 words
The method of claim 1 wherein issuing the user key access further includes authorizing a debit card issued to the user.
Claim 7
Dependent Claim
21 words
The method of claim 1 wherein issuing the user key access further includes providing a temporary access card to the user.
Claim 8
Dependent Claim
19 words
The method of claim 1 wherein inputting the key access further includes dipping a card in a card reader.
Claim 9
Dependent Claim
28 words
The method of claim 1 further comprising: associating a user level with the key access; and providing access only to selected interactive information services for the user level.
Claim 10
Dependent Claim
15 words
The method of claim 1 further comprising providing administrative access for a banking institution representative.
Claim 11
Dependent Claim
12 words
The method of claim 9 wherein the administrative access comprises user access.
Claim 12
Dependent Claim
13 words
The method of claim 9 wherein the administrative access comprises system operator access.
Claim 13
Dependent Claim
19 words
The method of claim 9 wherein the administrative access comprises a selection for terminating access by a selected user.
Claim 14
Dependent Claim
21 words
The method of claim 9 wherein the administrative access comprises a selection for extending user access time for a selected user.
Claim 15
Dependent Claim
21 words
The method of claim 9 wherein the administrative access comprises a selection for shortening user access time for a selected user.
Claim 16
Dependent Claim
24 words
The method of claim 9 wherein the administrative access comprises a selection for changing a user level associated with a selected user's key access.
Claim 17
Dependent Claim
18 words
The method of claim 9 further comprising varying the administrative access depending on authorization of the banking representative.
Claim 18
Dependent Claim
12 words
The method of claim 1 wherein the terminal comprises a personal computer.
Claim 19
Dependent Claim
52 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option to access a preselected pathway on a second network; connecting the terminal to the preselected pathway on the second network; and displaying on the terminal information from the preselected pathway on the second network.
Claim 20
Dependent Claim
12 words
The method of claim 18 wherein the second network comprises the internet.
Claim 21
Dependent Claim
15 words
The method of claim 18 wherein the path-specific information comprises an internet web page location.
Claim 22
Dependent Claim
52 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option to search a second network; connecting the terminal to a search function on the second network; displaying the search function on the terminal; and the user utilizing the search function on the second network.
Claim 23
Dependent Claim
32 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option to view banking related information; and displaying on the terminal the banking related information.
Claim 24
Dependent Claim
68 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option to send electronic mail; presenting the user with an input template for sending electronic mail; the user inputting information into the input template; presenting the user with an option to transmit the inputted information; and if the user selects the option to transmit, transmitting the inputted information as electronic mail.
Claim 25
Dependent Claim
31 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option to view television broadcast information; and displaying at the terminal television broadcast information.
Claim 26
Dependent Claim
34 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option to view remaining user access time; and displaying on the terminal the remaining user access time.
Claim 27
Dependent Claim
50 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option to control audio volume; displaying on the terminal an interactive audio control volume function; and if the user interacts with the interactive audio control volume function, altering audio volume at the terminal.
Claim 28
Dependent Claim
13 words
The method of claim 1 wherein the terminal further comprises a directional speaker.
Claim 29
Dependent Claim
31 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option for interactive banking services; and displaying the interactive banking services at the terminal.
Claim 30
Dependent Claim
13 words
The method of claim 28 wherein the banking services comprise home banking services.
Claim 31
Dependent Claim
32 words
The method of claim 1 wherein selecting an interactive information service further includes: the user selecting an option for displaying banking promotional information; and displaying the banking promotional information at the terminal.
Claim 32
Dependent Claim
27 words
The method of claim 1 further comprising: displaying an accessible network display area; and providing the user with an option to share the accessible network display area.
Claim 33
Dependent Claim
46 words
The method of claim 31 further comprising: the user selecting said option to share the accessible network display area; the user selecting information displayed on the terminal for display on the accessible network display area; and displaying the selected information on the accessible network display area.
Claim 34
Dependent Claim
29 words
The method of claim 1 further comprising: displaying an accessible network display area; and providing the user with an option to grab information from the accessible network display area.
Claim 35
Dependent Claim
43 words
The method of claim 33 further comprising: the user selecting the option to grab the accessible network display area; the user selecting information displayed on the accessible network display area for display on the terminal; and displaying the selected information on the terminal.
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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) | 2003-06-06 | 2003-12-06 | 2004-06-06 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-06-06 | 2007-12-06 | 2008-06-06 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-06-06 | 2011-12-06 | 2012-06-06 | $7700.00 | Window Closed / Lapsed |