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| 1 | IEEE TRANSACTIONS ON CONSUMER ELECTRONICS. 40 (4): 879-889 NOV 1994 (Tsang, 1994) | Motorola Semiconductors H.K. Limited, City Polytechnic of Hong Kong | DEVELOPMENT OF A DISTRIBUTIVE LIGHTING CONTROL-SYSTEM USING LOCAL OPERATING NETWORK | ▪ different types ≈ active feature ▪ computer systems ≈ control system | X | X | X | |||||||||||||||||||
| 2 | US20040010597A1 (Hope Kirschner, 2004) | (Original Assignee) Electronic Data Systems LLC (Current Assignee) HP Enterprise Services LLC | System and method for providing enhanced services in a multi-channel interactive distributed environment | ▪ marketing content ≈ profile information ▪ wherein one ≈ wherein one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches wherein said code objects comprise documents expressed in a terminal mark up language TML that supports… ▪ teaches wherein the TML supports string integer date and opaque variables… ▪ discloses a method for paying for goods and services as claimed in claim… ▪ describes one embodiment of the database and central controllers terminal connection with or without modem see col… | X | X | X | X | X | X | X | X | X | |||||||||||
| 3 | US20020138432A1 (Katsuhiko Makino, 2002) | (Original Assignee) Asahi Bank Ltd (Current Assignee) Resona Holdings Inc | System and method for reporting customer visits to a bank or the like | ▪ customer name ≈ specific information ▪ select transactions ≈ current transaction ▪ computer system ≈ second terminals | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches these as magnetic stripe card reader encodes the magnetic strip and sensor pad see atleast… ▪ discloses a method and system for remote delivery of retail banking services… ▪ teaches a method for selective marketing in response to customer shopping histories with steps for analyzing spending… ▪ discloses customers purchasing patterns over a period of time paragraph… | X | X | X | X | X | |||||||||||||||
| 4 | US20030040959A1 (Calvin Fei, 2003) | (Original Assignee) Bank of America Corp (Current Assignee) Bank of America Corp | Method and apparatus for conducting transactions on an automated teller machine | ▪ conducting transactions ≈ transaction request ▪ wherein one ≈ wherein one ▪ data storage device ≈ said memory | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches that adding the feature helps to provide a personalized user interface for a segment of customers or an… ▪ discloses that the web portal banking center is associated with a financial institution see at least… ▪ discloses a system and method for displaying advertisements to a user of an online client device as in… ▪ teaches comprising the step of displaying an offer for a product abstract… | X | X | X | X | ||||||||||||||||
| 5 | US20050240522A1 (Arthur Kranzley, 2005) | (Original Assignee) Mastercard International Inc (Current Assignee) Mastercard International Inc | System and method for conducting secure payment transaction | ▪ data storage device ≈ following steps ▪ locations remote ≈ work location | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a transaction card applied to payment of postal services see… ▪ discloses a of ways in which bill pay service payments were functioning at the time of… ▪ teaches a payment link is generated by recipient of funds see at least paragraph… ▪ teaches receiving by the at least one communication interface a response from the funding source gateway… | X | X | X | |||||||||||||||||
| 6 | US20050216421A1 (B. Barry, 2005) | (Original Assignee) Verizon Business Global LLC (Current Assignee) Verizon Patent and Licensing Inc | Integrated business systems for web based telecommunications management | ▪ customer name ≈ communications connections ▪ select transactions ≈ secure server | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a method of facilitating interactive communication as claimed in claim… ▪ discloses wherein the display time zone interface element forming part of the user interface comprises a display time… ▪ discloses the user enters the starting date and time and ending date and time the market performance management system… ▪ teaches an intranet based reporting system infrastructure col… | X | X | X | |||||||||||||||||
| 7 | US20050222933A1 (Philip Wesby, 2005) | (Original Assignee) Wesby Philip B (Current Assignee) M2M SOLUTIONS LLC | System and method for monitoring and control of wireless modules linked to assets | ▪ one plurality ≈ atmospheric temperature ▪ customer name, customer profile ≈ remote diagnostics, vehicle track ▪ touch point devices ≈ pressure sensors ▪ wireless device ≈ said database ▪ marketing content ≈ access code, use effect ▪ monetary amount ≈ said sensor ▪ wherein one ≈ wherein one ▪ touch points ≈ LCD screen ▪ data storage device ≈ hard disk | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses method for monitoring and control of wireless modules linked to assets… ▪ teaches monitoring the health of a distributed wireless sensing network via a remote controller… ▪ discloses denying access to data if a password of an account is not changed within a predetermined amount of time after… ▪ discloses fluorescent indicators as a suitable alternative to LED indicators… | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | |||||
| 8 | US20050096994A1 (Jay Drummond, 2005) | (Original Assignee) Diebold Nixdorf Inc (Current Assignee) Diebold Nixdorf Inc | Cash dispensing automated banking machine and method | ▪ computer systems ≈ computer readable media ▪ conducting transactions ≈ financial transactions | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches some merchants may keep a record of a coupon in order to protect against replay usage ie the same coupon is… ▪ teaches that an electronic transaction receipt may contain marketing material such as an electronic coupon col… ▪ discloses a server that interprets an HTML document containing a URL… ▪ teaches wherein the TML supports string integer date and opaque variables… | X | X | X | X | X | |||||||||||||||
| 9 | US20050097000A1 (Gregg Freishtat, 2005) | (Original Assignee) Proficient Systems Inc (Current Assignee) LivePerson Inc | Systems and methods to facilitate selling of products and services | ▪ marketing content ≈ profile information, action information ▪ different types ≈ different types | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a system for the remote noti cation and retrieval of electronically stored messages wherein a user requests to… ▪ teaches the method of providing agent assistance as in claim… ▪ teaches a system and method for allowing searching of products from multiple venders and grouping products according… ▪ discloses an apparatus comprising a processor a communication port coupled to the processor and a storage device… | X | X | X | X | X | X | X | X | X | |||||||||||
| 10 | US20040267664A1 (Deok-Young Nam, 2004) | (Original Assignee) LG Uplus Corp (Current Assignee) LG Uplus Corp | Method for providing banking services by use of mobile communication system | ▪ conducting transactions ≈ financial transactions, transaction request ▪ transaction machine, customer profile ≈ financial institution ▪ monetary amount ≈ electronic bank ▪ self service coin counter ≈ random number | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a system comprising all of the limitations as claimed… ▪ discloses wherein a transaction account is also associated with another device including a magnetic swipe card… ▪ teaches an ATM machine providing a special service function electronic banking analogous to that of the mobile… ▪ teaches the use of an intelligent cell phone to communicate reservation of products such as event tickets and a means… | X | X | X | X | X | X | X | |||||||||||||
| 11 | US20040260636A1 (Stephen Marceau, 2004) | (Original Assignee) Integrated Data Control Inc (Current Assignee) INDACON Inc | Check image access system | ▪ conducting transactions ≈ financial transactions ▪ marketing content ≈ action information ▪ computer system ≈ computer system | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches a method of treating browser data as an alphanumeric string column… ▪ discloses a server that interprets an HTML document containing a URL… ▪ discloses as his invention an electronic check presentment system having a return item notification system incorporated… ▪ discloses a method and apparatus for storing and retrieving images of documents eg checks see entire document… | X | X | X | X | X | X | X | X | X | X | X | X | ||||||||
| 12 | US20050073584A1 (Jeffery Enright, 2005) | (Original Assignee) Diebold Inc (Current Assignee) Diebold Nixdorf Inc | Cash dispensing automated banking machine with improved fraud detection capabilities | ▪ one plurality ≈ other imaging ▪ different types, touch point devices ≈ function key | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches wherein the step of parsing the received message to ascertain if the message contains management information… ▪ teaches transaction level data comprising an issuer identifier for an issuer of an account a merchant identifier… ▪ teaches that terminals can be combined into various groups for reporting and analysis purposes… ▪ discloses A sensor for providing a third signal to the network wherein one of the event based trigger points comprises… | X | |||||||||||||||||||
| 13 | US20050027649A1 (Richard Cech, 2005) | (Original Assignee) JPMorgan Chase and Co (Current Assignee) JPMorgan Chase and Co | Event typer | ▪ select transactions ≈ transaction processing ▪ comprise one ≈ comprise one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a personal nancial management so ware program according to claim… ▪ discloses obtaining a set of regulatory requirements and a plurality of performance data for a risk transfer operation… ▪ discloses a medium storing instructions adapted to be executed by a processor col… ▪ teaches customizing the report for the destination including travel risk categories associated with the traveler and… | X | X | X | X | X | X | ||||||||||||||
| 14 | US20050192862A1 (Manaw Modi, 2005) | (Original Assignee) Capital One Financial Corp (Current Assignee) Capital One Services LLC | Methods, systems, and articles of manufacture for providing incentives for a financial account | ▪ marketing content ≈ action information ▪ different types ≈ different types ▪ select transactions, conducting transactions ≈ when m | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a casino incentive reward program for providing reward points to a player utilizing casino game machines via a… ▪ discloses a customer service system having a point value and discount rate US… ▪ teaches wherein the information comprises a of accumulated cash associated with a rewards account see… ▪ teaches a remote central monitoring system for game machines where there is a central monitoring device… | X | X | X | X | X | X | X | X | X | X | X | X | ||||||||
| 15 | US20040158549A1 (Vladimir Matena, 2004) | (Original Assignee) LAMMINA SYSTEMS Corp (Current Assignee) Google LLC | Method and apparatus for online transaction processing | ▪ select transactions ≈ second transaction, first transaction ▪ transaction machine ≈ change log ▪ multi-channel server ≈ d log | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a computer readable storage medium encoded with processing instructions for implementing a continuous dual… ▪ teaches a method of sending event notifications associated with the creation of an execution module or container to a… ▪ teaches a system for storing and retrieving video data at distributed sites… ▪ teaches database synchronization program that can remove or update item of the items of the transactional state… | X | X | X | X | X | X | ||||||||||||||
| 16 | US20050102704A1 (Rudy Prokupets, 2005) | (Original Assignee) Lenel Systems International Inc (Current Assignee) Carrier Fire and Security Americas Corp | Multiregional security system integrated with digital video recording and archiving | ▪ data storage device ≈ data storage device ▪ computer system, computer systems ≈ data capture, control system ▪ wherein one ≈ wherein one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ discloses creating at least one new object eg new record in the store eg database when it is determined that the store… ▪ discloses receiving respective unique identifier elements associated with the objects eg object IDs… ▪ discloses sharing of digital media via personal broadcast channels… ▪ discloses the content comprises one or more video signals obtained from the external network and associated with… | X | X | X | |||||||||||||||||
| 17 | US20040122736A1 (Bradley Strock, 2004) | (Original Assignee) Bank One Delaware NA (Current Assignee) JPMorgan Chase Bank NA | System and method for granting promotional rewards to credit account holders | ▪ marketing content ≈ action information ▪ service coin counter ≈ account status, debit account ▪ customer name ≈ debit card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches inputting of data by an advertiser in various formats for advertising rules such as population descriptions… ▪ teaches A method system medium comprising receivingan offer setup request see… ▪ discloses a customer may select an item for purchase from the rewards points issuing entity or redeem credits for access… ▪ discloses at least some of the claimed features andor limitations if not all and should be duly noted… | X | X | X | X | X | X | X | X | X | X | X | X | ||||||||
| 18 | US20050080737A1 (Marc Stein, 2005) | (Original Assignee) Stein Marc F.; Anthony Argiropoulos; Silva Richard Paul | Process and system for converting change from cash sale transactions (paper currency and coins) into electronic format at the point of sale for the immediate electronic transfer and deposit of the converted change into financial accounts and the funding of financial accounts at the point of sale | ▪ select transactions, monetary amount ≈ financial institutions ▪ self service coin counter, service coin counter ≈ paper currency | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches staging transactions and facilitating payments including ACH payments see at least… ▪ teaches the sharing of jobs among computers to help improve execution speeds see… ▪ discloses comprising a datastore maintaining account information for a plurality of transaction card package assemblies… ▪ teaches said public key and said secret key are keys inherent in the user ID recorded on said IC card… | X | X | X | X | ||||||||||||||||
| 19 | US20040029630A1 (Jay Walker, 2004) | (Original Assignee) Walker Asset Management LP; Walker Digital LLC (Current Assignee) Inventor Holdings LLC | Method and apparatus for operating lotteries and for generating and processing lottery entries | ▪ wherein one ≈ calculating step ▪ data storage device ≈ said memory | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ teaches that providing a guaranteed win increases participation in the game… ▪ discloses that the parimutuel pool may comprise the set of all tokens awarded to all players… ▪ teaches winners submit information prior to receiving the prize see col… ▪ discloses a gaming machine with game controller game meter and an interface to connect to specific subsystems internal… | X | |||||||||||||||||||
| 20 | US6850996B2 (Richard Hiers Wagner, 2005) | (Original Assignee) Datascape Inc (Current Assignee) WiLAN Technologies Inc | System and method for enabling transactions between a web server and an automated teller machine over the internet | ▪ conducting transactions ≈ financial transactions ▪ transaction machine ≈ data operation | X | X | X | |||||||||||||||||||
| 21 | US20040006657A1 (Richard Wagner, 2004) | (Original Assignee) Wagner Richard Hiers (Current Assignee) WiLAN Technologies Inc | System and method for enabling transactions between a web server and an automated teller machine over the internet | ▪ conducting transactions ≈ financial transactions ▪ transaction machine ≈ data operation | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses that in some ATM systems the ATMs are coupled to the central processing system through dedicated telephone or… ▪ teaches the use of a signature pad as an externally connected device in operation with a point of sale device… ▪ teaches d comparing data representative of user input and the user data accessed in c for correspondence see column… ▪ discloses transaction function devices and HTML documents with print instructions included therein for printing… | X | X | X | |||||||||||||||||
| 22 | US20040061720A1 (Matt Weber, 2004) | (Original Assignee) Matt Weber | Multi-function browser toolbar with method for online institutional administrative browser control | ▪ self service coin counter ≈ Internet browser ▪ touch point devices ≈ based control | X | |||||||||||||||||||||
| 23 | US20030164398A1 (Jay Walker, 2003) | (Original Assignee) Walker Jay S.; Van Luchene Andrew S.; Tedesco Daniel E.; Dickerson John B. | Method and apparatus for determining whether a verbal message was spoken during a transaction at a point-of-sale terminal | ▪ data storage device ≈ data storage device ▪ marketing content ≈ action information | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches further comprising in response to the control command disabling an output on a display of at least one keypad… ▪ discloses determining what product should be offered as a resolution to the purchaser based on criterion such as the… ▪ discloses the method wherein the live agent is a telemarketing agent… ▪ teaches dynamic switching between a speech modality and GUI interaction page… | X | X | X | X | X | X | X | X | X | |||||||||||
| 24 | US20030204460A1 (Rodney Robinson, 2003) | (Original Assignee) Rodney Robinson; Stephen Zorn (Current Assignee) Intuit Inc ; Teknowledge Corp | Data collection and transaction initiation using a financial messaging protocol | ▪ transaction machine, customer profile ≈ financial institution, specific information ▪ self service coin counter ≈ Internet browser ▪ multi-channel server ≈ d log | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches a digital signature system including receiving an electronic signature from a user to sign results of a test… ▪ teaches the method wherein said authorization key comprises at least one of a login identification or a password… ▪ discloses a system and terminals for credit card and debit card transactions reading on the claimed communication system… ▪ teaches the ability of a PFM system to access the bank account of a financial institution in order to obtain… | X | X | X | X | X | X | X | X | X | |||||||||||
| 25 | US6805287B2 (Fred Bishop, 2004) | (Original Assignee) American Express Travel Related Services Co Inc (Current Assignee) Liberty Peak Ventures LLC | System and method for converting a stored value card to a credit card | ▪ conducting transactions ≈ financial transactions ▪ service coin counter ≈ online communication | X | X | X | X | ||||||||||||||||||
| 26 | US20030212762A1 (Craig Barnes, 2003) | (Original Assignee) You Networks Inc (Current Assignee) YOU SOFTWARE Inc DBA ATTENSA ; Attensa Inc | Delivery system and method for uniform display of supplemental content | ▪ locations remote ≈ storage location ▪ computer system ≈ monitoring data ▪ touch point devices ≈ display panel | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses systems and methods for navigating hypermedia over a home area network using multiple coordinated inputoutput… ▪ teaches that users of different devices may have preferences for different languages… ▪ teaches embedding web access in an appliance whereby access to user interface functions for a device is attained… ▪ discloses displaying the primary information as a virtual page while the secondary data is downloaded and held in memory… | X | X | ||||||||||||||||||
| 27 | US6745938B2 (Kevin Sullivan, 2004) | (Original Assignee) Bank One Delaware NA (Current Assignee) Chase Bank USA NA | System and methods for card payment instrument with rebate applied to an insurance premium | ▪ marketing content ≈ payment system ▪ customer name ≈ debit card | X | X | X | X | X | X | X | X | X | X | X | X | ||||||||||
| 28 | US20020120582A1 (Stephen Elston, 2002) | (Original Assignee) ONTAIN Corp (Current Assignee) Cardant Holdings Ltd | Method for establishing an electronic commerce account | ▪ wireless device ≈ said database ▪ service coin counter ≈ debit account ▪ customer name ≈ debit card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches funds allocated to account from parent company and from rewards for performance para… ▪ teaches a responsibility list performance and completion thereof para… ▪ discloses the process wherein the promotional offer is redeemed to the potential customer by the content producer after… ▪ teaches each agentchild is given an allocation of funds with a budget for each agentchild a first fund allocation… | X | X | X | X | X | X | ||||||||||||||
| 29 | US20030163403A1 (Kitty Chen, 2003) | (Original Assignee) UBS PaineWebber Inc (Current Assignee) UBS Financial Services Inc | Method and system for providing a weighted average aggregated accounts report | ▪ customer name ≈ database server ▪ locations remote ≈ more process | X | X | X | X | X | |||||||||||||||||
| 30 | US20030084046A1 (Jarrod Rogers, 2003) | (Original Assignee) ABM Systems Ltd (Current Assignee) ABM Systems Ltd | Versatile database interface system | ▪ monetary amount ≈ access points ▪ customer name ≈ more service | X | X | X | |||||||||||||||||||
| 31 | US6771290B1 (Martin David Hoyle, 2004) | (Original Assignee) B E Tech LLC (Current Assignee) B E Tech LLC | Computer interface method and apparatus with portable network organization system and targeted advertising | ▪ data storage device ≈ data storage device ▪ customer profile ≈ user profiles ▪ multi-channel server ≈ d log | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches methods for capturing demographic information from a skinable software application and… ▪ teaches a user interface is switched in respond to content or user selection… ▪ teaches the presentation vehicle is a slider comprising sliding panel that automatically retracts based on some preset… ▪ discloses wherein the notification bar user interface control includes a color bar that extends horizontally across the… | X | X | X | X | X | X | ||||||||||||||
| 32 | US20020052841A1 (Paul Guthrie, 2002) | (Original Assignee) Brodia Group (Current Assignee) Brodia Group | Electronic payment system | ▪ select transactions, monetary amount ≈ financial institutions, transaction processing ▪ customer name ≈ electronic wallet, debit card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches wherein the transaction payment value is dynamically converted into a currency selected by the user see… ▪ teaches the step of sending from the server to the user a first query for account balance and sufficiency of funds for… ▪ discloses a method of operating a computer account system at an agency the method comprising maintaining a plurality of… ▪ teaches an automated electronic process of performing this method… | X | X | X | |||||||||||||||||
| 33 | US20020032655A1 (Thierry Antonin, 2002) | (Original Assignee) EURONET SERVICE Inc (Current Assignee) EURONET SERVICE Inc | System and method for providing financial services terminals with a document driven interface | ▪ select transactions ≈ transaction processing ▪ conducting transactions ≈ financial transactions ▪ touch points ≈ starting point | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches that adding the feature helps to provide an transaction receipt or other messages to a user of an automated… ▪ teaches a system and method for authenticating hardware and software in a graphics system… ▪ teaches wherein said code objects comprise documents expressed in a terminal mark up language TML that supports… ▪ discloses a server that interprets an HTML document containing a URL… | X | X | X | X | X | X | ||||||||||||||
| 34 | US6925493B1 (Arye Barkan, 2005) | (Original Assignee) Oblicore Ltd (Current Assignee) CA Inc | System use internal service level language including formula to compute service level value for analyzing and coordinating service level agreements for application service providers | ▪ wireless device ≈ said database ▪ transaction machine ≈ said engine | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses one or more interfaces to one or more communications channels that may include one or more interfaces to user… ▪ discloses wherein the digital rights information is a pointer to link a user to a property rights database… ▪ teaches storing a second record with mapping information in the memory mapped file… ▪ discloses A client session s time stamp is updated each time a message transaction containing the session id for the… | X | X | X | |||||||||||||||||
| 35 | JP2001195654A (Douglas W Caruthers, 2001) | (Original Assignee) Citicorp Dev Center Inc; シティコープ デヴェロップメント センター，インコーポレイテッド | 無人のモジュラーキオスクを介して安全な双方向性サービスを提供する方法、システム、および装置 | ▪ touch points ≈ データ入力 ▪ data storage device ≈ 少なくとも ▪ one plurality ≈ のデータ ▪ unified electronic banking, unified electronic banking system ≈ 小切手 | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches that adding the feature helps to provide an transaction receipt or other messages to a user of an automated… ▪ teaches or a set of at least one user selected preference abstract… ▪ discloses a multimedia content delivery system wherein said output device comprises a communication link permitting… ▪ describes that the electronic funding can become available the instrument is simply the conduit for the electronic… | X | X | X | X | X | X | ||||||||||||||
| 36 | US6628314B1 (Martin David Hoyle, 2003) | (Original Assignee) B E Tech LLC (Current Assignee) B E Tech LLC | Computer interface method and apparatus with targeted advertising | ▪ data storage device ≈ data storage device ▪ one plurality ≈ unique identifiers ▪ touch points ≈ representing one ▪ wherein one ≈ wherein one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches methods for capturing demographic information from a skinable software application and… ▪ teaches a user interface is switched in respond to content or user selection… ▪ teaches the presentation vehicle is a slider comprising sliding panel that automatically retracts based on some preset… ▪ discloses wherein the notification bar user interface control includes a color bar that extends horizontally across the… | X | X | X | X | X | X | ||||||||||||||
| 37 | US6609111B1 (Lawrence L. Bell, 2003) | (Original Assignee) Lawrence L. Bell | Method and apparatus for modeling and executing deferred award instrument plan | ▪ transaction machine ≈ actual performance ▪ select transactions ≈ memory operation ▪ computer system ≈ computer system, stored data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses an electronic fund transfer participant risk management clearing… ▪ teaches wherein the debt coverage policy comprises an insurance policy column… ▪ teaches the computerimplemented method of claim I as described above… ▪ discloses a transaction surveillance that facilitates the prevention of money laundering by monitoring various facets of… | X | X | X | X | X | |||||||||||||||
| 38 | JP2002123272A (Hitoshi Kuroiwa, 2002) | (Original Assignee) Sony Corp; ソニー株式会社 | 音楽データ配信システム、サーバ装置、情報端末装置、並びに音楽データ配信方法 | ▪ service coin counter ≈ のサーバ ▪ data storage device ≈ システム | X | X | ||||||||||||||||||||
| 39 | EP1091328A2 (Peter Paradiso, 2001) | (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Development Center Inc | Method and system for providing an incentive to use an automated teller machine (ATM) | ▪ select transactions ≈ electronic transaction ▪ transaction machine, customer profile ≈ financial institution ▪ conducting transactions ≈ transaction request, to view | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ teaches the motivation of cataloging and correlated transaction data so that data can be easily and reliably retrieved… ▪ teaches formatting the credit offer inquiry in extensible markup language… ▪ teaches a method comprising receiving electronically a login request PIN request from a user at a terminal ATM that is… ▪ teaches the indicia is printed on a receipt of a transaction… | X | X | X | X | X | X | ||||||||||||||
| 40 | JP2002063629A (Koichi Hatta, 2002) | (Original Assignee) Oki Electric Ind Co Ltd; 沖電気工業株式会社 | 自動取引装置、自動取引システム及びメッセージ出力装置 | ▪ customer profile ≈ メッセー ▪ data storage device ≈ システム, 表示部 | X | X | X | X | ||||||||||||||||||
| 41 | US6876971B1 (Bertram V. Burke, 2005) | (Original Assignee) Every Penny Counts Inc (Current Assignee) Every Penny Counts Inc | Funds distribution system connected with point of sale transaction | ▪ computer system ≈ computer system ▪ monetary amount ≈ said sensor ▪ customer name ≈ debit card ▪ computer systems ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches funds allocated to account from parent company and from rewards for performance para… ▪ teaches a responsibility list performance and completion thereof para… ▪ teaches each agentchild is given an allocation of funds with a budget for each agentchild a first fund allocation… ▪ teaches wherein a method and system enables affinity group card members to accrue rewards based on aggregated affinity… | X | X | X | X | X | X | ||||||||||||||
| 42 | US6622124B1 (H. Brock Kolls, 2003) | (Original Assignee) USA Technologies Inc (Current Assignee) USA Technologies Inc | Method of transacting an electronic mail, an electronic commerce, and an electronic business transaction by an electronic commerce terminal operated on a transportation vehicle | ▪ monetary amount ≈ business transaction ▪ marketing content ≈ electronic commerce | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses the remote information capture system according to claim… ▪ discloses interchanging smart card readerwriters with magnetic card readerwriters and other devices including wireless… ▪ discloses that printed coupon data can consist of nancial or other internet based data… ▪ discloses a method for providing kiosk service offerings comprising retrofitting an existing publiclylocated and fixed… | X | X | X | X | X | X | X | X | X | X | X | X | ||||||||
| 43 | US6721783B1 (Gary B. Blossman, 2004) | (Original Assignee) Parish National Bank (Current Assignee) Parish National Bank | E-mailer controller for privately and securely delivering bank notices, advices and monthly statements | ▪ monetary amount ≈ electronic bank ▪ conducting transactions ≈ one bank ▪ multi-channel server ≈ d log | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches method and apparatus for funds and credit line transfer W eichert et al… ▪ discloses one or more computer readable media as recited in claim… ▪ discloses an electronic commercial transaction system interactive market management system for selectively enabling… ▪ discloses identifying restrictions associated with the payment account comparing the restrictions to an identity of the… | X | X | X | X | X | X | ||||||||||||||
| 44 | US6445682B1 (Eliot Weitz, 2002) | (Original Assignee) Vertical Networks Inc (Current Assignee) RPX Corp ; Vertical Networks Inc | Systems and methods for multiple mode voice and data communications using intelligently bridged TDM and packet buses and methods for performing telephony and data functions using the same | ▪ monetary amount ≈ more packet ▪ wherein one ≈ wherein one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches the use of multiple protocols on a single card see column… ▪ discloses wherein the plurality of network applications include one or more voice applications… ▪ teaches the use of a frame format comprising one or more slots for TDM traf c one or more slots for nonTDM traf c and… ▪ discloses a method of displaying a directory structure of a recording medium comprising the steps of examining a… | X | |||||||||||||||||||
| 45 | US6601761B1 (Thomas Katis, 2003) | (Original Assignee) Citibank NA (Current Assignee) Citibank NA | Method and system for co-branding an electronic payment platform such as an electronic wallet | ▪ transaction machine, customer profile ≈ financial institution, electronic wallet ▪ marketing content ≈ payment system ▪ touch points ≈ point data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses said card issuing institution is a financial institution such as a bank… ▪ teaches a transaction card applied to payment of postal services see… ▪ teaches a signature determining unit determining validity of said communication information said second history… ▪ discloses a of ways in which bill pay service payments were functioning at the time of… | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | |||||
| 46 | US6658393B1 (Catherine A. Basch, 2003) | (Original Assignee) Visa International Service Association (Current Assignee) Visa International Service Association | Financial risk prediction systems and methods therefor | ▪ marketing content ≈ action information ▪ select transactions ≈ second transaction, first transaction | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches performing a risk management clearinghouse check on a person associated with the payment vehicle col… ▪ teaches aggregating two or more risk quotients and the aggregation of the risk quotients is indicative of a total… ▪ teaches funds allocated to account from parent company and from rewards for performance para… ▪ discloses a method for predicting financial risk is disclosed… | X | X | X | X | X | X | X | X | X | X | X | X | ||||||||
| 47 | US6675196B1 (Jason A. Kronz, 2004) | (Original Assignee) Amazon com Inc (Current Assignee) Amazon Technologies Inc | Universal protocol for enabling a device to discover and utilize the services of another device | ▪ different types ≈ specified one ▪ wherein one ≈ wherein one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches the content distribution system according to claim… ▪ teaches a similar method for querying a database and providing information services to users based on their… ▪ teaches the claimed the document processing apparatus is a copier a fax machine a computer printer a scanner or a… ▪ discloses the cache serves the request if it can or forwards the request to the content server and then serves the… | X | X | ||||||||||||||||||
| 48 | US6308887B1 (Bruce R. Korman, 2001) | (Original Assignee) CASH TECHNOLOGIES Inc (Current Assignee) CASH TECHNOLOGIES Inc | Multi-transactional architecture | ▪ conducting transactions ≈ transaction request ▪ wherein one ≈ wherein one ▪ monetary amount ≈ said sensor ▪ customer profile ≈ said form | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a system and method including verifying software on a gaming machine… ▪ discloses that the electronic output system comprises an embedded sound player for generating the audio signal column… ▪ discloses outputting digital multimedia data to a removable media storage device column… ▪ teaches the remote site tunneling endpoint supports emulation of the provider network see paragraph… | X | X | X | X | X | X | X | |||||||||||||
| 49 | US6349290B1 (Edward Horowitz, 2002) | (Original Assignee) Citibank NA (Current Assignee) Citibank NA | Automated system and method for customized and personalized presentation of products and services of a financial institution | ▪ customer profile ≈ customer profile ▪ conducting transactions ≈ business rules | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ teaches wherein the text generator updates the configurable text string with information based at least in part on… ▪ discloses the method of processing calls mimics a live agent… ▪ teaches a method and a computerreadable medium having stored thereon a computer program that is executable by a… ▪ teaches a system for receiving an inmate service account payment the system comprising a kiosk eg automated teller… | X | X | X | X | X | X | ||||||||||||||
| 50 | EP0961249A2 (Dale Blackson, 1999) | (Original Assignee) Diebold Inc (Current Assignee) Diebold Nixdorf Inc | System configuration where certain transaction devices are run through browser interface to HTTP and other devices are run responsive to messages in ATM legacy system | ▪ transaction machine ≈ transaction machine ▪ select transactions ≈ second transaction, first transaction | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a method of treating browser data as an alphanumeric string column… ▪ teaches some merchants may keep a record of a coupon in order to protect against replay usage ie the same coupon is… ▪ discloses a server that interprets an HTML document containing a URL… ▪ teaches wherein said code objects comprise documents expressed in a terminal mark up language TML that supports… | X | X | X | |||||||||||||||||
| 51 | US6609102B2 (H. Brock Kolls, 2003) | (Original Assignee) USA Technologies Inc (Current Assignee) USA Technologies Inc | Universal interactive advertizing and payment system for public access electronic commerce and business related products and services | ▪ select transactions ≈ transaction processing ▪ customer name ≈ debit card terminal ▪ wireless device ≈ wireless device, remote location ▪ wherein one ≈ wherein one ▪ computer systems ≈ bar code | X | X | X | X | X | X | ||||||||||||||||
| 52 | US6575359B1 (Robert J. Tramontano, 2003) | (Original Assignee) NCR Corp (Current Assignee) NCR Corp | System of automated teller machines | ▪ select transactions, monetary amount ≈ financial institutions ▪ data storage device ≈ following steps | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ discloses providing to the payor for a payee who will not accept a credit card account for bill payment a first payment… ▪ teaches receiving notice that said check instrument was rejected for insufficient funds see paragraph… ▪ discloses sending the PIN to the client terminal in response to the client request… ▪ teaches the transaction cooperation method in a branch of ce system according to claim… | X | X | X | X | ||||||||||||||||
| 53 | US6311165B1 (Michael G. Coutts, 2001) | (Original Assignee) NCR Corp (Current Assignee) NCR Corp | Transaction processing systems | ▪ transaction machine ≈ receipt printer ▪ computer system ≈ driver software ▪ computer systems ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches an automated transaction machine with a transaction service a processor a transaction device and service proxy… ▪ discloses the various uses of proxies as well as application interfaces and distributed systems… ▪ teaches sequential list of programs such that only one reboot of the client device is necessary to accomplish… ▪ teaches reader is connected to a PC on which the stored images are displayed as a security check… | X | X | X | |||||||||||||||||
| 54 | JP2000132614A (Atsushi Otsuki, 2000) | (Original Assignee) Oki Electric Ind Co Ltd; 沖電気工業株式会社 | 自動取引システム | ▪ customer profile ≈ メッセー ▪ data storage device ≈ システム | X | X | X | X | ||||||||||||||||||
| 55 | WO9908215A1 (Sylvia Brasil Coutinho, 1999) | (Original Assignee) Citicorp Development Center, Inc. | A method and system for an electronic banking shop | ▪ computer system ≈ video teleconferencing ▪ conducting transactions ≈ electronic signature ▪ select transactions ≈ second bank | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ teaches automatically exchanging credit information see at least col… ▪ discloses a method of presenting a reason for the rejection of a credit application from an applicant comprising… ▪ discloses that the rejection information is provided to the user of the system which in this case is a local branch… ▪ teaches wherein the predetermined nominal mark positions are arranged relative to a plurality of nominal lines col… | X | X | X | X | X | |||||||||||||||
| 56 | WO9905633A1 (Daniel A. Kern, 1999) | (Original Assignee) Main Street Marketing | Automated credit card payment system | ▪ select transactions, monetary amount ≈ financial institutions ▪ data storage device ≈ following steps ▪ wireless device ≈ said database | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches the bill contains digital information on the bill payer s bank account… ▪ teaches the specified payment includes unpaid invoices associated with the payee… ▪ discloses a method for authorizing authenticating and accounting users having transparent access to a destination… ▪ teaches further comprising the step of sending an electronic message over the network to the sender confirming that… | X | X | X | X | X | X | ||||||||||||||
| 57 | WO9908214A2 (Finn Viggo Amundsen, 1999) | (Original Assignee) Øtr Økonomisk Transaksjons Reklame As | System for displaying information on distributed automated transaction machines | ▪ monetary amount, conducting transactions ≈ transaction devices ▪ computer systems ≈ control system ▪ multi-channel server ≈ such messages ▪ wireless device ≈ very time | X | X | X | X | X | X | ||||||||||||||||
| 58 | US6615189B1 (Gregory Joseph Phillips, 2003) | (Original Assignee) Bank One Delaware NA (Current Assignee) JPMorgan Chase Bank NA | Debit purchasing of stored value card for use by and/or delivery to others | ▪ monetary amount ≈ monetary amount ▪ transaction machine ≈ herein act | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a method of issuing a purchase card the method includes receiving via an ecommerce transaction a request for a… ▪ teaches a stored value card that is active for a predetermined period of time in claims… ▪ discloses the claimed invention except for the step of returning any unused value to the user account… ▪ discloses that the predetermined transaction network and the issuer are the same… | X | X | X | |||||||||||||||||
| 59 | US6129274A (Hikaru Suzuki, 2000) | (Original Assignee) Fujitsu Ltd (Current Assignee) Fujitsu Ltd | System and method for updating shopping transaction history using electronic personal digital shopping assistant | ▪ touch point devices ≈ electrical contacts, based control ▪ monetary amount ≈ particular customer ▪ marketing content ≈ action information ▪ self service coin counter, service coin counter ≈ writer unit ▪ data storage device ≈ said memory | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches that the transaction is blocked when the biometrics do not match as is conventional in the art but… ▪ discloses the contractagreement for the apportionment of reward funds to be stored within the system… ▪ teaches a prepaid tag that can be used as a cash reserve smartcard… ▪ discloses the concept of a system for distributing purchase rewards to multiple accounts… | X | X | X | X | X | X | X | X | X | X | X | X | ||||||||
| 60 | WO9856154A1 (Alexandre P. Kamel, 1998) | (Original Assignee) Broadpoint Communications, Inc. | Communications system for delivering promotional messages | ▪ customer profile ≈ customer profile ▪ select transactions, monetary amount ≈ bank access ▪ data storage device ≈ order r | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ teaches a system which utilizes an XMLbased language and search module… ▪ discloses PRESSURE REGULATING SYSTEMS FOR EXPANDABLE INSERTION DEVICES o… ▪ teaches the system further comprising an automatic call distributor ACD operative to receive customer contacts and to… ▪ discloses a server adapted to provide broadcast information relevant to a locality to a plurality of localities wherein… | X | X | X | X | X | X | X | |||||||||||||
| 61 | GB2328532A (John Martin Flenley, 1999) | (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp | Peripheral controller for an Internet transaction processing system | ▪ one plurality, wherein one ≈ constituent components ▪ self service coin counter ≈ Internet browser ▪ different types, touch point devices ≈ function key ▪ comprise one ≈ comprise one ▪ data storage device ≈ said memory | X | X | X | X | X | X | ||||||||||||||||
| 62 | US6073119A (Sylvia Bornemisza-Wahr, 2000) | (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Credit Services Inc USA | Method and system for banking institution interactive center | ▪ customer name ≈ user-specific information, debit card ▪ conducting transactions ≈ to view | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a biometric reader such that the at least one computer is operative to cause the read biometric data to be… ▪ discloses a system and method for conducting a loan auction over a computer network and teaches a method of allowing a… ▪ discloses an automated teller machine ATM as shown in figures… ▪ teaches that adding the feature helps to show that client many possible proposals each having various information… | X | X | X | |||||||||||||||||
| 63 | WO9824041A1 (Jay Paul Drummond, 1998) | (Original Assignee) Diebold, Incorporated | Automated banking machine apparatus and system | ▪ different types ≈ said application ▪ customer name ≈ said screening | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a system and method including verifying software on a gaming machine… ▪ teaches that adding the feature helps to provide an transaction receipt or other messages to a user of an automated… ▪ teaches a method of treating browser data as an alphanumeric string column… ▪ teaches wherein said code objects comprise documents expressed in a terminal mark up language TML that supports… | X | X | X | X | ||||||||||||||||
| 64 | US6304860B1 (Joseph B. Martin, 2001) | (Original Assignee) Joseph B. Martin, Jr.; D. Allen Hinkle | Automated debt payment system and method using ATM network | ▪ conducting transactions, select transactions ≈ transaction request, electronic credit ▪ wireless device ≈ said database | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches storing encrypted data and selectively decrypting the data… ▪ discloses the account management system maintains the balance calculates charges and fees calculates past due amounts… ▪ teaches wherein the renter is a potential renter see column… ▪ teaches means for consummating the purchase with removable media recorded with encodable currency digital cash or… | X | X | X | X | X | X | ||||||||||||||
| 65 | US6000832A (D. Chase Franklin, 1999) | (Original Assignee) Microsoft Corp (Current Assignee) Microsoft Technology Licensing LLC | Electronic online commerce card with customer generated transaction proxy number for online transactions | ▪ marketing content ≈ electronic commerce ▪ data storage device ≈ following steps ▪ computer systems ≈ software code ▪ service coin counter ≈ loading step | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches system and method for managing data privacy in a database management system that allows the storing of one or… ▪ teaches a distributor merchant may become an affiliate in exchange for selling cash cards to its customers who then… ▪ teaches that to increase assurance of accurate identification a buyer s biometric is compared from a basket of other… ▪ teaches a method of providing an online content portal for sending affiliate content to at least one user of an online… | X | X | X | X | X | X | X | X | X | |||||||||||
| 66 | US6085177A (Deborah K. Semple, 2000) | (Original Assignee) Civic DDI LLC (Current Assignee) Diebold Nixdorf Inc ; Civic DDI LLC | Systems for accessing the internet and geo-defined data and associated methods | ▪ self service coin counter ≈ Internet browser ▪ touch point devices ≈ access command | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a similar system and method for creating advertising campaigns and further discloses the system communicating… ▪ teaches means for consummating the purchase with an identi cation card see atleast… ▪ discloses an automated nancial transaction system comprising a plurality of automated tellers machines ATM each of ATMs… ▪ discloses limiting a campaign to a specific geographic region page… | X | |||||||||||||||||||
| 67 | US5933816A (James Zeanah, 1999) | (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Credit Services Inc USA | System and method for delivering financial services | ▪ transaction machine, customer profile ≈ financial institution, routing information ▪ select transactions ≈ second transaction ▪ locations remote ≈ cellular network ▪ touch point devices ≈ device component ▪ different types ≈ different types | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a system and method including verifying software on a gaming machine… ▪ teaches a method of treating browser data as an alphanumeric string column… ▪ teaches transaction level data comprising an issuer identifier for an issuer of an account a merchant identifier… ▪ teaches wherein the TML supports string integer date and opaque variables… | X | X | X | X | X | X | X | X | ||||||||||||
| 68 | EP0843291A2 (Michael G. Coutts, 1998) | (Original Assignee) NCR International Inc (Current Assignee) NCR International Inc | Improved self-service system | ▪ customer profile ≈ customer profile, user profiles ▪ computer system ≈ computer system ▪ touch point devices ≈ sensing means | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches or a set of at least one user selected preference abstract… ▪ teaches that adding the feature helps to provide a personalized user interface for a segment of customers or an… ▪ discloses a system and method for conducting a loan auction over a computer network and teaches a method of allowing a… ▪ teaches comprising the step of displaying an offer for a product abstract… | X | X | X | X | X | |||||||||||||||
| 69 | US6003019A (Morag M. Eaton, 1999) | (Original Assignee) NCR Corp (Current Assignee) NCR Corp | Multi-transaction service system | ▪ select transactions ≈ transaction processing ▪ wherein one ≈ supply channel | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a biometric reader in the form of a transcriber that converts the customer s audio signal to text for form… ▪ teaches a method of treating browser data as an alphanumeric string column… ▪ discloses connecting a vending machine POS and coupon functions… ▪ discloses a method of servicing an electronic device interconnected over a network that includes storing in the device a… | X | X | X | X | ||||||||||||||||
| 70 | US5761662A (Vasanthan S. Dasan, 1998) | (Original Assignee) Sun Microsystems Inc (Current Assignee) Sun Microsystems Inc | Personalized information retrieval using user-defined profile | ▪ computer system ≈ computer system ▪ data storage device ≈ following steps | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches providing the at least one set of APIs corresponding to the at least one library service comprises providing a… ▪ teaches keyword searching and semantic searching of the data item column… ▪ teaches mining structures but does not expressly teach serving as first class objects in a database… ▪ discloses rendering a web page to a user to enter at least one listing for auctioning by the auction facility the web… | X | X | X | |||||||||||||||||
| 71 | WO9741673A2 (Thomas A. Gerace, 1997) | (Original Assignee) Freedom Of Information, Inc. | Computer network and method for determining user behaviour | ▪ marketing content ≈ displaying advertisement ▪ customer name ≈ graphic information ▪ customer profile ≈ user profiles ▪ conducting transactions ≈ to view | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses identifying a user and his preferences using cookies col… ▪ discloses the sale of advertising packages with pricing dependent on any one of numerous pricing schemes according to… ▪ discloses using the pro le of a user with or without additional user demographics advertisements are displayed to… ▪ discloses shows wherein the causing step comprises causing a voice application to be performed by voice applications… | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | |||||
| 72 | US5861882A (Michael Kent Sprenger, 1999) | (Original Assignee) Motorola Solutions Inc (Current Assignee) General Dynamics C4 Systems Inc | Integrated test and measurement means employing a graphical user interface | ▪ customer name ≈ graphical display ▪ computer systems ≈ other signals ▪ computer system ≈ stored data ▪ select transactions ≈ RF signals | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a method and system for viewing and displaying data from multiple analysis instruments in a single display as… ▪ teaches that the device or parts manufacturer server delivers charge payment information on the measuring instruments… ▪ teaches a desired measuring object to be switchconnected to the measurement instrument and properties of the desired… ▪ teaches connecting all such test elements and the device to be tested via a network see column… | X | X | X | X | X | X | ||||||||||||||
| 73 | US5915246A (David Patterson, 1999) | (Original Assignee) NCR Corp (Current Assignee) NCR Corp | Self-service system | ▪ transaction machine ≈ receipt printer ▪ touch point devices ≈ sensing means | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches or a set of at least one user selected preference abstract… ▪ teaches that adding the feature helps to provide a personalized user interface for a segment of customers or an… ▪ discloses a system and method for conducting a loan auction over a computer network and teaches a method of allowing a… ▪ teaches comprising the step of displaying an offer for a product abstract… | X | |||||||||||||||||||
| 74 | US5937396A (Arpad Konya, 1999) | (Original Assignee) Konya; Arpad (Current Assignee) First Data Corp ; Western Union Co | System for ATM/ATM transfers | ▪ select transactions, monetary amount ≈ financial institutions, second transaction ▪ computer systems ≈ computer systems | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses one or more computer readable media having stored thereon a plurality of instructions that when executed by… ▪ discloses identifying restrictions associated with the payment account comparing the restrictions to an identity of the… ▪ teaches the motivation that search functions are old and well known for the intended purpose of determining is account… ▪ teaches providing a diversity of nancial services to consumersAbstractFig… | X | X | X | X | X | |||||||||||||||
| 75 | US5870721A (Jeffrey A. Norris, 1999) | (Original Assignee) Affinity Tech Group Inc (Current Assignee) Decisioningcom Inc | System and method for real time loan approval | ▪ conducting transactions ≈ electronic signature ▪ wireless device ≈ said database | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses scanning a bill for various image features and comparing them with stored information… ▪ teaches a system and corresponding method for producing and sending a loan document to a customer the system… ▪ discloses an automated teller machine ATM as shown in figures… ▪ discloses a method of presenting a reason for the rejection of a credit application from an applicant comprising… | X | X | X | X | X | X | ||||||||||||||
| 76 | US5930764A (Anthony R. Melchione, 1999) | (Original Assignee) Citibank NA (Current Assignee) Citibank NA | Sales and marketing support system using a customer information database | ▪ transaction machine, customer profile ≈ financial institution, customer profile ▪ monetary amount ≈ particular customer ▪ wireless device ≈ said database | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a customer service system having a point value and discount rate US… ▪ teaches wherein each of the listings comprises a data record set describing property listing information organized… ▪ discloses the sale of advertising packages with pricing dependent on any one of numerous pricing schemes according to… ▪ discloses a central database that indicates whether customer has been solicited by bank cards a couple of times or for… | X | X | X | X | X | X | X | X | X | |||||||||||
| 77 | US5933811A (Paul D. Angles, 1999) | (Original Assignee) Paul D. Angles (Current Assignee) Hemisphere Solutions N A LLC | System and method for delivering customized advertisements within interactive communication systems | ▪ customer name ≈ graphic information ▪ wireless device ≈ said database | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a networkbased system and method for ordering and cumulative results reporting of medical test at a hospital… ▪ discloses the client device establishing a communication link via a public switched telephone network col… ▪ discloses a similar system for inserting advertisements into requested content… ▪ discloses sharing revenues between involved parties and that a purpose of advertising is inciting purchasing col… | X | X | X | X | X | X | ||||||||||||||
| 78 | US5889863A (Jay C. Weber, 1999) | (Original Assignee) Verifone Inc (Current Assignee) Hewlett Packard Enterprise Development LP | System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture | ▪ marketing content ≈ electronic commerce ▪ one plurality ≈ data element ▪ wherein one ≈ wherein one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a payment service provider which contracts with its client to facilitate payments and prepayments on account… ▪ discloses a basic authorization request which is a data area that includes all the information for determining whether a… ▪ describes how to generate a receipt from the source code listing for the transaction request processing see POS… ▪ discloses SYSTEM FOR EFFECTING THE PAYMENT OF PAPER AND ELECTRONIC FINANCIAL INSTRUMENTS RECEIVED AT A PAYMENT FACILITY… | X | X | X | X | X | X | X | X | X | |||||||||||
| 79 | US5987434A (Richard Marc Libman, 1999) | (Original Assignee) Libman; Richard Marc (Current Assignee) RPX Corp | Apparatus and method for transacting marketing and sales of financial products | ▪ wireless device ≈ remote location ▪ computer systems ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches method and apparatus that processes financial data relating to wealth accumulation plans… ▪ teaches method of evaluating a permanent life insurance policy… ▪ teaches an automated interactive and proactive system for customized and personalized presentation of products of a… ▪ discloses the limitations as shown in the rejections of claims… | X | X | X | |||||||||||||||||
| 80 | JPH09231443A (Kazumi Nonoyama, 1997) | (Original Assignee) Hitachi Chubu Software Ltd; Hitachi Ltd; 日立中部ソフトウェア株式会社; 株式会社日立製作所 | 現金自動取引装置におけるメッセージ表示制御方法 | ▪ customer profile ≈ メッセー ▪ wireless device ≈ データ ▪ data storage device ≈ 表示部 | X | X | X | X | X | X | ||||||||||||||||
| 81 | US5742845A (Richard Hiers Wagner, 1998) | (Original Assignee) Datascape Inc (Current Assignee) WiLAN Technologies Inc | System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network | ▪ different types ≈ said application ▪ transaction machine ≈ data operation ▪ wireless device ≈ said database ▪ customer profile ≈ said form ▪ computer systems ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses that in some ATM systems the ATMs are coupled to the central processing system through dedicated telephone or… ▪ teaches the use of a signature pad as an externally connected device in operation with a point of sale device… ▪ teaches d comparing data representative of user input and the user data accessed in c for correspondence see column… ▪ discloses transaction function devices and HTML documents with print instructions included therein for printing… | X | X | X | X | X | X | ||||||||||||||
| 82 | US5870724A (Matthew P. Lawlor, 1999) | (Original Assignee) Online Resources and Communications Corp (Current Assignee) OFFICIAL PAYMENTS Corp | Targeting advertising in a home retail banking delivery service | ▪ conducting transactions ≈ financial transactions ▪ customer name ≈ graphic information ▪ data storage device ≈ following steps ▪ wireless device ≈ said database | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses targeting advertising in a home retail banking delivery service… ▪ teaches these as magnetic stripe card reader encodes the magnetic strip and sensor pad see atleast… ▪ discloses a system method and computer program product for optimization and acceleration of data transport and… ▪ teaches gaining access to a direct deposit account of the particular customer and extracting the funds from the direct… | X | X | X | X | X | X | ||||||||||||||
| 83 | US5687322A (David W. Deaton, 1997) | (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories | ▪ computer system ≈ stored data ▪ data storage device ≈ said memory ▪ computer systems ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses mailing purchase incentives to targeted customers as opposed to providing the purchase incentives to the… ▪ discloses customers purchasing patterns over a period of time paragraph… ▪ discloses electronically sending the personalized saving sheet to the consumer prior to the consumer entering the retail… ▪ teaches a method for distribution of customer incentives A second database is then generated which lists customers… | X | X | X | |||||||||||||||||
| 84 | US5546523A (James G. Gatto, 1996) | (Original Assignee) Gatto; James G. (Current Assignee) Millennium Commerce LLC | Electronic fund transfer system | ▪ marketing content ≈ action information ▪ computer systems ≈ control system | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches the use of personal information for identi cation and authentication purposes col… ▪ discloses an automated teller machine ATM as shown in figures… ▪ discloses a system and method for conducting a loan auction over a computer network and teaches a method of allowing a… ▪ describes one embodiment of the database and central controllers terminal connection with or without modem see col… | X | X | X | X | X | X | X | X | X | |||||||||||
| 85 | US5677955A (John Doggett, 1997) | (Original Assignee) Telcordia Technologies Inc; Financial Services Technology Consortium; First National Bank of Boston (Current Assignee) Telcordia Technologies Inc ; Financial Services Technology Consortium ; FleetBoston Financial Corp | Electronic funds transfer instruments | ▪ multi-channel server ≈ digital certificates ▪ conducting transactions ≈ electronic signature ▪ monetary amount ≈ electronic bank | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches wherein the service provider is a potential service provider see column… ▪ discloses a method for electronic merchandise dispute resolution… ▪ teaches a transaction card applied to payment of postal services see… ▪ teaches a signature determining unit determining validity of said communication information said second history… | X | X | X | X | X | X | ||||||||||||||
| 86 | US5787403A (William M. Randle, 1998) | (Original Assignee) Huntington Bancshares Inc (Current Assignee) DataTreasury Corp | Bank-centric service platform, network and system | ▪ marketing content ≈ action information ▪ wireless device ≈ remote location ▪ comprise one ≈ comprise one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses the use of third party data in promoting andor evaluating a potential transaction… ▪ teaches a method for automatically preparing a customized reply to each response comunication from a plurality of… ▪ teaches a banking services platform that enables a nancial services institution to provide new services as access to… ▪ teaches a method wherein at least one of the one or more classes of shares comprises conventional shares see at least… | X | X | X | X | X | X | X | X | X | X | X | X | ||||||||
| 87 | US5537314A (Mark W. Kanter, 1996) | (Original Assignee) First Marketrust Intl (Current Assignee) First Marketrust Intl | Referral recognition system for an incentive award program | ▪ locations remote ≈ predetermined location ▪ select transactions ≈ same storage | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a casino incentive reward program for providing reward points to a player utilizing casino game machines via a… ▪ discloses a method and system for allocating and redeeming incentive credits between a portable device and a base device… ▪ describes mobile incentives mainly in terms of the use of mobile incentives associated with an offer that can be… ▪ teaches the concept of offering a prepaid gift card to the consumer at a price lower than the value of the card… | X | X | X | X | X | |||||||||||||||
| 88 | US5482139A (Michael A. Rivalto, 1996) | (Original Assignee) M A Rivalto Inc (Current Assignee) M A Rivalto Inc | Automated drive-up vending facility | ▪ customer name ≈ purchase information ▪ marketing content ≈ product promotion ▪ customer profile ≈ customer profile | ▪ 35 U.S.C. 103(a) | ▪ teaches wherein the digital content is distributed to the attendee by using a kiosk vending machines… ▪ discloses a system for the distribution of one or more items of digital content at a location where an event is being… ▪ teaches a structural facility that is operated by receiving goods within said facility see column… | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | |||||
| 89 | JPH07234958A (Richard Nathan Ellson, 1995) | (Original Assignee) Eastman Kodak Co; イーストマン コダック カンパニー | 自動窓口機での顧客識別方法及び装置 | ▪ customer profile, customer name ≈ データベース ▪ digital signage ≈ スシステム | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches wherein the optical indicia reader operates in a continuous mode when decoding information bearing indicia the… ▪ discloses a payment apparatus for use in authorised transactions having the limitations of o wherein said data… ▪ discloses A sensor for providing a third signal to the network wherein one of the event based trigger points comprises… ▪ discloses at a device including one or more processors and memory storing one or more programs for execution by the one… | X | X | X | X | X | X | X | X | X | |||||||||||
| 90 | US5465206A (James J. Hilt, 1995) | (Original Assignee) Visa International Service Association (Current Assignee) Visa International Service Association | Electronic bill pay system | ▪ select transactions, monetary amount ≈ financial institutions ▪ customer name, computer system ≈ currency conversion, automatic response ▪ one plurality ≈ data element | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches wherein the rental agreement provides for the renter refreshing the line of credit see column… ▪ teaches means for consummating the purchase with removable media recorded with encodable currency digital cash or… ▪ teaches billing the subscriber for the secure cost effective… ▪ discloses an electronic bill payment system that allows users to pay requisite amounts to merchants… | X | X | X | X | X | |||||||||||||||
| 91 | US5473143A (Hugo Vak, 1995) | (Original Assignee) ATM Communications International Inc (Current Assignee) S Aqua Semiconductor LLC | ATM/POS based electronic mail system | ▪ customer profile, transaction machine ≈ optical character recognition system, financial institution ▪ wherein one ≈ wherein one ▪ computer systems ≈ bar code ▪ multi-channel server ≈ d log | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 103(b) ▪ 35 U.S.C. 102(b) | ▪ teaches that electrical devices require a power source and power management for the proper functioning but that… ▪ teaches a computer in a kiosk having both hard disk and RAM see column… ▪ discloses a biometric reader in the form of a transcriber that converts the customer s audio signal to text for form… ▪ discloses that the document issued is an insurance document figs… | X | X | X | X | X | X | X | X | X | |||||||||||
| 92 | US5819226A (Krishna M. Gopinathan, 1998) | (Original Assignee) HNC Software Inc (Current Assignee) Fair Isaac Corp | Fraud detection using predictive modeling | ▪ select transactions ≈ transaction processing, program memory ▪ computer system ≈ adjusting operation, computer system ▪ one plurality ≈ data element | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a model development component that uses past data to build a neural network containing information… ▪ teaches funds allocated to account from parent company and from rewards for performance para… ▪ teaches processing by the computer the data representing at least one current customer account transaction with the… ▪ teaches a fraud detection system comprising a transaction monitor for monitoring a transaction at a transaction device… | X | X | X | X | X | |||||||||||||||
| 93 | US5265033A (Hugo Vajk, 1993) | (Original Assignee) ATM Communications International Inc (Current Assignee) S Aqua Semiconductor LLC | ATM/POS based electronic mail system | ▪ transaction machine, customer profile ≈ financial institution ▪ wherein one ≈ wherein one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 103(b) ▪ 35 U.S.C. 102(b) | ▪ teaches that electrical devices require a power source and power management for the proper functioning but that… ▪ teaches a computer in a kiosk having both hard disk and RAM see column… ▪ discloses a biometric reader in the form of a transcriber that converts the customer s audio signal to text for form… ▪ discloses that the document issued is an insurance document figs… | X | X | X | X | X | X | X | |||||||||||||
| 94 | US5416903A (Jerry W. Malcolm, 1995) | (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp | System and method for supporting multilingual translations of a windowed user interface | ▪ different types ≈ said application ▪ transaction machine ≈ change log ▪ customer profile ≈ said form | X | X | X | X | ||||||||||||||||||
| 95 | US5911135A (Charles Agee Atkins, 1999) | (Original Assignee) Financial Products Inc Pty (Current Assignee) HOME ACCOUNT NETWORK Inc | System for managing financial accounts by a priority allocation of funds among accounts | ▪ computer system ≈ computer system ▪ wherein one ≈ wherein one | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses the selected amounts are forecast amounts projected future value of the asset column… ▪ teaches said unitary reports including information relating to the maturity of at least one component of the portfolio… ▪ discloses a system having means and logic whereby a customer may use one of a plurality of devices including a personal… ▪ discloses a personal nancial management system for the creation of a client portfolio of investment… | X | X | X | |||||||||||||||||
| 96 | US5220501A (Matthew P. Lawlor, 1993) | (Original Assignee) Online Resources Ltd (Current Assignee) OFFICIAL PAYMENTS Corp ; ONLINE RESOURCES & COMMUNICATIONS Inc | Method and system for remote delivery of retail banking services | ▪ conducting transactions ≈ financial transactions ▪ transaction machine, customer profile ≈ financial institution ▪ one plurality ≈ telephone lines ▪ data storage device ≈ following steps, said memory ▪ wireless device ≈ said database ▪ self service coin counter ≈ random number ▪ computer system ≈ stored data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches these as magnetic stripe card reader encodes the magnetic strip and sensor pad see atleast… ▪ discloses targeting advertising in a home retail banking delivery service… ▪ discloses a system method and computer program product for optimization and acceleration of data transport and… ▪ teaches gaining access to a direct deposit account of the particular customer and extracting the funds from the direct… | X | X | X | X | X | X | X | X | X | |||||||||||
| 97 | US4815741A (Maynard E. Small, 1989) | (Original Assignee) Small Maynard E | Automated marketing and gaming systems | ▪ conducting transactions ≈ conducting transactions, financial transactions ▪ transaction machine, customer profile ≈ financial institution ▪ self service coin counter ≈ random number | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses providing a sweepstakes to a user of a point of sales terminal where the user may win a prize if the… ▪ discloses the random selection of a prize each time a winning correlation is formed… ▪ discloses all of the subject mater with respect to the claims as disclosed above but lacks in specifically disclosing… ▪ teaches that it is old and well known in the promotion art to automatically be entered into a random drawing… | X | X | X | X | X | X | X | |||||||||||||
| 98 | US4660168A (Elwyn E. Grant, 1987) | (Original Assignee) Grant Elwyn E; Lafevers James O; Tribble Richard P (Current Assignee) Diebold Nixdorf Inc ; Bankers Trust Co | Apparatus for completing a customer initiated ATM transaction | ▪ select transactions ≈ random access memory ▪ different types ≈ said application ▪ data storage device ≈ said memory | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches an automated transaction machine with a transaction service a processor a transaction device and service proxy… ▪ teaches formatting the credit offer inquiry in extensible markup language… ▪ discloses the various uses of proxies as well as application interfaces and distributed systems… ▪ teaches reader is connected to a PC on which the stored images are displayed as a security check… | X | X | X | X | X | |||||||||||||||
| 99 | AU2005200733A1 (Stephen Rees, 2005) | (Original Assignee) Integral Dev Corp (Current Assignee) INTEGRAL DEVELOPMENT Corp | System and method for conducting web-based financial transactions in capital markets | ▪ marketing content ≈ profile information ▪ data storage device ≈ following steps | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses the claimed invention except for graphical user interface layout… ▪ discloses that software may also treat the high estimate low estimate consensus estimate enhanced composite estimates… ▪ teaches wherein the risk results include automated underwriting results adverse selection query results and high risk… ▪ teaches servicing of loan portfolios and loan servicing portfolios… | X | X | X | X | X | X | X | X | X | |||||||||||
| 100 | AU2005213425A1 (Robert D. Arnott, 2005) | (Original Assignee) Research Affiliates LLC (Current Assignee) Research Affiliates LLC | Separate trading of registered interest and principal of securities system, method and computer program product | ▪ computer systems ≈ computer readable media ▪ computer system ≈ computer system | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches determining a combination of one or more asset classes and proportions thereof that characterize future… ▪ discloses that software may also treat the high estimate low estimate consensus estimate enhanced composite estimates… ▪ discloses the claimed invention except for graphical user interface layout… ▪ teaches enhancing knowledge discovery using multiple support vector machines with kernels abstract… | X | X | X | |||||||||||||||||
| 101 | AU2004243930A1 (Bengt Jansson, 2004) | (Original Assignee) OM Tech AB (Current Assignee) OM Tech AB | A method of determining a capital-at-risk for a clearing house | ▪ conducting transactions, select transactions ≈ particular account, when m ▪ computer system ≈ computer system | X | X | X | X | X | |||||||||||||||||
| 102 | AU2004235043A1 (Jeffrey P. Leventhal, 2004) | (Original Assignee) Jeffrey P. Leventhal | System and method for managing accounts payable and accounts receivable | ▪ computer system ≈ computer system ▪ customer name ≈ more service | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a disbursement system that allows parties to enter into a contract follow the progress of the project and… ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ discloses a payment system coupled on a communication network see… ▪ teaches storing shipping information and displaying the shipping information on the updateable electronic display… | X | X | X | X | X | |||||||||||||||
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | IEEE TRANSACTIONS ON CONSUMER ELECTRONICS. 40 (4): 879-889 NOV 1994 Publication Year: 1994 DEVELOPMENT OF A DISTRIBUTIVE LIGHTING CONTROL-SYSTEM USING LOCAL OPERATING NETWORK Motorola Semiconductors H.K. Limited, City Polytechnic of Hong Kong Tsang, Wang |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (active feature) of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
DEVELOPMENT OF A DISTRIBUTIVE LIGHTING CONTROL-SYSTEM USING LOCAL OPERATING NETWORK . The Local Operating Network is a technology that allows intelligent devices (or nodes) such as actuators and sensors , to communicate with one another through an assortment of communication media using a standard protocol . Both distributed and peer-to-peer communications are supported between the nodes in the network and a central control system or a file server is not required . In addition , the relatively high data rate and the availability of routers permit large amount of nodes to be tapped onto a network domain while at the same time maintain high communication efficiency . Consequently , it is suitable for developing low-cost consumers and professional communication products that can be widely applied in automating buildings , factories , vehicles , home and domestic , appliances . In this paper we have reported on the development of a distributive control lighting system using the LON technology . The nodes in the system (i . e . lamps , switches and the central control units) are tapped onto the network bus and are linked by logical bindings instead of complicated hardwire connections . The system we have designed is economical to build , easy to service , modify , and provides reliable communication between the lamps and the switches . These attractive feature (different types) s demonstrate the feasibility of using LON in building distributive control networks , as well as the potential of our lighting system in practical applications . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (control system) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
DEVELOPMENT OF A DISTRIBUTIVE LIGHTING CONTROL-SYSTEM USING LOCAL OPERATING NETWORK . The Local Operating Network is a technology that allows intelligent devices (or nodes) such as actuators and sensors , to communicate with one another through an assortment of communication media using a standard protocol . Both distributed and peer-to-peer communications are supported between the nodes in the network and a central control system (computer systems) or a file server is not required . In addition , the relatively high data rate and the availability of routers permit large amount of nodes to be tapped onto a network domain while at the same time maintain high communication efficiency . Consequently , it is suitable for developing low-cost consumers and professional communication products that can be widely applied in automating buildings , factories , vehicles , home and domestic , appliances . In this paper we have reported on the development of a distributive control lighting system using the LON technology . The nodes in the system (i . e . lamps , switches and the central control units) are tapped onto the network bus and are linked by logical bindings instead of complicated hardwire connections . The system we have designed is economical to build , easy to service , modify , and provides reliable communication between the lamps and the switches . These attractive features demonstrate the feasibility of using LON in building distributive control networks , as well as the potential of our lighting system in practical applications . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (control system) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
DEVELOPMENT OF A DISTRIBUTIVE LIGHTING CONTROL-SYSTEM USING LOCAL OPERATING NETWORK . The Local Operating Network is a technology that allows intelligent devices (or nodes) such as actuators and sensors , to communicate with one another through an assortment of communication media using a standard protocol . Both distributed and peer-to-peer communications are supported between the nodes in the network and a central control system (computer systems) or a file server is not required . In addition , the relatively high data rate and the availability of routers permit large amount of nodes to be tapped onto a network domain while at the same time maintain high communication efficiency . Consequently , it is suitable for developing low-cost consumers and professional communication products that can be widely applied in automating buildings , factories , vehicles , home and domestic , appliances . In this paper we have reported on the development of a distributive control lighting system using the LON technology . The nodes in the system (i . e . lamps , switches and the central control units) are tapped onto the network bus and are linked by logical bindings instead of complicated hardwire connections . The system we have designed is economical to build , easy to service , modify , and provides reliable communication between the lamps and the switches . These attractive features demonstrate the feasibility of using LON in building distributive control networks , as well as the potential of our lighting system in practical applications . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20040010597A1 Filed: 2002-09-26 Issued: 2004-01-15 System and method for providing enhanced services in a multi-channel interactive distributed environment (Original Assignee) Electronic Data Systems LLC (Current Assignee) HP Enterprise Services LLC Hope Kirschner, Kevin Gregoire |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (profile information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (profile information) is classified as being one or more of current or approved content . |
US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (profile information) during said active session . |
US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (profile information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (profile information) is classified as being one or more of current or approved content . |
US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (profile information) during said active session . |
US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (profile information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040010597A1 CLAIM 2 . The system of claim 1 , wherein one (wherein one) of the channel devices accesses the server via a specific website . US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (profile information) is classified as being one or more of current or approved content . |
US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (profile information) is transmitted during said active session . |
US20040010597A1 CLAIM 14 . A method for providing enhanced services in a multi-channel interactive distributed environment , comprising : entering personal profile information (marketing content) at a website ; storing personal profile information in a central file ; and receiving personalized information when using a channel device based on the personal profile information . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20020138432A1 Filed: 2001-11-09 Issued: 2002-09-26 System and method for reporting customer visits to a bank or the like (Original Assignee) Asahi Bank Ltd (Current Assignee) Resona Holdings Inc Katsuhiko Makino, Akihiko Sugawara |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (second terminals) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20020138432A1 CLAIM 20 . The bank network of claim 19 , further comprising a second terminal for receiving the report from the branch system when the customer conducts a transaction at the ATM , wherein the second terminals (computer system) is a stationary terminal located within the branch . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (specific information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (current transaction) . |
US20020138432A1 CLAIM 1 . A method for reporting on a customer at the branch of a commercial establishment , the establishment having a central system and a branch system , the central system maintaining customer service information pertaining to services offered by the establishment and associated with the customer , and the branch system having a self-service terminal for the customer to conduct transactions at the branch , the method comprising : transferring customer service information from the central system to the branch system ; generating customer-specific information (customer name) at the self-service terminal when a customer initiates a transaction at the self-service terminal , said customer-specific information identifying the customer ; and transmitting a report on the customer from the branch system in response to the generation of customer-specific information at the self-service terminal , the report identifying the customer and the customer-service information . US20020138432A1 CLAIM 5 . The method of claim 4 , wherein the customer service information is updated at the branch system and provided to the central system after the employee provides personal attention to the customer , the updated customer service information reflecting the reaction of the customer to the customer service information and the status of any current transaction (select transactions) by the customer at the self-service terminal . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (second terminals) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20020138432A1 CLAIM 20 . The bank network of claim 19 , further comprising a second terminal for receiving the report from the branch system when the customer conducts a transaction at the ATM , wherein the second terminals (computer system) is a stationary terminal located within the branch . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (specific information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (current transaction) . |
US20020138432A1 CLAIM 1 . A method for reporting on a customer at the branch of a commercial establishment , the establishment having a central system and a branch system , the central system maintaining customer service information pertaining to services offered by the establishment and associated with the customer , and the branch system having a self-service terminal for the customer to conduct transactions at the branch , the method comprising : transferring customer service information from the central system to the branch system ; generating customer-specific information (customer name) at the self-service terminal when a customer initiates a transaction at the self-service terminal , said customer-specific information identifying the customer ; and transmitting a report on the customer from the branch system in response to the generation of customer-specific information at the self-service terminal , the report identifying the customer and the customer-service information . US20020138432A1 CLAIM 5 . The method of claim 4 , wherein the customer service information is updated at the branch system and provided to the central system after the employee provides personal attention to the customer , the updated customer service information reflecting the reaction of the customer to the customer service information and the status of any current transaction (select transactions) by the customer at the self-service terminal . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (specific information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (current transaction) . |
US20020138432A1 CLAIM 1 . A method for reporting on a customer at the branch of a commercial establishment , the establishment having a central system and a branch system , the central system maintaining customer service information pertaining to services offered by the establishment and associated with the customer , and the branch system having a self-service terminal for the customer to conduct transactions at the branch , the method comprising : transferring customer service information from the central system to the branch system ; generating customer-specific information (customer name) at the self-service terminal when a customer initiates a transaction at the self-service terminal , said customer-specific information identifying the customer ; and transmitting a report on the customer from the branch system in response to the generation of customer-specific information at the self-service terminal , the report identifying the customer and the customer-service information . US20020138432A1 CLAIM 5 . The method of claim 4 , wherein the customer service information is updated at the branch system and provided to the central system after the employee provides personal attention to the customer , the updated customer service information reflecting the reaction of the customer to the customer service information and the status of any current transaction (select transactions) by the customer at the self-service terminal . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20030040959A1 Filed: 2001-08-10 Issued: 2003-02-27 Method and apparatus for conducting transactions on an automated teller machine (Original Assignee) Bank of America Corp (Current Assignee) Bank of America Corp Calvin Fei, Francis Jacobs, J. Mark Stockton |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request) , and a monetary amount to be the subject of select transactions . |
US20030040959A1 CLAIM 19 . The method of claim 1 , further comprising : processing a transaction request (conducting transactions) during said step of displaying said one or more show elements . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request) , and a monetary amount to be the subject of select transactions . |
US20030040959A1 CLAIM 19 . The method of claim 1 , further comprising : processing a transaction request (conducting transactions) during said step of displaying said one or more show elements . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (said memory) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030040959A1 CLAIM 3 . The method of claim 2 , wherein one (wherein one) of said traits is possession of an access card containing a predetermined string of alphanumeric characters . US20030040959A1 CLAIM 34 . An apparatus for presenting a show on an automated teller machine (ATM) , comprising a memory area containing a plurality of show elements ; a processor that monitors activity on said ATM ; wherein said processor , in response to activation of said ATM by a user associated with a market category , retrieves one or more of said plurality of show elements from said memory (data storage device) area , and presents said show elements to said user . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request) , and a monetary amount to be the subject of select transactions . |
US20030040959A1 CLAIM 19 . The method of claim 1 , further comprising : processing a transaction request (conducting transactions) during said step of displaying said one or more show elements . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050240522A1 Filed: 2005-06-13 Issued: 2005-10-27 System and method for conducting secure payment transaction (Original Assignee) Mastercard International Inc (Current Assignee) Mastercard International Inc Arthur Kranzley, Stephen Orfet, Bruce Rutherford |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote (work location) from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050240522A1 CLAIM 2 . A method according to claim 1 , further comprising : sending the payment account identification data from the user processor to the merchant processor ; sending an account holder participation request message from the merchant processor to a registration database processor , the registration database processor having access to a registration database , the account holder participation request message comprising at least one of the payment account identification data and data derived from the payment account identification data ; processing the account holder participation request message by the registration database processor to determine whether the payment account is listed in the registration database ; and if the payment account is listed in the registration database , performing a second set of steps , the second set of steps comprising the following steps : sending an account holder participation response message from the registration database processor to the merchant processor , the account holder participation response message comprising first resource locator data , the first resource locator data indicating a network location (locations remote) of credential collection data , the credential collection data being accessible through a network , sending second resource locator data from the merchant processor to the user processor , the second resource locator data comprising at least one of the first resource locator data and data derived from the first resource locator data , and using the second resource locator data by the user processor to access the credential collection data through the network , wherein the user processor uses the credential collection data to send the authentication request message to the authentication processor in the step of sending the authentication request message . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote (work location) from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050240522A1 CLAIM 2 . A method according to claim 1 , further comprising : sending the payment account identification data from the user processor to the merchant processor ; sending an account holder participation request message from the merchant processor to a registration database processor , the registration database processor having access to a registration database , the account holder participation request message comprising at least one of the payment account identification data and data derived from the payment account identification data ; processing the account holder participation request message by the registration database processor to determine whether the payment account is listed in the registration database ; and if the payment account is listed in the registration database , performing a second set of steps , the second set of steps comprising the following steps : sending an account holder participation response message from the registration database processor to the merchant processor , the account holder participation response message comprising first resource locator data , the first resource locator data indicating a network location (locations remote) of credential collection data , the credential collection data being accessible through a network , sending second resource locator data from the merchant processor to the user processor , the second resource locator data comprising at least one of the first resource locator data and data derived from the first resource locator data , and using the second resource locator data by the user processor to access the credential collection data through the network , wherein the user processor uses the credential collection data to send the authentication request message to the authentication processor in the step of sending the authentication request message . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (following steps) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050240522A1 CLAIM 1 . A method for conducting a payment transaction using payment account identification data associated with a payment account , the method comprising : a . sending an authentication request message from a user processor to an authentication processor , the authentication request message comprising at least one of a user name , a password , transaction data , and the payment account identification data ; b . authenticating the authentication request message by the authentication processor ; and c . if the authenticating step is successful , performing a first set of steps , the first set of steps comprising the following steps (data storage device) : i . sending an authentication response message from the authentication processor to the user processor , the authentication response message comprising authentication data , ii . sending from the user processor to a merchant processor at least one of the authentication response message and data derived from the authentication response message , and iii . sending a first authorization request message from the merchant processor to at least one of an acquirer processor and a payment organization processor , the first authorization request message comprising at least one of the authentication data and first data derived from the authentication data . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050216421A1 Filed: 2005-04-28 Issued: 2005-09-29 Integrated business systems for web based telecommunications management (Original Assignee) Verizon Business Global LLC (Current Assignee) Verizon Patent and Licensing Inc B. Barry, Mark Chodoronek, Eric DeRose, Carol Devine, Mark Gonzales, Angela James, Lynne Levy, Michael Tusa |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (communications connections) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (secure server) . |
US20050216421A1 CLAIM 61 . The integrated and secure method for conducting business over the public Internet by enabling a customer of an enterprise communications network to command and control the customer' ; s switched communications connections (customer name) within the network over the public Internet and to monitor the results in near real time over the public Internet , said system comprising : (a) enabling interactive communications between said system and said customer over the public Internet with an object oriented protocol invoked from within said customer' ; s web browser , said protocol supporting customer identification , authentication and a determination of network entitlements for the customer ; (b) managing a plurality of customer sessions over the public Internet with a secure web server , said secure web server providing session encryption and management of the customer' ; s session , said session management including the steps of identifying , validating , and determining the customer' ; s entitlements within the network ; (c) communicating with a plurality of system resources through dispatch server , said dispatch server communicating with said secure web server and providing verification of system access and proxy generation for said interactive communications after said customer' ; s entitlements have been verified ; (d) managing a plurality of enterprise system resources for the customer , said resources including a toll free network manager which manages the routing of the customer' ; s toll free voice traffic over the communications network , and a real time monitor which provides near real time monitoring of network traffic ; (e) converting a customer request to modify a routing plan to a proxy request for said toll free network manager and providing near real time monitoring of the customer' ; s voice traffic to enable the customer to manage the communications network resources provided by the enterprise to the customer in near real time . US20050216421A1 CLAIM 66 . The integrated and secure method for conducting business over the public Internet which enables a customer of an enterprise communications network to modify the customer' ; s business relationship with the enterprise over the public Internet and to add , delete and modify services provided by the enterprise communications network to the customer , said method comprising : (a) enabling encrypted interactive communications between said system and said customer over the public Internet with an object oriented protocol , said protocol invoked within said customers web browser to support encryption , customer identification , authentication and network entitlements ; (b) managing secure customer sessions over the public Internet with at least one secure web server , said secure server (select transactions) providing session management tar the customer connection , said session management including customer identification , validation , entitlements and encryption ; (c) communicating with said secure web server and a plurality of system resources with at least one dispatch server , said dispatch server providing verification of system access and proxy generation for said interactive communications after said customer' ; s entitlements have been verified ; and (d) providing a plurality of system resources for the customer , said plurality including an order entry application which enables the customer to add , delete and modify services provided by the communications network to the customer , and to identify and authenticate a plurality of users with distinct call entitlements , and to modify said entitlements from a single point of customer identification and authentication . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (communications connections) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (secure server) . |
US20050216421A1 CLAIM 61 . The integrated and secure method for conducting business over the public Internet by enabling a customer of an enterprise communications network to command and control the customer' ; s switched communications connections (customer name) within the network over the public Internet and to monitor the results in near real time over the public Internet , said system comprising : (a) enabling interactive communications between said system and said customer over the public Internet with an object oriented protocol invoked from within said customer' ; s web browser , said protocol supporting customer identification , authentication and a determination of network entitlements for the customer ; (b) managing a plurality of customer sessions over the public Internet with a secure web server , said secure web server providing session encryption and management of the customer' ; s session , said session management including the steps of identifying , validating , and determining the customer' ; s entitlements within the network ; (c) communicating with a plurality of system resources through dispatch server , said dispatch server communicating with said secure web server and providing verification of system access and proxy generation for said interactive communications after said customer' ; s entitlements have been verified ; (d) managing a plurality of enterprise system resources for the customer , said resources including a toll free network manager which manages the routing of the customer' ; s toll free voice traffic over the communications network , and a real time monitor which provides near real time monitoring of network traffic ; (e) converting a customer request to modify a routing plan to a proxy request for said toll free network manager and providing near real time monitoring of the customer' ; s voice traffic to enable the customer to manage the communications network resources provided by the enterprise to the customer in near real time . US20050216421A1 CLAIM 66 . The integrated and secure method for conducting business over the public Internet which enables a customer of an enterprise communications network to modify the customer' ; s business relationship with the enterprise over the public Internet and to add , delete and modify services provided by the enterprise communications network to the customer , said method comprising : (a) enabling encrypted interactive communications between said system and said customer over the public Internet with an object oriented protocol , said protocol invoked within said customers web browser to support encryption , customer identification , authentication and network entitlements ; (b) managing secure customer sessions over the public Internet with at least one secure web server , said secure server (select transactions) providing session management tar the customer connection , said session management including customer identification , validation , entitlements and encryption ; (c) communicating with said secure web server and a plurality of system resources with at least one dispatch server , said dispatch server providing verification of system access and proxy generation for said interactive communications after said customer' ; s entitlements have been verified ; and (d) providing a plurality of system resources for the customer , said plurality including an order entry application which enables the customer to add , delete and modify services provided by the communications network to the customer , and to identify and authenticate a plurality of users with distinct call entitlements , and to modify said entitlements from a single point of customer identification and authentication . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (communications connections) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (secure server) . |
US20050216421A1 CLAIM 61 . The integrated and secure method for conducting business over the public Internet by enabling a customer of an enterprise communications network to command and control the customer' ; s switched communications connections (customer name) within the network over the public Internet and to monitor the results in near real time over the public Internet , said system comprising : (a) enabling interactive communications between said system and said customer over the public Internet with an object oriented protocol invoked from within said customer' ; s web browser , said protocol supporting customer identification , authentication and a determination of network entitlements for the customer ; (b) managing a plurality of customer sessions over the public Internet with a secure web server , said secure web server providing session encryption and management of the customer' ; s session , said session management including the steps of identifying , validating , and determining the customer' ; s entitlements within the network ; (c) communicating with a plurality of system resources through dispatch server , said dispatch server communicating with said secure web server and providing verification of system access and proxy generation for said interactive communications after said customer' ; s entitlements have been verified ; (d) managing a plurality of enterprise system resources for the customer , said resources including a toll free network manager which manages the routing of the customer' ; s toll free voice traffic over the communications network , and a real time monitor which provides near real time monitoring of network traffic ; (e) converting a customer request to modify a routing plan to a proxy request for said toll free network manager and providing near real time monitoring of the customer' ; s voice traffic to enable the customer to manage the communications network resources provided by the enterprise to the customer in near real time . US20050216421A1 CLAIM 66 . The integrated and secure method for conducting business over the public Internet which enables a customer of an enterprise communications network to modify the customer' ; s business relationship with the enterprise over the public Internet and to add , delete and modify services provided by the enterprise communications network to the customer , said method comprising : (a) enabling encrypted interactive communications between said system and said customer over the public Internet with an object oriented protocol , said protocol invoked within said customers web browser to support encryption , customer identification , authentication and network entitlements ; (b) managing secure customer sessions over the public Internet with at least one secure web server , said secure server (select transactions) providing session management tar the customer connection , said session management including customer identification , validation , entitlements and encryption ; (c) communicating with said secure web server and a plurality of system resources with at least one dispatch server , said dispatch server providing verification of system access and proxy generation for said interactive communications after said customer' ; s entitlements have been verified ; and (d) providing a plurality of system resources for the customer , said plurality including an order entry application which enables the customer to add , delete and modify services provided by the communications network to the customer , and to identify and authenticate a plurality of users with distinct call entitlements , and to modify said entitlements from a single point of customer identification and authentication . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050222933A1 Filed: 2004-11-19 Issued: 2005-10-06 System and method for monitoring and control of wireless modules linked to assets (Original Assignee) Wesby Philip B (Current Assignee) M2M SOLUTIONS LLC Philip Wesby |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points (LCD screen) and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (atmospheric temperature) of e-banking touch points are comprised of at least two different types of e-banking touch point devices (pressure sensors) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (access code, use effect) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 9 . A remote asset management system according to claim 8 wherein said application is for monitoring unauthorised mobile persons or a group of people or for personnel location and surveillance or supervision in closed and open areas wherein said people or group of people carrying no programmable wireless module and/or said personnel entering said open or closed area illegally using said smart tag when not authorised , wherein said local system server service platform comprising a database of known unauthorised personnel not on duty and a data base of undesired people or of people having a criminal record received by said local system service platform from the national police department , means to send to authorised security officers located at predetermined checking points said status data to allow said local system server service platform to allow said authorised security officers to determine if an unauthorised personnel is illegally inside said area and said local system server service platform further transmitting a digital message to each of the security officers of the team in place in the vicinity of said unauthorised personnel with his photograph and personal data and its location within said area by means of one or a plurality of MMS and/or SMS messages in order for said security officers to locate said unauthorised personnel visually and take the necessary action , and said local system server service platform comprising means for controlling in real time a plurality of said smart tags for further allowing said local system server administrator to manage the presence , time , and the exact location of each of said supervised person or personnel within said area in real-time , and said local system server service platform comprising means for receiving from the police representative a list and status data of criminal records of people to be either prohibited to penetrate said compound or to be more carefully checked or supervised or arrested by police personnel carrying said programmable wireless module (10) embedded in either a cellular telephone or a PDA comprising a micro hard disk , to which an SMS and/or MMS message should be sent to let them know the person' ; s appearance and where said person is to be encountered within said area , said smart tags carried by personnel further comprising a LCD screen (touch points) to which messages can be read and allowing said local system server service platform to further send messages to said area security officer and to said personnel to assess their status authorised or not authorised , and/or said local system server service platform being further linked to a remote system server service platform (150) to synchronise their authorised personnel database and suspicious people database and share said database (wireless device) s with different local system server service platforms located at different supervised open or closed areas nation wide and/or world wide . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors (touch point devices) and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature (one plurality) or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (remote diagnostics, vehicle track, said form) . |
US20050222933A1 CLAIM 5 . A remote asset management system according to claim 4 wherein said programmable wireless modules (10) further comprising ; means for transmitting and storing requested data and/or periodically received data from said linked one or a plurality of said assets and/or emergency data of functional status and/or alarm and/or asset hardware anomaly in real-time for management and security purposes and means for transmitting said data to one of said local system server service platform and/or to said remote system server service platform (150) , and means for reporting in real-time said form (customer name, customer profile) atted functional status and/or said alarm and/or said asset hardware anomaly information requiring an intervention and means for broadcasting said information to one or a plurality of telephone numbers and/or PC or IP addresses from said second list wherein said intervention being either by remotely reprogramming part or all of said programmable wireless modules (10) or reconfiguring one or a plurality of said fixed or mobile assets (120) of one or a plurality of said subsets with new parameters and commands , and/or physically sending security officers and/or maintenance and/or medical personnel to the locations of said one or a plurality of subsets of fixed or mobile assets (120) and/or to the location of said programmable wireless modules (10) for troubleshooting or doing the maintenance of said asset and/or programmable wireless modules (10) or physically handling said operating alarm as required , and/or means for receiving and transmitting extended message service (EMS) and/or multimedia messaging service (MMS) message types , and/or said program module further comprising means for encoding and decoding the Extended Mark-up Language (XML) and said local and/or remote system server service platform (150) further comprising a computer software interface in the form of object oriented fields or Java applets , and further receiving and transmitting XML or wireless binary XML (WBXML) coded data and SMS compressed messages , and/or means for saving battery power for automatically putting said programmable wireless modules (10) in a sleeping mode when said programmable wireless module (10) does not need to transmit nor receive nor process data and further comprising auto-power up means to awake said programmable wireless modules (10) and put it back in an operating mode when a certain programmed date and/or time or preset alarm condition occur or when said fixed or mobile assets (120) or said local and/or remote system server service platform (150) are communicating to said programmable wireless module (10) to generate a radio (SMS) or network (E-mail) message , and/or means for executing a power on self-test (POSI) , and means for uploading an acknowledgement status to said local or remote system server service platform (150) . US20050222933A1 CLAIM 12 . A remote asset management system according to claim 7 wherein said application is for vehicle telematics wherein independent vehicles subscribing individually to a service from a vehicle telematics and security service provider or as a fleet of vehicles wherein said vehicles being taxis or corporate cars , or busses or trains or aircraft or boats or bicycles wherein each of said vehicles being further equipped with said programmable wireless module (10) and said mobile asset (110) comprising an onboard computer comprising a screen , said telematics application being remote diagnostics (customer name, customer profile) and/or live navigation assistance and/or weather conditions and/or information of interest services and/or real time traffic information and alternative route advises to avoid traffic congestion and/or voice recorder and/or vehicle track (customer name, customer profile) ing and/or storing received telephone numbers calling and/or E-mail messages , wherein said information and status data are displayed in the proper format wherein said location information are embedded in a digital map and others information are as well displayed to give the driver or pilot a clear view of the actual situation and whereabouts , and/or said vehicle further comprising an anti theft system embedded in the electronic component of the motor of said vehicle controlling the motor ignition and door opening and automatically sending an SMS to said local and/or remote system server service platform (150) and/or to the police and/or security department where said vehicle is to report said theft and the precise coordinates using said GSM module or said locating module of said vehicle , and said programmable wireless module (10) periodically sending or on request or when paged by said pager network useful diagnostic data to the remote maintenance computer located in said local or remote system server service platform (150) in charge of said vehicle to allow parts ordering for replacement before breaking and said computer remotely updating operating parameters of said vehicle and automatically requesting a maintenance appointment and giving the address and path to the specialised garage in the case of a terrestrial vehicle or signalling to the maintenance team to take charge of said vehicle and exactly knowing what repair or maintenance to do when out of the normal maintenance schedule , and/or said remote maintenance computer adapting the functioning parameters according to said received diagnostic statuses in order to allow an optimum modified vehicle operating capability for reasons of performance and security . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (remote diagnostics, vehicle track, said form) , a language to be used in connection with one or more of said touch points (LCD screen) , an account for conducting transactions , and a monetary amount (said sensor) to be the subject of select transactions . |
US20050222933A1 CLAIM 5 . A remote asset management system according to claim 4 wherein said programmable wireless modules (10) further comprising ; means for transmitting and storing requested data and/or periodically received data from said linked one or a plurality of said assets and/or emergency data of functional status and/or alarm and/or asset hardware anomaly in real-time for management and security purposes and means for transmitting said data to one of said local system server service platform and/or to said remote system server service platform (150) , and means for reporting in real-time said form (customer name, customer profile) atted functional status and/or said alarm and/or said asset hardware anomaly information requiring an intervention and means for broadcasting said information to one or a plurality of telephone numbers and/or PC or IP addresses from said second list wherein said intervention being either by remotely reprogramming part or all of said programmable wireless modules (10) or reconfiguring one or a plurality of said fixed or mobile assets (120) of one or a plurality of said subsets with new parameters and commands , and/or physically sending security officers and/or maintenance and/or medical personnel to the locations of said one or a plurality of subsets of fixed or mobile assets (120) and/or to the location of said programmable wireless modules (10) for troubleshooting or doing the maintenance of said asset and/or programmable wireless modules (10) or physically handling said operating alarm as required , and/or means for receiving and transmitting extended message service (EMS) and/or multimedia messaging service (MMS) message types , and/or said program module further comprising means for encoding and decoding the Extended Mark-up Language (XML) and said local and/or remote system server service platform (150) further comprising a computer software interface in the form of object oriented fields or Java applets , and further receiving and transmitting XML or wireless binary XML (WBXML) coded data and SMS compressed messages , and/or means for saving battery power for automatically putting said programmable wireless modules (10) in a sleeping mode when said programmable wireless module (10) does not need to transmit nor receive nor process data and further comprising auto-power up means to awake said programmable wireless modules (10) and put it back in an operating mode when a certain programmed date and/or time or preset alarm condition occur or when said fixed or mobile assets (120) or said local and/or remote system server service platform (150) are communicating to said programmable wireless module (10) to generate a radio (SMS) or network (E-mail) message , and/or means for executing a power on self-test (POSI) , and means for uploading an acknowledgement status to said local or remote system server service platform (150) . US20050222933A1 CLAIM 9 . A remote asset management system according to claim 8 wherein said application is for monitoring unauthorised mobile persons or a group of people or for personnel location and surveillance or supervision in closed and open areas wherein said people or group of people carrying no programmable wireless module and/or said personnel entering said open or closed area illegally using said smart tag when not authorised , wherein said local system server service platform comprising a database of known unauthorised personnel not on duty and a data base of undesired people or of people having a criminal record received by said local system service platform from the national police department , means to send to authorised security officers located at predetermined checking points said status data to allow said local system server service platform to allow said authorised security officers to determine if an unauthorised personnel is illegally inside said area and said local system server service platform further transmitting a digital message to each of the security officers of the team in place in the vicinity of said unauthorised personnel with his photograph and personal data and its location within said area by means of one or a plurality of MMS and/or SMS messages in order for said security officers to locate said unauthorised personnel visually and take the necessary action , and said local system server service platform comprising means for controlling in real time a plurality of said smart tags for further allowing said local system server administrator to manage the presence , time , and the exact location of each of said supervised person or personnel within said area in real-time , and said local system server service platform comprising means for receiving from the police representative a list and status data of criminal records of people to be either prohibited to penetrate said compound or to be more carefully checked or supervised or arrested by police personnel carrying said programmable wireless module (10) embedded in either a cellular telephone or a PDA comprising a micro hard disk , to which an SMS and/or MMS message should be sent to let them know the person' ; s appearance and where said person is to be encountered within said area , said smart tags carried by personnel further comprising a LCD screen (touch points) to which messages can be read and allowing said local system server service platform to further send messages to said area security officer and to said personnel to assess their status authorised or not authorised , and/or said local system server service platform being further linked to a remote system server service platform (150) to synchronise their authorised personnel database and suspicious people database and share said databases with different local system server service platforms located at different supervised open or closed areas nation wide and/or world wide . US20050222933A1 CLAIM 10 . A remote asset management system according to claim 7 wherein said application is for managing a network of vending machines wherein said actuators lock said vending machine when specific conditions are met wherein said specific conditions being for prohibiting access to said vending machine when not desired , and said sensor (monetary amount) s gather measured data wherein said measured data being the number of times the door is open and/or how many of each good has being bought in a programmable period of time and/or the amount of cash there is in said machine , and said sensors further gathering said machine diagnostic status and/or failure and/or temperature variation and/or unauthorised movement or of goods being taken , wherein said measured data are each sent by said programmable wireless module (10) to the corresponding service personnel for an appropriate operation located at said local fixed or mobile in a vehicle en route or remote system server service platform (150) , said operation being launched after collecting and analysing said measured data , wherein said operation being remote warranty diagnostic , and route planning allowing retailers to take the optimum route for carrying the exact quantity of each product in order to refill said network of vending machines , and stock planning and cash monitoring allowing said local or remote system server service platform (150) to optimise the product mix available for each of said vending machine , and also knowing the exact cash amount to be collected for each of said vending machine , and said operation further being service and part requirements , for allowing said vending machine maintenance service to send local engineers of the service and part requirements knowing the exact parts to be repaired or replaced , and said vending machine further comprising one of said sensors to detect unauthorised movement of said vending machine to send an alarm to the security service for a quick intervention . US20050222933A1 CLAIM 12 . A remote asset management system according to claim 7 wherein said application is for vehicle telematics wherein independent vehicles subscribing individually to a service from a vehicle telematics and security service provider or as a fleet of vehicles wherein said vehicles being taxis or corporate cars , or busses or trains or aircraft or boats or bicycles wherein each of said vehicles being further equipped with said programmable wireless module (10) and said mobile asset (110) comprising an onboard computer comprising a screen , said telematics application being remote diagnostics (customer name, customer profile) and/or live navigation assistance and/or weather conditions and/or information of interest services and/or real time traffic information and alternative route advises to avoid traffic congestion and/or voice recorder and/or vehicle track (customer name, customer profile) ing and/or storing received telephone numbers calling and/or E-mail messages , wherein said information and status data are displayed in the proper format wherein said location information are embedded in a digital map and others information are as well displayed to give the driver or pilot a clear view of the actual situation and whereabouts , and/or said vehicle further comprising an anti theft system embedded in the electronic component of the motor of said vehicle controlling the motor ignition and door opening and automatically sending an SMS to said local and/or remote system server service platform (150) and/or to the police and/or security department where said vehicle is to report said theft and the precise coordinates using said GSM module or said locating module of said vehicle , and said programmable wireless module (10) periodically sending or on request or when paged by said pager network useful diagnostic data to the remote maintenance computer located in said local or remote system server service platform (150) in charge of said vehicle to allow parts ordering for replacement before breaking and said computer remotely updating operating parameters of said vehicle and automatically requesting a maintenance appointment and giving the address and path to the specialised garage in the case of a terrestrial vehicle or signalling to the maintenance team to take charge of said vehicle and exactly knowing what repair or maintenance to do when out of the normal maintenance schedule , and/or said remote maintenance computer adapting the functioning parameters according to said received diagnostic statuses in order to allow an optimum modified vehicle operating capability for reasons of performance and security . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (access code, use effect) is classified as being one or more of current or approved content . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (access code, use effect) during said active session . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points (LCD screen) and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (access code, use effect) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 9 . A remote asset management system according to claim 8 wherein said application is for monitoring unauthorised mobile persons or a group of people or for personnel location and surveillance or supervision in closed and open areas wherein said people or group of people carrying no programmable wireless module and/or said personnel entering said open or closed area illegally using said smart tag when not authorised , wherein said local system server service platform comprising a database of known unauthorised personnel not on duty and a data base of undesired people or of people having a criminal record received by said local system service platform from the national police department , means to send to authorised security officers located at predetermined checking points said status data to allow said local system server service platform to allow said authorised security officers to determine if an unauthorised personnel is illegally inside said area and said local system server service platform further transmitting a digital message to each of the security officers of the team in place in the vicinity of said unauthorised personnel with his photograph and personal data and its location within said area by means of one or a plurality of MMS and/or SMS messages in order for said security officers to locate said unauthorised personnel visually and take the necessary action , and said local system server service platform comprising means for controlling in real time a plurality of said smart tags for further allowing said local system server administrator to manage the presence , time , and the exact location of each of said supervised person or personnel within said area in real-time , and said local system server service platform comprising means for receiving from the police representative a list and status data of criminal records of people to be either prohibited to penetrate said compound or to be more carefully checked or supervised or arrested by police personnel carrying said programmable wireless module (10) embedded in either a cellular telephone or a PDA comprising a micro hard disk , to which an SMS and/or MMS message should be sent to let them know the person' ; s appearance and where said person is to be encountered within said area , said smart tags carried by personnel further comprising a LCD screen (touch points) to which messages can be read and allowing said local system server service platform to further send messages to said area security officer and to said personnel to assess their status authorised or not authorised , and/or said local system server service platform being further linked to a remote system server service platform (150) to synchronise their authorised personnel database and suspicious people database and share said database (wireless device) s with different local system server service platforms located at different supervised open or closed areas nation wide and/or world wide . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (remote diagnostics, vehicle track, said form) . |
US20050222933A1 CLAIM 5 . A remote asset management system according to claim 4 wherein said programmable wireless modules (10) further comprising ; means for transmitting and storing requested data and/or periodically received data from said linked one or a plurality of said assets and/or emergency data of functional status and/or alarm and/or asset hardware anomaly in real-time for management and security purposes and means for transmitting said data to one of said local system server service platform and/or to said remote system server service platform (150) , and means for reporting in real-time said form (customer name, customer profile) atted functional status and/or said alarm and/or said asset hardware anomaly information requiring an intervention and means for broadcasting said information to one or a plurality of telephone numbers and/or PC or IP addresses from said second list wherein said intervention being either by remotely reprogramming part or all of said programmable wireless modules (10) or reconfiguring one or a plurality of said fixed or mobile assets (120) of one or a plurality of said subsets with new parameters and commands , and/or physically sending security officers and/or maintenance and/or medical personnel to the locations of said one or a plurality of subsets of fixed or mobile assets (120) and/or to the location of said programmable wireless modules (10) for troubleshooting or doing the maintenance of said asset and/or programmable wireless modules (10) or physically handling said operating alarm as required , and/or means for receiving and transmitting extended message service (EMS) and/or multimedia messaging service (MMS) message types , and/or said program module further comprising means for encoding and decoding the Extended Mark-up Language (XML) and said local and/or remote system server service platform (150) further comprising a computer software interface in the form of object oriented fields or Java applets , and further receiving and transmitting XML or wireless binary XML (WBXML) coded data and SMS compressed messages , and/or means for saving battery power for automatically putting said programmable wireless modules (10) in a sleeping mode when said programmable wireless module (10) does not need to transmit nor receive nor process data and further comprising auto-power up means to awake said programmable wireless modules (10) and put it back in an operating mode when a certain programmed date and/or time or preset alarm condition occur or when said fixed or mobile assets (120) or said local and/or remote system server service platform (150) are communicating to said programmable wireless module (10) to generate a radio (SMS) or network (E-mail) message , and/or means for executing a power on self-test (POSI) , and means for uploading an acknowledgement status to said local or remote system server service platform (150) . US20050222933A1 CLAIM 12 . A remote asset management system according to claim 7 wherein said application is for vehicle telematics wherein independent vehicles subscribing individually to a service from a vehicle telematics and security service provider or as a fleet of vehicles wherein said vehicles being taxis or corporate cars , or busses or trains or aircraft or boats or bicycles wherein each of said vehicles being further equipped with said programmable wireless module (10) and said mobile asset (110) comprising an onboard computer comprising a screen , said telematics application being remote diagnostics (customer name, customer profile) and/or live navigation assistance and/or weather conditions and/or information of interest services and/or real time traffic information and alternative route advises to avoid traffic congestion and/or voice recorder and/or vehicle track (customer name, customer profile) ing and/or storing received telephone numbers calling and/or E-mail messages , wherein said information and status data are displayed in the proper format wherein said location information are embedded in a digital map and others information are as well displayed to give the driver or pilot a clear view of the actual situation and whereabouts , and/or said vehicle further comprising an anti theft system embedded in the electronic component of the motor of said vehicle controlling the motor ignition and door opening and automatically sending an SMS to said local and/or remote system server service platform (150) and/or to the police and/or security department where said vehicle is to report said theft and the precise coordinates using said GSM module or said locating module of said vehicle , and said programmable wireless module (10) periodically sending or on request or when paged by said pager network useful diagnostic data to the remote maintenance computer located in said local or remote system server service platform (150) in charge of said vehicle to allow parts ordering for replacement before breaking and said computer remotely updating operating parameters of said vehicle and automatically requesting a maintenance appointment and giving the address and path to the specialised garage in the case of a terrestrial vehicle or signalling to the maintenance team to take charge of said vehicle and exactly knowing what repair or maintenance to do when out of the normal maintenance schedule , and/or said remote maintenance computer adapting the functioning parameters according to said received diagnostic statuses in order to allow an optimum modified vehicle operating capability for reasons of performance and security . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (remote diagnostics, vehicle track, said form) , a language to be used in connection with one or more of said touch points (LCD screen) , an account for conducting transactions , and a monetary amount (said sensor) to be the subject of select transactions . |
US20050222933A1 CLAIM 5 . A remote asset management system according to claim 4 wherein said programmable wireless modules (10) further comprising ; means for transmitting and storing requested data and/or periodically received data from said linked one or a plurality of said assets and/or emergency data of functional status and/or alarm and/or asset hardware anomaly in real-time for management and security purposes and means for transmitting said data to one of said local system server service platform and/or to said remote system server service platform (150) , and means for reporting in real-time said form (customer name, customer profile) atted functional status and/or said alarm and/or said asset hardware anomaly information requiring an intervention and means for broadcasting said information to one or a plurality of telephone numbers and/or PC or IP addresses from said second list wherein said intervention being either by remotely reprogramming part or all of said programmable wireless modules (10) or reconfiguring one or a plurality of said fixed or mobile assets (120) of one or a plurality of said subsets with new parameters and commands , and/or physically sending security officers and/or maintenance and/or medical personnel to the locations of said one or a plurality of subsets of fixed or mobile assets (120) and/or to the location of said programmable wireless modules (10) for troubleshooting or doing the maintenance of said asset and/or programmable wireless modules (10) or physically handling said operating alarm as required , and/or means for receiving and transmitting extended message service (EMS) and/or multimedia messaging service (MMS) message types , and/or said program module further comprising means for encoding and decoding the Extended Mark-up Language (XML) and said local and/or remote system server service platform (150) further comprising a computer software interface in the form of object oriented fields or Java applets , and further receiving and transmitting XML or wireless binary XML (WBXML) coded data and SMS compressed messages , and/or means for saving battery power for automatically putting said programmable wireless modules (10) in a sleeping mode when said programmable wireless module (10) does not need to transmit nor receive nor process data and further comprising auto-power up means to awake said programmable wireless modules (10) and put it back in an operating mode when a certain programmed date and/or time or preset alarm condition occur or when said fixed or mobile assets (120) or said local and/or remote system server service platform (150) are communicating to said programmable wireless module (10) to generate a radio (SMS) or network (E-mail) message , and/or means for executing a power on self-test (POSI) , and means for uploading an acknowledgement status to said local or remote system server service platform (150) . US20050222933A1 CLAIM 9 . A remote asset management system according to claim 8 wherein said application is for monitoring unauthorised mobile persons or a group of people or for personnel location and surveillance or supervision in closed and open areas wherein said people or group of people carrying no programmable wireless module and/or said personnel entering said open or closed area illegally using said smart tag when not authorised , wherein said local system server service platform comprising a database of known unauthorised personnel not on duty and a data base of undesired people or of people having a criminal record received by said local system service platform from the national police department , means to send to authorised security officers located at predetermined checking points said status data to allow said local system server service platform to allow said authorised security officers to determine if an unauthorised personnel is illegally inside said area and said local system server service platform further transmitting a digital message to each of the security officers of the team in place in the vicinity of said unauthorised personnel with his photograph and personal data and its location within said area by means of one or a plurality of MMS and/or SMS messages in order for said security officers to locate said unauthorised personnel visually and take the necessary action , and said local system server service platform comprising means for controlling in real time a plurality of said smart tags for further allowing said local system server administrator to manage the presence , time , and the exact location of each of said supervised person or personnel within said area in real-time , and said local system server service platform comprising means for receiving from the police representative a list and status data of criminal records of people to be either prohibited to penetrate said compound or to be more carefully checked or supervised or arrested by police personnel carrying said programmable wireless module (10) embedded in either a cellular telephone or a PDA comprising a micro hard disk , to which an SMS and/or MMS message should be sent to let them know the person' ; s appearance and where said person is to be encountered within said area , said smart tags carried by personnel further comprising a LCD screen (touch points) to which messages can be read and allowing said local system server service platform to further send messages to said area security officer and to said personnel to assess their status authorised or not authorised , and/or said local system server service platform being further linked to a remote system server service platform (150) to synchronise their authorised personnel database and suspicious people database and share said databases with different local system server service platforms located at different supervised open or closed areas nation wide and/or world wide . US20050222933A1 CLAIM 10 . A remote asset management system according to claim 7 wherein said application is for managing a network of vending machines wherein said actuators lock said vending machine when specific conditions are met wherein said specific conditions being for prohibiting access to said vending machine when not desired , and said sensor (monetary amount) s gather measured data wherein said measured data being the number of times the door is open and/or how many of each good has being bought in a programmable period of time and/or the amount of cash there is in said machine , and said sensors further gathering said machine diagnostic status and/or failure and/or temperature variation and/or unauthorised movement or of goods being taken , wherein said measured data are each sent by said programmable wireless module (10) to the corresponding service personnel for an appropriate operation located at said local fixed or mobile in a vehicle en route or remote system server service platform (150) , said operation being launched after collecting and analysing said measured data , wherein said operation being remote warranty diagnostic , and route planning allowing retailers to take the optimum route for carrying the exact quantity of each product in order to refill said network of vending machines , and stock planning and cash monitoring allowing said local or remote system server service platform (150) to optimise the product mix available for each of said vending machine , and also knowing the exact cash amount to be collected for each of said vending machine , and said operation further being service and part requirements , for allowing said vending machine maintenance service to send local engineers of the service and part requirements knowing the exact parts to be repaired or replaced , and said vending machine further comprising one of said sensors to detect unauthorised movement of said vending machine to send an alarm to the security service for a quick intervention . US20050222933A1 CLAIM 12 . A remote asset management system according to claim 7 wherein said application is for vehicle telematics wherein independent vehicles subscribing individually to a service from a vehicle telematics and security service provider or as a fleet of vehicles wherein said vehicles being taxis or corporate cars , or busses or trains or aircraft or boats or bicycles wherein each of said vehicles being further equipped with said programmable wireless module (10) and said mobile asset (110) comprising an onboard computer comprising a screen , said telematics application being remote diagnostics (customer name, customer profile) and/or live navigation assistance and/or weather conditions and/or information of interest services and/or real time traffic information and alternative route advises to avoid traffic congestion and/or voice recorder and/or vehicle track (customer name, customer profile) ing and/or storing received telephone numbers calling and/or E-mail messages , wherein said information and status data are displayed in the proper format wherein said location information are embedded in a digital map and others information are as well displayed to give the driver or pilot a clear view of the actual situation and whereabouts , and/or said vehicle further comprising an anti theft system embedded in the electronic component of the motor of said vehicle controlling the motor ignition and door opening and automatically sending an SMS to said local and/or remote system server service platform (150) and/or to the police and/or security department where said vehicle is to report said theft and the precise coordinates using said GSM module or said locating module of said vehicle , and said programmable wireless module (10) periodically sending or on request or when paged by said pager network useful diagnostic data to the remote maintenance computer located in said local or remote system server service platform (150) in charge of said vehicle to allow parts ordering for replacement before breaking and said computer remotely updating operating parameters of said vehicle and automatically requesting a maintenance appointment and giving the address and path to the specialised garage in the case of a terrestrial vehicle or signalling to the maintenance team to take charge of said vehicle and exactly knowing what repair or maintenance to do when out of the normal maintenance schedule , and/or said remote maintenance computer adapting the functioning parameters according to said received diagnostic statuses in order to allow an optimum modified vehicle operating capability for reasons of performance and security . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (access code, use effect) is classified as being one or more of current or approved content . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (access code, use effect) during said active session . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points (LCD screen) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (hard disk) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (access code, use effect) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 13 . A remote asset management system according to claim 7 wherein said application is for use in a facility management system wherein said facility being hospitals or pharmaceutical or biological or medical research laboratories and/or clean rooms of semiconductors manufacturers or building automation systems of private or public building or home automation , wherein said assets being facility appliances for burglar alarms and/or goods refrigeration devices and/or room temperature regulation devices and/or for electronic key control and/or automatic door opening devices and/or panic hardware devices and/or fire and/or smoke detection devices and/or false alarm protection devices and/or for a filtering system for air intake systems and/or a security camera or video camera and/or elevators and/or fan system control devices and/or heating system and/or solid-state video recorder and/or sauna heater , wherein said sensors being for air velocity and flow and/or temperature and/or air pollution and/or humidity and/or C 02 and/or combustible gas and/or gas flame measurement and/or movement or pressure for intruder detection and/or utility metering , each of said appliances being further linked to one of said programmable wireless modules (10) either in the same housing or via a blue tooth radio link or via direct connection through said remote asset interface module (110) for reporting respectively measured data to respective local and/or remote system server service platform (150) wherein said local or remote system server service platform (150) being located in said facility perimeter and comprising a computer for responding adequately to one of said and by passing updated parameters either pre-programmed or received from said required services to allow said facility to operate safely , wherein said facility management system further comprising means for remotely controlling said facility management system by a supervisor and/or one of said subscribers wherein said means being a PDA comprising a micro hard disk (data storage device) or a Laptop computer , embedded with one of said programmable wireless modules (10) wherein said controlling means comprising means for receiving status data and/or a photograph of an intruder in the form of one or more MMS messages . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (remote diagnostics, vehicle track, said form) . |
US20050222933A1 CLAIM 5 . A remote asset management system according to claim 4 wherein said programmable wireless modules (10) further comprising ; means for transmitting and storing requested data and/or periodically received data from said linked one or a plurality of said assets and/or emergency data of functional status and/or alarm and/or asset hardware anomaly in real-time for management and security purposes and means for transmitting said data to one of said local system server service platform and/or to said remote system server service platform (150) , and means for reporting in real-time said form (customer name, customer profile) atted functional status and/or said alarm and/or said asset hardware anomaly information requiring an intervention and means for broadcasting said information to one or a plurality of telephone numbers and/or PC or IP addresses from said second list wherein said intervention being either by remotely reprogramming part or all of said programmable wireless modules (10) or reconfiguring one or a plurality of said fixed or mobile assets (120) of one or a plurality of said subsets with new parameters and commands , and/or physically sending security officers and/or maintenance and/or medical personnel to the locations of said one or a plurality of subsets of fixed or mobile assets (120) and/or to the location of said programmable wireless modules (10) for troubleshooting or doing the maintenance of said asset and/or programmable wireless modules (10) or physically handling said operating alarm as required , and/or means for receiving and transmitting extended message service (EMS) and/or multimedia messaging service (MMS) message types , and/or said program module further comprising means for encoding and decoding the Extended Mark-up Language (XML) and said local and/or remote system server service platform (150) further comprising a computer software interface in the form of object oriented fields or Java applets , and further receiving and transmitting XML or wireless binary XML (WBXML) coded data and SMS compressed messages , and/or means for saving battery power for automatically putting said programmable wireless modules (10) in a sleeping mode when said programmable wireless module (10) does not need to transmit nor receive nor process data and further comprising auto-power up means to awake said programmable wireless modules (10) and put it back in an operating mode when a certain programmed date and/or time or preset alarm condition occur or when said fixed or mobile assets (120) or said local and/or remote system server service platform (150) are communicating to said programmable wireless module (10) to generate a radio (SMS) or network (E-mail) message , and/or means for executing a power on self-test (POSI) , and means for uploading an acknowledgement status to said local or remote system server service platform (150) . US20050222933A1 CLAIM 12 . A remote asset management system according to claim 7 wherein said application is for vehicle telematics wherein independent vehicles subscribing individually to a service from a vehicle telematics and security service provider or as a fleet of vehicles wherein said vehicles being taxis or corporate cars , or busses or trains or aircraft or boats or bicycles wherein each of said vehicles being further equipped with said programmable wireless module (10) and said mobile asset (110) comprising an onboard computer comprising a screen , said telematics application being remote diagnostics (customer name, customer profile) and/or live navigation assistance and/or weather conditions and/or information of interest services and/or real time traffic information and alternative route advises to avoid traffic congestion and/or voice recorder and/or vehicle track (customer name, customer profile) ing and/or storing received telephone numbers calling and/or E-mail messages , wherein said information and status data are displayed in the proper format wherein said location information are embedded in a digital map and others information are as well displayed to give the driver or pilot a clear view of the actual situation and whereabouts , and/or said vehicle further comprising an anti theft system embedded in the electronic component of the motor of said vehicle controlling the motor ignition and door opening and automatically sending an SMS to said local and/or remote system server service platform (150) and/or to the police and/or security department where said vehicle is to report said theft and the precise coordinates using said GSM module or said locating module of said vehicle , and said programmable wireless module (10) periodically sending or on request or when paged by said pager network useful diagnostic data to the remote maintenance computer located in said local or remote system server service platform (150) in charge of said vehicle to allow parts ordering for replacement before breaking and said computer remotely updating operating parameters of said vehicle and automatically requesting a maintenance appointment and giving the address and path to the specialised garage in the case of a terrestrial vehicle or signalling to the maintenance team to take charge of said vehicle and exactly knowing what repair or maintenance to do when out of the normal maintenance schedule , and/or said remote maintenance computer adapting the functioning parameters according to said received diagnostic statuses in order to allow an optimum modified vehicle operating capability for reasons of performance and security . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (remote diagnostics, vehicle track, said form) , a language to be used in connection with one or more of said touch points (LCD screen) , an account for conducting transactions , and a monetary amount (said sensor) to be the subject of select transactions . |
US20050222933A1 CLAIM 5 . A remote asset management system according to claim 4 wherein said programmable wireless modules (10) further comprising ; means for transmitting and storing requested data and/or periodically received data from said linked one or a plurality of said assets and/or emergency data of functional status and/or alarm and/or asset hardware anomaly in real-time for management and security purposes and means for transmitting said data to one of said local system server service platform and/or to said remote system server service platform (150) , and means for reporting in real-time said form (customer name, customer profile) atted functional status and/or said alarm and/or said asset hardware anomaly information requiring an intervention and means for broadcasting said information to one or a plurality of telephone numbers and/or PC or IP addresses from said second list wherein said intervention being either by remotely reprogramming part or all of said programmable wireless modules (10) or reconfiguring one or a plurality of said fixed or mobile assets (120) of one or a plurality of said subsets with new parameters and commands , and/or physically sending security officers and/or maintenance and/or medical personnel to the locations of said one or a plurality of subsets of fixed or mobile assets (120) and/or to the location of said programmable wireless modules (10) for troubleshooting or doing the maintenance of said asset and/or programmable wireless modules (10) or physically handling said operating alarm as required , and/or means for receiving and transmitting extended message service (EMS) and/or multimedia messaging service (MMS) message types , and/or said program module further comprising means for encoding and decoding the Extended Mark-up Language (XML) and said local and/or remote system server service platform (150) further comprising a computer software interface in the form of object oriented fields or Java applets , and further receiving and transmitting XML or wireless binary XML (WBXML) coded data and SMS compressed messages , and/or means for saving battery power for automatically putting said programmable wireless modules (10) in a sleeping mode when said programmable wireless module (10) does not need to transmit nor receive nor process data and further comprising auto-power up means to awake said programmable wireless modules (10) and put it back in an operating mode when a certain programmed date and/or time or preset alarm condition occur or when said fixed or mobile assets (120) or said local and/or remote system server service platform (150) are communicating to said programmable wireless module (10) to generate a radio (SMS) or network (E-mail) message , and/or means for executing a power on self-test (POSI) , and means for uploading an acknowledgement status to said local or remote system server service platform (150) . US20050222933A1 CLAIM 10 . A remote asset management system according to claim 7 wherein said application is for managing a network of vending machines wherein said actuators lock said vending machine when specific conditions are met wherein said specific conditions being for prohibiting access to said vending machine when not desired , and said sensor (monetary amount) s gather measured data wherein said measured data being the number of times the door is open and/or how many of each good has being bought in a programmable period of time and/or the amount of cash there is in said machine , and said sensors further gathering said machine diagnostic status and/or failure and/or temperature variation and/or unauthorised movement or of goods being taken , wherein said measured data are each sent by said programmable wireless module (10) to the corresponding service personnel for an appropriate operation located at said local fixed or mobile in a vehicle en route or remote system server service platform (150) , said operation being launched after collecting and analysing said measured data , wherein said operation being remote warranty diagnostic , and route planning allowing retailers to take the optimum route for carrying the exact quantity of each product in order to refill said network of vending machines , and stock planning and cash monitoring allowing said local or remote system server service platform (150) to optimise the product mix available for each of said vending machine , and also knowing the exact cash amount to be collected for each of said vending machine , and said operation further being service and part requirements , for allowing said vending machine maintenance service to send local engineers of the service and part requirements knowing the exact parts to be repaired or replaced , and said vending machine further comprising one of said sensors to detect unauthorised movement of said vending machine to send an alarm to the security service for a quick intervention . US20050222933A1 CLAIM 12 . A remote asset management system according to claim 7 wherein said application is for vehicle telematics wherein independent vehicles subscribing individually to a service from a vehicle telematics and security service provider or as a fleet of vehicles wherein said vehicles being taxis or corporate cars , or busses or trains or aircraft or boats or bicycles wherein each of said vehicles being further equipped with said programmable wireless module (10) and said mobile asset (110) comprising an onboard computer comprising a screen , said telematics application being remote diagnostics (customer name, customer profile) and/or live navigation assistance and/or weather conditions and/or information of interest services and/or real time traffic information and alternative route advises to avoid traffic congestion and/or voice recorder and/or vehicle track (customer name, customer profile) ing and/or storing received telephone numbers calling and/or E-mail messages , wherein said information and status data are displayed in the proper format wherein said location information are embedded in a digital map and others information are as well displayed to give the driver or pilot a clear view of the actual situation and whereabouts , and/or said vehicle further comprising an anti theft system embedded in the electronic component of the motor of said vehicle controlling the motor ignition and door opening and automatically sending an SMS to said local and/or remote system server service platform (150) and/or to the police and/or security department where said vehicle is to report said theft and the precise coordinates using said GSM module or said locating module of said vehicle , and said programmable wireless module (10) periodically sending or on request or when paged by said pager network useful diagnostic data to the remote maintenance computer located in said local or remote system server service platform (150) in charge of said vehicle to allow parts ordering for replacement before breaking and said computer remotely updating operating parameters of said vehicle and automatically requesting a maintenance appointment and giving the address and path to the specialised garage in the case of a terrestrial vehicle or signalling to the maintenance team to take charge of said vehicle and exactly knowing what repair or maintenance to do when out of the normal maintenance schedule , and/or said remote maintenance computer adapting the functioning parameters according to said received diagnostic statuses in order to allow an optimum modified vehicle operating capability for reasons of performance and security . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (access code, use effect) is classified as being one or more of current or approved content . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (access code, use effect) is transmitted during said active session . |
US20050222933A1 CLAIM 6 . A remote asset management system according to claim 5 wherein said programmable wireless module (10) further comprising ; means for controlling the duty cycle of said programmable wireless module (10) for periodically validating and invalidating during certain time of the day or week or month or year one or a plurality of said access code (marketing content) of a range of personnel in said first list to automatically control any public or personnel access to a protected area or precinct or building or floor wherein said public or personnel carrying an ID smart tag comprising said programmable wireless module (10) wherein said unique code being either its own wireless telephone number or a unique ID code or its PUK number , means for remotely removing or replacing one or a plurality of said personnel and/or subscriber numbers in said personnel second list when said personnel is replaced or changes his telephone number and/or PC or IP address . US20050222933A1 CLAIM 14 . A remote asset management system according to claim 7 wherein said application is for environmental sensing system or for supervising local and/or global environmental conditions wherein said environmental conditions are weather control and forecast or greenhouse effect (marketing content) measurement or earthquake warning/prediction or volcano supervision or sea temperature and sea current supervision and wave height and displacement speed and oil spillage propagation or atmosphere supervision or tornado formation or river contamination and flood prediction , wherein said programmable wireless module (10) being mounted with said sensors in a carrier adapted to the environment , and said sensors being air and/or sea pressure sensors and/or tectonic sensors and/or temperature sensors and/or air speed sensors and/or water flow sensors and/or specific chemical substance sensors and/or high atmosphere probes and said measured data being acidity level and/or alkalinity level and/or concentration of dissolved oxygen and/or carbon monoxide level and/or contaminant concentration and/or level of radioactivity and/or ultrasound level and/or carbon dioxide concentration or atmospheric temperature or surface sea water and/or deep sea water temperature and/or air pressure and/or humidity level and/or pollution or contamination level and/or levels of rivers and/or wind speed , and said remote system server service platform (150) collecting said data for allowing short term and long term weather forecast and storm and other dramatic weather situations or tsunami or earthquake early warning and/or pollution or contamination level assessment of supervised sea and atmosphere and supervised river and lake and earth zone . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050096994A1 Filed: 2004-11-02 Issued: 2005-05-05 Cash dispensing automated banking machine and method (Original Assignee) Diebold Nixdorf Inc (Current Assignee) Diebold Nixdorf Inc Jay Drummond, Dale Blackson, Lilei Chen, Bob Cichon, Mark Covert, Bradrick Lepper, Mark Moales, Mark Smith, Robert Lemley, Michael Califf, Shawn Joyce, Phillip Moore, Steven Swingler |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20050096994A1 CLAIM 1 . A method comprising : a) operating at least one computer in an automated banking machine , wherein the automated banking machine is operative to carry out financial transactions (conducting transactions) responsive to operating the at least one computer and includes at least one input device adapted to receive identifying inputs usable to identify at least one of users and user financial accounts , and a cash dispenser adapted to dispense cash to users of the machine : b) responsive to at least one first condition of the machine that occurs responsive to operation of the machine , operating the at least one computer in the machine to send at least one first message from the machine to at least one first computer remote from the machine , wherein the at least one first message comprises at least one markup language document , wherein the at least one markup language document includes data corresponding to the at least one first condition . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (computer readable media) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050096994A1 CLAIM 16 . An article of computer readable media (computer systems) bearing instructions which are operative to cause at least one computer in an automated banking machine to carry out the method recited in claim 1 . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20050096994A1 CLAIM 1 . A method comprising : a) operating at least one computer in an automated banking machine , wherein the automated banking machine is operative to carry out financial transactions (conducting transactions) responsive to operating the at least one computer and includes at least one input device adapted to receive identifying inputs usable to identify at least one of users and user financial accounts , and a cash dispenser adapted to dispense cash to users of the machine : b) responsive to at least one first condition of the machine that occurs responsive to operation of the machine , operating the at least one computer in the machine to send at least one first message from the machine to at least one first computer remote from the machine , wherein the at least one first message comprises at least one markup language document , wherein the at least one markup language document includes data corresponding to the at least one first condition . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (computer readable media) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050096994A1 CLAIM 16 . An article of computer readable media (computer systems) bearing instructions which are operative to cause at least one computer in an automated banking machine to carry out the method recited in claim 1 . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20050096994A1 CLAIM 1 . A method comprising : a) operating at least one computer in an automated banking machine , wherein the automated banking machine is operative to carry out financial transactions (conducting transactions) responsive to operating the at least one computer and includes at least one input device adapted to receive identifying inputs usable to identify at least one of users and user financial accounts , and a cash dispenser adapted to dispense cash to users of the machine : b) responsive to at least one first condition of the machine that occurs responsive to operation of the machine , operating the at least one computer in the machine to send at least one first message from the machine to at least one first computer remote from the machine , wherein the at least one first message comprises at least one markup language document , wherein the at least one markup language document includes data corresponding to the at least one first condition . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050097000A1 Filed: 2004-09-20 Issued: 2005-05-05 Systems and methods to facilitate selling of products and services (Original Assignee) Proficient Systems Inc (Current Assignee) LivePerson Inc Gregg Freishtat, Steve Hufford, Dodge McFall, Jackson Wilson, Tanya Hyman, Vikas Rijsinghani, Paul Kaib |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (different types) of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (profile information, action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050097000A1 CLAIM 4 . The method of claim 1 , wherein the session information is parsed and segmented in accordance with product accreditations achieved by sales associates , whereby each sales associate is presented with different types (different types) of sales opportunities depending on the product accreditation of the sales associate . US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (profile information, action information) is classified as being one or more of current or approved content . |
US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (profile information, action information) during said active session . |
US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (profile information, action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (profile information, action information) is classified as being one or more of current or approved content . |
US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (profile information, action information) during said active session . |
US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (profile information, action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (profile information, action information) is classified as being one or more of current or approved content . |
US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (profile information, action information) is transmitted during said active session . |
US20050097000A1 CLAIM 19 . A method of matching an online customer on a enterprise' ; s website with at least one online sales associate , comprising : receiving session information on a customer session on the enterprise website ; receiving any customer information on the customer ; receiving sales associate profile information (marketing content) on the sales associates ; determining an appropriate matching rule set to apply ; applying the rule set to the session , customer , and sales associate information ; formulating a matching score for each sales associate ; and ranking the sales associates based on the matching score . US20050097000A1 CLAIM 48 . The method of claim 41 , further comprising : providing an enterprise with the best practices information , sales transaction information (marketing content) , and method of communication information . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20040267664A1 Filed: 2004-06-22 Issued: 2004-12-30 Method for providing banking services by use of mobile communication system (Original Assignee) LG Uplus Corp (Current Assignee) LG Uplus Corp Deok-Young Nam, Hyung-Seok Kim, Jun-Hyung Kim, Hee-Jin Park |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (random number) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040267664A1 CLAIM 6 . The method set forth in claim 1 , further comprising : inputting a password and a transfer amount of a withdrawal account among the financial accounts , an account number of a deposit account of the financial accounts , and information of the corresponding financial institution when the financial transaction selected through the mobile communication system is a transfer/remittance transaction ; requesting a reserved transfer transaction from the corresponding banking server based on information of the deposit/withdrawal accounts and the transfer amounts ; generating a security card number consisting of at least one random number (self service coin counter) from the banking server in response to the reserved transfer transaction , transmitting the generated security card number to the mobile communication system , inputting the security card number into the mobile communication system again , and transmitting the input security card number to the banking server ; and transmitting the security card number to the banking server to request a main transfer transaction with respect to the corresponding deposit/withdrawal accounts , and receiving a result of processing the main transfer transaction from the banking server to display the processed result in the display window of the mobile communication system . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US20040267664A1 CLAIM 1 . A method of providing banking services by use of a mobile communication system , in which financial transactions are performed with a banking server of at least one financial institution (transaction machine, customer profile, customer name) using the mobile communication system having a removable built-in integrated circuit (IC) card chip that stores at least personal identification number (PIN) information and related information on financial accounts of a user , the method comprising : selecting an electronic bankbook service through any one of a mobile banking (M/B) dedicated key and a menu option provided to the mobile communication system , and selecting any one from financial transactions for the electronic bankbook service ; comparing PIN information input at the mobile communication system with the PIN information stored in the IC card chip , and authenticating access to data stored in the IC card chip on the mobile communication system ; a financial information display step of , when a login is completed to the IC card chip through the PIN authentication step , displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system ; forming a financial transaction request message using the related information of the selected financial account through a banking application built in the mobile communication system , and transmitting the financial transaction request message to the banking server when a signal based on the selection of the financial account is input at the mobile communication system ; performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server , and transmitting a financial transaction response message to the mobile communication system ; and receiving the financial transaction response message transmitted from the banking server , and displaying the resulting transaction history in the display window of the mobile communication system . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions, transaction request) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US20040267664A1 CLAIM 1 . A method of providing banking services by use of a mobile communication system , in which financial transactions (conducting transactions) are performed with a banking server of at least one financial institution (transaction machine, customer profile, customer name) using the mobile communication system having a removable built-in integrated circuit (IC) card chip that stores at least personal identification number (PIN) information and related information on financial accounts of a user , the method comprising : selecting an electronic bank (monetary amount) book service through any one of a mobile banking (M/B) dedicated key and a menu option provided to the mobile communication system , and selecting any one from financial transactions for the electronic bankbook service ; comparing PIN information input at the mobile communication system with the PIN information stored in the IC card chip , and authenticating access to data stored in the IC card chip on the mobile communication system ; a financial information display step of , when a login is completed to the IC card chip through the PIN authentication step , displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system ; forming a financial transaction request (conducting transactions) message using the related information of the selected financial account through a banking application built in the mobile communication system , and transmitting the financial transaction request message to the banking server when a signal based on the selection of the financial account is input at the mobile communication system ; performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server , and transmitting a financial transaction response message to the mobile communication system ; and receiving the financial transaction response message transmitted from the banking server , and displaying the resulting transaction history in the display window of the mobile communication system . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US20040267664A1 CLAIM 1 . A method of providing banking services by use of a mobile communication system , in which financial transactions are performed with a banking server of at least one financial institution (transaction machine, customer profile, customer name) using the mobile communication system having a removable built-in integrated circuit (IC) card chip that stores at least personal identification number (PIN) information and related information on financial accounts of a user , the method comprising : selecting an electronic bankbook service through any one of a mobile banking (M/B) dedicated key and a menu option provided to the mobile communication system , and selecting any one from financial transactions for the electronic bankbook service ; comparing PIN information input at the mobile communication system with the PIN information stored in the IC card chip , and authenticating access to data stored in the IC card chip on the mobile communication system ; a financial information display step of , when a login is completed to the IC card chip through the PIN authentication step , displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system ; forming a financial transaction request message using the related information of the selected financial account through a banking application built in the mobile communication system , and transmitting the financial transaction request message to the banking server when a signal based on the selection of the financial account is input at the mobile communication system ; performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server , and transmitting a financial transaction response message to the mobile communication system ; and receiving the financial transaction response message transmitted from the banking server , and displaying the resulting transaction history in the display window of the mobile communication system . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions, transaction request) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US20040267664A1 CLAIM 1 . A method of providing banking services by use of a mobile communication system , in which financial transactions (conducting transactions) are performed with a banking server of at least one financial institution (transaction machine, customer profile, customer name) using the mobile communication system having a removable built-in integrated circuit (IC) card chip that stores at least personal identification number (PIN) information and related information on financial accounts of a user , the method comprising : selecting an electronic bank (monetary amount) book service through any one of a mobile banking (M/B) dedicated key and a menu option provided to the mobile communication system , and selecting any one from financial transactions for the electronic bankbook service ; comparing PIN information input at the mobile communication system with the PIN information stored in the IC card chip , and authenticating access to data stored in the IC card chip on the mobile communication system ; a financial information display step of , when a login is completed to the IC card chip through the PIN authentication step , displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system ; forming a financial transaction request (conducting transactions) message using the related information of the selected financial account through a banking application built in the mobile communication system , and transmitting the financial transaction request message to the banking server when a signal based on the selection of the financial account is input at the mobile communication system ; performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server , and transmitting a financial transaction response message to the mobile communication system ; and receiving the financial transaction response message transmitted from the banking server , and displaying the resulting transaction history in the display window of the mobile communication system . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US20040267664A1 CLAIM 1 . A method of providing banking services by use of a mobile communication system , in which financial transactions are performed with a banking server of at least one financial institution (transaction machine, customer profile, customer name) using the mobile communication system having a removable built-in integrated circuit (IC) card chip that stores at least personal identification number (PIN) information and related information on financial accounts of a user , the method comprising : selecting an electronic bankbook service through any one of a mobile banking (M/B) dedicated key and a menu option provided to the mobile communication system , and selecting any one from financial transactions for the electronic bankbook service ; comparing PIN information input at the mobile communication system with the PIN information stored in the IC card chip , and authenticating access to data stored in the IC card chip on the mobile communication system ; a financial information display step of , when a login is completed to the IC card chip through the PIN authentication step , displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system ; forming a financial transaction request message using the related information of the selected financial account through a banking application built in the mobile communication system , and transmitting the financial transaction request message to the banking server when a signal based on the selection of the financial account is input at the mobile communication system ; performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server , and transmitting a financial transaction response message to the mobile communication system ; and receiving the financial transaction response message transmitted from the banking server , and displaying the resulting transaction history in the display window of the mobile communication system . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions, transaction request) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US20040267664A1 CLAIM 1 . A method of providing banking services by use of a mobile communication system , in which financial transactions (conducting transactions) are performed with a banking server of at least one financial institution (transaction machine, customer profile, customer name) using the mobile communication system having a removable built-in integrated circuit (IC) card chip that stores at least personal identification number (PIN) information and related information on financial accounts of a user , the method comprising : selecting an electronic bank (monetary amount) book service through any one of a mobile banking (M/B) dedicated key and a menu option provided to the mobile communication system , and selecting any one from financial transactions for the electronic bankbook service ; comparing PIN information input at the mobile communication system with the PIN information stored in the IC card chip , and authenticating access to data stored in the IC card chip on the mobile communication system ; a financial information display step of , when a login is completed to the IC card chip through the PIN authentication step , displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system ; forming a financial transaction request (conducting transactions) message using the related information of the selected financial account through a banking application built in the mobile communication system , and transmitting the financial transaction request message to the banking server when a signal based on the selection of the financial account is input at the mobile communication system ; performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server , and transmitting a financial transaction response message to the mobile communication system ; and receiving the financial transaction response message transmitted from the banking server , and displaying the resulting transaction history in the display window of the mobile communication system . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20040260636A1 Filed: 2004-04-14 Issued: 2004-12-23 Check image access system (Original Assignee) Integrated Data Control Inc (Current Assignee) INDACON Inc Stephen Marceau, Robert Jensen, Daniel Smith, Damon Herrin |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . US20040260636A1 CLAIM 31 . A method for a financial institution to deliver an electronic financial statement to a customer including financial check and transaction images and a searchable index , comprising the steps of : creating images of a financial account customer' ; s checks and transactions that have cleared the customer' ; s financial account ; creating a search index of preselected check information that is linked to the corresponding images of a financial account customer' ; s checks and transactions ; and downloading the images and index from the financial institution into a computer software application on the customer' ; s computer system (computer system) that allows the customer to search the preselected fields and view any of the corresponding check images . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20040260636A1 CLAIM 3 . The method of claim 2 , wherein the complementary software also provides an interface and a database selection module for recording the customer' ; s financial transactions (conducting transactions) . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . US20040260636A1 CLAIM 31 . A method for a financial institution to deliver an electronic financial statement to a customer including financial check and transaction images and a searchable index , comprising the steps of : creating images of a financial account customer' ; s checks and transactions that have cleared the customer' ; s financial account ; creating a search index of preselected check information that is linked to the corresponding images of a financial account customer' ; s checks and transactions ; and downloading the images and index from the financial institution into a computer software application on the customer' ; s computer system (computer system) that allows the customer to search the preselected fields and view any of the corresponding check images . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20040260636A1 CLAIM 3 . The method of claim 2 , wherein the complementary software also provides an interface and a database selection module for recording the customer' ; s financial transactions (conducting transactions) . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20040260636A1 CLAIM 3 . The method of claim 2 , wherein the complementary software also provides an interface and a database selection module for recording the customer' ; s financial transactions (conducting transactions) . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (action information) is classified as being one or more of current or approved content . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (action information) is transmitted during said active session . |
US20040260636A1 CLAIM 1 . A method of recording and perusing financial transaction information (marketing content) comprising the steps of : providing an index generating software program to a financial institution for use on a first computer , the index generating software program being operable to generate a downloadable index of images of cleared checks ; and providing a customer of the financial institution with complementary software for use on a second computer , the complementary software being operable to remotely download the downloadable index of images of cleared checks , together with the images of the cleared checks , and to display the images of the cleared checks . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050073584A1 Filed: 2004-03-09 Issued: 2005-04-07 Cash dispensing automated banking machine with improved fraud detection capabilities (Original Assignee) Diebold Inc (Current Assignee) Diebold Nixdorf Inc Jeffery Enright, Thomas Mason, Dale Blackson, Dean Stewart, Natarajan Ramachandran |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (other imaging) of e-banking touch points are comprised of at least two different types (function key) of e-banking touch point devices (function key) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050073584A1 CLAIM 16 . The method according to claim 14 wherein in (e) the at least one key is a function key (different types, touch point devices) . US20050073584A1 CLAIM 22 . The method according to claim 20 wherein in (f) the at least one action includes capturing image data with another imaging (one plurality) device . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050027649A1 Filed: 2004-02-27 Issued: 2005-02-03 Event typer (Original Assignee) JPMorgan Chase and Co (Current Assignee) JPMorgan Chase and Co Richard Cech |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050027649A1 CLAIM 18 . The system of claim 14 wherein the questions comprise one (comprise one) or more questions regarding the event selected from the group of questions consisting of : who initiated the event , what was the benefit to the initiator , who was impacted , what was the damage to the impacted party , and what was the initiator' ; s role/responsibility regarding the impacted party . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US20050027649A1 CLAIM 11 . The method of claim 1 wherein the computer is programmed to map each answer to a list of possible event types that include one or more of the following event types : theft/fraud , unauthorized trading , information security , personal safety , employee relations , diversity/discrimination , natural disaster , terrorism/political , malicious damage , disclosure suitability & ; fiduciary , improper business practices , tax violation , advisory actions , sponsorship & ; selection , regulatory monitoring/reporting , transaction processing (select transactions) , client account error , system failure , vendor dispute , and event type “unknown” . US20050027649A1 CLAIM 18 . The system of claim 14 wherein the questions comprise one (comprise one) or more questions regarding the event selected from the group of questions consisting of : who initiated the event , what was the benefit to the initiator , who was impacted , what was the damage to the impacted party , and what was the initiator' ; s role/responsibility regarding the impacted party . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050027649A1 CLAIM 18 . The system of claim 14 wherein the questions comprise one (comprise one) or more questions regarding the event selected from the group of questions consisting of : who initiated the event , what was the benefit to the initiator , who was impacted , what was the damage to the impacted party , and what was the initiator' ; s role/responsibility regarding the impacted party . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US20050027649A1 CLAIM 11 . The method of claim 1 wherein the computer is programmed to map each answer to a list of possible event types that include one or more of the following event types : theft/fraud , unauthorized trading , information security , personal safety , employee relations , diversity/discrimination , natural disaster , terrorism/political , malicious damage , disclosure suitability & ; fiduciary , improper business practices , tax violation , advisory actions , sponsorship & ; selection , regulatory monitoring/reporting , transaction processing (select transactions) , client account error , system failure , vendor dispute , and event type “unknown” . US20050027649A1 CLAIM 18 . The system of claim 14 wherein the questions comprise one (comprise one) or more questions regarding the event selected from the group of questions consisting of : who initiated the event , what was the benefit to the initiator , who was impacted , what was the damage to the impacted party , and what was the initiator' ; s role/responsibility regarding the impacted party . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050027649A1 CLAIM 18 . The system of claim 14 wherein the questions comprise one (comprise one) or more questions regarding the event selected from the group of questions consisting of : who initiated the event , what was the benefit to the initiator , who was impacted , what was the damage to the impacted party , and what was the initiator' ; s role/responsibility regarding the impacted party . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US20050027649A1 CLAIM 11 . The method of claim 1 wherein the computer is programmed to map each answer to a list of possible event types that include one or more of the following event types : theft/fraud , unauthorized trading , information security , personal safety , employee relations , diversity/discrimination , natural disaster , terrorism/political , malicious damage , disclosure suitability & ; fiduciary , improper business practices , tax violation , advisory actions , sponsorship & ; selection , regulatory monitoring/reporting , transaction processing (select transactions) , client account error , system failure , vendor dispute , and event type “unknown” . US20050027649A1 CLAIM 18 . The system of claim 14 wherein the questions comprise one (comprise one) or more questions regarding the event selected from the group of questions consisting of : who initiated the event , what was the benefit to the initiator , who was impacted , what was the damage to the impacted party , and what was the initiator' ; s role/responsibility regarding the impacted party . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050192862A1 Filed: 2004-02-27 Issued: 2005-09-01 Methods, systems, and articles of manufacture for providing incentives for a financial account (Original Assignee) Capital One Financial Corp (Current Assignee) Capital One Services LLC Manaw Modi |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (different types) of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . US20050192862A1 CLAIM 18 . The method of claim 17 , wherein the incentive report includes information associated with incentives that may have been applied to the first financial account based on different types (different types) of the predetermined condition . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (when m) , and a monetary amount to be the subject of select transactions (when m) . |
US20050192862A1 CLAIM 16 . The method of claim 1 , wherein the incentive is more attractive to the user when m (select transactions, conducting transactions) ore of the transactions are associated with the first financial account as opposed to the second financial account . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (when m) , and a monetary amount to be the subject of select transactions (when m) . |
US20050192862A1 CLAIM 16 . The method of claim 1 , wherein the incentive is more attractive to the user when m (select transactions, conducting transactions) ore of the transactions are associated with the first financial account as opposed to the second financial account . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (when m) , and a monetary amount to be the subject of select transactions (when m) . |
US20050192862A1 CLAIM 16 . The method of claim 1 , wherein the incentive is more attractive to the user when m (select transactions, conducting transactions) ore of the transactions are associated with the first financial account as opposed to the second financial account . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (action information) is classified as being one or more of current or approved content . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (action information) is transmitted during said active session . |
US20050192862A1 CLAIM 2 . The method of claim 1 , wherein monitoring the transactions includes : collecting , by the first financial account provider , transaction information (marketing content) associated with each of the transactions from at least one of : the user , a merchant associated with a transaction with the user , a server system that collects the transaction information , and the second financial account provider . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20040158549A1 Filed: 2004-02-06 Issued: 2004-08-12 Method and apparatus for online transaction processing (Original Assignee) LAMMINA SYSTEMS Corp (Current Assignee) Google LLC Vladimir Matena, Magnus Eriksson, Jens Jensen |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server (d log) coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040158549A1 CLAIM 76 . The transaction processing system of claim 48 , wherein at least one first execution module includes logic configured to send a checkpoint message to at least one second execution module and log (multi-channel server) ic configured to execute at least a first transaction program , which is configured to maintain at least one item of the transactional state items in a programming-language variable of the transaction program . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
US20040158549A1 CLAIM 39 . A method for processing transaction requests in a transaction processing system including at least one active execution module , at least one backup execution module and a communication module , the method includes the steps of : submitting at least a first and second transaction (select transactions) request from at least one client to the communication module ; modifying the value of a transactional state item with the first transaction (select transactions) , and specifying a read of a value of a transactional state item modified by the first transaction and beginning processing after the first transaction with the second transaction ; processing the first transaction and sending a checkpoint message ; processing the second transaction without sending a response message ; sending the acknowledgement message for the first transaction from the backup execution module to the active execution module ; and sending the response for at least the second transaction from the active the active execution module to the communication module . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server (d log) coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040158549A1 CLAIM 76 . The transaction processing system of claim 48 , wherein at least one first execution module includes logic configured to send a checkpoint message to at least one second execution module and log (multi-channel server) ic configured to execute at least a first transaction program , which is configured to maintain at least one item of the transactional state items in a programming-language variable of the transaction program . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
US20040158549A1 CLAIM 39 . A method for processing transaction requests in a transaction processing system including at least one active execution module , at least one backup execution module and a communication module , the method includes the steps of : submitting at least a first and second transaction (select transactions) request from at least one client to the communication module ; modifying the value of a transactional state item with the first transaction (select transactions) , and specifying a read of a value of a transactional state item modified by the first transaction and beginning processing after the first transaction with the second transaction ; processing the first transaction and sending a checkpoint message ; processing the second transaction without sending a response message ; sending the acknowledgement message for the first transaction from the backup execution module to the active execution module ; and sending the response for at least the second transaction from the active the active execution module to the communication module . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server (d log) , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040158549A1 CLAIM 76 . The transaction processing system of claim 48 , wherein at least one first execution module includes logic configured to send a checkpoint message to at least one second execution module and log (multi-channel server) ic configured to execute at least a first transaction program , which is configured to maintain at least one item of the transactional state items in a programming-language variable of the transaction program . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
US20040158549A1 CLAIM 39 . A method for processing transaction requests in a transaction processing system including at least one active execution module , at least one backup execution module and a communication module , the method includes the steps of : submitting at least a first and second transaction (select transactions) request from at least one client to the communication module ; modifying the value of a transactional state item with the first transaction (select transactions) , and specifying a read of a value of a transactional state item modified by the first transaction and beginning processing after the first transaction with the second transaction ; processing the first transaction and sending a checkpoint message ; processing the second transaction without sending a response message ; sending the acknowledgement message for the first transaction from the backup execution module to the active execution module ; and sending the response for at least the second transaction from the active the active execution module to the communication module . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050102704A1 Filed: 2003-11-07 Issued: 2005-05-12 Multiregional security system integrated with digital video recording and archiving (Original Assignee) Lenel Systems International Inc (Current Assignee) Carrier Fire and Security Americas Corp Rudy Prokupets, Michael Regelski |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (data capture, control system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050102704A1 CLAIM 10 . A security system in multiple geographic regions comprising : a plurality of regions in which each region has an access control system (computer system, computer systems) having a regional server with a regional database storing information for access control in the region , one or more cameras for capturing video data , and one more digital video recorders for storing video data from the cameras ; said regional server in each region having means for receiving events from one or more of an access control system , intrusion detection system , fire system , or information systems ; said regional database in each region stores linking information representing data associating different ones of said events to cameras in the region ; and said regional server in each region having means responsive to receiving one of said events linked to a camera of the region for storing event video information in said regional database for said regional server having data associating the event with the linked camera , in accordance with said linking information in said regional database for said regional server , with data representing a video data storage device for the linked camera , and date and time information related to when the event occurred by which the relevant video data for the event is locatable at the video data storage device . US20050102704A1 CLAIM 17 . A method for archiving video data capture (computer system, computer systems) d in multiple geographic regions having one or more facility protection systems comprising the steps of : providing in each of the regions having a regional server with a regional database , one or more cameras for capturing video data , and one more video recorders for storing video data from the cameras ; receiving event data at the regional server from one or more facility protection systems of the region having information about events occurring in the region ; associating in said regional database different events with different cameras and their associated video recorders ; generating information linking events received by the regional server with video data stored on one of the video recorders and camera in accordance with said first information of said regional database ; archiving video data from the video recorders in each region to at least one regional video archive server in the region ; updating said information linking event with video data to indicate the regional archive server having the linked video data ; archiving video data from the regional video archive server in each region to a master video archive server ; and updating said information linking events with video data to indicated the master archive server as having the linked video data . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (data capture, control system) , wherein each computer system (data capture, control system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050102704A1 CLAIM 10 . A security system in multiple geographic regions comprising : a plurality of regions in which each region has an access control system (computer system, computer systems) having a regional server with a regional database storing information for access control in the region , one or more cameras for capturing video data , and one more digital video recorders for storing video data from the cameras ; said regional server in each region having means for receiving events from one or more of an access control system , intrusion detection system , fire system , or information systems ; said regional database in each region stores linking information representing data associating different ones of said events to cameras in the region ; and said regional server in each region having means responsive to receiving one of said events linked to a camera of the region for storing event video information in said regional database for said regional server having data associating the event with the linked camera , in accordance with said linking information in said regional database for said regional server , with data representing a video data storage device for the linked camera , and date and time information related to when the event occurred by which the relevant video data for the event is locatable at the video data storage device . US20050102704A1 CLAIM 17 . A method for archiving video data capture (computer system, computer systems) d in multiple geographic regions having one or more facility protection systems comprising the steps of : providing in each of the regions having a regional server with a regional database , one or more cameras for capturing video data , and one more video recorders for storing video data from the cameras ; receiving event data at the regional server from one or more facility protection systems of the region having information about events occurring in the region ; associating in said regional database different events with different cameras and their associated video recorders ; generating information linking events received by the regional server with video data stored on one of the video recorders and camera in accordance with said first information of said regional database ; archiving video data from the video recorders in each region to at least one regional video archive server in the region ; updating said information linking event with video data to indicate the regional archive server having the linked video data ; archiving video data from the regional video archive server in each region to a master video archive server ; and updating said information linking events with video data to indicated the master archive server as having the linked video data . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (data capture, control system) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (data storage device) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050102704A1 CLAIM 5 . The security system according to claim 1 wherein one (wherein one) or more of said cameras represents digital-based cameras and one or more of said camera represents IP network digital recorders for receiving video data from said cameras . US20050102704A1 CLAIM 10 . A security system in multiple geographic regions comprising : a plurality of regions in which each region has an access control system (computer system, computer systems) having a regional server with a regional database storing information for access control in the region , one or more cameras for capturing video data , and one more digital video recorders for storing video data from the cameras ; said regional server in each region having means for receiving events from one or more of an access control system , intrusion detection system , fire system , or information systems ; said regional database in each region stores linking information representing data associating different ones of said events to cameras in the region ; and said regional server in each region having means responsive to receiving one of said events linked to a camera of the region for storing event video information in said regional database for said regional server having data associating the event with the linked camera , in accordance with said linking information in said regional database for said regional server , with data representing a video data storage device (data storage device) for the linked camera , and date and time information related to when the event occurred by which the relevant video data for the event is locatable at the video data storage device . US20050102704A1 CLAIM 17 . A method for archiving video data capture (computer system, computer systems) d in multiple geographic regions having one or more facility protection systems comprising the steps of : providing in each of the regions having a regional server with a regional database , one or more cameras for capturing video data , and one more video recorders for storing video data from the cameras ; receiving event data at the regional server from one or more facility protection systems of the region having information about events occurring in the region ; associating in said regional database different events with different cameras and their associated video recorders ; generating information linking events received by the regional server with video data stored on one of the video recorders and camera in accordance with said first information of said regional database ; archiving video data from the video recorders in each region to at least one regional video archive server in the region ; updating said information linking event with video data to indicate the regional archive server having the linked video data ; archiving video data from the regional video archive server in each region to a master video archive server ; and updating said information linking events with video data to indicated the master archive server as having the linked video data . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20040122736A1 Filed: 2003-10-14 Issued: 2004-06-24 System and method for granting promotional rewards to credit account holders (Original Assignee) Bank One Delaware NA (Current Assignee) JPMorgan Chase Bank NA Bradley Strock, Eugene Glavin, Lynn Hooper, Beth Bressler |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (account status, debit account) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . US20040122736A1 CLAIM 20 . The method of claim 1 wherein the reward-earning behavior comprises at least one of : credit or debit card transaction ; accumulating a specific amount of charges ; charging a specific amount ; charging a certain number of transactions ; transacting at a specific location ; paying a balance ; paying interest ; linking with another account ; making a deposit ; making a withdrawal ; drafting a check ; paying a fee for a banking service ; transferring a balance ; issuing a convenience check ; accessing a line of credit ; purchasing from a merchant ; checking and savings account activity ; setting up a recurring payment ; enabling an auto-payment ; paying an annual fee ; paying a rewards fee ; transactions with Bank partners ; transactions with third parties ; brokerage transactions ; purchasing or selling securities ; depositing funds ; transferring holdings from an external account to a Bank account ; transferring a balance ; opening a checking account ; opening a credit or debit account (service coin counter) ; applying for a loan or other credit account ; paying a balance on time ; and maintaining at least a specified minimum balance ; having a specific account balance at a specific time ; having above or below a specific average daily balance ; revolving an account balance ; having an inactive account ; maintaining a type of account balance ; taking a cash advance ; using a convenience check ; and using an account card for identification purposes . US20040122736A1 CLAIM 23 . The method of claim 1 , wherein the promotional reward comprises at least one of : a gift card or other stored value ; and an upgrade in account status (service coin counter) or other recognition . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20040122736A1 CLAIM 20 . The method of claim 1 wherein the reward-earning behavior comprises at least one of : credit or debit card (customer name) transaction ; accumulating a specific amount of charges ; charging a specific amount ; charging a certain number of transactions ; transacting at a specific location ; paying a balance ; paying interest ; linking with another account ; making a deposit ; making a withdrawal ; drafting a check ; paying a fee for a banking service ; transferring a balance ; issuing a convenience check ; accessing a line of credit ; purchasing from a merchant ; checking and savings account activity ; setting up a recurring payment ; enabling an auto-payment ; paying an annual fee ; paying a rewards fee ; transactions with Bank partners ; transactions with third parties ; brokerage transactions ; purchasing or selling securities ; depositing funds ; transferring holdings from an external account to a Bank account ; transferring a balance ; opening a checking account ; opening a credit or debit account ; applying for a loan or other credit account ; paying a balance on time ; and maintaining at least a specified minimum balance ; having a specific account balance at a specific time ; having above or below a specific average daily balance ; revolving an account balance ; having an inactive account ; maintaining a type of account balance ; taking a cash advance ; using a convenience check ; and using an account card for identification purposes . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20040122736A1 CLAIM 20 . The method of claim 1 wherein the reward-earning behavior comprises at least one of : credit or debit card (customer name) transaction ; accumulating a specific amount of charges ; charging a specific amount ; charging a certain number of transactions ; transacting at a specific location ; paying a balance ; paying interest ; linking with another account ; making a deposit ; making a withdrawal ; drafting a check ; paying a fee for a banking service ; transferring a balance ; issuing a convenience check ; accessing a line of credit ; purchasing from a merchant ; checking and savings account activity ; setting up a recurring payment ; enabling an auto-payment ; paying an annual fee ; paying a rewards fee ; transactions with Bank partners ; transactions with third parties ; brokerage transactions ; purchasing or selling securities ; depositing funds ; transferring holdings from an external account to a Bank account ; transferring a balance ; opening a checking account ; opening a credit or debit account ; applying for a loan or other credit account ; paying a balance on time ; and maintaining at least a specified minimum balance ; having a specific account balance at a specific time ; having above or below a specific average daily balance ; revolving an account balance ; having an inactive account ; maintaining a type of account balance ; taking a cash advance ; using a convenience check ; and using an account card for identification purposes . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20040122736A1 CLAIM 20 . The method of claim 1 wherein the reward-earning behavior comprises at least one of : credit or debit card (customer name) transaction ; accumulating a specific amount of charges ; charging a specific amount ; charging a certain number of transactions ; transacting at a specific location ; paying a balance ; paying interest ; linking with another account ; making a deposit ; making a withdrawal ; drafting a check ; paying a fee for a banking service ; transferring a balance ; issuing a convenience check ; accessing a line of credit ; purchasing from a merchant ; checking and savings account activity ; setting up a recurring payment ; enabling an auto-payment ; paying an annual fee ; paying a rewards fee ; transactions with Bank partners ; transactions with third parties ; brokerage transactions ; purchasing or selling securities ; depositing funds ; transferring holdings from an external account to a Bank account ; transferring a balance ; opening a checking account ; opening a credit or debit account ; applying for a loan or other credit account ; paying a balance on time ; and maintaining at least a specified minimum balance ; having a specific account balance at a specific time ; having above or below a specific average daily balance ; revolving an account balance ; having an inactive account ; maintaining a type of account balance ; taking a cash advance ; using a convenience check ; and using an account card for identification purposes . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (action information) is classified as being one or more of current or approved content . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (action information) is transmitted during said active session . |
US20040122736A1 CLAIM 5 . The method of claim 3 , further comprising : determining that the customer is a member of the defined population ; and verifying the promotional reward-earning behavior by processing customer transaction information (marketing content) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20050080737A1 Filed: 2003-09-30 Issued: 2005-04-14 Process and system for converting change from cash sale transactions (paper currency and coins) into electronic format at the point of sale for the immediate electronic transfer and deposit of the converted change into financial accounts and the funding of financial accounts at the point of sale (Original Assignee) Stein Marc F.; Anthony Argiropoulos; Silva Richard Paul Marc Stein, Anthony Argiropoulos, Richard Silva |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (paper currency) (paper currency) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20050080737A1 CLAIM 1 . The process and system for the conversion of cash sale transaction residuals (i . e . change—paper currency (self service coin counter, service coin counter) and coins) into electronic format at the point of sale ; |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US20050080737A1 CLAIM 2 . The process and system for the point of sale conversion of cash sale transaction residuals (i . e . change—paper currency and coins) into electronic format for electronic transfer and deposit into accounts with banks or other financial institutions (select transactions, monetary amount, conducting transactions) ; |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US20050080737A1 CLAIM 2 . The process and system for the point of sale conversion of cash sale transaction residuals (i . e . change—paper currency and coins) into electronic format for electronic transfer and deposit into accounts with banks or other financial institutions (select transactions, monetary amount, conducting transactions) ; |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US20050080737A1 CLAIM 2 . The process and system for the point of sale conversion of cash sale transaction residuals (i . e . change—paper currency and coins) into electronic format for electronic transfer and deposit into accounts with banks or other financial institutions (select transactions, monetary amount, conducting transactions) ; |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20040029630A1 Filed: 2003-07-18 Issued: 2004-02-12 Method and apparatus for operating lotteries and for generating and processing lottery entries (Original Assignee) Walker Asset Management LP; Walker Digital LLC (Current Assignee) Inventor Holdings LLC Jay Walker, Thomas Sparico, James Jorasch |
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| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (calculating step) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (said memory) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040029630A1 CLAIM 7 . Apparatus for operating a lottery , comprising : a processor ; a memory connected to said processor , said memory (data storage device) storing a result of a lottery drawing , and a plurality of stored lottery entries ; said processor operative to (a) identify , if said result corresponds to one of said plurality of stored lottery entries , said one of said plurality of stored lottery entries as a winning lottery entry , (b) identify at least one non-winning lottery entry from said plurality of stored lottery entries , and (c) repeat operations (a) and (b) for at least one result of a subsequent lottery drawing until said at least one non-winning lottery entry is identified as a winning lottery entry . US20040029630A1 CLAIM 52 . A method in accordance with claim 50 wherein said calculating step (wherein one) includes calculating said price based at least in part on a potential payout of a first lottery drawing including said lottery entry . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6850996B2 Filed: 2003-07-07 Issued: 2005-02-01 System and method for enabling transactions between a web server and an automated teller machine over the internet (Original Assignee) Datascape Inc (Current Assignee) WiLAN Technologies Inc Richard Hiers Wagner |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US6850996B2 CLAIM 1 . An automated teller machine (ATM) for implementing financial transactions (conducting transactions) with a server over an open network comprising : a computer having memory and a processor , the computer being coupled to an open network for communication with a server ; at least one non-standard input/output (I/O) device coupled to the computer for performing at least a portion of a financial transaction ; and a computer program in the memory of the computer and executed by the processor for interpreting extended open network protocol statements received over the open network to control the at least one non-standard I/O device to which the computer is coupled . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US6850996B2 CLAIM 1 . An automated teller machine (ATM) for implementing financial transactions (conducting transactions) with a server over an open network comprising : a computer having memory and a processor , the computer being coupled to an open network for communication with a server ; at least one non-standard input/output (I/O) device coupled to the computer for performing at least a portion of a financial transaction ; and a computer program in the memory of the computer and executed by the processor for interpreting extended open network protocol statements received over the open network to control the at least one non-standard I/O device to which the computer is coupled . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US6850996B2 CLAIM 1 . An automated teller machine (ATM) for implementing financial transactions (conducting transactions) with a server over an open network comprising : a computer having memory and a processor , the computer being coupled to an open network for communication with a server ; at least one non-standard input/output (I/O) device coupled to the computer for performing at least a portion of a financial transaction ; and a computer program in the memory of the computer and executed by the processor for interpreting extended open network protocol statements received over the open network to control the at least one non-standard I/O device to which the computer is coupled . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20040006657A1 Filed: 2003-07-07 Issued: 2004-01-08 System and method for enabling transactions between a web server and an automated teller machine over the internet (Original Assignee) Wagner Richard Hiers (Current Assignee) WiLAN Technologies Inc Richard Wagner |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20040006657A1 CLAIM 1 . An automated teller machine (ATM) for implementing financial transactions (conducting transactions) with a server over an open network comprising : a computer having memory and a processor , the computer being coupled to an open network for communication with a server ; at least one non-standard input/output (I/O) device coupled to the computer for performing at least a portion of a financial transaction ; and a computer program the memory of the computer and executed by the processor for interpreting extended open network protocol statements received over the open network to control the at least one non-standard I/O device to which the computer is coupled . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20040006657A1 CLAIM 1 . An automated teller machine (ATM) for implementing financial transactions (conducting transactions) with a server over an open network comprising : a computer having memory and a processor , the computer being coupled to an open network for communication with a server ; at least one non-standard input/output (I/O) device coupled to the computer for performing at least a portion of a financial transaction ; and a computer program the memory of the computer and executed by the processor for interpreting extended open network protocol statements received over the open network to control the at least one non-standard I/O device to which the computer is coupled . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US20040006657A1 CLAIM 1 . An automated teller machine (ATM) for implementing financial transactions (conducting transactions) with a server over an open network comprising : a computer having memory and a processor , the computer being coupled to an open network for communication with a server ; at least one non-standard input/output (I/O) device coupled to the computer for performing at least a portion of a financial transaction ; and a computer program the memory of the computer and executed by the processor for interpreting extended open network protocol statements received over the open network to control the at least one non-standard I/O device to which the computer is coupled . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20040061720A1 Filed: 2003-05-15 Issued: 2004-04-01 Multi-function browser toolbar with method for online institutional administrative browser control (Original Assignee) Matt Weber Matt Weber |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices (based control) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (Internet browser) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20040061720A1 CLAIM 1 . A method for improving online usage by providing a multi-function Internet browser (self service coin counter) toolbar plug-in to be installed in the browser of a Web surfer and comprising : a . a search engine toggle means for toggling select groups of online search engines specializing in a specific field ; b . a portal toggle means for toggling select professional categories of highly structured static business portal content and information uniquely identifying itself ; c . a shopping rewards method means for shopping online and earning shopping rewards directly from the toolbar with the reward amounts calculated and displayed on the said toolbar , d . a resolution detection system means for detecting computer resolutions to display the best toolbar button visual layout automatically upon download ; e . a browser background method means for adding browser backgrounds from a local machine or select determine image files ; f . an access management method means for which access to online accounts can be made with one button click from the aforementioned toolbar , g . a toolbar reinstall method means for account retrieval and installation of new toolbar ; h . a professional browser interface means for a control option to refresh the entire look and feel of the toolbar buttons , images , menus , content , search engines and browser background to meet the demands of specific given fields . US20040061720A1 CLAIM 2 . a system for a Web-based toolbar control module comprising : a . an online Web-based control (touch point devices) module system means for which an organization can control and manage the aforementioned toolbar button names , menu names , button images , and browser background images and search engines for a group or community of unlimited users ; b . an online Web-based community of registered users control module supporting the aforementioned administrative control module means for monitor and controlling the registered user accounts . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20030164398A1 Filed: 2003-03-27 Issued: 2003-09-04 Method and apparatus for determining whether a verbal message was spoken during a transaction at a point-of-sale terminal (Original Assignee) Walker Jay S.; Van Luchene Andrew S.; Tedesco Daniel E.; Dickerson John B. Jay Walker, Andrew Van Luchene, Daniel Tedesco, John Dickerson |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (data storage device) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . US20030164398A1 CLAIM 41 . An apparatus for determining whether a verbal message was spoken during a transaction at a point-of-sale terminal , comprising : a processor ; a data storage device (data storage device) in communication with the processor ; and a microphone in communication with the processor ; the data storage device storing a program , the processor operative with the program to : receive transaction data indicating an item to purchase ; receive an audio signal via the microphone from an operator of a point-of-sale terminal ; and determine whether the audio signal satisfies a predetermined criterion . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (action information) is classified as being one or more of current or approved content . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (action information) is transmitted during said active session . |
US20030164398A1 CLAIM 23 . The method of claim 9 , further comprising : determining transaction information (marketing content) from the audio signal . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20030204460A1 Filed: 2003-03-19 Issued: 2003-10-30 Data collection and transaction initiation using a financial messaging protocol (Original Assignee) Rodney Robinson; Stephen Zorn (Current Assignee) Intuit Inc ; Teknowledge Corp Rodney Robinson, Stephen Zorn |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server (d log) coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (Internet browser) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser (self service coin counter) protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log (multi-channel server) information . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, specific information) . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution (transaction machine, customer profile, customer name) ' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information (transaction machine, customer profile, customer name) from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log information . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, specific information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution (transaction machine, customer profile, customer name) ' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information (transaction machine, customer profile, customer name) from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log information . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server (d log) coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log (multi-channel server) information . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, specific information) . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution (transaction machine, customer profile, customer name) ' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information (transaction machine, customer profile, customer name) from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log information . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, specific information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution (transaction machine, customer profile, customer name) ' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information (transaction machine, customer profile, customer name) from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log information . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server (d log) , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log (multi-channel server) information . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, specific information) . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution (transaction machine, customer profile, customer name) ' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information (transaction machine, customer profile, customer name) from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log information . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, specific information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20030204460A1 CLAIM 1 . A system for providing financial account information to a personal financial manager client utilizing the financial institution (transaction machine, customer profile, customer name) ' ; s existing online Internet application , comprising : a . a Web Agent to communicate with a financial messaging protocol server ; b . a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods ; c . an HTML Parser that parses the online financial application web pages , extracts specific information (transaction machine, customer profile, customer name) from fields , and normalize the field values to consistent formats ; d . an institution access script with instructions on how to access the online financial application web site , navigate the online financial application web pages , and locate specific fields with required information ; and e . a database that contains a consumer profile and can contain account information such as balance , transaction history , positions , open market orders , access credentials , and log information . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6805287B2 Filed: 2002-09-12 Issued: 2004-10-19 System and method for converting a stored value card to a credit card (Original Assignee) American Express Travel Related Services Co Inc (Current Assignee) Liberty Peak Ventures LLC Fred Bishop, Trey Neemann, David Armes |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (online communication) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6805287B2 CLAIM 8 . The method of claim 6 , wherein said conversion interface facilitates online communication (service coin counter) between said customer and said host . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US6805287B2 CLAIM 18 . The method of claim 15 , wherein said first transaction account number is permanently associated with a first transaction instrument comprising a physical device configured for facilitating financial transactions (conducting transactions) . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US6805287B2 CLAIM 18 . The method of claim 15 , wherein said first transaction account number is permanently associated with a first transaction instrument comprising a physical device configured for facilitating financial transactions (conducting transactions) . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US6805287B2 CLAIM 18 . The method of claim 15 , wherein said first transaction account number is permanently associated with a first transaction instrument comprising a physical device configured for facilitating financial transactions (conducting transactions) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20030212762A1 Filed: 2002-05-08 Issued: 2003-11-13 Delivery system and method for uniform display of supplemental content (Original Assignee) You Networks Inc (Current Assignee) YOU SOFTWARE Inc DBA ATTENSA ; Attensa Inc Craig Barnes, Eric Hayes |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (monitoring data) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote (storage location) from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices (display panel) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030212762A1 CLAIM 8 . The method of claim 1 , wherein the supplemental content is formatted into a standardized display panel (touch point devices) . US20030212762A1 CLAIM 14 . The method of claim 1 , wherein the step of detecting the unique identifier includes : monitoring data (computer system) transmitted to the end user over the data communications network , the data including a bit sequence representing the digital content substrate ; determining a candidate unique identifier by applying a checksum procedure to the bit sequence ; and matching the candidate unique identifier to the unique identifier determined for the digital content substrate . US20030212762A1 CLAIM 17 . The method of claim 1 , further comprising the step of : responsive to the detection of the unique identifier , transparently storing the supplemental content in a memory storage location (locations remote) for a display system of the end user ; and wherein said delivering the supplemental content includes reading the supplemental content from the memory storage location and displaying the supplemental content via the display system . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (monitoring data) is associated with a financial institution , said e-banking touch points being provided in locations remote (storage location) from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030212762A1 CLAIM 14 . The method of claim 1 , wherein the step of detecting the unique identifier includes : monitoring data (computer system) transmitted to the end user over the data communications network , the data including a bit sequence representing the digital content substrate ; determining a candidate unique identifier by applying a checksum procedure to the bit sequence ; and matching the candidate unique identifier to the unique identifier determined for the digital content substrate . US20030212762A1 CLAIM 17 . The method of claim 1 , further comprising the step of : responsive to the detection of the unique identifier , transparently storing the supplemental content in a memory storage location (locations remote) for a display system of the end user ; and wherein said delivering the supplemental content includes reading the supplemental content from the memory storage location and displaying the supplemental content via the display system . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6745938B2 Filed: 2002-03-25 Issued: 2004-06-08 System and methods for card payment instrument with rebate applied to an insurance premium (Original Assignee) Bank One Delaware NA (Current Assignee) Chase Bank USA NA Kevin Sullivan |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (payment system) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6745938B2 CLAIM 1 . A method of rewarding usage of a credit or debit instrument , comprising : monitoring cardholder usage of a credit or debit card (customer name) issued by a first party comprising a card issuer ; computing a measure based on the monitored usage that is redeemable with a second party comprising an insurance entity ; redeeming the measure to provide the cardholder with value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance entity . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (payment system) is classified as being one or more of current or approved content . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (payment system) during said active session . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (payment system) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6745938B2 CLAIM 1 . A method of rewarding usage of a credit or debit instrument , comprising : monitoring cardholder usage of a credit or debit card (customer name) issued by a first party comprising a card issuer ; computing a measure based on the monitored usage that is redeemable with a second party comprising an insurance entity ; redeeming the measure to provide the cardholder with value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance entity . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (payment system) is classified as being one or more of current or approved content . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (payment system) during said active session . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (payment system) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6745938B2 CLAIM 1 . A method of rewarding usage of a credit or debit instrument , comprising : monitoring cardholder usage of a credit or debit card (customer name) issued by a first party comprising a card issuer ; computing a measure based on the monitored usage that is redeemable with a second party comprising an insurance entity ; redeeming the measure to provide the cardholder with value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance entity . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (payment system) is classified as being one or more of current or approved content . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (payment system) is transmitted during said active session . |
US6745938B2 CLAIM 11 . A card based payment system (marketing content) for rewarding conduct with respect to a first party by providing value with respect to a second party , comprising : a credit or debit card issued by a card issuer to a cardholder ; a card issuer system for processing transactions and computing a measure based on card usage that is redeemable with an insurance concern ; an insurance concern system for redeeming the measure to provide value applicable to an existing insurance account associated with the cardholder ; thereby rewarding conduct with respect to the first party comprising a card issuer by providing value that encourages conduct with respect to the second party comprising the insurance concern . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20020120582A1 Filed: 2002-03-04 Issued: 2002-08-29 Method for establishing an electronic commerce account (Original Assignee) ONTAIN Corp (Current Assignee) Cardant Holdings Ltd Stephen Elston, Brent Bolleman, Barry Smith, Kevin Brown, Jeri Goldberg, David Edelstein |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (debit account) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20020120582A1 CLAIM 10 . The method of claim 9 wherein said means of payment or payment credential is an electronic payment credential selected from the group comprising : credit card , debit card , electronically stored credit account information , electronically stored debit account (service coin counter) information . US20020120582A1 CLAIM 19 . A remote ordering system for use by at least one customer in placing an order for fulfillment at one of a plurality of affiliated merchants , said merchants operating a plurality of different merchant locations , comprising one or more servers for receiving and processing an order from said customer , said order identifying a specific one of said merchant locations for fulfillment of said order , and for transmitting said order to said specific one of said merchant locations for fulfillment by said specific merchant location , and a database associated with said one or more servers , said database (wireless device) comprising information specific to each of said merchant locations . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20020120582A1 CLAIM 10 . The method of claim 9 wherein said means of payment or payment credential is an electronic payment credential selected from the group comprising : credit card , debit card (customer name) , electronically stored credit account information , electronically stored debit account information . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20020120582A1 CLAIM 19 . A remote ordering system for use by at least one customer in placing an order for fulfillment at one of a plurality of affiliated merchants , said merchants operating a plurality of different merchant locations , comprising one or more servers for receiving and processing an order from said customer , said order identifying a specific one of said merchant locations for fulfillment of said order , and for transmitting said order to said specific one of said merchant locations for fulfillment by said specific merchant location , and a database associated with said one or more servers , said database (wireless device) comprising information specific to each of said merchant locations . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20020120582A1 CLAIM 10 . The method of claim 9 wherein said means of payment or payment credential is an electronic payment credential selected from the group comprising : credit card , debit card (customer name) , electronically stored credit account information , electronically stored debit account information . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20020120582A1 CLAIM 19 . A remote ordering system for use by at least one customer in placing an order for fulfillment at one of a plurality of affiliated merchants , said merchants operating a plurality of different merchant locations , comprising one or more servers for receiving and processing an order from said customer , said order identifying a specific one of said merchant locations for fulfillment of said order , and for transmitting said order to said specific one of said merchant locations for fulfillment by said specific merchant location , and a database associated with said one or more servers , said database (wireless device) comprising information specific to each of said merchant locations . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20020120582A1 CLAIM 10 . The method of claim 9 wherein said means of payment or payment credential is an electronic payment credential selected from the group comprising : credit card , debit card (customer name) , electronically stored credit account information , electronically stored debit account information . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20030163403A1 Filed: 2002-02-01 Issued: 2003-08-28 Method and system for providing a weighted average aggregated accounts report (Original Assignee) UBS PaineWebber Inc (Current Assignee) UBS Financial Services Inc Kitty Chen, Elizabeth Pedersen, Billy Hung |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote (more process) from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030163403A1 CLAIM 9 . A computer-readable medium upon which is embodied a set of programmed instructions that cause one or more process (locations remote) ors to perform a sequence of steps , said steps comprising : receiving investment account information for at least one investment from one or more account providers using a communications network , wherein the investment account information includes a number of investment shares held and price per share for each investment ; storing the investment account information in a database ; calculating a percentage of holdings value for each investment based on the fraction of the number of investment shares present at each account provider as specified by the investment account information ; calculating a total estimated market value for each investment based on the number of investment shares held and the price per share for each investment at each account provider as specified by the investment account information ; calculating a weighted average price for each investment ; generating a weighted average report for each investment , the weighted average report including the percentage of holdings value , the total estimated market value , and the weighted average price ; and outputting the weighted average report to a client terminal via a communications network in response to a request received from the client terminal . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (database server) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20030163403A1 CLAIM 5 . A data aggregation system for calculating and reporting a weighted average value for investments held by an investor at more than one account provider , comprising : a database containing client account data , the client account data including investment data ; a database server (customer name) operably coupled to the database and configured to retrieve and store the client account data in accordance with a sequence of programmed instructions ; a web server operably coupled to the database server , wherein the web server has a communications interface to at least one communications network , wherein the web server is configured to calculate a weighted average value using the investment data , and wherein the web server is configured to generate at least one report including said weighted average value ; an application server operably coupled to the web server and the database server , wherein the application server has an interface to the at least one communications network ; and at least one client terminal coupled to the web server via the communications network , wherein the client terminal is configured to access the at least one report from the web server . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote (more process) from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20030163403A1 CLAIM 9 . A computer-readable medium upon which is embodied a set of programmed instructions that cause one or more process (locations remote) ors to perform a sequence of steps , said steps comprising : receiving investment account information for at least one investment from one or more account providers using a communications network , wherein the investment account information includes a number of investment shares held and price per share for each investment ; storing the investment account information in a database ; calculating a percentage of holdings value for each investment based on the fraction of the number of investment shares present at each account provider as specified by the investment account information ; calculating a total estimated market value for each investment based on the number of investment shares held and the price per share for each investment at each account provider as specified by the investment account information ; calculating a weighted average price for each investment ; generating a weighted average report for each investment , the weighted average report including the percentage of holdings value , the total estimated market value , and the weighted average price ; and outputting the weighted average report to a client terminal via a communications network in response to a request received from the client terminal . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (database server) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20030163403A1 CLAIM 5 . A data aggregation system for calculating and reporting a weighted average value for investments held by an investor at more than one account provider , comprising : a database containing client account data , the client account data including investment data ; a database server (customer name) operably coupled to the database and configured to retrieve and store the client account data in accordance with a sequence of programmed instructions ; a web server operably coupled to the database server , wherein the web server has a communications interface to at least one communications network , wherein the web server is configured to calculate a weighted average value using the investment data , and wherein the web server is configured to generate at least one report including said weighted average value ; an application server operably coupled to the web server and the database server , wherein the application server has an interface to the at least one communications network ; and at least one client terminal coupled to the web server via the communications network , wherein the client terminal is configured to access the at least one report from the web server . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (database server) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US20030163403A1 CLAIM 5 . A data aggregation system for calculating and reporting a weighted average value for investments held by an investor at more than one account provider , comprising : a database containing client account data , the client account data including investment data ; a database server (customer name) operably coupled to the database and configured to retrieve and store the client account data in accordance with a sequence of programmed instructions ; a web server operably coupled to the database server , wherein the web server has a communications interface to at least one communications network , wherein the web server is configured to calculate a weighted average value using the investment data , and wherein the web server is configured to generate at least one report including said weighted average value ; an application server operably coupled to the web server and the database server , wherein the application server has an interface to the at least one communications network ; and at least one client terminal coupled to the web server via the communications network , wherein the client terminal is configured to access the at least one report from the web server . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20030084046A1 Filed: 2001-10-25 Issued: 2003-05-01 Versatile database interface system (Original Assignee) ABM Systems Ltd (Current Assignee) ABM Systems Ltd Jarrod Rogers, Mamta Patel |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (more service) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (access points) to be the subject of select transactions . |
US20030084046A1 CLAIM 19 . A method of enabling remote client access to a database service through any one of a plurality of access points (monetary amount) (AP) supported by one or more service (customer name) providers , the method comprising , upon successful authentication of a client using an AP , steps of : accessing respective screen data associated with the client ; and using the accessed screen data to control display of database service information on a monitor of the AP ; whereby the client is presented with a consistent user interface display , independent of the service provider supporting the AP . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (more service) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (access points) to be the subject of select transactions . |
US20030084046A1 CLAIM 19 . A method of enabling remote client access to a database service through any one of a plurality of access points (monetary amount) (AP) supported by one or more service (customer name) providers , the method comprising , upon successful authentication of a client using an AP , steps of : accessing respective screen data associated with the client ; and using the accessed screen data to control display of database service information on a monitor of the AP ; whereby the client is presented with a consistent user interface display , independent of the service provider supporting the AP . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (more service) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (access points) to be the subject of select transactions . |
US20030084046A1 CLAIM 19 . A method of enabling remote client access to a database service through any one of a plurality of access points (monetary amount) (AP) supported by one or more service (customer name) providers , the method comprising , upon successful authentication of a client using an AP , steps of : accessing respective screen data associated with the client ; and using the accessed screen data to control display of database service information on a monitor of the AP ; whereby the client is presented with a consistent user interface display , independent of the service provider supporting the AP . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6771290B1 Filed: 2001-04-11 Issued: 2004-08-03 Computer interface method and apparatus with portable network organization system and targeted advertising (Original Assignee) B E Tech LLC (Current Assignee) B E Tech LLC Martin David Hoyle |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server (d log) coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6771290B1 CLAIM 1 . A computer-readable memory for use by a client computer to provide a user of the computer with an integrated , customized , graphical user interface to a plurality of computer resources , the computer-readable memory comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format ; said program being operable upon execution to display a graphical user interface comprising an application window separated into a number of regions , a first one of said regions including a number of graphical objects , at least some of which are each representative of a different software application and are selectable by the user via an input device , wherein said program is operable upon selection of one of said graphical objects to initiate execution of the software application associated therewith ; a second one of said regions including a number of user-selectable items , at least some of which are each associated with a different data set , said data sets each comprising a number of links to different information resources , wherein said program is operable in response to selection of at least one of said items to provide the user with access to its associated data set ; said program including a login module that is operable upon execution to identify the user of the computer ; and said program being operable following execution of said log (multi-channel server) in module to provide an identification of the user to the server and to receive from the server a user profile containing one or more user data sets and user links to information resources , with said program further being operable to display in one of said regions a user-selectable item for each of said user data sets and each of said user links . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (user profiles) . |
US6771290B1 CLAIM 2 . A computer-readable memory for use by a client computer in conjunction with a server that is accessible by the client computer via a network , the server storing a user profile and user library for each of a number of different users , with the user library containing one or more files and the user profile containing at least one user link that provides a , link to one of the files in the user library , the computer-readable memory comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format ; said program being operable upon execution to display a graphical user interface comprising an application window having a number of user-selectable items displayed therein , wherein each of said items has associated with it a link to an information resource accessible via the network and wherein said program is operable upon execution and in response to selection by a user of one of said items to access the associated information resource over the network ; said program being operable upon execution to receive from server one of the user profiles (customer profile) and to display a user-selectable item for user links contained within the user profile , said program further being operable in response to selection by a user of one of the user links to access the file associated with the selected user link from the user library associated with the received user profile . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server (d log) coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6771290B1 CLAIM 1 . A computer-readable memory for use by a client computer to provide a user of the computer with an integrated , customized , graphical user interface to a plurality of computer resources , the computer-readable memory comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format ; said program being operable upon execution to display a graphical user interface comprising an application window separated into a number of regions , a first one of said regions including a number of graphical objects , at least some of which are each representative of a different software application and are selectable by the user via an input device , wherein said program is operable upon selection of one of said graphical objects to initiate execution of the software application associated therewith ; a second one of said regions including a number of user-selectable items , at least some of which are each associated with a different data set , said data sets each comprising a number of links to different information resources , wherein said program is operable in response to selection of at least one of said items to provide the user with access to its associated data set ; said program including a login module that is operable upon execution to identify the user of the computer ; and said program being operable following execution of said log (multi-channel server) in module to provide an identification of the user to the server and to receive from the server a user profile containing one or more user data sets and user links to information resources , with said program further being operable to display in one of said regions a user-selectable item for each of said user data sets and each of said user links . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (user profiles) . |
US6771290B1 CLAIM 2 . A computer-readable memory for use by a client computer in conjunction with a server that is accessible by the client computer via a network , the server storing a user profile and user library for each of a number of different users , with the user library containing one or more files and the user profile containing at least one user link that provides a , link to one of the files in the user library , the computer-readable memory comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format ; said program being operable upon execution to display a graphical user interface comprising an application window having a number of user-selectable items displayed therein , wherein each of said items has associated with it a link to an information resource accessible via the network and wherein said program is operable upon execution and in response to selection by a user of one of said items to access the associated information resource over the network ; said program being operable upon execution to receive from server one of the user profiles (customer profile) and to display a user-selectable item for user links contained within the user profile , said program further being operable in response to selection by a user of one of the user links to access the file associated with the selected user link from the user library associated with the received user profile . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server (d log) , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (data storage device) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6771290B1 CLAIM 1 . A computer-readable memory for use by a client computer to provide a user of the computer with an integrated , customized , graphical user interface to a plurality of computer resources , the computer-readable memory comprising : a non-volatile data storage device (data storage device) ; a program stored on said non-volatile data storage device in a computer-readable format ; said program being operable upon execution to display a graphical user interface comprising an application window separated into a number of regions , a first one of said regions including a number of graphical objects , at least some of which are each representative of a different software application and are selectable by the user via an input device , wherein said program is operable upon selection of one of said graphical objects to initiate execution of the software application associated therewith ; a second one of said regions including a number of user-selectable items , at least some of which are each associated with a different data set , said data sets each comprising a number of links to different information resources , wherein said program is operable in response to selection of at least one of said items to provide the user with access to its associated data set ; said program including a login module that is operable upon execution to identify the user of the computer ; and said program being operable following execution of said log (multi-channel server) in module to provide an identification of the user to the server and to receive from the server a user profile containing one or more user data sets and user links to information resources , with said program further being operable to display in one of said regions a user-selectable item for each of said user data sets and each of said user links . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (user profiles) . |
US6771290B1 CLAIM 2 . A computer-readable memory for use by a client computer in conjunction with a server that is accessible by the client computer via a network , the server storing a user profile and user library for each of a number of different users , with the user library containing one or more files and the user profile containing at least one user link that provides a , link to one of the files in the user library , the computer-readable memory comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format ; said program being operable upon execution to display a graphical user interface comprising an application window having a number of user-selectable items displayed therein , wherein each of said items has associated with it a link to an information resource accessible via the network and wherein said program is operable upon execution and in response to selection by a user of one of said items to access the associated information resource over the network ; said program being operable upon execution to receive from server one of the user profiles (customer profile) and to display a user-selectable item for user links contained within the user profile , said program further being operable in response to selection by a user of one of the user links to access the file associated with the selected user link from the user library associated with the received user profile . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20020052841A1 Filed: 2001-04-10 Issued: 2002-05-02 Electronic payment system (Original Assignee) Brodia Group (Current Assignee) Brodia Group Paul Guthrie, Ronald Martinez, Kimo Crossman, Matthew McEachen |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (electronic wallet, debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions, transaction processing) , and a monetary amount (financial institutions, transaction processing) to be the subject of select transactions (financial institutions, transaction processing) . |
US20020052841A1 CLAIM 10 . A method for facilitating payments over a computer network , the computer network carrying and routing data between computers connected thereto , the computers including at least one server facilitating payments and at least one client computer associated with one or more users , the method comprising the steps of : (a) receiving , at the server , a payment request from a first user ; wherein the payment request designates a payment amount , a payment source , and an intended recipient ; (b) clearing funds required for the payment request ; and , (c) offering the intended recipient the funds in a pre-paid debit card (customer name) account . US20020052841A1 CLAIM 11 . The method of claim 10 wherein the server is operably connected to a plurality of financial institutions (select transactions, monetary amount, conducting transactions) via at least one payment transaction processing (select transactions, monetary amount, conducting transactions) network ; wherein the payment source is a credit/debit card account with one of said financial institutions ; and wherein the clearing step (b) comprises the steps of : (b1) transmitting a debit authorization request over a payment transaction processing network to the financial institution corresponding to the credit card account in the payment request ; (b2) receiving a response to the debit authorization request ; (b3) transmitting a settlement request , if the response indicates approval of the debit authorization request . US20020052841A1 CLAIM 19 . The method of claim 10 wherein the offering step (c) comprises the steps of (c1) offering the intended recipient electronic wallet (customer name) services , wherein the electronic wallet services include a financial account with the funds cleared in step (b) . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (electronic wallet, debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions, transaction processing) , and a monetary amount (financial institutions, transaction processing) to be the subject of select transactions (financial institutions, transaction processing) . |
US20020052841A1 CLAIM 10 . A method for facilitating payments over a computer network , the computer network carrying and routing data between computers connected thereto , the computers including at least one server facilitating payments and at least one client computer associated with one or more users , the method comprising the steps of : (a) receiving , at the server , a payment request from a first user ; wherein the payment request designates a payment amount , a payment source , and an intended recipient ; (b) clearing funds required for the payment request ; and , (c) offering the intended recipient the funds in a pre-paid debit card (customer name) account . US20020052841A1 CLAIM 11 . The method of claim 10 wherein the server is operably connected to a plurality of financial institutions (select transactions, monetary amount, conducting transactions) via at least one payment transaction processing (select transactions, monetary amount, conducting transactions) network ; wherein the payment source is a credit/debit card account with one of said financial institutions ; and wherein the clearing step (b) comprises the steps of : (b1) transmitting a debit authorization request over a payment transaction processing network to the financial institution corresponding to the credit card account in the payment request ; (b2) receiving a response to the debit authorization request ; (b3) transmitting a settlement request , if the response indicates approval of the debit authorization request . US20020052841A1 CLAIM 19 . The method of claim 10 wherein the offering step (c) comprises the steps of (c1) offering the intended recipient electronic wallet (customer name) services , wherein the electronic wallet services include a financial account with the funds cleared in step (b) . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (electronic wallet, debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions, transaction processing) , and a monetary amount (financial institutions, transaction processing) to be the subject of select transactions (financial institutions, transaction processing) . |
US20020052841A1 CLAIM 10 . A method for facilitating payments over a computer network , the computer network carrying and routing data between computers connected thereto , the computers including at least one server facilitating payments and at least one client computer associated with one or more users , the method comprising the steps of : (a) receiving , at the server , a payment request from a first user ; wherein the payment request designates a payment amount , a payment source , and an intended recipient ; (b) clearing funds required for the payment request ; and , (c) offering the intended recipient the funds in a pre-paid debit card (customer name) account . US20020052841A1 CLAIM 11 . The method of claim 10 wherein the server is operably connected to a plurality of financial institutions (select transactions, monetary amount, conducting transactions) via at least one payment transaction processing (select transactions, monetary amount, conducting transactions) network ; wherein the payment source is a credit/debit card account with one of said financial institutions ; and wherein the clearing step (b) comprises the steps of : (b1) transmitting a debit authorization request over a payment transaction processing network to the financial institution corresponding to the credit card account in the payment request ; (b2) receiving a response to the debit authorization request ; (b3) transmitting a settlement request , if the response indicates approval of the debit authorization request . US20020052841A1 CLAIM 19 . The method of claim 10 wherein the offering step (c) comprises the steps of (c1) offering the intended recipient electronic wallet (customer name) services , wherein the electronic wallet services include a financial account with the funds cleared in step (b) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US20020032655A1 Filed: 2001-03-19 Issued: 2002-03-14 System and method for providing financial services terminals with a document driven interface (Original Assignee) EURONET SERVICE Inc (Current Assignee) EURONET SERVICE Inc Thierry Antonin, Todd Shutts |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points (starting point) and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20020032655A1 CLAIM 16 . A method of preparing a terminal for providing a plurality of financial transactions through a client/server architecture , comprising the steps of : providing a core application for overseeing the operation of at least one financial services terminal ; defining a terminal configuration for a financial services terminal ; configuring the financial services terminal for secure communication with a server system ; defining a plurality of interface documents for providing access to the plurality of financial transactions through the financial services terminal ; and defining a location for a start document , the start document being one of the plurality of interface documents , related to the other interface documents by directors in the plurality of interface documents , and providing a starting point (touch points) for an interface application in the financial services terminal . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (starting point) , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions (transaction processing) . |
US20020032655A1 CLAIM 1 . A system for providing a plurality of financial transactions (conducting transactions) through a financial services terminal , comprising : an interface application for the financial services terminal ; an object server module in communication with the interface application ; a plurality of transaction modules for receiving at least one component request through the object server module , overseeing execution of transaction processing (select transactions) , and returning a component response to the interface application through the object server ; and , a plurality of interface documents accessible to the interface application for the financial services terminal , each of the plurality of interface documents including at least one component for calling the plurality of transaction modules . US20020032655A1 CLAIM 16 . A method of preparing a terminal for providing a plurality of financial transactions through a client/server architecture , comprising the steps of : providing a core application for overseeing the operation of at least one financial services terminal ; defining a terminal configuration for a financial services terminal ; configuring the financial services terminal for secure communication with a server system ; defining a plurality of interface documents for providing access to the plurality of financial transactions through the financial services terminal ; and defining a location for a start document , the start document being one of the plurality of interface documents , related to the other interface documents by directors in the plurality of interface documents , and providing a starting point (touch points) for an interface application in the financial services terminal . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points (starting point) and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20020032655A1 CLAIM 16 . A method of preparing a terminal for providing a plurality of financial transactions through a client/server architecture , comprising the steps of : providing a core application for overseeing the operation of at least one financial services terminal ; defining a terminal configuration for a financial services terminal ; configuring the financial services terminal for secure communication with a server system ; defining a plurality of interface documents for providing access to the plurality of financial transactions through the financial services terminal ; and defining a location for a start document , the start document being one of the plurality of interface documents , related to the other interface documents by directors in the plurality of interface documents , and providing a starting point (touch points) for an interface application in the financial services terminal . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (starting point) , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions (transaction processing) . |
US20020032655A1 CLAIM 1 . A system for providing a plurality of financial transactions (conducting transactions) through a financial services terminal , comprising : an interface application for the financial services terminal ; an object server module in communication with the interface application ; a plurality of transaction modules for receiving at least one component request through the object server module , overseeing execution of transaction processing (select transactions) , and returning a component response to the interface application through the object server ; and , a plurality of interface documents accessible to the interface application for the financial services terminal , each of the plurality of interface documents including at least one component for calling the plurality of transaction modules . US20020032655A1 CLAIM 16 . A method of preparing a terminal for providing a plurality of financial transactions through a client/server architecture , comprising the steps of : providing a core application for overseeing the operation of at least one financial services terminal ; defining a terminal configuration for a financial services terminal ; configuring the financial services terminal for secure communication with a server system ; defining a plurality of interface documents for providing access to the plurality of financial transactions through the financial services terminal ; and defining a location for a start document , the start document being one of the plurality of interface documents , related to the other interface documents by directors in the plurality of interface documents , and providing a starting point (touch points) for an interface application in the financial services terminal . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points (starting point) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US20020032655A1 CLAIM 16 . A method of preparing a terminal for providing a plurality of financial transactions through a client/server architecture , comprising the steps of : providing a core application for overseeing the operation of at least one financial services terminal ; defining a terminal configuration for a financial services terminal ; configuring the financial services terminal for secure communication with a server system ; defining a plurality of interface documents for providing access to the plurality of financial transactions through the financial services terminal ; and defining a location for a start document , the start document being one of the plurality of interface documents , related to the other interface documents by directors in the plurality of interface documents , and providing a starting point (touch points) for an interface application in the financial services terminal . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (starting point) , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions (transaction processing) . |
US20020032655A1 CLAIM 1 . A system for providing a plurality of financial transactions (conducting transactions) through a financial services terminal , comprising : an interface application for the financial services terminal ; an object server module in communication with the interface application ; a plurality of transaction modules for receiving at least one component request through the object server module , overseeing execution of transaction processing (select transactions) , and returning a component response to the interface application through the object server ; and , a plurality of interface documents accessible to the interface application for the financial services terminal , each of the plurality of interface documents including at least one component for calling the plurality of transaction modules . US20020032655A1 CLAIM 16 . A method of preparing a terminal for providing a plurality of financial transactions through a client/server architecture , comprising the steps of : providing a core application for overseeing the operation of at least one financial services terminal ; defining a terminal configuration for a financial services terminal ; configuring the financial services terminal for secure communication with a server system ; defining a plurality of interface documents for providing access to the plurality of financial transactions through the financial services terminal ; and defining a location for a start document , the start document being one of the plurality of interface documents , related to the other interface documents by directors in the plurality of interface documents , and providing a starting point (touch points) for an interface application in the financial services terminal . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6925493B1 Filed: 2000-11-17 Issued: 2005-08-02 System use internal service level language including formula to compute service level value for analyzing and coordinating service level agreements for application service providers (Original Assignee) Oblicore Ltd (Current Assignee) CA Inc Arye Barkan, Aviv Freidin, Lior Musman, Noam Rotem, Dror Treves, Gal Baram, Sharon Wagner |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6925493B1 CLAIM 2 . The system of claim 1 , further comprising a security layer for securing data generated by said database (wireless device) module , said engine module and said management module . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6925493B1 CLAIM 2 . The system of claim 1 , further comprising a security layer for securing data generated by said database (wireless device) module , said engine module and said management module . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6925493B1 CLAIM 2 . The system of claim 1 , further comprising a security layer for securing data generated by said database (wireless device) module , said engine module and said management module . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | JP2001195654A Filed: 2000-11-16 Issued: 2001-07-19 無人のモジュラーキオスクを介して安全な双方向性サービスを提供する方法、システム、および装置 (Original Assignee) Citicorp Dev Center Inc; シティコープ デヴェロップメント センター，インコーポレイテッド Douglas W Caruthers, Cuong D Do, Carol J Rizzo, Paul D Witman, ジェイ リッツォ キャロル, ダヴリュー カルーサー ダグラス, ディー ドー チュオン, ディー ウィットマン ポール |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking (小切手) environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points (データ入力) and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (のデータ) of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JP2001195654A CLAIM 12 【請求項１２】 前記追加のサービスが、小切手 (unified electronic banking, unified electronic banking system) の現金 化、現金の預入れ、および現金をおろすこと、からなる 一群から選択されるサービスを含んでなることを特徴と する、請求項５の方法。 JP2001195654A CLAIM 19 【請求項１９】 双方向性のサービスを提供するキオス クであって、スタンドアローン・オペレーションが可能 な中央マルチメディア・モジュールと、 少なくとも一つのオプショナルモジュールと、 前記中央マルチメディア・モジュールと前記少なくとも １つのオプショナルモジュールとの間でデータの無線送 信する無線電話機（トランシーバー）とを備えてなり、 前記キオスクが、前記マルチメディア・モジュールと前 記少なくとも１つのオプショナルモジュールとのデータ (one plurality) 送信によりユーザーに追加のサービスを提供するように したことを特徴とするキオスク。 JP2001195654A CLAIM 25 【請求項２５】 少なくとも１つのシート面と、 視覚表示装置と、 データ入力 (touch points) 装置と、 音声入力装置と、 音声出力装置と、 メディア・入力／挿入装置と、 メディア・ディスペンス装置と、 処理装置とからなることを特徴とする、請求項１９のキ オスク。 |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (データ入力) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
JP2001195654A CLAIM 25 【請求項２５】 少なくとも１つのシート面と、 視覚表示装置と、 データ入力 (touch points) 装置と、 音声入力装置と、 音声出力装置と、 メディア・入力／挿入装置と、 メディア・ディスペンス装置と、 処理装置とからなることを特徴とする、請求項１９のキ オスク。 |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking (小切手) environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points (データ入力) and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JP2001195654A CLAIM 12 【請求項１２】 前記追加のサービスが、小切手 (unified electronic banking, unified electronic banking system) の現金 化、現金の預入れ、および現金をおろすこと、からなる 一群から選択されるサービスを含んでなることを特徴と する、請求項５の方法。 JP2001195654A CLAIM 25 【請求項２５】 少なくとも１つのシート面と、 視覚表示装置と、 データ入力 (touch points) 装置と、 音声入力装置と、 音声出力装置と、 メディア・入力／挿入装置と、 メディア・ディスペンス装置と、 処理装置とからなることを特徴とする、請求項１９のキ オスク。 |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (データ入力) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
JP2001195654A CLAIM 25 【請求項２５】 少なくとも１つのシート面と、 視覚表示装置と、 データ入力 (touch points) 装置と、 音声入力装置と、 音声出力装置と、 メディア・入力／挿入装置と、 メディア・ディスペンス装置と、 処理装置とからなることを特徴とする、請求項１９のキ オスク。 |
| US8862508B2 CLAIM 13 . A unified electronic banking (小切手) system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points (データ入力) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (少なくとも) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JP2001195654A CLAIM 2 【請求項２】 少なくとも (data storage device) １つのオプショナルモジュー ルへの前記接続が、無線であることを特徴とする、請求 項１の方法。 JP2001195654A CLAIM 12 【請求項１２】 前記追加のサービスが、小切手 (unified electronic banking, unified electronic banking system) の現金 化、現金の預入れ、および現金をおろすこと、からなる 一群から選択されるサービスを含んでなることを特徴と する、請求項５の方法。 JP2001195654A CLAIM 25 【請求項２５】 少なくとも１つのシート面と、 視覚表示装置と、 データ入力 (touch points) 装置と、 音声入力装置と、 音声出力装置と、 メディア・入力／挿入装置と、 メディア・ディスペンス装置と、 処理装置とからなることを特徴とする、請求項１９のキ オスク。 |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (データ入力) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
JP2001195654A CLAIM 25 【請求項２５】 少なくとも１つのシート面と、 視覚表示装置と、 データ入力 (touch points) 装置と、 音声入力装置と、 音声出力装置と、 メディア・入力／挿入装置と、 メディア・ディスペンス装置と、 処理装置とからなることを特徴とする、請求項１９のキ オスク。 |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6628314B1 Filed: 2000-10-30 Issued: 2003-09-30 Computer interface method and apparatus with targeted advertising (Original Assignee) B E Tech LLC (Current Assignee) B E Tech LLC Martin David Hoyle |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points (representing one) and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (unique identifiers) of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6628314B1 CLAIM 1 . A computer-readable memory for use by a computer to provide a user of the computer with an automatically-upgradeable software application , comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format , said program comprising a plurality of program modules ; at least one version identifier associated with one or more of said program modules , said version identifier(s) being stored on said non-volatile storage device ; wherein one of said program modules is operable upon execution to access said stored version identifier(s) and at least one updated version identifier from a server via a global public network , with said updated version identifier(s) representing one (touch points) or more updated program modules accessible from a server via the public network , wherein said one program module is further operable to download one or more updated program modules when said stored version identifier and said updated version identifier are different , with said updated program module(s) replacing one or more of said program modules stored on said data storage device , and , further , wherein said one program module is operable to store said updated version identifier . US6628314B1 CLAIM 17 . The method of claim 11 , wherein said providing steps further comprise providing said computer software which , when run on the computer , requires a user login to use said software and uses the user login to associate one of a number of unique identifiers (one plurality) with the computer usage information recorded by said software . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (representing one) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6628314B1 CLAIM 1 . A computer-readable memory for use by a computer to provide a user of the computer with an automatically-upgradeable software application , comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format , said program comprising a plurality of program modules ; at least one version identifier associated with one or more of said program modules , said version identifier(s) being stored on said non-volatile storage device ; wherein one of said program modules is operable upon execution to access said stored version identifier(s) and at least one updated version identifier from a server via a global public network , with said updated version identifier(s) representing one (touch points) or more updated program modules accessible from a server via the public network , wherein said one program module is further operable to download one or more updated program modules when said stored version identifier and said updated version identifier are different , with said updated program module(s) replacing one or more of said program modules stored on said data storage device , and , further , wherein said one program module is operable to store said updated version identifier . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points (representing one) and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6628314B1 CLAIM 1 . A computer-readable memory for use by a computer to provide a user of the computer with an automatically-upgradeable software application , comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format , said program comprising a plurality of program modules ; at least one version identifier associated with one or more of said program modules , said version identifier(s) being stored on said non-volatile storage device ; wherein one of said program modules is operable upon execution to access said stored version identifier(s) and at least one updated version identifier from a server via a global public network , with said updated version identifier(s) representing one (touch points) or more updated program modules accessible from a server via the public network , wherein said one program module is further operable to download one or more updated program modules when said stored version identifier and said updated version identifier are different , with said updated program module(s) replacing one or more of said program modules stored on said data storage device , and , further , wherein said one program module is operable to store said updated version identifier . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (representing one) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6628314B1 CLAIM 1 . A computer-readable memory for use by a computer to provide a user of the computer with an automatically-upgradeable software application , comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format , said program comprising a plurality of program modules ; at least one version identifier associated with one or more of said program modules , said version identifier(s) being stored on said non-volatile storage device ; wherein one of said program modules is operable upon execution to access said stored version identifier(s) and at least one updated version identifier from a server via a global public network , with said updated version identifier(s) representing one (touch points) or more updated program modules accessible from a server via the public network , wherein said one program module is further operable to download one or more updated program modules when said stored version identifier and said updated version identifier are different , with said updated program module(s) replacing one or more of said program modules stored on said data storage device , and , further , wherein said one program module is operable to store said updated version identifier . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points (representing one) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (data storage device) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6628314B1 CLAIM 1 . A computer-readable memory for use by a computer to provide a user of the computer with an automatically-upgradeable software application , comprising : a non-volatile data storage device (data storage device) ; a program stored on said non-volatile data storage device in a computer-readable format , said program comprising a plurality of program modules ; at least one version identifier associated with one or more of said program modules , said version identifier(s) being stored on said non-volatile storage device ; wherein one (wherein one) of said program modules is operable upon execution to access said stored version identifier(s) and at least one updated version identifier from a server via a global public network , with said updated version identifier(s) representing one (touch points) or more updated program modules accessible from a server via the public network , wherein said one program module is further operable to download one or more updated program modules when said stored version identifier and said updated version identifier are different , with said updated program module(s) replacing one or more of said program modules stored on said data storage device , and , further , wherein said one program module is operable to store said updated version identifier . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points (representing one) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6628314B1 CLAIM 1 . A computer-readable memory for use by a computer to provide a user of the computer with an automatically-upgradeable software application , comprising : a non-volatile data storage device ; a program stored on said non-volatile data storage device in a computer-readable format , said program comprising a plurality of program modules ; at least one version identifier associated with one or more of said program modules , said version identifier(s) being stored on said non-volatile storage device ; wherein one of said program modules is operable upon execution to access said stored version identifier(s) and at least one updated version identifier from a server via a global public network , with said updated version identifier(s) representing one (touch points) or more updated program modules accessible from a server via the public network , wherein said one program module is further operable to download one or more updated program modules when said stored version identifier and said updated version identifier are different , with said updated program module(s) replacing one or more of said program modules stored on said data storage device , and , further , wherein said one program module is operable to store said updated version identifier . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6609111B1 Filed: 2000-10-18 Issued: 2003-08-19 Method and apparatus for modeling and executing deferred award instrument plan (Original Assignee) Lawrence L. Bell Lawrence L. Bell |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system, stored data) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6609111B1 CLAIM 1 . A method for identifying and administering a deferred award instrument plan through a computer system (computer system) in order to reduce individual income and estate taxes , said method comprising the steps of : identifying at least one employee for an employer in said deferred award plan ; retrieving financial data related to a deferred compensation plan and to an employee welfare benefit plan corresponding to said identified employee ; computing a spread associated with said deferred compensation plan ; establishing a rabbi trust with said spread ; determining whether an individual life insurance policy has been purchased by said employee , said life insurance policy combining features of said deferred compensation plan and said employee welfare benefit plan ; enabling under control of said employer said employer to purchase investments through said purchased life insurance policy ; determining whether a spilt dollar agreement has been executed ; monitoring whether said employer has paid at least one premium for said life insurance policy ; and notifying said employee that a payment associated with said life insurance policy has been paid ; allowing said employee to borrow funds accumulated in said life insurance policy up to a limit set forth in said split dollar agreement , said limit reflecting a level of compensation according to said deferred compensation plan ; and reporting to said employee an amount of tax savings ; representing said deferred award instrument plan by : inputting models factors based on actual performance ; retrieving human resource data ; retrieving deferred compensation data and employee welfare benefit data ; retrieving fair market value information relating to deferred compensation and employee welfare benefit data ; computing company cost and length of program ; and storing said retrieved and computed data . US6609111B1 CLAIM 5 . The method as claimed in claim 4 further comprising : displaying at least a predetermined portion of said retrieved and stored data (computer system) based on said weighing indicators . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (memory operation) . |
US6609111B1 CLAIM 6 . A system for implementing a deferred award instrument plan comprising : a processor ; memory operation (select transactions) ally attached to said processor ; an input device operationally attached to said processor ; a display device operationally attached to said processor ; an identifier for identifying at least one employee for an employer in said deferred award plan ; a retrieving unit for retrieving financial data related to a deferred compensation plan and employee welfare benefit plan ; a processor for computing a spread associated with at least one of said deferred compensation and said employee welfare benefit plans ; trust establishment unit for establishing a rabbi trust with said spread ; determining unit for determining whether an individual life insurance policy has been purchased by said employee ; a trading unit for enabling under control of said employer said employee to purchase stock or other investments through said purchased life insurance policy ; a determining unit for determining whether a split dollar agreement has been executed ; a monitor for monitoring whether said employer has paid at least one premium for said life insurance policy ; a notifier for notifying said employee that a payment associated with said life insurance policy has been paid ; a loan unit allowing said employee to borrow funds accumulated in said life insurance policy up to a limit set forth in said split dollar agreement said limit reflecting said employee' ; s deferred compensation ; and reporting unit for reporting to said employee an amount of tax savings ; modeling unit for representing said deferred award instrument plan by : inputting models factors based on actual performance ; retrieving human resource data ; retrieving employee welfare benefit plan and deferred compensation plan data ; retrieving fair market value information relating to said employee welfare benefit plan and deferred compensation data ; computing company cost and length of program ; and storing said retrieved and computed data . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (computer system, stored data) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6609111B1 CLAIM 1 . A method for identifying and administering a deferred award instrument plan through a computer system (computer system) in order to reduce individual income and estate taxes , said method comprising the steps of : identifying at least one employee for an employer in said deferred award plan ; retrieving financial data related to a deferred compensation plan and to an employee welfare benefit plan corresponding to said identified employee ; computing a spread associated with said deferred compensation plan ; establishing a rabbi trust with said spread ; determining whether an individual life insurance policy has been purchased by said employee , said life insurance policy combining features of said deferred compensation plan and said employee welfare benefit plan ; enabling under control of said employer said employer to purchase investments through said purchased life insurance policy ; determining whether a spilt dollar agreement has been executed ; monitoring whether said employer has paid at least one premium for said life insurance policy ; and notifying said employee that a payment associated with said life insurance policy has been paid ; allowing said employee to borrow funds accumulated in said life insurance policy up to a limit set forth in said split dollar agreement , said limit reflecting a level of compensation according to said deferred compensation plan ; and reporting to said employee an amount of tax savings ; representing said deferred award instrument plan by : inputting models factors based on actual performance ; retrieving human resource data ; retrieving deferred compensation data and employee welfare benefit data ; retrieving fair market value information relating to deferred compensation and employee welfare benefit data ; computing company cost and length of program ; and storing said retrieved and computed data . US6609111B1 CLAIM 5 . The method as claimed in claim 4 further comprising : displaying at least a predetermined portion of said retrieved and stored data (computer system) based on said weighing indicators . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (memory operation) . |
US6609111B1 CLAIM 6 . A system for implementing a deferred award instrument plan comprising : a processor ; memory operation (select transactions) ally attached to said processor ; an input device operationally attached to said processor ; a display device operationally attached to said processor ; an identifier for identifying at least one employee for an employer in said deferred award plan ; a retrieving unit for retrieving financial data related to a deferred compensation plan and employee welfare benefit plan ; a processor for computing a spread associated with at least one of said deferred compensation and said employee welfare benefit plans ; trust establishment unit for establishing a rabbi trust with said spread ; determining unit for determining whether an individual life insurance policy has been purchased by said employee ; a trading unit for enabling under control of said employer said employee to purchase stock or other investments through said purchased life insurance policy ; a determining unit for determining whether a split dollar agreement has been executed ; a monitor for monitoring whether said employer has paid at least one premium for said life insurance policy ; a notifier for notifying said employee that a payment associated with said life insurance policy has been paid ; a loan unit allowing said employee to borrow funds accumulated in said life insurance policy up to a limit set forth in said split dollar agreement said limit reflecting said employee' ; s deferred compensation ; and reporting unit for reporting to said employee an amount of tax savings ; modeling unit for representing said deferred award instrument plan by : inputting models factors based on actual performance ; retrieving human resource data ; retrieving employee welfare benefit plan and deferred compensation plan data ; retrieving fair market value information relating to said employee welfare benefit plan and deferred compensation data ; computing company cost and length of program ; and storing said retrieved and computed data . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (memory operation) . |
US6609111B1 CLAIM 6 . A system for implementing a deferred award instrument plan comprising : a processor ; memory operation (select transactions) ally attached to said processor ; an input device operationally attached to said processor ; a display device operationally attached to said processor ; an identifier for identifying at least one employee for an employer in said deferred award plan ; a retrieving unit for retrieving financial data related to a deferred compensation plan and employee welfare benefit plan ; a processor for computing a spread associated with at least one of said deferred compensation and said employee welfare benefit plans ; trust establishment unit for establishing a rabbi trust with said spread ; determining unit for determining whether an individual life insurance policy has been purchased by said employee ; a trading unit for enabling under control of said employer said employee to purchase stock or other investments through said purchased life insurance policy ; a determining unit for determining whether a split dollar agreement has been executed ; a monitor for monitoring whether said employer has paid at least one premium for said life insurance policy ; a notifier for notifying said employee that a payment associated with said life insurance policy has been paid ; a loan unit allowing said employee to borrow funds accumulated in said life insurance policy up to a limit set forth in said split dollar agreement said limit reflecting said employee' ; s deferred compensation ; and reporting unit for reporting to said employee an amount of tax savings ; modeling unit for representing said deferred award instrument plan by : inputting models factors based on actual performance ; retrieving human resource data ; retrieving employee welfare benefit plan and deferred compensation plan data ; retrieving fair market value information relating to said employee welfare benefit plan and deferred compensation data ; computing company cost and length of program ; and storing said retrieved and computed data . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | JP2002123272A Filed: 2000-10-13 Issued: 2002-04-26 音楽データ配信システム、サーバ装置、情報端末装置、並びに音楽データ配信方法 (Original Assignee) Sony Corp; ソニー株式会社 Hitoshi Kuroiwa, 仁 黒岩 |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (のサーバ) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JP2002123272A CLAIM 6 【請求項６】 上記記憶手段に記憶される上記キーワー ドデータは、一つの音楽データに対し複数関連付けられ ることを特徴とする請求項４記載のサーバ (service coin counter) 装置。 |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (システム) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JP2002123272A CLAIM 1 【請求項１】 サーバ装置に蓄積された音楽データを情 報端末装置に配信する音楽データ配信システム (data storage device) におい て、 上記サーバ装置は、 音楽データとこの音楽データに関連付けられたキーワー ドデータとを記憶する第１の記憶手段と、 上記第１の記憶手段に記憶された音楽データとキーワー ドデータとを上記情報端末装置に送信し、上記情報端末 装置からキーワードデータを受信した場合に、このキー ワードデータが関連付けられた音楽データを示す候補曲 情報を上記情報端末装置に送信する送受信手段とを備 え、 上記情報端末装置は、 音楽データとこの音楽データに関連付けられたキーワー ドデータとを記憶する第２の記憶手段と、 上記第２の記憶手段に記憶された音楽データを再生出力 する音楽再生手段と、 上記音楽再生手段によって音楽データを再生出力する際 に、この音楽データに関連付けられたキーワードデータ を上記サーバ装置に送信し、上記サーバ装置から候補曲 情報を受信する送受信手段とを備えることを特徴とする 音楽データ配信システム。 |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | EP1091328A2 Filed: 2000-10-04 Issued: 2001-04-11 Method and system for providing an incentive to use an automated teller machine (ATM) (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Development Center Inc Peter Paradiso, Howard A. Schechtman |
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| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
EP1091328A2 CLAIM 3 The method of claim 2 wherein the ATM comprises an ATM operated by a first financial institution (transaction machine, customer profile, customer name) . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request, to view) , and a monetary amount to be the subject of select transactions (electronic transaction) . |
EP1091328A2 CLAIM 1 A method of promoting banking services comprising : receiving at an automatic teller machine (ATM) a transaction request (conducting transactions) from an ATM user , wherein the ATM comprises a display screen ; determining that the ATM user comprises a non-customer ; displaying information related to an incentive program for non-customers on the display screen , wherein the information prompts the ATM user for a response ; receiving the response from the ATM user ; and enrolling the ATM user in the incentive program . EP1091328A2 CLAIM 2 The method of claim 1 further comprising tracking the electronic transaction (select transactions) s of the ATM user . EP1091328A2 CLAIM 3 The method of claim 2 wherein the ATM comprises an ATM operated by a first financial institution (transaction machine, customer profile, customer name) . EP1091328A2 CLAIM 22 The method of claim 21 further comprising receiving a request to view (conducting transactions) the number of points in the incentive program account of the ATM user and displaying the number of points associated with the ATM user . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
EP1091328A2 CLAIM 3 The method of claim 2 wherein the ATM comprises an ATM operated by a first financial institution (transaction machine, customer profile, customer name) . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request, to view) , and a monetary amount to be the subject of select transactions (electronic transaction) . |
EP1091328A2 CLAIM 1 A method of promoting banking services comprising : receiving at an automatic teller machine (ATM) a transaction request (conducting transactions) from an ATM user , wherein the ATM comprises a display screen ; determining that the ATM user comprises a non-customer ; displaying information related to an incentive program for non-customers on the display screen , wherein the information prompts the ATM user for a response ; receiving the response from the ATM user ; and enrolling the ATM user in the incentive program . EP1091328A2 CLAIM 2 The method of claim 1 further comprising tracking the electronic transaction (select transactions) s of the ATM user . EP1091328A2 CLAIM 3 The method of claim 2 wherein the ATM comprises an ATM operated by a first financial institution (transaction machine, customer profile, customer name) . EP1091328A2 CLAIM 22 The method of claim 21 further comprising receiving a request to view (conducting transactions) the number of points in the incentive program account of the ATM user and displaying the number of points associated with the ATM user . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
EP1091328A2 CLAIM 3 The method of claim 2 wherein the ATM comprises an ATM operated by a first financial institution (transaction machine, customer profile, customer name) . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request, to view) , and a monetary amount to be the subject of select transactions (electronic transaction) . |
EP1091328A2 CLAIM 1 A method of promoting banking services comprising : receiving at an automatic teller machine (ATM) a transaction request (conducting transactions) from an ATM user , wherein the ATM comprises a display screen ; determining that the ATM user comprises a non-customer ; displaying information related to an incentive program for non-customers on the display screen , wherein the information prompts the ATM user for a response ; receiving the response from the ATM user ; and enrolling the ATM user in the incentive program . EP1091328A2 CLAIM 2 The method of claim 1 further comprising tracking the electronic transaction (select transactions) s of the ATM user . EP1091328A2 CLAIM 3 The method of claim 2 wherein the ATM comprises an ATM operated by a first financial institution (transaction machine, customer profile, customer name) . EP1091328A2 CLAIM 22 The method of claim 21 further comprising receiving a request to view (conducting transactions) the number of points in the incentive program account of the ATM user and displaying the number of points associated with the ATM user . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | JP2002063629A Filed: 2000-08-23 Issued: 2002-02-28 自動取引装置、自動取引システム及びメッセージ出力装置 (Original Assignee) Oki Electric Ind Co Ltd; 沖電気工業株式会社 Koichi Hatta, 晃一 八田 |
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| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JP2002063629A CLAIM 4 【請求項４】 音声メッセー (customer profile) ジを再生する音声再生部を 備え、前記自動取引装置コーナーの周囲に人がいる場合 に、前記音声再生部から前記自動取引装置コーナーの周 囲の状況を知らせると共に確認を促す音声メッセージを 流すことを特徴とする請求項１〜３のいずれかに記載の 自動取引装置。 |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JP2002063629A CLAIM 4 【請求項４】 音声メッセー (customer profile) ジを再生する音声再生部を 備え、前記自動取引装置コーナーの周囲に人がいる場合 に、前記音声再生部から前記自動取引装置コーナーの周 囲の状況を知らせると共に確認を促す音声メッセージを 流すことを特徴とする請求項１〜３のいずれかに記載の 自動取引装置。 |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (システム, 表示部) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JP2002063629A CLAIM 1 【請求項１】 金融機関の店舗外に設けられた自動取引 装置コーナーに設置される自動取引装置において、 前記自動取引装置の顧客用表示部 (data storage device) に、取引画面と、監視 カメラが撮影する前記自動取引装置コーナーの周囲の映 像とを表示することを特徴とする自動取引装置。 JP2002063629A CLAIM 9 【請求項９】 監視カメラによって撮影された自動取引 装置コーナーの周囲の画像を自動取引装置コーナー内部 に設置された自動取引装置に供給することを特徴とする 自動取引システム (data storage device) 。 |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JP2002063629A CLAIM 4 【請求項４】 音声メッセー (customer profile) ジを再生する音声再生部を 備え、前記自動取引装置コーナーの周囲に人がいる場合 に、前記音声再生部から前記自動取引装置コーナーの周 囲の状況を知らせると共に確認を促す音声メッセージを 流すことを特徴とする請求項１〜３のいずれかに記載の 自動取引装置。 |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6876971B1 Filed: 2000-07-05 Issued: 2005-04-05 Funds distribution system connected with point of sale transaction (Original Assignee) Every Penny Counts Inc (Current Assignee) Every Penny Counts Inc Bertram V. Burke |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6876971B1 CLAIM 13 . In a computer system (computer system) , a point of sale operating method , comprising : entering a number corresponding to a price of a product into a remote input ; entering an amount corresponding to an amount being offered ; determining any excess of the amount relative to the price or the price relative to the amount ; entering a coded identifier ; applying at least a part of the excess to an account as established by the coded identifier ; and crediting or debiting the excess to the account established by the coded identifier , wherein the account in which the excess is applied is determined by the transactor ; the account being identified with said coded identifier being independent of said remote input . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (said sensor) to be the subject of select transactions . |
US6876971B1 CLAIM 34 . A system as in claim 33 , wherein said sensor (monetary amount) responsive to electromagnetic radiation is a bar code reader . US6876971B1 CLAIM 41 . A system as in claim 1 , wherein said identifier is carried on a credit or debit card (customer name) . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (bar code) , wherein each computer system (computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6876971B1 CLAIM 13 . In a computer system (computer system) , a point of sale operating method , comprising : entering a number corresponding to a price of a product into a remote input ; entering an amount corresponding to an amount being offered ; determining any excess of the amount relative to the price or the price relative to the amount ; entering a coded identifier ; applying at least a part of the excess to an account as established by the coded identifier ; and crediting or debiting the excess to the account established by the coded identifier , wherein the account in which the excess is applied is determined by the transactor ; the account being identified with said coded identifier being independent of said remote input . US6876971B1 CLAIM 34 . A system as in claim 33 , wherein said sensor responsive to electromagnetic radiation is a bar code (computer systems) reader . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (said sensor) to be the subject of select transactions . |
US6876971B1 CLAIM 34 . A system as in claim 33 , wherein said sensor (monetary amount) responsive to electromagnetic radiation is a bar code reader . US6876971B1 CLAIM 41 . A system as in claim 1 , wherein said identifier is carried on a credit or debit card (customer name) . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (bar code) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6876971B1 CLAIM 34 . A system as in claim 33 , wherein said sensor responsive to electromagnetic radiation is a bar code (computer systems) reader . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (said sensor) to be the subject of select transactions . |
US6876971B1 CLAIM 34 . A system as in claim 33 , wherein said sensor (monetary amount) responsive to electromagnetic radiation is a bar code reader . US6876971B1 CLAIM 41 . A system as in claim 1 , wherein said identifier is carried on a credit or debit card (customer name) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6622124B1 Filed: 2000-06-23 Issued: 2003-09-16 Method of transacting an electronic mail, an electronic commerce, and an electronic business transaction by an electronic commerce terminal operated on a transportation vehicle (Original Assignee) USA Technologies Inc (Current Assignee) USA Technologies Inc H. Brock Kolls |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (business transaction) to be the subject of select transactions . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce transaction , and/or an electronic business transaction (monetary amount) by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (electronic commerce) during said active session . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (business transaction) to be the subject of select transactions . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce transaction , and/or an electronic business transaction (monetary amount) by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (electronic commerce) during said active session . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (business transaction) to be the subject of select transactions . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce transaction , and/or an electronic business transaction (monetary amount) by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (electronic commerce) is transmitted during said active session . |
US6622124B1 CLAIM 1 . A method of transacting an electronic mail transaction , an electronic commerce (marketing content) transaction , and/or an electronic business transaction by an electronic commerce terminal , said transactions having an associated transaction data and type , wherein a portion of said transaction data is used to identify a user , said method comprising the steps of ; a) capturing a plurality of said transaction data ; b) determining said transaction type based on said transaction data ; c) evaluating a validity of said transaction type ; d) communicating said transaction data to a universal server ; e) interchanging at least a portion of said transaction data used to identify said user with further data based on a dynamic identification interchange ; f) processing said transaction data and said further data ; g) determining whether a period of non-use of said electronic commerce terminal has occurred ; h) determining if said period of non-use exceeds a predetermined time period ; i) generating an error message based on said determination of step h) ; j) determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded ; k) reauthorizing said user based on said determination step j) ; and l) reprocessing said transaction data and said further data based on said reauthorization . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6721783B1 Filed: 1999-11-24 Issued: 2004-04-13 E-mailer controller for privately and securely delivering bank notices, advices and monthly statements (Original Assignee) Parish National Bank (Current Assignee) Parish National Bank Gary B. Blossman, Jeffrey P. Van Houten |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server (d log) coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6721783B1 CLAIM 52 . The method of claim 49 , wherein the assembling step (d) comprises : (d1) retrieving said at least one pictorial image via said at least one image link ; and , (d2) retrieving said letterhead or said log (multi-channel server) o via said graphic link . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (one bank) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US6721783B1 CLAIM 1 . An e-mailer controller for use in a banking system comprising : (a) an electronic formatted mandated periodic statement shell adapted to have inserted therein a text record of a plurality of banking transactions for a customer account ; (b) an image link appender capable of inserting at least one image link in said electronic formatted mandated periodic statement shell wherein said at least one image link defines an electronic path to at least one pictorial image of a hardcopy bank instrument identifying at least one bank (conducting transactions) transaction of said plurality of bank transactions ; (c) a document assembler adapted to assemble a mandated periodic statement from said electronic formatted mandated periodic statement shell and said at least one pictorial image ; (d) an electronic-mail creator which formats the assembled mandated periodic statement using a standardized electronic-mail transfer protocol into an electronic mandated periodic statement mail ; and , (e) an electronic-mailer adapted to securely and privately electronically mail said electronic mandated periodic statement mail to an e-mail address for said customer account via a network . US6721783B1 CLAIM 19 . The e-mailer controller of claim 1 , further comprising : (f) an electronic formatted bank document shell adapted to have inserted therein a text record of a bank notice or advice for a respective customer account ; wherein said document assembler is adapted to assemble a bank notice or advice statement from said electronic formatted bank document shell ; wherein said electronic-mail creator is adapted to format the assembled bank notice or advice statement using a standardized electronic-mail transfer protocol into an electronic bank (monetary amount) notice or advice statement mail ; and , wherein said electronic-mailer is adapted to securely and privately electronically mail said electronic bank notice or advice statement mail to an e-mail address for said respective customer account via said network . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server (d log) coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6721783B1 CLAIM 52 . The method of claim 49 , wherein the assembling step (d) comprises : (d1) retrieving said at least one pictorial image via said at least one image link ; and , (d2) retrieving said letterhead or said log (multi-channel server) o via said graphic link . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (one bank) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US6721783B1 CLAIM 1 . An e-mailer controller for use in a banking system comprising : (a) an electronic formatted mandated periodic statement shell adapted to have inserted therein a text record of a plurality of banking transactions for a customer account ; (b) an image link appender capable of inserting at least one image link in said electronic formatted mandated periodic statement shell wherein said at least one image link defines an electronic path to at least one pictorial image of a hardcopy bank instrument identifying at least one bank (conducting transactions) transaction of said plurality of bank transactions ; (c) a document assembler adapted to assemble a mandated periodic statement from said electronic formatted mandated periodic statement shell and said at least one pictorial image ; (d) an electronic-mail creator which formats the assembled mandated periodic statement using a standardized electronic-mail transfer protocol into an electronic mandated periodic statement mail ; and , (e) an electronic-mailer adapted to securely and privately electronically mail said electronic mandated periodic statement mail to an e-mail address for said customer account via a network . US6721783B1 CLAIM 19 . The e-mailer controller of claim 1 , further comprising : (f) an electronic formatted bank document shell adapted to have inserted therein a text record of a bank notice or advice for a respective customer account ; wherein said document assembler is adapted to assemble a bank notice or advice statement from said electronic formatted bank document shell ; wherein said electronic-mail creator is adapted to format the assembled bank notice or advice statement using a standardized electronic-mail transfer protocol into an electronic bank (monetary amount) notice or advice statement mail ; and , wherein said electronic-mailer is adapted to securely and privately electronically mail said electronic bank notice or advice statement mail to an e-mail address for said respective customer account via said network . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server (d log) , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6721783B1 CLAIM 52 . The method of claim 49 , wherein the assembling step (d) comprises : (d1) retrieving said at least one pictorial image via said at least one image link ; and , (d2) retrieving said letterhead or said log (multi-channel server) o via said graphic link . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (one bank) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US6721783B1 CLAIM 1 . An e-mailer controller for use in a banking system comprising : (a) an electronic formatted mandated periodic statement shell adapted to have inserted therein a text record of a plurality of banking transactions for a customer account ; (b) an image link appender capable of inserting at least one image link in said electronic formatted mandated periodic statement shell wherein said at least one image link defines an electronic path to at least one pictorial image of a hardcopy bank instrument identifying at least one bank (conducting transactions) transaction of said plurality of bank transactions ; (c) a document assembler adapted to assemble a mandated periodic statement from said electronic formatted mandated periodic statement shell and said at least one pictorial image ; (d) an electronic-mail creator which formats the assembled mandated periodic statement using a standardized electronic-mail transfer protocol into an electronic mandated periodic statement mail ; and , (e) an electronic-mailer adapted to securely and privately electronically mail said electronic mandated periodic statement mail to an e-mail address for said customer account via a network . US6721783B1 CLAIM 19 . The e-mailer controller of claim 1 , further comprising : (f) an electronic formatted bank document shell adapted to have inserted therein a text record of a bank notice or advice for a respective customer account ; wherein said document assembler is adapted to assemble a bank notice or advice statement from said electronic formatted bank document shell ; wherein said electronic-mail creator is adapted to format the assembled bank notice or advice statement using a standardized electronic-mail transfer protocol into an electronic bank (monetary amount) notice or advice statement mail ; and , wherein said electronic-mailer is adapted to securely and privately electronically mail said electronic bank notice or advice statement mail to an e-mail address for said respective customer account via said network . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6445682B1 Filed: 1999-10-15 Issued: 2002-09-03 Systems and methods for multiple mode voice and data communications using intelligently bridged TDM and packet buses and methods for performing telephony and data functions using the same (Original Assignee) Vertical Networks Inc (Current Assignee) RPX Corp ; Vertical Networks Inc Eliot Weitz |
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| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6445682B1 CLAIM 2 . The method of claim 1 , wherein one (wherein one) or more attributes of the selected group of channels of the digital transmission link are simultaneously modified . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6601761B1 Filed: 1999-09-15 Issued: 2003-08-05 Method and system for co-branding an electronic payment platform such as an electronic wallet (Original Assignee) Citibank NA (Current Assignee) Citibank NA Thomas Katis |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points (point data) and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (payment system) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . US6601761B1 CLAIM 7 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein the co-branded electronic payment platform is controlled at least in part by the financial institution and in part by the at least one cooperating merchant ; and wherein providing the on-line access to the co-branded electronic payment platform further comprises providing the on-line access to the electronic payment platform with at least one of a link to a website of the cooperating merchant and an award point data (touch points) base of the cooperating merchant controlled by the cooperating merchant . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, electronic wallet, debit card) . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution (transaction machine, customer profile, customer name) and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system storing digital payment tokens for the user . US6601761B1 CLAIM 3 . The method of claim 2 , wherein providing the on-line access to the digital bearer certificate payment system storing the digital payment tokens for the user on the electronic cash purse server further comprises storing value representing the digital tokens for the user on the electronic cash purse server pre-allocated from at least one user' ; s account selected from a group of user' ; s accounts consisting of a user' ; s credit card account , a user' ; s debit card (transaction machine, customer profile, customer name) account , a user' ; s checking account , and a user' ; s savings account . US6601761B1 CLAIM 8 . The method of claim 7 , wherein providing the on-line access for the user to the on-line electronic payment platform further comprises providing the on-line access for the user to an electronic wallet (transaction machine, customer profile, customer name) application on a wallet server controlled by one of the financial institution and another party for the financial institution . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, electronic wallet, debit card) , a language to be used in connection with one or more of said touch points (point data) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution (transaction machine, customer profile, customer name) and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system storing digital payment tokens for the user . US6601761B1 CLAIM 3 . The method of claim 2 , wherein providing the on-line access to the digital bearer certificate payment system storing the digital payment tokens for the user on the electronic cash purse server further comprises storing value representing the digital tokens for the user on the electronic cash purse server pre-allocated from at least one user' ; s account selected from a group of user' ; s accounts consisting of a user' ; s credit card account , a user' ; s debit card (transaction machine, customer profile, customer name) account , a user' ; s checking account , and a user' ; s savings account . US6601761B1 CLAIM 7 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein the co-branded electronic payment platform is controlled at least in part by the financial institution and in part by the at least one cooperating merchant ; and wherein providing the on-line access to the co-branded electronic payment platform further comprises providing the on-line access to the electronic payment platform with at least one of a link to a website of the cooperating merchant and an award point data (touch points) base of the cooperating merchant controlled by the cooperating merchant . US6601761B1 CLAIM 8 . The method of claim 7 , wherein providing the on-line access for the user to the on-line electronic payment platform further comprises providing the on-line access for the user to an electronic wallet (transaction machine, customer profile, customer name) application on a wallet server controlled by one of the financial institution and another party for the financial institution . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (payment system) is classified as being one or more of current or approved content . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (payment system) during said active session . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points (point data) and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (payment system) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . US6601761B1 CLAIM 7 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein the co-branded electronic payment platform is controlled at least in part by the financial institution and in part by the at least one cooperating merchant ; and wherein providing the on-line access to the co-branded electronic payment platform further comprises providing the on-line access to the electronic payment platform with at least one of a link to a website of the cooperating merchant and an award point data (touch points) base of the cooperating merchant controlled by the cooperating merchant . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, electronic wallet, debit card) . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution (transaction machine, customer profile, customer name) and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system storing digital payment tokens for the user . US6601761B1 CLAIM 3 . The method of claim 2 , wherein providing the on-line access to the digital bearer certificate payment system storing the digital payment tokens for the user on the electronic cash purse server further comprises storing value representing the digital tokens for the user on the electronic cash purse server pre-allocated from at least one user' ; s account selected from a group of user' ; s accounts consisting of a user' ; s credit card account , a user' ; s debit card (transaction machine, customer profile, customer name) account , a user' ; s checking account , and a user' ; s savings account . US6601761B1 CLAIM 8 . The method of claim 7 , wherein providing the on-line access for the user to the on-line electronic payment platform further comprises providing the on-line access for the user to an electronic wallet (transaction machine, customer profile, customer name) application on a wallet server controlled by one of the financial institution and another party for the financial institution . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, electronic wallet, debit card) , a language to be used in connection with one or more of said touch points (point data) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution (transaction machine, customer profile, customer name) and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system storing digital payment tokens for the user . US6601761B1 CLAIM 3 . The method of claim 2 , wherein providing the on-line access to the digital bearer certificate payment system storing the digital payment tokens for the user on the electronic cash purse server further comprises storing value representing the digital tokens for the user on the electronic cash purse server pre-allocated from at least one user' ; s account selected from a group of user' ; s accounts consisting of a user' ; s credit card account , a user' ; s debit card (transaction machine, customer profile, customer name) account , a user' ; s checking account , and a user' ; s savings account . US6601761B1 CLAIM 7 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein the co-branded electronic payment platform is controlled at least in part by the financial institution and in part by the at least one cooperating merchant ; and wherein providing the on-line access to the co-branded electronic payment platform further comprises providing the on-line access to the electronic payment platform with at least one of a link to a website of the cooperating merchant and an award point data (touch points) base of the cooperating merchant controlled by the cooperating merchant . US6601761B1 CLAIM 8 . The method of claim 7 , wherein providing the on-line access for the user to the on-line electronic payment platform further comprises providing the on-line access for the user to an electronic wallet (transaction machine, customer profile, customer name) application on a wallet server controlled by one of the financial institution and another party for the financial institution . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (payment system) is classified as being one or more of current or approved content . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (payment system) during said active session . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points (point data) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (payment system) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . US6601761B1 CLAIM 7 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein the co-branded electronic payment platform is controlled at least in part by the financial institution and in part by the at least one cooperating merchant ; and wherein providing the on-line access to the co-branded electronic payment platform further comprises providing the on-line access to the electronic payment platform with at least one of a link to a website of the cooperating merchant and an award point data (touch points) base of the cooperating merchant controlled by the cooperating merchant . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, electronic wallet, debit card) . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution (transaction machine, customer profile, customer name) and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system storing digital payment tokens for the user . US6601761B1 CLAIM 3 . The method of claim 2 , wherein providing the on-line access to the digital bearer certificate payment system storing the digital payment tokens for the user on the electronic cash purse server further comprises storing value representing the digital tokens for the user on the electronic cash purse server pre-allocated from at least one user' ; s account selected from a group of user' ; s accounts consisting of a user' ; s credit card account , a user' ; s debit card (transaction machine, customer profile, customer name) account , a user' ; s checking account , and a user' ; s savings account . US6601761B1 CLAIM 8 . The method of claim 7 , wherein providing the on-line access for the user to the on-line electronic payment platform further comprises providing the on-line access for the user to an electronic wallet (transaction machine, customer profile, customer name) application on a wallet server controlled by one of the financial institution and another party for the financial institution . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, electronic wallet, debit card) , a language to be used in connection with one or more of said touch points (point data) , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution (transaction machine, customer profile, customer name) and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system storing digital payment tokens for the user . US6601761B1 CLAIM 3 . The method of claim 2 , wherein providing the on-line access to the digital bearer certificate payment system storing the digital payment tokens for the user on the electronic cash purse server further comprises storing value representing the digital tokens for the user on the electronic cash purse server pre-allocated from at least one user' ; s account selected from a group of user' ; s accounts consisting of a user' ; s credit card account , a user' ; s debit card (transaction machine, customer profile, customer name) account , a user' ; s checking account , and a user' ; s savings account . US6601761B1 CLAIM 7 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein the co-branded electronic payment platform is controlled at least in part by the financial institution and in part by the at least one cooperating merchant ; and wherein providing the on-line access to the co-branded electronic payment platform further comprises providing the on-line access to the electronic payment platform with at least one of a link to a website of the cooperating merchant and an award point data (touch points) base of the cooperating merchant controlled by the cooperating merchant . US6601761B1 CLAIM 8 . The method of claim 7 , wherein providing the on-line access for the user to the on-line electronic payment platform further comprises providing the on-line access for the user to an electronic wallet (transaction machine, customer profile, customer name) application on a wallet server controlled by one of the financial institution and another party for the financial institution . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (payment system) is classified as being one or more of current or approved content . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (payment system) is transmitted during said active session . |
US6601761B1 CLAIM 1 . A method of co-branding an electronic payment platform , comprising : providing an on-line access for a user to an electronic payment platform co-branded by a financial institution and at least one cooperating merchant ; allowing the user to use the co-branded electronic payment platform for making a payment ; automatically storing an incentive award for the user for the use of the electronic payment platform for making the payment ; and allowing the user to redeem the stored incentive award ; wherein providing the on-line access for the user to the electronic payment platform further comprises providing the on-line access to a digital bearer certificate payment system (marketing content) storing digital payment tokens for the user . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6658393B1 Filed: 1999-09-15 Issued: 2003-12-02 Financial risk prediction systems and methods therefor (Original Assignee) Visa International Service Association (Current Assignee) Visa International Service Association Catherine A. Basch, Belva J. Bruesewitz, Kevin Siegel, Patrick Faith |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
US6658393B1 CLAIM 11 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving first transaction (select transactions) data pertaining to a first transaction performed on a first credit account , said first credit account representing a credit account issued to a given account holder by a first account issuer ; receiving second transaction (select transactions) data pertaining to a second transaction performed on a second credit account , said second credit account being different from said first credit account , said second credit account representing a credit account issued to said given account holder by a second account issuer , said second account issuer being different from said first account issuer ; scoring said first transaction data and said second transaction data , said scoring being based on a preexisting model , to form a combined score for said given account holder ; determining when the combined score is below a predefined financial risk threshold ; and transmitting said combined score to at least one of said first account issuer and said second account issuer when it is determined that said combined score is below the predefined financial risk threshold . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
US6658393B1 CLAIM 11 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving first transaction (select transactions) data pertaining to a first transaction performed on a first credit account , said first credit account representing a credit account issued to a given account holder by a first account issuer ; receiving second transaction (select transactions) data pertaining to a second transaction performed on a second credit account , said second credit account being different from said first credit account , said second credit account representing a credit account issued to said given account holder by a second account issuer , said second account issuer being different from said first account issuer ; scoring said first transaction data and said second transaction data , said scoring being based on a preexisting model , to form a combined score for said given account holder ; determining when the combined score is below a predefined financial risk threshold ; and transmitting said combined score to at least one of said first account issuer and said second account issuer when it is determined that said combined score is below the predefined financial risk threshold . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
US6658393B1 CLAIM 11 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving first transaction (select transactions) data pertaining to a first transaction performed on a first credit account , said first credit account representing a credit account issued to a given account holder by a first account issuer ; receiving second transaction (select transactions) data pertaining to a second transaction performed on a second credit account , said second credit account being different from said first credit account , said second credit account representing a credit account issued to said given account holder by a second account issuer , said second account issuer being different from said first account issuer ; scoring said first transaction data and said second transaction data , said scoring being based on a preexisting model , to form a combined score for said given account holder ; determining when the combined score is below a predefined financial risk threshold ; and transmitting said combined score to at least one of said first account issuer and said second account issuer when it is determined that said combined score is below the predefined financial risk threshold . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (action information) is classified as being one or more of current or approved content . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (action information) is transmitted during said active session . |
US6658393B1 CLAIM 1 . A computer-implemented method for predicting financial risk , the computer-implemented method comprising : receiving data inputs on a first computing system , the data inputs are received from at least one second computing system that is separate from the first computing system , the data inputs including historical data associated with at least a first account issued to an account owner , the historical data including historical transaction information (marketing content) for the , first account ; generating a predictive model , the predictive model being based on at least the historical data ; receiving a current transaction authorization request associated with the first account , the current transaction authorization request being received on the first computing system ; generating a risk score , the risk score is generated by applying the predictive model to data associated with the current transaction authorization request ; and causing the current transaction authorization request to be denied when the risk score indicates an unacceptable level of risk ; wherein the data inputs further include performance data , the performance data being at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6675196B1 Filed: 1999-08-05 Issued: 2004-01-06 Universal protocol for enabling a device to discover and utilize the services of another device (Original Assignee) Amazon com Inc (Current Assignee) Amazon Technologies Inc Jason A. Kronz |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (specified one) of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6675196B1 CLAIM 20 . A method for enabling a client device to communicate with a server device over a communications link , the method comprising the steps of : establishing a communicative connection with the server device ; after establishing the communicative connection , transmitting to the server device a use-command requesting the server device to provide use information that describes how to invoke a specified one (different types) of multiple services offered by the server device ; receiving the use information ; and after receiving the use information , transmitting a service-command to the server device requesting the server device to invoke the specified service , the service-command specified in a manner based on a description included in the received use information . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6675196B1 CLAIM 11 . A method by which a common data protocol is used to enable a first device of a first device type to communicate with a second device of a second device type over a first communications link , to enable the second device to communicate with a third device of a third device type over a second communications link , and to enable the third device to communicate with the first device over a third communications link , the first device and the second device together forming a first device pair , the second device and the third device together forming a second device pair , and the third device and the first device together forming a third device pair , wherein one (wherein one) of the devices in each of the first , second and third device pairs is a client device and the other of the devices in each of the first , second and third device pairs is a server device , the device pairs such that at least one of the devices is a client device in one device pair and is a server device in another device pair , the method comprising the steps of , for each device pair : establishing a connection between the client device of the device pair and the server device of the device pair using a link protocol ; using the link protocol to establish communication between the client device and the server device using the common data protocol ; transmitting a type-command from the client device to the service device using the common data protocol , the type-command requesting the service device to provide service information identifying services offered by the server device ; and in response to the type-command , transmitting the service information from the server device to the client device . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6308887B1 Filed: 1999-07-02 Issued: 2001-10-30 Multi-transactional architecture (Original Assignee) CASH TECHNOLOGIES Inc (Current Assignee) CASH TECHNOLOGIES Inc Bruce R. Korman, Darryl Jesse Bergman |
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| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US6308887B1 CLAIM 39 . A transaction terminal , comprising : a data entry device for selecting between plural requests , said data entry device providing respective outputs responsive to each of the plural requests ; a processor for formatting a message in response to the output , said form (customer profile) atted message comprising the selected message ; and at least one of : a product multimedia dispenser for dispensing a multimedia product corresponding to a first one of the plural requests ; a card dispenser for dispensing a card corresponding to a second one of the plural requests ; and a multimedia printer for generating printed media corresponding to a third one of the plural requests . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request) , and a monetary amount (said sensor) to be the subject of select transactions . |
US6308887B1 CLAIM 12 . The transaction network of claim 10 wherein said sensor (monetary amount) comprises a magnetic ink character recognition reader . US6308887B1 CLAIM 42 . A method for performing transactions with at least one of a plurality of destination computers from a transaction terminal through a host computer , each of the destination computers communicating with said transaction terminal via said host computer , said method comprising the steps of : receiving at least one transaction request (conducting transactions) from a user through said transaction terminal ; providing a transaction request message to said host reflecting said at least one transaction request ; parsing said transaction request message into plural transaction components corresponding to respective ones of said plurality of destination computers ; identifying dependencies between said plural transaction components ; and communicating with said plurality of destination computers in an order defined at least in part by said dependencies . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US6308887B1 CLAIM 39 . A transaction terminal , comprising : a data entry device for selecting between plural requests , said data entry device providing respective outputs responsive to each of the plural requests ; a processor for formatting a message in response to the output , said form (customer profile) atted message comprising the selected message ; and at least one of : a product multimedia dispenser for dispensing a multimedia product corresponding to a first one of the plural requests ; a card dispenser for dispensing a card corresponding to a second one of the plural requests ; and a multimedia printer for generating printed media corresponding to a third one of the plural requests . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request) , and a monetary amount (said sensor) to be the subject of select transactions . |
US6308887B1 CLAIM 12 . The transaction network of claim 10 wherein said sensor (monetary amount) comprises a magnetic ink character recognition reader . US6308887B1 CLAIM 42 . A method for performing transactions with at least one of a plurality of destination computers from a transaction terminal through a host computer , each of the destination computers communicating with said transaction terminal via said host computer , said method comprising the steps of : receiving at least one transaction request (conducting transactions) from a user through said transaction terminal ; providing a transaction request message to said host reflecting said at least one transaction request ; parsing said transaction request message into plural transaction components corresponding to respective ones of said plurality of destination computers ; identifying dependencies between said plural transaction components ; and communicating with said plurality of destination computers in an order defined at least in part by said dependencies . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6308887B1 CLAIM 11 . The transaction network of claim 10 wherein one (wherein one) of said first and second formatted messages comprises the identification information in response to the respective user input . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US6308887B1 CLAIM 39 . A transaction terminal , comprising : a data entry device for selecting between plural requests , said data entry device providing respective outputs responsive to each of the plural requests ; a processor for formatting a message in response to the output , said form (customer profile) atted message comprising the selected message ; and at least one of : a product multimedia dispenser for dispensing a multimedia product corresponding to a first one of the plural requests ; a card dispenser for dispensing a card corresponding to a second one of the plural requests ; and a multimedia printer for generating printed media corresponding to a third one of the plural requests . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request) , and a monetary amount (said sensor) to be the subject of select transactions . |
US6308887B1 CLAIM 12 . The transaction network of claim 10 wherein said sensor (monetary amount) comprises a magnetic ink character recognition reader . US6308887B1 CLAIM 42 . A method for performing transactions with at least one of a plurality of destination computers from a transaction terminal through a host computer , each of the destination computers communicating with said transaction terminal via said host computer , said method comprising the steps of : receiving at least one transaction request (conducting transactions) from a user through said transaction terminal ; providing a transaction request message to said host reflecting said at least one transaction request ; parsing said transaction request message into plural transaction components corresponding to respective ones of said plurality of destination computers ; identifying dependencies between said plural transaction components ; and communicating with said plurality of destination computers in an order defined at least in part by said dependencies . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6349290B1 Filed: 1999-06-30 Issued: 2002-02-19 Automated system and method for customized and personalized presentation of products and services of a financial institution (Original Assignee) Citibank NA (Current Assignee) Citibank NA Edward Horowitz, Mark Ambrose, Michael Fetta, Steve Hakim, Michael Kaufman, David Robinson |
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| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
US6349290B1 CLAIM 11 . The method of claim 10 , wherein automatically analyzing the data further comprises automatically reading the data by the advice engine from at least one category of financial institution data selected from a group consisting of presentation data , marketing and business rules data , and customer profile (customer profile) data . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (business rules) , and a monetary amount to be the subject of select transactions . |
US6349290B1 CLAIM 11 . The method of claim 10 , wherein automatically analyzing the data further comprises automatically reading the data by the advice engine from at least one category of financial institution data selected from a group consisting of presentation data , marketing and business rules (conducting transactions) data , and customer profile data . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
US6349290B1 CLAIM 11 . The method of claim 10 , wherein automatically analyzing the data further comprises automatically reading the data by the advice engine from at least one category of financial institution data selected from a group consisting of presentation data , marketing and business rules data , and customer profile (customer profile) data . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (business rules) , and a monetary amount to be the subject of select transactions . |
US6349290B1 CLAIM 11 . The method of claim 10 , wherein automatically analyzing the data further comprises automatically reading the data by the advice engine from at least one category of financial institution data selected from a group consisting of presentation data , marketing and business rules (conducting transactions) data , and customer profile data . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
US6349290B1 CLAIM 11 . The method of claim 10 , wherein automatically analyzing the data further comprises automatically reading the data by the advice engine from at least one category of financial institution data selected from a group consisting of presentation data , marketing and business rules data , and customer profile (customer profile) data . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (business rules) , and a monetary amount to be the subject of select transactions . |
US6349290B1 CLAIM 11 . The method of claim 10 , wherein automatically analyzing the data further comprises automatically reading the data by the advice engine from at least one category of financial institution data selected from a group consisting of presentation data , marketing and business rules (conducting transactions) data , and customer profile data . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | EP0961249A2 Filed: 1999-04-30 Issued: 1999-12-01 System configuration where certain transaction devices are run through browser interface to HTTP and other devices are run responsive to messages in ATM legacy system (Original Assignee) Diebold Inc (Current Assignee) Diebold Nixdorf Inc Dale Blackson, James Church, Bob A. Cichon, Jay Paul Drummond, Joseph C. Ess, Mark A. Moales, Bruce G. Richards, Mark D. Smith, David W. Weis |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
EP0961249A2 CLAIM 6 The method according to claim 5 and further comprising the steps of : (d) operating a second transaction (select transactions) function device on the machine responsive to operation of the first transaction (select transactions) function device ; (e) accessing a second HTML document including second instructions with the browser , responsive to operation of the second transaction function device ; and (f) controlling the output device responsive to the instructions included in the second HTML document . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
EP0961249A2 CLAIM 6 The method according to claim 5 and further comprising the steps of : (d) operating a second transaction (select transactions) function device on the machine responsive to operation of the first transaction (select transactions) function device ; (e) accessing a second HTML document including second instructions with the browser , responsive to operation of the second transaction function device ; and (f) controlling the output device responsive to the instructions included in the second HTML document . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction, first transaction) . |
EP0961249A2 CLAIM 6 The method according to claim 5 and further comprising the steps of : (d) operating a second transaction (select transactions) function device on the machine responsive to operation of the first transaction (select transactions) function device ; (e) accessing a second HTML document including second instructions with the browser , responsive to operation of the second transaction function device ; and (f) controlling the output device responsive to the instructions included in the second HTML document . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6609102B2 Filed: 1999-04-16 Issued: 2003-08-19 Universal interactive advertizing and payment system for public access electronic commerce and business related products and services (Original Assignee) USA Technologies Inc (Current Assignee) USA Technologies Inc H. Brock Kolls |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (wireless device, remote location) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6609102B2 CLAIM 1 . A public access electronic commerce terminal for allowing a user to select and purchase a vending of at least one product or service having a purchase price through a vending machine , displaying at least one targeted advertisement having a routing criteria and for facilitating one or more electronic commerce transactions , said public access electronic commerce terminal comprising : a display device ; a plurality of networking means adapted for communicating with Internet and non-internet networks for interconnecting said public access electronic commerce terminal to at least one of the following : a network system , a plurality of remote location (wireless device) s including at least one online service location , or at least one universal server ; identification means for accepting a plurality of identification inputs associated with said user for transmission through said networking means to effectuate selectively a dynamic identification interchange of is said plurality of identification inputs ; a controller interconnected to said plurality of networking means and to said identification means for determining whether said dynamic identification interchange is required , obtaining authorization for said vending , controlling said vending of products from/services through said vending machine , interpreting said routing criteria for said at least one targeted advertisement , and storing said at least one targeted advertisement for display on said display device based upon said interpreted routing criteria ; a user input device interconnected to said controller adapted for selecting a product or service to vend , responding to said at least one targeted advertisement , accessing said at least one online service location and effectuating said one or more electronic commerce transactions ; an equipment control interface interconnected to said controller for interfacing said public access electronic terminal to said vending machine ; first determining means for determining whether a period of non-use of said electronic commerce terminal has occurred ; second determining means for determining if said period of non-use exceeds a predetermined time period and generating an output signal ; generating means for generating an error message based on said output signal from said second determining means ; a third determining means for determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded and generating an output based on said determination ; reauthorizing means for reauthorizing said user based on said output of said third determining means ; and reprocessing means for reprocessing said transaction data based on said reauthorization . US6609102B2 CLAIM 15 . The public access electronic commerce terminal in accordance with claim 1 , wherein said public access electronic commerce terminal further comprises : a wireless communication means interconnected with said controller for interfacing a wireless device (wireless device) to said public access electronic commerce terminal , said wireless device communicates at least one of the following : said plurality of identification inputs , with said plurality of remote locations , and said plurality of universal servers . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (debit card terminal) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US6609102B2 CLAIM 6 . The public access electronic commerce terminal in accordance with claim 3 , wherein said transaction control device is a debit card terminal (customer name) . US6609102B2 CLAIM 25 . A method of using a public access electronic commerce terminal connected to a vending machine for allowing a user to select and purchase a vending of at least one product or service having a purchase price through a vending machine , displaying at least one targeted advertisement having a routing criteria , and for facilitating one or more electronic commerce transactions , the method comprising : a) communicating with at least one internet or non-internet network to interconnect said public access electronic commerce terminal to at least one of the following : a network system , a plurality of remote locations including at least one online service location , or at least one universal server ; b) accepting a plurality of identification inputs at said public access electronic commerce terminal from said user and associated with said user for transmission through said at least one internet or non-internet network ; c) effectuating selectively a dynamic identification interchange of said plurality of identification inputs from said at least one internet or non-internet network with at least one of the following : said plurality of remote locations , said network system , or said at least one universal server ; d) authorizing said user to transact the vending of products or services from said vending machine or transacting said one or more electronic commerce transactions ; e) determining if said user qualifies for special pricing or a promotional offer based on said dynamic identification interchange ; f) controlling selectively by said public access electronic commerce terminal the dispensing of products or services from said vending machine ; g) interpreting said routing criteria for said at least one targeted advertisement ; h) storing said at least one targeted advertisement for display based upon said interpreted routing criteria ; i) controlling selectively by said public access electronic commerce terminal the display of said stored at least one targeted advertisement , and the transacting of said one or more electronic commerce transactions ; j) effectuating the payment or transaction processing (select transactions) for products or services vended through said vending machine ; k) determining whether a period of non-use of said electronic commerce terminal has occurred ; l) determining if said period of non-use exceeds a predetermined time period ; m) generating an error message based on said determination of step l) : n) determining if at least one of a system limit and an authorization limit of a user is at least one of reached and exceeded ; o) reauthorizing the user based on said determination in step n) ; and p) reprocessing said transaction data based on said reauthorization . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (bar code) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (wireless device, remote location) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6609102B2 CLAIM 1 . A public access electronic commerce terminal for allowing a user to select and purchase a vending of at least one product or service having a purchase price through a vending machine , displaying at least one targeted advertisement having a routing criteria and for facilitating one or more electronic commerce transactions , said public access electronic commerce terminal comprising : a display device ; a plurality of networking means adapted for communicating with Internet and non-internet networks for interconnecting said public access electronic commerce terminal to at least one of the following : a network system , a plurality of remote location (wireless device) s including at least one online service location , or at least one universal server ; identification means for accepting a plurality of identification inputs associated with said user for transmission through said networking means to effectuate selectively a dynamic identification interchange of is said plurality of identification inputs ; a controller interconnected to said plurality of networking means and to said identification means for determining whether said dynamic identification interchange is required , obtaining authorization for said vending , controlling said vending of products from/services through said vending machine , interpreting said routing criteria for said at least one targeted advertisement , and storing said at least one targeted advertisement for display on said display device based upon said interpreted routing criteria ; a user input device interconnected to said controller adapted for selecting a product or service to vend , responding to said at least one targeted advertisement , accessing said at least one online service location and effectuating said one or more electronic commerce transactions ; an equipment control interface interconnected to said controller for interfacing said public access electronic terminal to said vending machine ; first determining means for determining whether a period of non-use of said electronic commerce terminal has occurred ; second determining means for determining if said period of non-use exceeds a predetermined time period and generating an output signal ; generating means for generating an error message based on said output signal from said second determining means ; a third determining means for determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded and generating an output based on said determination ; reauthorizing means for reauthorizing said user based on said output of said third determining means ; and reprocessing means for reprocessing said transaction data based on said reauthorization . US6609102B2 CLAIM 4 . The public access electronic commerce terminal in accordance with claim 2 , wherein said interactive user response system comprises at least one of the following : an infrared communication means , a keypad , a touch screen , a microphone , a camera , a smart card reader/writer , a magnetic card reader/writer , a debit card or prepaid card reader/writer , a room key or room card interface , a voice or handwriting capture and recognition means for accepting said user voice or handwriting , a bar code (computer systems) reader , or a biometric input means . US6609102B2 CLAIM 15 . The public access electronic commerce terminal in accordance with claim 1 , wherein said public access electronic commerce terminal further comprises : a wireless communication means interconnected with said controller for interfacing a wireless device (wireless device) to said public access electronic commerce terminal , said wireless device communicates at least one of the following : said plurality of identification inputs , with said plurality of remote locations , and said plurality of universal servers . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (debit card terminal) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US6609102B2 CLAIM 6 . The public access electronic commerce terminal in accordance with claim 3 , wherein said transaction control device is a debit card terminal (customer name) . US6609102B2 CLAIM 25 . A method of using a public access electronic commerce terminal connected to a vending machine for allowing a user to select and purchase a vending of at least one product or service having a purchase price through a vending machine , displaying at least one targeted advertisement having a routing criteria , and for facilitating one or more electronic commerce transactions , the method comprising : a) communicating with at least one internet or non-internet network to interconnect said public access electronic commerce terminal to at least one of the following : a network system , a plurality of remote locations including at least one online service location , or at least one universal server ; b) accepting a plurality of identification inputs at said public access electronic commerce terminal from said user and associated with said user for transmission through said at least one internet or non-internet network ; c) effectuating selectively a dynamic identification interchange of said plurality of identification inputs from said at least one internet or non-internet network with at least one of the following : said plurality of remote locations , said network system , or said at least one universal server ; d) authorizing said user to transact the vending of products or services from said vending machine or transacting said one or more electronic commerce transactions ; e) determining if said user qualifies for special pricing or a promotional offer based on said dynamic identification interchange ; f) controlling selectively by said public access electronic commerce terminal the dispensing of products or services from said vending machine ; g) interpreting said routing criteria for said at least one targeted advertisement ; h) storing said at least one targeted advertisement for display based upon said interpreted routing criteria ; i) controlling selectively by said public access electronic commerce terminal the display of said stored at least one targeted advertisement , and the transacting of said one or more electronic commerce transactions ; j) effectuating the payment or transaction processing (select transactions) for products or services vended through said vending machine ; k) determining whether a period of non-use of said electronic commerce terminal has occurred ; l) determining if said period of non-use exceeds a predetermined time period ; m) generating an error message based on said determination of step l) : n) determining if at least one of a system limit and an authorization limit of a user is at least one of reached and exceeded ; o) reauthorizing the user based on said determination in step n) ; and p) reprocessing said transaction data based on said reauthorization . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (bar code) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (wireless device, remote location) , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6609102B2 CLAIM 1 . A public access electronic commerce terminal for allowing a user to select and purchase a vending of at least one product or service having a purchase price through a vending machine , displaying at least one targeted advertisement having a routing criteria and for facilitating one or more electronic commerce transactions , said public access electronic commerce terminal comprising : a display device ; a plurality of networking means adapted for communicating with Internet and non-internet networks for interconnecting said public access electronic commerce terminal to at least one of the following : a network system , a plurality of remote location (wireless device) s including at least one online service location , or at least one universal server ; identification means for accepting a plurality of identification inputs associated with said user for transmission through said networking means to effectuate selectively a dynamic identification interchange of is said plurality of identification inputs ; a controller interconnected to said plurality of networking means and to said identification means for determining whether said dynamic identification interchange is required , obtaining authorization for said vending , controlling said vending of products from/services through said vending machine , interpreting said routing criteria for said at least one targeted advertisement , and storing said at least one targeted advertisement for display on said display device based upon said interpreted routing criteria ; a user input device interconnected to said controller adapted for selecting a product or service to vend , responding to said at least one targeted advertisement , accessing said at least one online service location and effectuating said one or more electronic commerce transactions ; an equipment control interface interconnected to said controller for interfacing said public access electronic terminal to said vending machine ; first determining means for determining whether a period of non-use of said electronic commerce terminal has occurred ; second determining means for determining if said period of non-use exceeds a predetermined time period and generating an output signal ; generating means for generating an error message based on said output signal from said second determining means ; a third determining means for determining if at least one of a system limit and a authorization limit of said user is at least one of reached and exceeded and generating an output based on said determination ; reauthorizing means for reauthorizing said user based on said output of said third determining means ; and reprocessing means for reprocessing said transaction data based on said reauthorization . US6609102B2 CLAIM 4 . The public access electronic commerce terminal in accordance with claim 2 , wherein said interactive user response system comprises at least one of the following : an infrared communication means , a keypad , a touch screen , a microphone , a camera , a smart card reader/writer , a magnetic card reader/writer , a debit card or prepaid card reader/writer , a room key or room card interface , a voice or handwriting capture and recognition means for accepting said user voice or handwriting , a bar code (computer systems) reader , or a biometric input means . US6609102B2 CLAIM 15 . The public access electronic commerce terminal in accordance with claim 1 , wherein said public access electronic commerce terminal further comprises : a wireless communication means interconnected with said controller for interfacing a wireless device (wireless device) to said public access electronic commerce terminal , said wireless device communicates at least one of the following : said plurality of identification inputs , with said plurality of remote locations , and said plurality of universal servers . US6609102B2 CLAIM 24 . The public access electronic commerce terminal in accordance with claim 1 , wherein one (wherein one) of said plurality of identification inputs is a hotel room key/card . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (debit card terminal) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US6609102B2 CLAIM 6 . The public access electronic commerce terminal in accordance with claim 3 , wherein said transaction control device is a debit card terminal (customer name) . US6609102B2 CLAIM 25 . A method of using a public access electronic commerce terminal connected to a vending machine for allowing a user to select and purchase a vending of at least one product or service having a purchase price through a vending machine , displaying at least one targeted advertisement having a routing criteria , and for facilitating one or more electronic commerce transactions , the method comprising : a) communicating with at least one internet or non-internet network to interconnect said public access electronic commerce terminal to at least one of the following : a network system , a plurality of remote locations including at least one online service location , or at least one universal server ; b) accepting a plurality of identification inputs at said public access electronic commerce terminal from said user and associated with said user for transmission through said at least one internet or non-internet network ; c) effectuating selectively a dynamic identification interchange of said plurality of identification inputs from said at least one internet or non-internet network with at least one of the following : said plurality of remote locations , said network system , or said at least one universal server ; d) authorizing said user to transact the vending of products or services from said vending machine or transacting said one or more electronic commerce transactions ; e) determining if said user qualifies for special pricing or a promotional offer based on said dynamic identification interchange ; f) controlling selectively by said public access electronic commerce terminal the dispensing of products or services from said vending machine ; g) interpreting said routing criteria for said at least one targeted advertisement ; h) storing said at least one targeted advertisement for display based upon said interpreted routing criteria ; i) controlling selectively by said public access electronic commerce terminal the display of said stored at least one targeted advertisement , and the transacting of said one or more electronic commerce transactions ; j) effectuating the payment or transaction processing (select transactions) for products or services vended through said vending machine ; k) determining whether a period of non-use of said electronic commerce terminal has occurred ; l) determining if said period of non-use exceeds a predetermined time period ; m) generating an error message based on said determination of step l) : n) determining if at least one of a system limit and an authorization limit of a user is at least one of reached and exceeded ; o) reauthorizing the user based on said determination in step n) ; and p) reprocessing said transaction data based on said reauthorization . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6575359B1 Filed: 1999-04-05 Issued: 2003-06-10 System of automated teller machines (Original Assignee) NCR Corp (Current Assignee) NCR Corp Robert J. Tramontano |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US6575359B1 CLAIM 5 . Method according to claim 4 , and further comprising the step of : c) using a public-access packet-switched network to carry message traffic between ATMs and financial institutions (select transactions, monetary amount, conducting transactions) . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US6575359B1 CLAIM 5 . Method according to claim 4 , and further comprising the step of : c) using a public-access packet-switched network to carry message traffic between ATMs and financial institutions (select transactions, monetary amount, conducting transactions) . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (following steps) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6575359B1 CLAIM 1 . A method , comprising the following steps (data storage device) : a) receiving a telephone call from an ATM which is maintained by an owner ; b) receiving , via the telephone call , a first message which identifies a financial institution as destination ; c) delivering the first message to a packet-switched network , for delivery to the financial institution ; d) receiving , from the network , a second message , which originated from the financial institution and identifies the ATM as destination ; e) delivering the second message to the ATM , via a telephone call ; and f) determining whether the ATM issued money to a customer and , if so , i) crediting an account of the owner by a first amount ; and ii) debiting an account of the financial institution by a second amount . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US6575359B1 CLAIM 5 . Method according to claim 4 , and further comprising the step of : c) using a public-access packet-switched network to carry message traffic between ATMs and financial institutions (select transactions, monetary amount, conducting transactions) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6311165B1 Filed: 1999-01-12 Issued: 2001-10-30 Transaction processing systems (Original Assignee) NCR Corp (Current Assignee) NCR Corp Michael G. Coutts, Lee G. Dove |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (driver software) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6311165B1 CLAIM 1 . A banking or retail transaction network comprising a server and one or more transaction terminals , each of the transaction terminals containing a plurality of peripheral devices adapted to function as constituents of the transaction terminal operating through the server in the transaction network , wherein the server is arranged to store applications and driver software (computer system) for the peripheral devices and communication links are provided from the server to the peripheral devices so that the server and the peripheral devices can communicate independently of the transaction terminal to enable the applications and driver software to be downloaded directly from the server to the peripheral devices . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (bar code) , wherein each computer system (driver software) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6311165B1 CLAIM 1 . A banking or retail transaction network comprising a server and one or more transaction terminals , each of the transaction terminals containing a plurality of peripheral devices adapted to function as constituents of the transaction terminal operating through the server in the transaction network , wherein the server is arranged to store applications and driver software (computer system) for the peripheral devices and communication links are provided from the server to the peripheral devices so that the server and the peripheral devices can communicate independently of the transaction terminal to enable the applications and driver software to be downloaded directly from the server to the peripheral devices . US6311165B1 CLAIM 5 . A network according to claim 1 in which the peripheral devices are selected from the following peripheral devices , namely : a user interface , a card reader , a receipt printer , a cash dispenser , and a bar code (computer systems) scanner . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (bar code) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6311165B1 CLAIM 5 . A network according to claim 1 in which the peripheral devices are selected from the following peripheral devices , namely : a user interface , a card reader , a receipt printer , a cash dispenser , and a bar code (computer systems) scanner . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | JP2000132614A Filed: 1998-10-22 Issued: 2000-05-12 自動取引システム (Original Assignee) Oki Electric Ind Co Ltd; 沖電気工業株式会社 Atsushi Otsuki, 篤 大槻 |
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| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JP2000132614A CLAIM 1 【請求項１】 金融機関等の店舗に設置され、顧客の操 作により各種取引を受け付ける自動取引装置と、口座の 取引履歴等の顧客情報を蓄積・管理し、各種取引を実行 するホストコンピュータとを専用回線網で接続した自動 取引システムにおいて、 金融機関等の店舗に敷設した構内情報通信網に、インタ ーネットに接続するためのインターネット接続コンピュ ータと自動取引装置とを接続し、 自動取引装置には、インターネットに接続された顧客の コンピュータにアクセスするか否かの誘導メッセー (customer profile) ジを 表示して確認させる確認誘導手段を備え、 自動取引装置では、各種取引の操作処理中に顧客にアク セスの有無を判断させ、アクセスを希望した場合には、 顧客のコンピュータにログインするようにしたことを特 徴とする自動取引システム。 |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JP2000132614A CLAIM 1 【請求項１】 金融機関等の店舗に設置され、顧客の操 作により各種取引を受け付ける自動取引装置と、口座の 取引履歴等の顧客情報を蓄積・管理し、各種取引を実行 するホストコンピュータとを専用回線網で接続した自動 取引システムにおいて、 金融機関等の店舗に敷設した構内情報通信網に、インタ ーネットに接続するためのインターネット接続コンピュ ータと自動取引装置とを接続し、 自動取引装置には、インターネットに接続された顧客の コンピュータにアクセスするか否かの誘導メッセー (customer profile) ジを 表示して確認させる確認誘導手段を備え、 自動取引装置では、各種取引の操作処理中に顧客にアク セスの有無を判断させ、アクセスを希望した場合には、 顧客のコンピュータにログインするようにしたことを特 徴とする自動取引システム。 |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (システム) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JP2000132614A CLAIM 1 【請求項１】 金融機関等の店舗に設置され、顧客の操 作により各種取引を受け付ける自動取引装置と、口座の 取引履歴等の顧客情報を蓄積・管理し、各種取引を実行 するホストコンピュータとを専用回線網で接続した自動 取引システム (data storage device) において、 金融機関等の店舗に敷設した構内情報通信網に、インタ ーネットに接続するためのインターネット接続コンピュ ータと自動取引装置とを接続し、 自動取引装置には、インターネットに接続された顧客の コンピュータにアクセスするか否かの誘導メッセージを 表示して確認させる確認誘導手段を備え、 自動取引装置では、各種取引の操作処理中に顧客にアク セスの有無を判断させ、アクセスを希望した場合には、 顧客のコンピュータにログインするようにしたことを特 徴とする自動取引システム。 |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JP2000132614A CLAIM 1 【請求項１】 金融機関等の店舗に設置され、顧客の操 作により各種取引を受け付ける自動取引装置と、口座の 取引履歴等の顧客情報を蓄積・管理し、各種取引を実行 するホストコンピュータとを専用回線網で接続した自動 取引システムにおいて、 金融機関等の店舗に敷設した構内情報通信網に、インタ ーネットに接続するためのインターネット接続コンピュ ータと自動取引装置とを接続し、 自動取引装置には、インターネットに接続された顧客の コンピュータにアクセスするか否かの誘導メッセー (customer profile) ジを 表示して確認させる確認誘導手段を備え、 自動取引装置では、各種取引の操作処理中に顧客にアク セスの有無を判断させ、アクセスを希望した場合には、 顧客のコンピュータにログインするようにしたことを特 徴とする自動取引システム。 |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | WO9908215A1 Filed: 1998-08-04 Issued: 1999-02-18 A method and system for an electronic banking shop (Original Assignee) Citicorp Development Center, Inc. Sylvia Brasil Coutinho, Eugene Susumu Oishi, Mohammed Afzal Khan, Nhut Trung Ha |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (video teleconferencing) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9908215A1 CLAIM 32 . The method of claim 1 wherein said step of initiating a video communication further includes the step of using a two-way video teleconferencing (computer system) unit . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount to be the subject of select transactions (second bank) . |
WO9908215A1 CLAIM 2 . The method of claim 1 further comprising the step of the first banking representative transferring the user to second bank (select transactions) ing representative . WO9908215A1 CLAIM 13 . The method of claim 1 wherein the inputting step includes the step of providing a signature into an electronic signature (conducting transactions) capture device . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (video teleconferencing) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9908215A1 CLAIM 32 . The method of claim 1 wherein said step of initiating a video communication further includes the step of using a two-way video teleconferencing (computer system) unit . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount to be the subject of select transactions (second bank) . |
WO9908215A1 CLAIM 2 . The method of claim 1 further comprising the step of the first banking representative transferring the user to second bank (select transactions) ing representative . WO9908215A1 CLAIM 13 . The method of claim 1 wherein the inputting step includes the step of providing a signature into an electronic signature (conducting transactions) capture device . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount to be the subject of select transactions (second bank) . |
WO9908215A1 CLAIM 2 . The method of claim 1 further comprising the step of the first banking representative transferring the user to second bank (select transactions) ing representative . WO9908215A1 CLAIM 13 . The method of claim 1 wherein the inputting step includes the step of providing a signature into an electronic signature (conducting transactions) capture device . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | WO9905633A1 Filed: 1998-07-24 Issued: 1999-02-04 Automated credit card payment system (Original Assignee) Main Street Marketing Daniel A. Kern |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9905633A1 CLAIM 22 . The system of claim 21 , wherein said database (wireless device) selector selects a customer' ; s financial account dependent on at least one of : the customer' ; s rate of relative usage of financial accounts , the fees charged by the financial institutions for the customer' ; s financial accounts , and the historical success rates for the financial institutions for the customer' ; s financial accounts . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
WO9905633A1 CLAIM 1 WHAT IS CLAIMED IS : " ; 1 . A method for facilitating payment from a customer' ; s financial account to a payee , comprising the following steps : compiling in a first memory financial account information databases from a plurality of financial institutions (select transactions, monetary amount, conducting transactions) ; receiving and storing in a second memory a list of customers from at least one payee ; searching said financial account information databases for each customer on said list to locate corresponding customer financial account information ; and providing said corresponding customer financial account information to said payee . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9905633A1 CLAIM 22 . The system of claim 21 , wherein said database (wireless device) selector selects a customer' ; s financial account dependent on at least one of : the customer' ; s rate of relative usage of financial accounts , the fees charged by the financial institutions for the customer' ; s financial accounts , and the historical success rates for the financial institutions for the customer' ; s financial accounts . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
WO9905633A1 CLAIM 1 WHAT IS CLAIMED IS : " ; 1 . A method for facilitating payment from a customer' ; s financial account to a payee , comprising the following steps : compiling in a first memory financial account information databases from a plurality of financial institutions (select transactions, monetary amount, conducting transactions) ; receiving and storing in a second memory a list of customers from at least one payee ; searching said financial account information databases for each customer on said list to locate corresponding customer financial account information ; and providing said corresponding customer financial account information to said payee . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (following steps) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9905633A1 CLAIM 1 WHAT IS CLAIMED IS : " ; 1 . A method for facilitating payment from a customer' ; s financial account to a payee , comprising the following steps (data storage device) : compiling in a first memory financial account information databases from a plurality of financial institutions ; receiving and storing in a second memory a list of customers from at least one payee ; searching said financial account information databases for each customer on said list to locate corresponding customer financial account information ; and providing said corresponding customer financial account information to said payee . WO9905633A1 CLAIM 22 . The system of claim 21 , wherein said database (wireless device) selector selects a customer' ; s financial account dependent on at least one of : the customer' ; s rate of relative usage of financial accounts , the fees charged by the financial institutions for the customer' ; s financial accounts , and the historical success rates for the financial institutions for the customer' ; s financial accounts . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
WO9905633A1 CLAIM 1 WHAT IS CLAIMED IS : " ; 1 . A method for facilitating payment from a customer' ; s financial account to a payee , comprising the following steps : compiling in a first memory financial account information databases from a plurality of financial institutions (select transactions, monetary amount, conducting transactions) ; receiving and storing in a second memory a list of customers from at least one payee ; searching said financial account information databases for each customer on said list to locate corresponding customer financial account information ; and providing said corresponding customer financial account information to said payee . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | WO9908214A2 Filed: 1998-07-21 Issued: 1999-02-18 System for displaying information on distributed automated transaction machines (Original Assignee) Øtr Økonomisk Transaksjons Reklame As Finn Viggo Amundsen |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server (such messages) coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (very time) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9908214A2 CLAIM 6 . A system according to one of the preceding claims , characterized in that the local unit (1) comprise a computer (9) which , every time (wireless device) an information message has to be displayed , selects from the messages it has received from the central unit (4) on the basis of conditions received from the central unit (4) and available information on the extent to which these conditions have been fulfilled . WO9908214A2 CLAIM 7 . A system according to one of the preceding claims , characterized in that a local unit (1) is connected to a plurality of automated transaction devices (2) in a geographically relatively limited area , such as , for example , a shopping centre , and supplies information messages to the automated transaction devices (2) connected thereto when they signal that they are ready to receive and display such messages (multi-channel server) . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction devices) , and a monetary amount (transaction devices) to be the subject of select transactions . |
WO9908214A2 CLAIM 1 . A system for displaying a message on automated transaction devices (monetary amount, conducting transactions) (2) with a screen (11) , such as automated banks , automatic ticket machines and the like , where in periods of time or areas of the screen which are not used in connection with any ongoing transaction , the screen (1 1) is employed for displaying a message , where the system consists of one or more central units (4 ; 7) and one or more local units (1) , and where each local unit (1) includes means for controlling display of information messages on one or more automated transaction devices (2) and is permanently or connectably coupled to at least one central unit (4) , characterized in that - at least one central unit (4) comprises an information database which contains the information messages that are required to be displayed , these information messages being independent of the ongoing transaction , - at least one central unit (4) contains specified conditions for when and how the individual information message in the information database should be displayed , -at least one central unit (4) comprises means (3) for transferring said information messages and possibly said specifications to the local units (1) , - the local units (1) comprise means for determining the identity of a user of the automated transaction device (2) , or at least for retrieving pre-defined information about said user , and possibly means for retrieving other data concerning the surroundings , together with means for recording and storing statistical data concerning the use of the automated transaction devices and the presentations of the messages , - the local units (1) comprise means (3) for transferring such data to one or more central units (4) , - the local units (1) and/or the central units (4) comprise means for selecting which of the available information messages should be displayed at any time by comparing said retrieved data with said specifications for each individual information message , and - the central unit (4) may comprise means for selecting on the basis of the statistical data received from the local unit (1) which information messages should be transferred to the local units (1) and/or for altering the specified conditions for when and where the individual information message in the information database should be displayed . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server (such messages) coupled to one or more e-banking touch points and also coupled to one or more computer systems (control system) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (very time) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9908214A2 CLAIM 6 . A system according to one of the preceding claims , characterized in that the local unit (1) comprise a computer (9) which , every time (wireless device) an information message has to be displayed , selects from the messages it has received from the central unit (4) on the basis of conditions received from the central unit (4) and available information on the extent to which these conditions have been fulfilled . WO9908214A2 CLAIM 7 . A system according to one of the preceding claims , characterized in that a local unit (1) is connected to a plurality of automated transaction devices (2) in a geographically relatively limited area , such as , for example , a shopping centre , and supplies information messages to the automated transaction devices (2) connected thereto when they signal that they are ready to receive and display such messages (multi-channel server) . WO9908214A2 CLAIM 1 1 . A system according to claim 8 or 9 , characterized in that the detection of pauses is carried out by programming (B) the automated transaction device' ; s control system (computer systems) (15) to signal when the automated transaction device (2) is in a pause . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction devices) , and a monetary amount (transaction devices) to be the subject of select transactions . |
WO9908214A2 CLAIM 1 . A system for displaying a message on automated transaction devices (monetary amount, conducting transactions) (2) with a screen (11) , such as automated banks , automatic ticket machines and the like , where in periods of time or areas of the screen which are not used in connection with any ongoing transaction , the screen (1 1) is employed for displaying a message , where the system consists of one or more central units (4 ; 7) and one or more local units (1) , and where each local unit (1) includes means for controlling display of information messages on one or more automated transaction devices (2) and is permanently or connectably coupled to at least one central unit (4) , characterized in that - at least one central unit (4) comprises an information database which contains the information messages that are required to be displayed , these information messages being independent of the ongoing transaction , - at least one central unit (4) contains specified conditions for when and how the individual information message in the information database should be displayed , -at least one central unit (4) comprises means (3) for transferring said information messages and possibly said specifications to the local units (1) , - the local units (1) comprise means for determining the identity of a user of the automated transaction device (2) , or at least for retrieving pre-defined information about said user , and possibly means for retrieving other data concerning the surroundings , together with means for recording and storing statistical data concerning the use of the automated transaction devices and the presentations of the messages , - the local units (1) comprise means (3) for transferring such data to one or more central units (4) , - the local units (1) and/or the central units (4) comprise means for selecting which of the available information messages should be displayed at any time by comparing said retrieved data with said specifications for each individual information message , and - the central unit (4) may comprise means for selecting on the basis of the statistical data received from the local unit (1) which information messages should be transferred to the local units (1) and/or for altering the specified conditions for when and where the individual information message in the information database should be displayed . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server (such messages) , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (control system) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (very time) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9908214A2 CLAIM 6 . A system according to one of the preceding claims , characterized in that the local unit (1) comprise a computer (9) which , every time (wireless device) an information message has to be displayed , selects from the messages it has received from the central unit (4) on the basis of conditions received from the central unit (4) and available information on the extent to which these conditions have been fulfilled . WO9908214A2 CLAIM 7 . A system according to one of the preceding claims , characterized in that a local unit (1) is connected to a plurality of automated transaction devices (2) in a geographically relatively limited area , such as , for example , a shopping centre , and supplies information messages to the automated transaction devices (2) connected thereto when they signal that they are ready to receive and display such messages (multi-channel server) . WO9908214A2 CLAIM 1 1 . A system according to claim 8 or 9 , characterized in that the detection of pauses is carried out by programming (B) the automated transaction device' ; s control system (computer systems) (15) to signal when the automated transaction device (2) is in a pause . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction devices) , and a monetary amount (transaction devices) to be the subject of select transactions . |
WO9908214A2 CLAIM 1 . A system for displaying a message on automated transaction devices (monetary amount, conducting transactions) (2) with a screen (11) , such as automated banks , automatic ticket machines and the like , where in periods of time or areas of the screen which are not used in connection with any ongoing transaction , the screen (1 1) is employed for displaying a message , where the system consists of one or more central units (4 ; 7) and one or more local units (1) , and where each local unit (1) includes means for controlling display of information messages on one or more automated transaction devices (2) and is permanently or connectably coupled to at least one central unit (4) , characterized in that - at least one central unit (4) comprises an information database which contains the information messages that are required to be displayed , these information messages being independent of the ongoing transaction , - at least one central unit (4) contains specified conditions for when and how the individual information message in the information database should be displayed , -at least one central unit (4) comprises means (3) for transferring said information messages and possibly said specifications to the local units (1) , - the local units (1) comprise means for determining the identity of a user of the automated transaction device (2) , or at least for retrieving pre-defined information about said user , and possibly means for retrieving other data concerning the surroundings , together with means for recording and storing statistical data concerning the use of the automated transaction devices and the presentations of the messages , - the local units (1) comprise means (3) for transferring such data to one or more central units (4) , - the local units (1) and/or the central units (4) comprise means for selecting which of the available information messages should be displayed at any time by comparing said retrieved data with said specifications for each individual information message , and - the central unit (4) may comprise means for selecting on the basis of the statistical data received from the local unit (1) which information messages should be transferred to the local units (1) and/or for altering the specified conditions for when and where the individual information message in the information database should be displayed . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6615189B1 Filed: 1998-06-22 Issued: 2003-09-02 Debit purchasing of stored value card for use by and/or delivery to others (Original Assignee) Bank One Delaware NA (Current Assignee) JPMorgan Chase Bank NA Gregory Joseph Phillips, Rebecca Deporte, Jeffery A. Norwine, Penny B. Joines |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (monetary amount) to be the subject of select transactions . |
US6615189B1 CLAIM 3 . The computer implemented method according to claim 1 , where the independent stored value card account contains a monetary amount (monetary amount) determined by the individual purchaser . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (monetary amount) to be the subject of select transactions . |
US6615189B1 CLAIM 3 . The computer implemented method according to claim 1 , where the independent stored value card account contains a monetary amount (monetary amount) determined by the individual purchaser . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (monetary amount) to be the subject of select transactions . |
US6615189B1 CLAIM 3 . The computer implemented method according to claim 1 , where the independent stored value card account contains a monetary amount (monetary amount) determined by the individual purchaser . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6129274A Filed: 1998-06-09 Issued: 2000-10-10 System and method for updating shopping transaction history using electronic personal digital shopping assistant (Original Assignee) Fujitsu Ltd (Current Assignee) Fujitsu Ltd Hikaru Suzuki |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices (electrical contacts, based control) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (writer unit) (writer unit) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6129274A CLAIM 1 . An electronic personal shopping system for use in a retail facility , the system comprising : a portable machine-readable personal memory store including a plurality of non-volatile data storage areas , the data storage areas partitioned to define a first portion containing customer specific demographic profile information , the personal memory store further partitioned to define a second portion containing information identifying a customer' ; s transaction history and at least a third portion for storing a current incentive indicia , wherein the transaction history includes information on each item most recently purchased by the customer ; at least a point-of-sale terminal , the terminal including ; a personal memory store interface unit capable of reading , writing and editing said demographic profile , transaction history and incentive indicia information of a personal memory store ; an output device capable of outputting said demographic profile , transaction history and incentive indicia information ; a microprocessor based control (touch point devices) unit , coupled between the interface unit and the output device , the control unit managing information transfer and data processing under application software program control , the control unit including transaction circuitry for editing and updating transaction history data to reflect a customer' ; s most recent transactions and for editing and updating current incentive indicia data to reflect a customer' ; s most recent transactions , the transaction circuitry further for determining whether a particular customer' ; s most recent transactions qualify that customer for an incentive award ; and wherein , the updated transaction history data and updated current incentive indicia data processed by the transaction circuitry are written to the second and third data storage area portions of the personal memory store by the interface unit , thereby maintaining the transaction history and incentive indicia data stored in the data storage areas in an up-to-date condition reflecting the customer' ; s most recent transactions . US6129274A CLAIM 4 . The electronic personal shopping system according to claim 3 , the contact-type smart card comprising a magnetic media defining the non-volatile data storage areas , the interface unit comprising a magnetic media reader/writer unit (self service coin counter, service coin counter) configured to interface with the card . US6129274A CLAIM 5 . The electronic personal shopping system according to claim 3 , the contact-type smart card further comprising : at least a non-volatile integrated circuit memory element defining the non-volatile data storage areas ; a plurality of electrical contacts (touch point devices) ; and wherein , the interface unit is constructed to mate with said contact so as to read and write information from and to said memory element . US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (particular customer) to be the subject of select transactions . |
US6129274A CLAIM 1 . An electronic personal shopping system for use in a retail facility , the system comprising : a portable machine-readable personal memory store including a plurality of non-volatile data storage areas , the data storage areas partitioned to define a first portion containing customer specific demographic profile information , the personal memory store further partitioned to define a second portion containing information identifying a customer' ; s transaction history and at least a third portion for storing a current incentive indicia , wherein the transaction history includes information on each item most recently purchased by the customer ; at least a point-of-sale terminal , the terminal including ; a personal memory store interface unit capable of reading , writing and editing said demographic profile , transaction history and incentive indicia information of a personal memory store ; an output device capable of outputting said demographic profile , transaction history and incentive indicia information ; a microprocessor based control unit , coupled between the interface unit and the output device , the control unit managing information transfer and data processing under application software program control , the control unit including transaction circuitry for editing and updating transaction history data to reflect a customer' ; s most recent transactions and for editing and updating current incentive indicia data to reflect a customer' ; s most recent transactions , the transaction circuitry further for determining whether a particular customer (monetary amount) ' ; s most recent transactions qualify that customer for an incentive award ; and wherein , the updated transaction history data and updated current incentive indicia data processed by the transaction circuitry are written to the second and third data storage area portions of the personal memory store by the interface unit , thereby maintaining the transaction history and incentive indicia data stored in the data storage areas in an up-to-date condition reflecting the customer' ; s most recent transactions . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (particular customer) to be the subject of select transactions . |
US6129274A CLAIM 1 . An electronic personal shopping system for use in a retail facility , the system comprising : a portable machine-readable personal memory store including a plurality of non-volatile data storage areas , the data storage areas partitioned to define a first portion containing customer specific demographic profile information , the personal memory store further partitioned to define a second portion containing information identifying a customer' ; s transaction history and at least a third portion for storing a current incentive indicia , wherein the transaction history includes information on each item most recently purchased by the customer ; at least a point-of-sale terminal , the terminal including ; a personal memory store interface unit capable of reading , writing and editing said demographic profile , transaction history and incentive indicia information of a personal memory store ; an output device capable of outputting said demographic profile , transaction history and incentive indicia information ; a microprocessor based control unit , coupled between the interface unit and the output device , the control unit managing information transfer and data processing under application software program control , the control unit including transaction circuitry for editing and updating transaction history data to reflect a customer' ; s most recent transactions and for editing and updating current incentive indicia data to reflect a customer' ; s most recent transactions , the transaction circuitry further for determining whether a particular customer (monetary amount) ' ; s most recent transactions qualify that customer for an incentive award ; and wherein , the updated transaction history data and updated current incentive indicia data processed by the transaction circuitry are written to the second and third data storage area portions of the personal memory store by the interface unit , thereby maintaining the transaction history and incentive indicia data stored in the data storage areas in an up-to-date condition reflecting the customer' ; s most recent transactions . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (said memory) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6129274A CLAIM 5 . The electronic personal shopping system according to claim 3 , the contact-type smart card further comprising : at least a non-volatile integrated circuit memory element defining the non-volatile data storage areas ; a plurality of electrical contacts ; and wherein , the interface unit is constructed to mate with said contact so as to read and write information from and to said memory (data storage device) element . US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (particular customer) to be the subject of select transactions . |
US6129274A CLAIM 1 . An electronic personal shopping system for use in a retail facility , the system comprising : a portable machine-readable personal memory store including a plurality of non-volatile data storage areas , the data storage areas partitioned to define a first portion containing customer specific demographic profile information , the personal memory store further partitioned to define a second portion containing information identifying a customer' ; s transaction history and at least a third portion for storing a current incentive indicia , wherein the transaction history includes information on each item most recently purchased by the customer ; at least a point-of-sale terminal , the terminal including ; a personal memory store interface unit capable of reading , writing and editing said demographic profile , transaction history and incentive indicia information of a personal memory store ; an output device capable of outputting said demographic profile , transaction history and incentive indicia information ; a microprocessor based control unit , coupled between the interface unit and the output device , the control unit managing information transfer and data processing under application software program control , the control unit including transaction circuitry for editing and updating transaction history data to reflect a customer' ; s most recent transactions and for editing and updating current incentive indicia data to reflect a customer' ; s most recent transactions , the transaction circuitry further for determining whether a particular customer (monetary amount) ' ; s most recent transactions qualify that customer for an incentive award ; and wherein , the updated transaction history data and updated current incentive indicia data processed by the transaction circuitry are written to the second and third data storage area portions of the personal memory store by the interface unit , thereby maintaining the transaction history and incentive indicia data stored in the data storage areas in an up-to-date condition reflecting the customer' ; s most recent transactions . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (action information) is classified as being one or more of current or approved content . |
US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (action information) is transmitted during said active session . |
US6129274A CLAIM 10 . The electronic personal shopping system according to claim 1 , the transaction circuitry comprising shopping history processing means for evaluating purchase item information of items being purchased and for providing transaction information (marketing content) to the interface unit for writing to the personal memory store . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | WO9856154A1 Filed: 1998-05-14 Issued: 1998-12-10 Communications system for delivering promotional messages (Original Assignee) Broadpoint Communications, Inc. Alexandre P. Kamel, Akram Y. Abdelrahman |
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| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
WO9856154A1 CLAIM 3 Claim 3 . A telecommunications system as claimed in Claim 2 , further comprising a message bank for storing data indicative of said promotional messages , and a customer profile (customer profile) bank for storing said profile data . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (bank access) , and a monetary amount (bank access) to be the subject of select transactions (bank access) . |
WO9856154A1 CLAIM 32 Claim 32 . A telecommunications system as claimed in Claim 31 , further comprising means for executing a forward replenishment routine in which said control facility initiates off-line downloading of data indicative of promotional messages from said control facility to said local message bank , and for executing a reverse replenishment routine in which said local message bank access (select transactions, monetary amount, conducting transactions) es said control facility for off-line downloading of data indicative of promotional messages when a number of promotional messages indicated by the data stored therein falls below a preset queue level . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
WO9856154A1 CLAIM 3 Claim 3 . A telecommunications system as claimed in Claim 2 , further comprising a message bank for storing data indicative of said promotional messages , and a customer profile (customer profile) bank for storing said profile data . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (bank access) , and a monetary amount (bank access) to be the subject of select transactions (bank access) . |
WO9856154A1 CLAIM 32 Claim 32 . A telecommunications system as claimed in Claim 31 , further comprising means for executing a forward replenishment routine in which said control facility initiates off-line downloading of data indicative of promotional messages from said control facility to said local message bank , and for executing a reverse replenishment routine in which said local message bank access (select transactions, monetary amount, conducting transactions) es said control facility for off-line downloading of data indicative of promotional messages when a number of promotional messages indicated by the data stored therein falls below a preset queue level . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (order r) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9856154A1 CLAIM 5 Claim 5 . A telecommunications system as claimed in Claim 4 , further comprising means for presorting the plural data according to coding logic received from an external source , wherein said plural data are retrieved from the queue storage positions based on an order r (data storage device) esulting from said presorting . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
WO9856154A1 CLAIM 3 Claim 3 . A telecommunications system as claimed in Claim 2 , further comprising a message bank for storing data indicative of said promotional messages , and a customer profile (customer profile) bank for storing said profile data . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (bank access) , and a monetary amount (bank access) to be the subject of select transactions (bank access) . |
WO9856154A1 CLAIM 32 Claim 32 . A telecommunications system as claimed in Claim 31 , further comprising means for executing a forward replenishment routine in which said control facility initiates off-line downloading of data indicative of promotional messages from said control facility to said local message bank , and for executing a reverse replenishment routine in which said local message bank access (select transactions, monetary amount, conducting transactions) es said control facility for off-line downloading of data indicative of promotional messages when a number of promotional messages indicated by the data stored therein falls below a preset queue level . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | GB2328532A Filed: 1998-01-30 Issued: 1999-02-24 Peripheral controller for an Internet transaction processing system (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp John Martin Flenley, Stuart Currie, Philip James Atkin |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (constituent components) of e-banking touch points are comprised of at least two different types (function key) of e-banking touch point devices (function key) , each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self service coin counter (Internet browser) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
GB2328532A CLAIM 1 . A transaction processing system for a web ATM including an Internet browser (self service coin counter) adapted to run a web application , the web application comprising one or more web pages , said transaction processing system including : a transaction manager running in a first process ; a peripheral controller component adapted to be instantiated from a web page , said peripheral controller including means for communicating transaction requests from said web application to said transaction manager ; and a set of service provider modules , each service provider module being adapted to relay transaction requests passed from said transaction manager to an associated hardware module . GB2328532A CLAIM 7 . A transaction processing system as claimed in claim 6 wherein said transaction manager is a Windows Open System Architecture (WOSA) manager , said transaction requests are WOSA calls and said manager is adapted to relay said WOSA calls to said server via said stub modules , said server being adapted to convert said WOSA calls into constituent components (one plurality, wherein one) , each component corresponding to a low level generic hardware function call . GB2328532A CLAIM 13 . An ATM as claimed in claim 11 wherein said user input means comprise one (comprise one) or more of a numeric keypad , a set of function key (different types, touch point devices) s and a touch screen and said peripheral controller comprises means for enabling an application to transmit transaction requests for said keypad , function keys and/or said touch screen to said transaction manager . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
GB2328532A CLAIM 13 . An ATM as claimed in claim 11 wherein said user input means comprise one (comprise one) or more of a numeric keypad , a set of function keys and a touch screen and said peripheral controller comprises means for enabling an application to transmit transaction requests for said keypad , function keys and/or said touch screen to said transaction manager . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
GB2328532A CLAIM 13 . An ATM as claimed in claim 11 wherein said user input means comprise one (comprise one) or more of a numeric keypad , a set of function keys and a touch screen and said peripheral controller comprises means for enabling an application to transmit transaction requests for said keypad , function keys and/or said touch screen to said transaction manager . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
GB2328532A CLAIM 13 . An ATM as claimed in claim 11 wherein said user input means comprise one (comprise one) or more of a numeric keypad , a set of function keys and a touch screen and said peripheral controller comprises means for enabling an application to transmit transaction requests for said keypad , function keys and/or said touch screen to said transaction manager . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (constituent components) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (said memory) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
GB2328532A CLAIM 3 . A transaction processing system as claimed in claim 2 wherein said first layer includes means for controlling an area of memory associated with said peripheral controller and means for selectively instantiating said second layer , on a first instantiation of the peripheral controller , said memory (data storage device) controlling means being adapted to control said area of memory to relay transaction request information to and from further instantiations of said peripheral controller . GB2328532A CLAIM 7 . A transaction processing system as claimed in claim 6 wherein said transaction manager is a Windows Open System Architecture (WOSA) manager , said transaction requests are WOSA calls and said manager is adapted to relay said WOSA calls to said server via said stub modules , said server being adapted to convert said WOSA calls into constituent components (one plurality, wherein one) , each component corresponding to a low level generic hardware function call . GB2328532A CLAIM 13 . An ATM as claimed in claim 11 wherein said user input means comprise one (comprise one) or more of a numeric keypad , a set of function keys and a touch screen and said peripheral controller comprises means for enabling an application to transmit transaction requests for said keypad , function keys and/or said touch screen to said transaction manager . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
GB2328532A CLAIM 13 . An ATM as claimed in claim 11 wherein said user input means comprise one (comprise one) or more of a numeric keypad , a set of function keys and a touch screen and said peripheral controller comprises means for enabling an application to transmit transaction requests for said keypad , function keys and/or said touch screen to said transaction manager . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6073119A Filed: 1997-12-03 Issued: 2000-06-06 Method and system for banking institution interactive center (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Credit Services Inc USA Sylvia Bornemisza-Wahr, Kevin Sy Lam, Frank McCallick, Roy Sinai, Peter Paradiso, Howard A. Schechtman, Kenneth J. Randall, Peter Tompkins, Teresa A. Petach |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (user-specific information, debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (to view) , and a monetary amount to be the subject of select transactions . |
US6073119A CLAIM 2 . The method of claim 1 wherein the enrolling step further comprises : the user providing user-specific information (customer name) ; and transmitting the user-specific information to a server on the first network . US6073119A CLAIM 5 . The method of claim 1 wherein issuing the user key access further includes authorizing a debit card (customer name) issued to the user . US6073119A CLAIM 22 . The method of claim 1 wherein selecting an interactive information service further includes : the user selecting an option to view (conducting transactions) banking related information ; and displaying on the terminal the banking related information . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (user-specific information, debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (to view) , and a monetary amount to be the subject of select transactions . |
US6073119A CLAIM 2 . The method of claim 1 wherein the enrolling step further comprises : the user providing user-specific information (customer name) ; and transmitting the user-specific information to a server on the first network . US6073119A CLAIM 5 . The method of claim 1 wherein issuing the user key access further includes authorizing a debit card (customer name) issued to the user . US6073119A CLAIM 22 . The method of claim 1 wherein selecting an interactive information service further includes : the user selecting an option to view (conducting transactions) banking related information ; and displaying on the terminal the banking related information . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (user-specific information, debit card) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (to view) , and a monetary amount to be the subject of select transactions . |
US6073119A CLAIM 2 . The method of claim 1 wherein the enrolling step further comprises : the user providing user-specific information (customer name) ; and transmitting the user-specific information to a server on the first network . US6073119A CLAIM 5 . The method of claim 1 wherein issuing the user key access further includes authorizing a debit card (customer name) issued to the user . US6073119A CLAIM 22 . The method of claim 1 wherein selecting an interactive information service further includes : the user selecting an option to view (conducting transactions) banking related information ; and displaying on the terminal the banking related information . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | WO9824041A1 Filed: 1997-11-25 Issued: 1998-06-04 Automated banking machine apparatus and system (Original Assignee) Diebold, Incorporated Jay Paul Drummond, Dale Blackson, Lilei Chen, Bob A. Cichon, Mark S. Covert, Bradrick Q. Lepper, Mark A. Moales, Mark D. Smith, Robert J. Lemley, Michael E. Califf, Jr., Shawn D. Joyce, Phillip S. Moore, Steven C. Swingler |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (said application) of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9824041A1 CLAIM 5 . The apparatus according to claim 4 wherein the software in the banking machine further comprises a device interfacing software portion , and wherein said device interfacing software portion is operative to interface with said sheet dispenser mechanism , wherein said application (different types) portion interfaces with said sheet dispenser mechanism through said device interfacing software portion , and wherein said device interfacing software portion communicates at a third IP port . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (said screening) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
WO9824041A1 CLAIM 27 . The apparatus according to claim 26 wherein said proxy server includes screening software , wherein said screening (customer name) software is operative to prevent the sending of the foreign message to at least one selected foreign address . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (said screening) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
WO9824041A1 CLAIM 27 . The apparatus according to claim 26 wherein said proxy server includes screening software , wherein said screening (customer name) software is operative to prevent the sending of the foreign message to at least one selected foreign address . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (said screening) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
WO9824041A1 CLAIM 27 . The apparatus according to claim 26 wherein said proxy server includes screening software , wherein said screening (customer name) software is operative to prevent the sending of the foreign message to at least one selected foreign address . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6304860B1 Filed: 1997-10-03 Issued: 2001-10-16 Automated debt payment system and method using ATM network (Original Assignee) Joseph B. Martin, Jr.; D. Allen Hinkle Joseph B. Martin, Jr., D. Allen Hinkle |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6304860B1 CLAIM 5 . A system for processing a debt payment on a consumer debt obligation using an ATM network comprising : debt servicer access means for communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator ; storage means connected with said debt servicer access means for storing said consumer debt obligation information in a computer database separate from said at least one debt servicer and associated with the third party facilitator ; ATM network access means connected with said storage means for transferring at least a portion of said consumer debt obligation information to an ATM network ; input means for receiving commands using an ATM network access device from a user identifying the consumer debt obligation ; database accessing means connected with said input means and said ATM network access means for accessing said computer database in response to said commands to retrieve at least a portion of said consumer debt obligation information from said database (wireless device) ; and transmission means connected with said data base accessing means for transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction requesting that funds be transferred from an account associated with said consumer to an account at a banking institution associated with said at least one debt servicer ; wherein said funds transferred from said account associated with said consumer to said at least one banking institution are divided into at least a first and second portion prior to being transferred to said banking institution and are transferred to at least two different accounts at said banking institution . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request, electronic credit, one bank) , and a monetary amount (transaction request, electronic credit, one bank) to be the subject of select transactions (transaction request, electronic credit, one bank) . |
US6304860B1 CLAIM 1 . A method of processing a debt payment on a consumer debt obligation using an ATM network comprising the steps of : communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator to effect future payments over an ATM network ; storing said consumer debt obligation information in a computer database separate from said at least one debt servicer ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; accessing said consumer debt obligation information to retrieve at least a portion of said consumer debt obligation information corresponding to said command information ; and transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction request (conducting transactions, select transactions, monetary amount) ing that funds be transferred from an account associated with said consumer to at least one account at a banking institution associated with said at least one debt servicer whereby a payment on the consumer debt obligation is made ; wherein said funds transferred from said account associated with said consumer are divided into at least first and second portions prior to being transferred to said at least one account at said banking institution and are transferred to at least two different accounts at said banking institution . US6304860B1 CLAIM 3 . The method of claim 1 wherein said consumer debt obligation is a mortgage obligation and a first one of said at least two different accounts at said at least one bank (conducting transactions, select transactions, monetary amount) ing institution receives funds including at least a principal portion of said mortgage obligation and a second one of said at least two different accounts at said at least one banking institution receives funds including an escrow portion of said mortgage obligation . US6304860B1 CLAIM 4 . A method of processing a debt payment on a consumer debt obligation using an ATM network comprising the steps of : communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator to affect future payments over an ATM network ; storing said consumer debt obligation information in a computer database separate from said at least one debt servicer ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; accessing said consumer debt obligation information to retrieve at least a portion of said consumer debt obligation information corresponding to said command information ; and transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction requesting that funds be transferred from an account associated with said consumer to at least one account at a banking institution associated with said at least one debt servicer whereby a payment on the consumer debt obligation is made ; wherein said transaction requesting that funds be transferred from an account associated with said consumer to said at least one account at said banking institution comprises at least two electronic credit (conducting transactions, select transactions, monetary amount) requests . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6304860B1 CLAIM 5 . A system for processing a debt payment on a consumer debt obligation using an ATM network comprising : debt servicer access means for communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator ; storage means connected with said debt servicer access means for storing said consumer debt obligation information in a computer database separate from said at least one debt servicer and associated with the third party facilitator ; ATM network access means connected with said storage means for transferring at least a portion of said consumer debt obligation information to an ATM network ; input means for receiving commands using an ATM network access device from a user identifying the consumer debt obligation ; database accessing means connected with said input means and said ATM network access means for accessing said computer database in response to said commands to retrieve at least a portion of said consumer debt obligation information from said database (wireless device) ; and transmission means connected with said data base accessing means for transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction requesting that funds be transferred from an account associated with said consumer to an account at a banking institution associated with said at least one debt servicer ; wherein said funds transferred from said account associated with said consumer to said at least one banking institution are divided into at least a first and second portion prior to being transferred to said banking institution and are transferred to at least two different accounts at said banking institution . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request, electronic credit, one bank) , and a monetary amount (transaction request, electronic credit, one bank) to be the subject of select transactions (transaction request, electronic credit, one bank) . |
US6304860B1 CLAIM 1 . A method of processing a debt payment on a consumer debt obligation using an ATM network comprising the steps of : communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator to effect future payments over an ATM network ; storing said consumer debt obligation information in a computer database separate from said at least one debt servicer ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; accessing said consumer debt obligation information to retrieve at least a portion of said consumer debt obligation information corresponding to said command information ; and transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction request (conducting transactions, select transactions, monetary amount) ing that funds be transferred from an account associated with said consumer to at least one account at a banking institution associated with said at least one debt servicer whereby a payment on the consumer debt obligation is made ; wherein said funds transferred from said account associated with said consumer are divided into at least first and second portions prior to being transferred to said at least one account at said banking institution and are transferred to at least two different accounts at said banking institution . US6304860B1 CLAIM 3 . The method of claim 1 wherein said consumer debt obligation is a mortgage obligation and a first one of said at least two different accounts at said at least one bank (conducting transactions, select transactions, monetary amount) ing institution receives funds including at least a principal portion of said mortgage obligation and a second one of said at least two different accounts at said at least one banking institution receives funds including an escrow portion of said mortgage obligation . US6304860B1 CLAIM 4 . A method of processing a debt payment on a consumer debt obligation using an ATM network comprising the steps of : communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator to affect future payments over an ATM network ; storing said consumer debt obligation information in a computer database separate from said at least one debt servicer ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; accessing said consumer debt obligation information to retrieve at least a portion of said consumer debt obligation information corresponding to said command information ; and transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction requesting that funds be transferred from an account associated with said consumer to at least one account at a banking institution associated with said at least one debt servicer whereby a payment on the consumer debt obligation is made ; wherein said transaction requesting that funds be transferred from an account associated with said consumer to said at least one account at said banking institution comprises at least two electronic credit (conducting transactions, select transactions, monetary amount) requests . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6304860B1 CLAIM 5 . A system for processing a debt payment on a consumer debt obligation using an ATM network comprising : debt servicer access means for communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator ; storage means connected with said debt servicer access means for storing said consumer debt obligation information in a computer database separate from said at least one debt servicer and associated with the third party facilitator ; ATM network access means connected with said storage means for transferring at least a portion of said consumer debt obligation information to an ATM network ; input means for receiving commands using an ATM network access device from a user identifying the consumer debt obligation ; database accessing means connected with said input means and said ATM network access means for accessing said computer database in response to said commands to retrieve at least a portion of said consumer debt obligation information from said database (wireless device) ; and transmission means connected with said data base accessing means for transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction requesting that funds be transferred from an account associated with said consumer to an account at a banking institution associated with said at least one debt servicer ; wherein said funds transferred from said account associated with said consumer to said at least one banking institution are divided into at least a first and second portion prior to being transferred to said banking institution and are transferred to at least two different accounts at said banking institution . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (transaction request, electronic credit, one bank) , and a monetary amount (transaction request, electronic credit, one bank) to be the subject of select transactions (transaction request, electronic credit, one bank) . |
US6304860B1 CLAIM 1 . A method of processing a debt payment on a consumer debt obligation using an ATM network comprising the steps of : communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator to effect future payments over an ATM network ; storing said consumer debt obligation information in a computer database separate from said at least one debt servicer ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; accessing said consumer debt obligation information to retrieve at least a portion of said consumer debt obligation information corresponding to said command information ; and transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction request (conducting transactions, select transactions, monetary amount) ing that funds be transferred from an account associated with said consumer to at least one account at a banking institution associated with said at least one debt servicer whereby a payment on the consumer debt obligation is made ; wherein said funds transferred from said account associated with said consumer are divided into at least first and second portions prior to being transferred to said at least one account at said banking institution and are transferred to at least two different accounts at said banking institution . US6304860B1 CLAIM 3 . The method of claim 1 wherein said consumer debt obligation is a mortgage obligation and a first one of said at least two different accounts at said at least one bank (conducting transactions, select transactions, monetary amount) ing institution receives funds including at least a principal portion of said mortgage obligation and a second one of said at least two different accounts at said at least one banking institution receives funds including an escrow portion of said mortgage obligation . US6304860B1 CLAIM 4 . A method of processing a debt payment on a consumer debt obligation using an ATM network comprising the steps of : communicating consumer debt obligation information for at least one consumer debt obligation from at least one debt servicer responsible for said at least one consumer debt obligation to a third party payment facilitator when a consumer has indicated to the at least one debt servicer that the consumer elects to use the third party payment facilitator to affect future payments over an ATM network ; storing said consumer debt obligation information in a computer database separate from said at least one debt servicer ; receiving command information with an ATM network access device from the consumer sufficient to identify the consumer debt obligation ; accessing said consumer debt obligation information to retrieve at least a portion of said consumer debt obligation information corresponding to said command information ; and transmitting said portion of said consumer debt obligation information to a transaction processor associated with the ATM network to facilitate a transaction requesting that funds be transferred from an account associated with said consumer to at least one account at a banking institution associated with said at least one debt servicer whereby a payment on the consumer debt obligation is made ; wherein said transaction requesting that funds be transferred from an account associated with said consumer to said at least one account at said banking institution comprises at least two electronic credit (conducting transactions, select transactions, monetary amount) requests . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6000832A Filed: 1997-09-24 Issued: 1999-12-14 Electronic online commerce card with customer generated transaction proxy number for online transactions (Original Assignee) Microsoft Corp (Current Assignee) Microsoft Technology Licensing LLC D. Chase Franklin, Daniel Rosen, Josh Benaloh, Daniel R. Simon |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (loading step) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . US6000832A CLAIM 22 . A method as recited in claim 19 , wherein the downloading step (service coin counter) comprises downloading software code that supports a user interface button to invoke a user interface for facilitating online commerce transactions . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (electronic commerce) during said active session . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (software code) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . US6000832A CLAIM 11 . A method as recited in claim 1 , wherein prior to the issuing step , the method comprises the following additional steps : initiating , from the customer , a request for the commerce card from an issuing authority ; and downloading software code (computer systems) to the customer to assist in a card registration process . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (electronic commerce) during said active session . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (software code) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (following steps) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps (data storage device) : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . US6000832A CLAIM 11 . A method as recited in claim 1 , wherein prior to the issuing step , the method comprises the following additional steps : initiating , from the customer , a request for the commerce card from an issuing authority ; and downloading software code (computer systems) to the customer to assist in a card registration process . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (electronic commerce) is transmitted during said active session . |
US6000832A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (marketing content) card to a customer during a registration phase , the commerce card having a customer account number and a customer-related secret associated therewith ; and during an online commerce transaction phase , generating at the customer a proxy number suitable for the online commerce transaction , the proxy number resembling the customer account number but having embedded therein a code number derived at least in part on the customer-related secret . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6085177A Filed: 1997-09-16 Issued: 2000-07-04 Systems for accessing the internet and geo-defined data and associated methods (Original Assignee) Civic DDI LLC (Current Assignee) Diebold Nixdorf Inc ; Civic DDI LLC Deborah K. Semple, William T. Semple, Curtis A. Vock |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices (access command) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (Internet browser) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6085177A CLAIM 1 . Automatic teller machine system for providing access with the Internet , comprising : an automatic teller machine for dispensing cash to individuals and for connecting the individuals to banking institutions ; user interface means connected with the machine for accepting user commands including internet access command (touch point devices) s ; communication means for connecting the system , datawise , to the Internet ; local processor means , connected with the machine , the user interface and the communication means , for providing communicative access with the Internet and in response to the commands ; display means for displaying Internet data to a user of the system ; and a web access key for pressing by a user of the system , the local processor means being responsive to the web access key to initiate communications with the Internet . US6085177A CLAIM 11 . A method for accessing the Internet through an automatic teller machine , comprising the steps of : providing an automatic teller machine for dispensing cash to individuals and for connecting the individuals to banking institutions ; accepting user commands at a user interface connected with the machine , the command including internet access commands ; connecting the system , datawise , to the Internet through a local processor and communication card connected with the machine ; utilizing Internet browser (self service coin counter) software in response web access commands by the user ; responding to user commands at the user interface to access and surf the Internet ; and displaying Internet data at the machine . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5933816A Filed: 1997-08-07 Issued: 1999-08-03 System and method for delivering financial services (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Credit Services Inc USA James Zeanah, Charles Abbott, Nik Boyd, Albert Cohen, James Cook, Michael Grandcolas, Sikhun Lan, Bonnie Lindsley, Grigor Markarian, Leslie Moss |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote (cellular network) from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (different types) of e-banking touch point devices (device component) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5933816A CLAIM 4 . The system as set forth in claim 3 , wherein the interface routes information from remote devices of a plurality of different types (different types) , the types including ATM terminals and home banking terminals . US5933816A CLAIM 6 . The system as set forth in claim 3 , wherein the interface receives information from remote devices over a cellular network (locations remote) . US5933816A CLAIM 25 . The system as set forth in claim 1 , further comprising a peripheral device component (touch point devices) 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 . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, routing information) . |
US5933816A CLAIM 2 . 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 (transaction machine, customer profile, customer name) from the customer and the request from the customer from the remote device to the mini-app dialog component . US5933816A CLAIM 35 . The system as set forth in claim 1 , wherein the remote device is a staff terminal used within a financial institution (transaction machine, customer profile, customer name) providing the financial services . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, routing information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction) . |
US5933816A CLAIM 2 . 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 (transaction machine, customer profile, customer name) from the customer and the request from the customer from the remote device to the mini-app dialog component . US5933816A CLAIM 35 . The system as set forth in claim 1 , wherein the remote device is a staff terminal used within a financial institution (transaction machine, customer profile, customer name) providing the financial services . US5933816A CLAIM 36 . The system as set forth in claim 1 , further comprising a second transaction (select transactions) executor component , the second transaction executor component for performing a second function . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote (cellular network) from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5933816A CLAIM 6 . The system as set forth in claim 3 , wherein the interface receives information from remote devices over a cellular network (locations remote) . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, routing information) . |
US5933816A CLAIM 2 . 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 (transaction machine, customer profile, customer name) from the customer and the request from the customer from the remote device to the mini-app dialog component . US5933816A CLAIM 35 . The system as set forth in claim 1 , wherein the remote device is a staff terminal used within a financial institution (transaction machine, customer profile, customer name) providing the financial services . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, routing information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction) . |
US5933816A CLAIM 2 . 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 (transaction machine, customer profile, customer name) from the customer and the request from the customer from the remote device to the mini-app dialog component . US5933816A CLAIM 35 . The system as set forth in claim 1 , wherein the remote device is a staff terminal used within a financial institution (transaction machine, customer profile, customer name) providing the financial services . US5933816A CLAIM 36 . The system as set forth in claim 1 , further comprising a second transaction (select transactions) executor component , the second transaction executor component for performing a second function . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, routing information) . |
US5933816A CLAIM 2 . 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 (transaction machine, customer profile, customer name) from the customer and the request from the customer from the remote device to the mini-app dialog component . US5933816A CLAIM 35 . The system as set forth in claim 1 , wherein the remote device is a staff terminal used within a financial institution (transaction machine, customer profile, customer name) providing the financial services . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, routing information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (second transaction) . |
US5933816A CLAIM 2 . 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 (transaction machine, customer profile, customer name) from the customer and the request from the customer from the remote device to the mini-app dialog component . US5933816A CLAIM 35 . The system as set forth in claim 1 , wherein the remote device is a staff terminal used within a financial institution (transaction machine, customer profile, customer name) providing the financial services . US5933816A CLAIM 36 . The system as set forth in claim 1 , further comprising a second transaction (select transactions) executor component , the second transaction executor component for performing a second function . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | EP0843291A2 Filed: 1997-07-14 Issued: 1998-05-20 Improved self-service system (Original Assignee) NCR International Inc (Current Assignee) NCR International Inc Michael G. Coutts, David Patterson |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices (sensing means) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
EP0843291A2 CLAIM 5 A financial self-service system comprising a plurality of self-service terminals (10) each having a display means (12) , an input means (14) and a processor means ; central storage means (20) arranged to store user information ; and a host computer system (computer system) (18) to which the terminals and the central storage means are connected , characterized by sales presentation storage means (16) arranged to store a plurality of sales presentations ; product profile storage means (24) arranged to store target user profiles related to sales presentations ; and relationship management means (22) connected to the sales presentation means (16) , the product profile storage means (24) , and the host computer system (18) . EP0843291A2 CLAIM 8 A system according to claim 7 , characterized by queue sensing means (touch point devices) (26) arranged to sense any queue of potential users in the proximity of the machine (10) and to adjust the sales presentation accordingly . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile, user profiles) . |
EP0843291A2 CLAIM 1 A method of operating a financial self-service system comprising the steps of : - receiving a request for a financial transaction initiated from a self-service terminal by a user ; authorizing said request ; and acting upon said request ; characterized by the intermediate steps of extracting a profile of said user from central user information storage means ; searching for a match between said profile of said user and a target customer profile (customer profile) stored in product profile storage means ; and if such a match is found , presenting to the user on said self-service terminal a sales presentation related to said product during at least one opportunity interval while authorizing and acting upon said request . EP0843291A2 CLAIM 5 A financial self-service system comprising a plurality of self-service terminals (10) each having a display means (12) , an input means (14) and a processor means ; central storage means (20) arranged to store user information ; and a host computer system (18) to which the terminals and the central storage means are connected , characterized by sales presentation storage means (16) arranged to store a plurality of sales presentations ; product profile storage means (24) arranged to store target user profiles (customer profile) related to sales presentations ; and relationship management means (22) connected to the sales presentation means (16) , the product profile storage means (24) , and the host computer system (18) . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
EP0843291A2 CLAIM 5 A financial self-service system comprising a plurality of self-service terminals (10) each having a display means (12) , an input means (14) and a processor means ; central storage means (20) arranged to store user information ; and a host computer system (computer system) (18) to which the terminals and the central storage means are connected , characterized by sales presentation storage means (16) arranged to store a plurality of sales presentations ; product profile storage means (24) arranged to store target user profiles related to sales presentations ; and relationship management means (22) connected to the sales presentation means (16) , the product profile storage means (24) , and the host computer system (18) . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile, user profiles) . |
EP0843291A2 CLAIM 1 A method of operating a financial self-service system comprising the steps of : - receiving a request for a financial transaction initiated from a self-service terminal by a user ; authorizing said request ; and acting upon said request ; characterized by the intermediate steps of extracting a profile of said user from central user information storage means ; searching for a match between said profile of said user and a target customer profile (customer profile) stored in product profile storage means ; and if such a match is found , presenting to the user on said self-service terminal a sales presentation related to said product during at least one opportunity interval while authorizing and acting upon said request . EP0843291A2 CLAIM 5 A financial self-service system comprising a plurality of self-service terminals (10) each having a display means (12) , an input means (14) and a processor means ; central storage means (20) arranged to store user information ; and a host computer system (18) to which the terminals and the central storage means are connected , characterized by sales presentation storage means (16) arranged to store a plurality of sales presentations ; product profile storage means (24) arranged to store target user profiles (customer profile) related to sales presentations ; and relationship management means (22) connected to the sales presentation means (16) , the product profile storage means (24) , and the host computer system (18) . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile, user profiles) . |
EP0843291A2 CLAIM 1 A method of operating a financial self-service system comprising the steps of : - receiving a request for a financial transaction initiated from a self-service terminal by a user ; authorizing said request ; and acting upon said request ; characterized by the intermediate steps of extracting a profile of said user from central user information storage means ; searching for a match between said profile of said user and a target customer profile (customer profile) stored in product profile storage means ; and if such a match is found , presenting to the user on said self-service terminal a sales presentation related to said product during at least one opportunity interval while authorizing and acting upon said request . EP0843291A2 CLAIM 5 A financial self-service system comprising a plurality of self-service terminals (10) each having a display means (12) , an input means (14) and a processor means ; central storage means (20) arranged to store user information ; and a host computer system (18) to which the terminals and the central storage means are connected , characterized by sales presentation storage means (16) arranged to store a plurality of sales presentations ; product profile storage means (24) arranged to store target user profiles (customer profile) related to sales presentations ; and relationship management means (22) connected to the sales presentation means (16) , the product profile storage means (24) , and the host computer system (18) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US6003019A Filed: 1997-07-01 Issued: 1999-12-14 Multi-transaction service system (Original Assignee) NCR Corp (Current Assignee) NCR Corp Morag M. Eaton, David Horn, Ian A. Cranston, Stephen Ambler |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US6003019A CLAIM 5 . A multi-transaction services system according to claim 2 , wherein the operations means comprise at least one of a transaction processing (select transactions) host computer , an item processor , a relationship management database , a financial call center , and an external financial database . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US6003019A CLAIM 5 . A multi-transaction services system according to claim 2 , wherein the operations means comprise at least one of a transaction processing (select transactions) host computer , an item processor , a relationship management database , a financial call center , and an external financial database . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (supply channel) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US6003019A CLAIM 1 . A multi-transaction services system comprising : a plurality of service request and supply channel (wherein one) s , each channel including channel-specific hardware and software ; at least one operation means including operation-specific hardware and software ; and an integrated channel manager connected between the channels and the operation means , the integrated channel manager having (i) a first interface layer for interfacing the channel-specific components of each channel , (ii) a second interface layer for interfacing the operation means , and (iii) a third interface layer between the first and second interface layers and including at least one application service connectable to any channel in a channel-independent manner for performing one or more channel-independent functions using data supplied by the operations means , wherein the operations means is unaware of the function being performed by application service . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing) . |
US6003019A CLAIM 5 . A multi-transaction services system according to claim 2 , wherein the operations means comprise at least one of a transaction processing (select transactions) host computer , an item processor , a relationship management database , a financial call center , and an external financial database . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5761662A Filed: 1997-05-08 Issued: 1998-06-02 Personalized information retrieval using user-defined profile (Original Assignee) Sun Microsystems Inc (Current Assignee) Sun Microsystems Inc Vasanthan S. Dasan |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5761662A CLAIM 2 . The method of claim 1 wherein said client comprises an HTTP (Hypertext Transfer Protocol) browser active on a first computer system (computer system) and said server comprises an HTTP server application program active on a second computer system . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5761662A CLAIM 2 . The method of claim 1 wherein said client comprises an HTTP (Hypertext Transfer Protocol) browser active on a first computer system (computer system) and said server comprises an HTTP server application program active on a second computer system . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (following steps) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5761662A CLAIM 1 . A computer-implemented method of retrieving information comprising the following steps (data storage device) : a . a user-controlled client establishing communication with a server over a communication channel ; b . said client identifying a user-defined profile to said server ; c . said server engaging a first application program , said first application program retrieving said user-defined profile ; d . said first application program examining a database of information and automatically retrieving a subset of said information from said database based upon said user-defined profile ; and e . said first application program transmitting said subset of said information from said database to said server and said server presenting said subset of said information to said client . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | WO9741673A2 Filed: 1997-04-22 Issued: 1997-11-06 Computer network and method for determining user behaviour (Original Assignee) Freedom Of Information, Inc. Thomas A. Gerace |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (displaying advertisement) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (user profiles) . |
WO9741673A2 CLAIM 9 . In a computer network formed of a communication channel and a plurality of digital processors coupled to the communication channel for communication thereon , a method for forming user profiles (customer profile) comprising the steps of : providing agate information for viewing by users of the network ; for each user , recording history of user activity with respect to agate information ; from the recorded history , forming user profiles of the users , each user profile providing an indication of categories of interest to the user and display preferences for each category . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (to view) , and a monetary amount to be the subject of select transactions . |
WO9741673A2 CLAIM 4 . Apparatus as claimed in Claim 3 , wherein the tracking and profiling member further records demographic information (customer name) of the user such that demographic profiles of users are provided and the data assembly further displays agate information to a user according to demographic profile of the user . WO9741673A2 CLAIM 28 . A method as claimed in Claim 27 wherein the step of reporting includes displaying to sponsors of the advertisements , characteristics of the adjusted profiles each time the profiles of target users is redefined , such that sponsors are able to view (conducting transactions) in real time the advertisements becoming better targeted . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (displaying advertisement) is classified as being one or more of current or approved content . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (displaying advertisement) during said active session . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (displaying advertisement) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (user profiles) . |
WO9741673A2 CLAIM 9 . In a computer network formed of a communication channel and a plurality of digital processors coupled to the communication channel for communication thereon , a method for forming user profiles (customer profile) comprising the steps of : providing agate information for viewing by users of the network ; for each user , recording history of user activity with respect to agate information ; from the recorded history , forming user profiles of the users , each user profile providing an indication of categories of interest to the user and display preferences for each category . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (to view) , and a monetary amount to be the subject of select transactions . |
WO9741673A2 CLAIM 4 . Apparatus as claimed in Claim 3 , wherein the tracking and profiling member further records demographic information (customer name) of the user such that demographic profiles of users are provided and the data assembly further displays agate information to a user according to demographic profile of the user . WO9741673A2 CLAIM 28 . A method as claimed in Claim 27 wherein the step of reporting includes displaying to sponsors of the advertisements , characteristics of the adjusted profiles each time the profiles of target users is redefined , such that sponsors are able to view (conducting transactions) in real time the advertisements becoming better targeted . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (displaying advertisement) is classified as being one or more of current or approved content . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (displaying advertisement) during said active session . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (displaying advertisement) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (user profiles) . |
WO9741673A2 CLAIM 9 . In a computer network formed of a communication channel and a plurality of digital processors coupled to the communication channel for communication thereon , a method for forming user profiles (customer profile) comprising the steps of : providing agate information for viewing by users of the network ; for each user , recording history of user activity with respect to agate information ; from the recorded history , forming user profiles of the users , each user profile providing an indication of categories of interest to the user and display preferences for each category . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (to view) , and a monetary amount to be the subject of select transactions . |
WO9741673A2 CLAIM 4 . Apparatus as claimed in Claim 3 , wherein the tracking and profiling member further records demographic information (customer name) of the user such that demographic profiles of users are provided and the data assembly further displays agate information to a user according to demographic profile of the user . WO9741673A2 CLAIM 28 . A method as claimed in Claim 27 wherein the step of reporting includes displaying to sponsors of the advertisements , characteristics of the adjusted profiles each time the profiles of target users is redefined , such that sponsors are able to view (conducting transactions) in real time the advertisements becoming better targeted . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (displaying advertisement) is classified as being one or more of current or approved content . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (displaying advertisement) is transmitted during said active session . |
WO9741673A2 CLAIM 11 . A method as claimed in Claim 9 wherein the step of providing agate information includes displaying advertisement (marketing content) s to users by (i) providing advertisements , (ii) for each advertisement , providing a target profile of desired users to whom to display the advertisement , and (iii) for each user , comparing user profile to target profiles of the advertisements and displaying advertisements having target profiles substantially matching the user profile . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5861882A Filed: 1997-04-04 Issued: 1999-01-19 Integrated test and measurement means employing a graphical user interface (Original Assignee) Motorola Solutions Inc (Current Assignee) General Dynamics C4 Systems Inc Michael Kent Sprenger, Glen Eugene Sater |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (stored data) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5861882A CLAIM 6 . A method for configuring a test system using a graphical user interface (GUI) , the test system having multiple test elements , an interconnecting circuit for coupling the multiple test elements through computer controlled switches and a computer for controlling the switches and operating at least some of the multiple test elements via the interconnecting circuit in response to GUI inputs , the computer including a graphic display and memory , wherein the method comprises : providing on the graphic display , a representation of the multiple test elements available to the interconnecting circuit , wherein each such test element is represented by a graphic icon having input-output (I/O) port symbols representing those I/O ports available on such test element , and wherein such graphic icon has associated therewith a stored data (computer system) table comprising at least an address of such test element and control codes for coupling I/O ports of such test element to selected lines of the interconnecting circuit ; on the graphic display , selecting a set of graphic icons corresponding to a set of test elements which are desired to be used to perform a test to be carried out by the test system and graphically coupling I/O port symbols of at least two of the set of graphic icons ; retrieving from the stored data table , the control codes and interconnecting circuit addresses corresponding to the graphically coupled I/O port symbols ; switching through the computer controlled switches the set of multiple test elements which are desirable to be used to perform the test to be carried out ; and sending by the computer to the set of multiple test elements , one or more messages via the interconnecting circuit , the one or more messages comprising the control codes and addresses retrieved from the stored data table , to cause switches associated with the I/O ports to open or close so as to provide via the interconnecting circuit , physical signal interconnecting between the I/O ports of the set of multiple test elements that corresponds to the graphical coupling of the I/O port symbols on the graphic display . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (graphical display) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (RF signals) . |
US5861882A CLAIM 1 . A method of operating a test set for testing a device , wherein the test set has a computer , and a graphical display (customer name) and a switchable interconnection network controlled by the computer , the method comprising : coupling multiple testing elements to the network ; operating the computer to interrogate the network to determine what testing elements are coupled to the network and to present on the graphical display , graphical symbols representing the multiple testing elements ; on the graphical display , selecting a set of the graphical symbols and interconnecting by the computer the graphical symbols to form a graphically defined test circuit ; and energizing by the computer switches and portions of the network to electrically interconnect a set of the multiple testing elements corresponding to the set of the graphical symbols to form an interconnected physical test circuit corresponding to the graphically defined test circuit . US5861882A CLAIM 20 . The system of claim 18 wherein the graphical I/O port symbols visually distinguish between ports of RF signals (select transactions) and ports for other signals . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (other signals) , wherein each computer system (stored data) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5861882A CLAIM 6 . A method for configuring a test system using a graphical user interface (GUI) , the test system having multiple test elements , an interconnecting circuit for coupling the multiple test elements through computer controlled switches and a computer for controlling the switches and operating at least some of the multiple test elements via the interconnecting circuit in response to GUI inputs , the computer including a graphic display and memory , wherein the method comprises : providing on the graphic display , a representation of the multiple test elements available to the interconnecting circuit , wherein each such test element is represented by a graphic icon having input-output (I/O) port symbols representing those I/O ports available on such test element , and wherein such graphic icon has associated therewith a stored data (computer system) table comprising at least an address of such test element and control codes for coupling I/O ports of such test element to selected lines of the interconnecting circuit ; on the graphic display , selecting a set of graphic icons corresponding to a set of test elements which are desired to be used to perform a test to be carried out by the test system and graphically coupling I/O port symbols of at least two of the set of graphic icons ; retrieving from the stored data table , the control codes and interconnecting circuit addresses corresponding to the graphically coupled I/O port symbols ; switching through the computer controlled switches the set of multiple test elements which are desirable to be used to perform the test to be carried out ; and sending by the computer to the set of multiple test elements , one or more messages via the interconnecting circuit , the one or more messages comprising the control codes and addresses retrieved from the stored data table , to cause switches associated with the I/O ports to open or close so as to provide via the interconnecting circuit , physical signal interconnecting between the I/O ports of the set of multiple test elements that corresponds to the graphical coupling of the I/O port symbols on the graphic display . US5861882A CLAIM 20 . The system of claim 18 wherein the graphical I/O port symbols visually distinguish between ports of RF signals and ports for other signals (computer systems) . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (graphical display) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (RF signals) . |
US5861882A CLAIM 1 . A method of operating a test set for testing a device , wherein the test set has a computer , and a graphical display (customer name) and a switchable interconnection network controlled by the computer , the method comprising : coupling multiple testing elements to the network ; operating the computer to interrogate the network to determine what testing elements are coupled to the network and to present on the graphical display , graphical symbols representing the multiple testing elements ; on the graphical display , selecting a set of the graphical symbols and interconnecting by the computer the graphical symbols to form a graphically defined test circuit ; and energizing by the computer switches and portions of the network to electrically interconnect a set of the multiple testing elements corresponding to the set of the graphical symbols to form an interconnected physical test circuit corresponding to the graphically defined test circuit . US5861882A CLAIM 20 . The system of claim 18 wherein the graphical I/O port symbols visually distinguish between ports of RF signals (select transactions) and ports for other signals . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (other signals) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5861882A CLAIM 20 . The system of claim 18 wherein the graphical I/O port symbols visually distinguish between ports of RF signals and ports for other signals (computer systems) . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (graphical display) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (RF signals) . |
US5861882A CLAIM 1 . A method of operating a test set for testing a device , wherein the test set has a computer , and a graphical display (customer name) and a switchable interconnection network controlled by the computer , the method comprising : coupling multiple testing elements to the network ; operating the computer to interrogate the network to determine what testing elements are coupled to the network and to present on the graphical display , graphical symbols representing the multiple testing elements ; on the graphical display , selecting a set of the graphical symbols and interconnecting by the computer the graphical symbols to form a graphically defined test circuit ; and energizing by the computer switches and portions of the network to electrically interconnect a set of the multiple testing elements corresponding to the set of the graphical symbols to form an interconnected physical test circuit corresponding to the graphically defined test circuit . US5861882A CLAIM 20 . The system of claim 18 wherein the graphical I/O port symbols visually distinguish between ports of RF signals (select transactions) and ports for other signals . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5915246A Filed: 1997-01-22 Issued: 1999-06-22 Self-service system (Original Assignee) NCR Corp (Current Assignee) NCR Corp David Patterson, Michael G. Coutts |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices (sensing means) , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5915246A CLAIM 1 . An unattended self-service terminal connectable to a host system and for allowing a self-service customer to carry out a self-service transaction , the self-service terminal comprising : input means for receiving customer identifying information from the self-service customer ; display means for displaying sales information to be viewed by the self-service customer ; storage means for storing a plurality of sales presentations which are viewable by the self-service customer ; queue sensing means (touch point devices) for sensing a queue of potential self-service customers adjacent to the self-service terminal and providing a signal indicative thereof ; and control means for selecting one of the plurality of sales presentations based upon the customer identifying information received from the self-service customer and the signal from the queue sensing means to display the selected sales presentation on the display means to provide sales information to be viewed by the self-service customer . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5937396A Filed: 1996-12-04 Issued: 1999-08-10 System for ATM/ATM transfers (Original Assignee) Konya; Arpad (Current Assignee) First Data Corp ; Western Union Co Arpad Konya |
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| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions, second transaction, first transaction) , and a monetary amount (financial institutions, second transaction, first transaction) to be the subject of select transactions (financial institutions, second transaction, first transaction) . |
US5937396A CLAIM 4 . A method of transferring currency as recited in claim 3 wherein said step of accessing a first account further comprises the steps : d . inserting a first transaction (select transactions, monetary amount, conducting transactions) card into a card reader of a first ATM ; and e . entering a PIN associated with the first account . US5937396A CLAIM 8 . A method of transferring currency as recited in claim 7 wherein said first financial institution and second financial institution are branches of different financial institutions (select transactions, monetary amount, conducting transactions) selected from the group consisting of banks or credit card companies . US5937396A CLAIM 15 . A system for transferring currency between ATMs as recited in claim 14 wherein said means for retrieving currency comprises : a . a second transaction (select transactions, monetary amount, conducting transactions) card containing information pertaining to said second account encoded thereon ; and b . verification means for requesting a PIN associated with said second transaction card and comparing said PIN with information stored in said second computer system . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (computer systems) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5937396A CLAIM 11 . A system for transferring currency between ATMs as recited in claim 10 wherein said first and second computer systems (computer systems) are associated with said first ATM network and second ATM network , respectively . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions, second transaction, first transaction) , and a monetary amount (financial institutions, second transaction, first transaction) to be the subject of select transactions (financial institutions, second transaction, first transaction) . |
US5937396A CLAIM 4 . A method of transferring currency as recited in claim 3 wherein said step of accessing a first account further comprises the steps : d . inserting a first transaction (select transactions, monetary amount, conducting transactions) card into a card reader of a first ATM ; and e . entering a PIN associated with the first account . US5937396A CLAIM 8 . A method of transferring currency as recited in claim 7 wherein said first financial institution and second financial institution are branches of different financial institutions (select transactions, monetary amount, conducting transactions) selected from the group consisting of banks or credit card companies . US5937396A CLAIM 15 . A system for transferring currency between ATMs as recited in claim 14 wherein said means for retrieving currency comprises : a . a second transaction (select transactions, monetary amount, conducting transactions) card containing information pertaining to said second account encoded thereon ; and b . verification means for requesting a PIN associated with said second transaction card and comparing said PIN with information stored in said second computer system . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (computer systems) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5937396A CLAIM 11 . A system for transferring currency between ATMs as recited in claim 10 wherein said first and second computer systems (computer systems) are associated with said first ATM network and second ATM network , respectively . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions, second transaction, first transaction) , and a monetary amount (financial institutions, second transaction, first transaction) to be the subject of select transactions (financial institutions, second transaction, first transaction) . |
US5937396A CLAIM 4 . A method of transferring currency as recited in claim 3 wherein said step of accessing a first account further comprises the steps : d . inserting a first transaction (select transactions, monetary amount, conducting transactions) card into a card reader of a first ATM ; and e . entering a PIN associated with the first account . US5937396A CLAIM 8 . A method of transferring currency as recited in claim 7 wherein said first financial institution and second financial institution are branches of different financial institutions (select transactions, monetary amount, conducting transactions) selected from the group consisting of banks or credit card companies . US5937396A CLAIM 15 . A system for transferring currency between ATMs as recited in claim 14 wherein said means for retrieving currency comprises : a . a second transaction (select transactions, monetary amount, conducting transactions) card containing information pertaining to said second account encoded thereon ; and b . verification means for requesting a PIN associated with said second transaction card and comparing said PIN with information stored in said second computer system . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5870721A Filed: 1996-10-15 Issued: 1999-02-09 System and method for real time loan approval (Original Assignee) Affinity Tech Group Inc (Current Assignee) Decisioningcom Inc Jeffrey A. Norris |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5870721A CLAIM 14 . The automatic loan processing system of claim 13 wherein said information received from at least one said database (wireless device) includes information relevant to the identification of the loan applicant and said data processing system is adapted to verify an identity of the loan applicant by comparing certain of the information received from the loan applicant with certain of the information received from said at least one database , said data processing system adapted to require verification of the applicant' ; s identity prior to approving the loan request . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount to be the subject of select transactions . |
US5870721A CLAIM 9 . The automatic loan processing system of claim 1 wherein said remote applicant interface includes means for electronically recording a signature of the applicant , said remote applicant interface adapted to transfer an electronic signature (conducting transactions) to the data processing system . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5870721A CLAIM 14 . The automatic loan processing system of claim 13 wherein said information received from at least one said database (wireless device) includes information relevant to the identification of the loan applicant and said data processing system is adapted to verify an identity of the loan applicant by comparing certain of the information received from the loan applicant with certain of the information received from said at least one database , said data processing system adapted to require verification of the applicant' ; s identity prior to approving the loan request . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount to be the subject of select transactions . |
US5870721A CLAIM 9 . The automatic loan processing system of claim 1 wherein said remote applicant interface includes means for electronically recording a signature of the applicant , said remote applicant interface adapted to transfer an electronic signature (conducting transactions) to the data processing system . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5870721A CLAIM 14 . The automatic loan processing system of claim 13 wherein said information received from at least one said database (wireless device) includes information relevant to the identification of the loan applicant and said data processing system is adapted to verify an identity of the loan applicant by comparing certain of the information received from the loan applicant with certain of the information received from said at least one database , said data processing system adapted to require verification of the applicant' ; s identity prior to approving the loan request . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount to be the subject of select transactions . |
US5870721A CLAIM 9 . The automatic loan processing system of claim 1 wherein said remote applicant interface includes means for electronically recording a signature of the applicant , said remote applicant interface adapted to transfer an electronic signature (conducting transactions) to the data processing system . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5930764A Filed: 1996-08-23 Issued: 1999-07-27 Sales and marketing support system using a customer information database (Original Assignee) Citibank NA (Current Assignee) Citibank NA Anthony R. Melchione, Rafael Martinez, Eric Seifert, Martin Hirsch |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5930764A CLAIM 1 . An integrated sales process support system , comprising : a central database ; means for inputting data into the central database from a plurality of sources ; means for searching the database in response to structured queries and identifying records that match said queries and compiling a list of leads , which includes identifying information about particular customers as well as information pertaining to the customers' ; interactions with the owner of the central database , wherein the list of leads are associated with the identified records ; at least one micromarketing center having a plurality of user workstations ; means for building said structured queries of said database (wireless device) in response to a user' ; s selection of criteria from a graphic user interface of a user workstation ; a plurality of geographically separated branch systems , each branch system including at least one branch workstation linked for electronic communication in real time to the central database ; a central customer information system , the central customer information system being geographically separated from , but linked for electronic communication to , the workstations at the branch systems so as to distribute the list of leads to the workstations at the branch systems . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, customer profile, graphic information, customer name) . |
US5930764A CLAIM 3 . The system of claim 1 , wherein the system further comprises means for tracking customer arrivals at branch offices ; and wherein the system further comprises means for tracking and reporting information pertaining to the arrival in the branch for new and existing customers going through the sales process , which includes the following information : type of arrival ; wait time ; sales session time ; average session time ; usage of sale tools ; product type ; dollars per product type ; customer name (transaction machine, customer profile, customer name) and address ; product type ; purpose of visit and sales rep ID . US5930764A CLAIM 5 . An electronic sales and service support system for a financial institution (transaction machine, customer profile, customer name) , comprising : a central database containing information about households , customers , and accounts of a financial institution ; a micromarketing center having at least one user workstation in electronic communication with said central database , said user workstation having an input device for entering selection criteria for defining a selected group of customers to target for a marketing campaign ; a central customer information system having a plurality of branch workstations in electronic communication with said micromarketing center and said central database , said branch workstations each having a display device for selectively displaying a profile of a customer including the customer' ; s relationship with the financial institution ; means for communicating a sales promotion concept to the micromarketing center ; means located at the micromarketing center for generating at least one lead comprised of a first piece of data that identifies a customer and a second piece of data that indicates the customer' ; s interactions with the financial institution wherein the at least one lead is based on the sales promotion concept ; means for providing the at least one lead to at least one branch workstation overnight ; and at least one electronic communication link for providing real time communications between the at least one branch workstation and the central database . US5930764A CLAIM 11 . The system of claim 10 , wherein the central customer information system contains a plurality of customer profile (transaction machine, customer profile, customer name) s , each customer profile including demographic information (transaction machine, customer profile, customer name) and customer financial information including credit information and financial goals ; means for performing a needs analysis based on information contained in the central customer information system , recommending an account based on the needs analysis and presenting information concerning the component of the selected account to the customer ; and means for allowing data communication between the central customer information system and the central database . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, customer profile, graphic information, customer name) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (particular customer) to be the subject of select transactions . |
US5930764A CLAIM 1 . An integrated sales process support system , comprising : a central database ; means for inputting data into the central database from a plurality of sources ; means for searching the database in response to structured queries and identifying records that match said queries and compiling a list of leads , which includes identifying information about particular customer (monetary amount) s as well as information pertaining to the customers' ; interactions with the owner of the central database , wherein the list of leads are associated with the identified records ; at least one micromarketing center having a plurality of user workstations ; means for building said structured queries of said database in response to a user' ; s selection of criteria from a graphic user interface of a user workstation ; a plurality of geographically separated branch systems , each branch system including at least one branch workstation linked for electronic communication in real time to the central database ; a central customer information system , the central customer information system being geographically separated from , but linked for electronic communication to , the workstations at the branch systems so as to distribute the list of leads to the workstations at the branch systems . US5930764A CLAIM 3 . The system of claim 1 , wherein the system further comprises means for tracking customer arrivals at branch offices ; and wherein the system further comprises means for tracking and reporting information pertaining to the arrival in the branch for new and existing customers going through the sales process , which includes the following information : type of arrival ; wait time ; sales session time ; average session time ; usage of sale tools ; product type ; dollars per product type ; customer name (transaction machine, customer profile, customer name) and address ; product type ; purpose of visit and sales rep ID . US5930764A CLAIM 5 . An electronic sales and service support system for a financial institution (transaction machine, customer profile, customer name) , comprising : a central database containing information about households , customers , and accounts of a financial institution ; a micromarketing center having at least one user workstation in electronic communication with said central database , said user workstation having an input device for entering selection criteria for defining a selected group of customers to target for a marketing campaign ; a central customer information system having a plurality of branch workstations in electronic communication with said micromarketing center and said central database , said branch workstations each having a display device for selectively displaying a profile of a customer including the customer' ; s relationship with the financial institution ; means for communicating a sales promotion concept to the micromarketing center ; means located at the micromarketing center for generating at least one lead comprised of a first piece of data that identifies a customer and a second piece of data that indicates the customer' ; s interactions with the financial institution wherein the at least one lead is based on the sales promotion concept ; means for providing the at least one lead to at least one branch workstation overnight ; and at least one electronic communication link for providing real time communications between the at least one branch workstation and the central database . US5930764A CLAIM 11 . The system of claim 10 , wherein the central customer information system contains a plurality of customer profile (transaction machine, customer profile, customer name) s , each customer profile including demographic information (transaction machine, customer profile, customer name) and customer financial information including credit information and financial goals ; means for performing a needs analysis based on information contained in the central customer information system , recommending an account based on the needs analysis and presenting information concerning the component of the selected account to the customer ; and means for allowing data communication between the central customer information system and the central database . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5930764A CLAIM 1 . An integrated sales process support system , comprising : a central database ; means for inputting data into the central database from a plurality of sources ; means for searching the database in response to structured queries and identifying records that match said queries and compiling a list of leads , which includes identifying information about particular customers as well as information pertaining to the customers' ; interactions with the owner of the central database , wherein the list of leads are associated with the identified records ; at least one micromarketing center having a plurality of user workstations ; means for building said structured queries of said database (wireless device) in response to a user' ; s selection of criteria from a graphic user interface of a user workstation ; a plurality of geographically separated branch systems , each branch system including at least one branch workstation linked for electronic communication in real time to the central database ; a central customer information system , the central customer information system being geographically separated from , but linked for electronic communication to , the workstations at the branch systems so as to distribute the list of leads to the workstations at the branch systems . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, customer profile, graphic information, customer name) . |
US5930764A CLAIM 3 . The system of claim 1 , wherein the system further comprises means for tracking customer arrivals at branch offices ; and wherein the system further comprises means for tracking and reporting information pertaining to the arrival in the branch for new and existing customers going through the sales process , which includes the following information : type of arrival ; wait time ; sales session time ; average session time ; usage of sale tools ; product type ; dollars per product type ; customer name (transaction machine, customer profile, customer name) and address ; product type ; purpose of visit and sales rep ID . US5930764A CLAIM 5 . An electronic sales and service support system for a financial institution (transaction machine, customer profile, customer name) , comprising : a central database containing information about households , customers , and accounts of a financial institution ; a micromarketing center having at least one user workstation in electronic communication with said central database , said user workstation having an input device for entering selection criteria for defining a selected group of customers to target for a marketing campaign ; a central customer information system having a plurality of branch workstations in electronic communication with said micromarketing center and said central database , said branch workstations each having a display device for selectively displaying a profile of a customer including the customer' ; s relationship with the financial institution ; means for communicating a sales promotion concept to the micromarketing center ; means located at the micromarketing center for generating at least one lead comprised of a first piece of data that identifies a customer and a second piece of data that indicates the customer' ; s interactions with the financial institution wherein the at least one lead is based on the sales promotion concept ; means for providing the at least one lead to at least one branch workstation overnight ; and at least one electronic communication link for providing real time communications between the at least one branch workstation and the central database . US5930764A CLAIM 11 . The system of claim 10 , wherein the central customer information system contains a plurality of customer profile (transaction machine, customer profile, customer name) s , each customer profile including demographic information (transaction machine, customer profile, customer name) and customer financial information including credit information and financial goals ; means for performing a needs analysis based on information contained in the central customer information system , recommending an account based on the needs analysis and presenting information concerning the component of the selected account to the customer ; and means for allowing data communication between the central customer information system and the central database . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, customer profile, graphic information, customer name) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (particular customer) to be the subject of select transactions . |
US5930764A CLAIM 1 . An integrated sales process support system , comprising : a central database ; means for inputting data into the central database from a plurality of sources ; means for searching the database in response to structured queries and identifying records that match said queries and compiling a list of leads , which includes identifying information about particular customer (monetary amount) s as well as information pertaining to the customers' ; interactions with the owner of the central database , wherein the list of leads are associated with the identified records ; at least one micromarketing center having a plurality of user workstations ; means for building said structured queries of said database in response to a user' ; s selection of criteria from a graphic user interface of a user workstation ; a plurality of geographically separated branch systems , each branch system including at least one branch workstation linked for electronic communication in real time to the central database ; a central customer information system , the central customer information system being geographically separated from , but linked for electronic communication to , the workstations at the branch systems so as to distribute the list of leads to the workstations at the branch systems . US5930764A CLAIM 3 . The system of claim 1 , wherein the system further comprises means for tracking customer arrivals at branch offices ; and wherein the system further comprises means for tracking and reporting information pertaining to the arrival in the branch for new and existing customers going through the sales process , which includes the following information : type of arrival ; wait time ; sales session time ; average session time ; usage of sale tools ; product type ; dollars per product type ; customer name (transaction machine, customer profile, customer name) and address ; product type ; purpose of visit and sales rep ID . US5930764A CLAIM 5 . An electronic sales and service support system for a financial institution (transaction machine, customer profile, customer name) , comprising : a central database containing information about households , customers , and accounts of a financial institution ; a micromarketing center having at least one user workstation in electronic communication with said central database , said user workstation having an input device for entering selection criteria for defining a selected group of customers to target for a marketing campaign ; a central customer information system having a plurality of branch workstations in electronic communication with said micromarketing center and said central database , said branch workstations each having a display device for selectively displaying a profile of a customer including the customer' ; s relationship with the financial institution ; means for communicating a sales promotion concept to the micromarketing center ; means located at the micromarketing center for generating at least one lead comprised of a first piece of data that identifies a customer and a second piece of data that indicates the customer' ; s interactions with the financial institution wherein the at least one lead is based on the sales promotion concept ; means for providing the at least one lead to at least one branch workstation overnight ; and at least one electronic communication link for providing real time communications between the at least one branch workstation and the central database . US5930764A CLAIM 11 . The system of claim 10 , wherein the central customer information system contains a plurality of customer profile (transaction machine, customer profile, customer name) s , each customer profile including demographic information (transaction machine, customer profile, customer name) and customer financial information including credit information and financial goals ; means for performing a needs analysis based on information contained in the central customer information system , recommending an account based on the needs analysis and presenting information concerning the component of the selected account to the customer ; and means for allowing data communication between the central customer information system and the central database . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5930764A CLAIM 1 . An integrated sales process support system , comprising : a central database ; means for inputting data into the central database from a plurality of sources ; means for searching the database in response to structured queries and identifying records that match said queries and compiling a list of leads , which includes identifying information about particular customers as well as information pertaining to the customers' ; interactions with the owner of the central database , wherein the list of leads are associated with the identified records ; at least one micromarketing center having a plurality of user workstations ; means for building said structured queries of said database (wireless device) in response to a user' ; s selection of criteria from a graphic user interface of a user workstation ; a plurality of geographically separated branch systems , each branch system including at least one branch workstation linked for electronic communication in real time to the central database ; a central customer information system , the central customer information system being geographically separated from , but linked for electronic communication to , the workstations at the branch systems so as to distribute the list of leads to the workstations at the branch systems . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution, customer profile, graphic information, customer name) . |
US5930764A CLAIM 3 . The system of claim 1 , wherein the system further comprises means for tracking customer arrivals at branch offices ; and wherein the system further comprises means for tracking and reporting information pertaining to the arrival in the branch for new and existing customers going through the sales process , which includes the following information : type of arrival ; wait time ; sales session time ; average session time ; usage of sale tools ; product type ; dollars per product type ; customer name (transaction machine, customer profile, customer name) and address ; product type ; purpose of visit and sales rep ID . US5930764A CLAIM 5 . An electronic sales and service support system for a financial institution (transaction machine, customer profile, customer name) , comprising : a central database containing information about households , customers , and accounts of a financial institution ; a micromarketing center having at least one user workstation in electronic communication with said central database , said user workstation having an input device for entering selection criteria for defining a selected group of customers to target for a marketing campaign ; a central customer information system having a plurality of branch workstations in electronic communication with said micromarketing center and said central database , said branch workstations each having a display device for selectively displaying a profile of a customer including the customer' ; s relationship with the financial institution ; means for communicating a sales promotion concept to the micromarketing center ; means located at the micromarketing center for generating at least one lead comprised of a first piece of data that identifies a customer and a second piece of data that indicates the customer' ; s interactions with the financial institution wherein the at least one lead is based on the sales promotion concept ; means for providing the at least one lead to at least one branch workstation overnight ; and at least one electronic communication link for providing real time communications between the at least one branch workstation and the central database . US5930764A CLAIM 11 . The system of claim 10 , wherein the central customer information system contains a plurality of customer profile (transaction machine, customer profile, customer name) s , each customer profile including demographic information (transaction machine, customer profile, customer name) and customer financial information including credit information and financial goals ; means for performing a needs analysis based on information contained in the central customer information system , recommending an account based on the needs analysis and presenting information concerning the component of the selected account to the customer ; and means for allowing data communication between the central customer information system and the central database . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution, customer profile, graphic information, customer name) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount (particular customer) to be the subject of select transactions . |
US5930764A CLAIM 1 . An integrated sales process support system , comprising : a central database ; means for inputting data into the central database from a plurality of sources ; means for searching the database in response to structured queries and identifying records that match said queries and compiling a list of leads , which includes identifying information about particular customer (monetary amount) s as well as information pertaining to the customers' ; interactions with the owner of the central database , wherein the list of leads are associated with the identified records ; at least one micromarketing center having a plurality of user workstations ; means for building said structured queries of said database in response to a user' ; s selection of criteria from a graphic user interface of a user workstation ; a plurality of geographically separated branch systems , each branch system including at least one branch workstation linked for electronic communication in real time to the central database ; a central customer information system , the central customer information system being geographically separated from , but linked for electronic communication to , the workstations at the branch systems so as to distribute the list of leads to the workstations at the branch systems . US5930764A CLAIM 3 . The system of claim 1 , wherein the system further comprises means for tracking customer arrivals at branch offices ; and wherein the system further comprises means for tracking and reporting information pertaining to the arrival in the branch for new and existing customers going through the sales process , which includes the following information : type of arrival ; wait time ; sales session time ; average session time ; usage of sale tools ; product type ; dollars per product type ; customer name (transaction machine, customer profile, customer name) and address ; product type ; purpose of visit and sales rep ID . US5930764A CLAIM 5 . An electronic sales and service support system for a financial institution (transaction machine, customer profile, customer name) , comprising : a central database containing information about households , customers , and accounts of a financial institution ; a micromarketing center having at least one user workstation in electronic communication with said central database , said user workstation having an input device for entering selection criteria for defining a selected group of customers to target for a marketing campaign ; a central customer information system having a plurality of branch workstations in electronic communication with said micromarketing center and said central database , said branch workstations each having a display device for selectively displaying a profile of a customer including the customer' ; s relationship with the financial institution ; means for communicating a sales promotion concept to the micromarketing center ; means located at the micromarketing center for generating at least one lead comprised of a first piece of data that identifies a customer and a second piece of data that indicates the customer' ; s interactions with the financial institution wherein the at least one lead is based on the sales promotion concept ; means for providing the at least one lead to at least one branch workstation overnight ; and at least one electronic communication link for providing real time communications between the at least one branch workstation and the central database . US5930764A CLAIM 11 . The system of claim 10 , wherein the central customer information system contains a plurality of customer profile (transaction machine, customer profile, customer name) s , each customer profile including demographic information (transaction machine, customer profile, customer name) and customer financial information including credit information and financial goals ; means for performing a needs analysis based on information contained in the central customer information system , recommending an account based on the needs analysis and presenting information concerning the component of the selected account to the customer ; and means for allowing data communication between the central customer information system and the central database . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5933811A Filed: 1996-08-20 Issued: 1999-08-03 System and method for delivering customized advertisements within interactive communication systems (Original Assignee) Paul D. Angles (Current Assignee) Hemisphere Solutions N A LLC Paul D. Angles, Douglas O. Blattner |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5933811A CLAIM 12 . A method of providing a customized advertisement , comprising : registering a consumer and consumer demographic data at an advertisement provider computer ; registering a content provider and content provider data at said advertisement provider computer ; receiving a request for an advertisement at said advertisement provider computer ; accessing with said advertisement provider computer , a database of advertisements which associates an advertisement with one or more advertisers ; selecting with said advertisement provider computer , at least one of said advertisements from said database (wireless device) of advertisements based on said consumer demographic data ; transferring said selected advertisement from said advertisement provider computer to said consumer through the internet ; providing a bill from said advertisement provider computer to the associated advertiser , said bill based on said selected advertisement ; and providing a credit from said advertisement provider computer to said content provider , said credit based on said selected advertisement . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5933811A CLAIM 1 . An advertisement provider computer for customizing advertisements to be transferred via the internet , comprising : a registration module executable at an advertisement provider computer , said registration module configured to allow a consumer to register consumer demographic information (customer name) , and configured to allow a content provider to register content provider information ; an advertising module executable at said advertisement provider computer , said advertising module configured to select an advertisement based on said consumer demographic information and configured to transfer said advertisement to said consumer ; and an accounting database , wherein said advertisement provider computer is configured to access said accounting database to bill an advertiser and credit said content provider when said advertisement is transferred to said consumer . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5933811A CLAIM 12 . A method of providing a customized advertisement , comprising : registering a consumer and consumer demographic data at an advertisement provider computer ; registering a content provider and content provider data at said advertisement provider computer ; receiving a request for an advertisement at said advertisement provider computer ; accessing with said advertisement provider computer , a database of advertisements which associates an advertisement with one or more advertisers ; selecting with said advertisement provider computer , at least one of said advertisements from said database (wireless device) of advertisements based on said consumer demographic data ; transferring said selected advertisement from said advertisement provider computer to said consumer through the internet ; providing a bill from said advertisement provider computer to the associated advertiser , said bill based on said selected advertisement ; and providing a credit from said advertisement provider computer to said content provider , said credit based on said selected advertisement . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5933811A CLAIM 1 . An advertisement provider computer for customizing advertisements to be transferred via the internet , comprising : a registration module executable at an advertisement provider computer , said registration module configured to allow a consumer to register consumer demographic information (customer name) , and configured to allow a content provider to register content provider information ; an advertising module executable at said advertisement provider computer , said advertising module configured to select an advertisement based on said consumer demographic information and configured to transfer said advertisement to said consumer ; and an accounting database , wherein said advertisement provider computer is configured to access said accounting database to bill an advertiser and credit said content provider when said advertisement is transferred to said consumer . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5933811A CLAIM 12 . A method of providing a customized advertisement , comprising : registering a consumer and consumer demographic data at an advertisement provider computer ; registering a content provider and content provider data at said advertisement provider computer ; receiving a request for an advertisement at said advertisement provider computer ; accessing with said advertisement provider computer , a database of advertisements which associates an advertisement with one or more advertisers ; selecting with said advertisement provider computer , at least one of said advertisements from said database (wireless device) of advertisements based on said consumer demographic data ; transferring said selected advertisement from said advertisement provider computer to said consumer through the internet ; providing a bill from said advertisement provider computer to the associated advertiser , said bill based on said selected advertisement ; and providing a credit from said advertisement provider computer to said content provider , said credit based on said selected advertisement . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5933811A CLAIM 1 . An advertisement provider computer for customizing advertisements to be transferred via the internet , comprising : a registration module executable at an advertisement provider computer , said registration module configured to allow a consumer to register consumer demographic information (customer name) , and configured to allow a content provider to register content provider information ; an advertising module executable at said advertisement provider computer , said advertising module configured to select an advertisement based on said consumer demographic information and configured to transfer said advertisement to said consumer ; and an accounting database , wherein said advertisement provider computer is configured to access said accounting database to bill an advertiser and credit said content provider when said advertisement is transferred to said consumer . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5889863A Filed: 1996-06-17 Issued: 1999-03-30 System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture (Original Assignee) Verifone Inc (Current Assignee) Hewlett Packard Enterprise Development LP Jay C. Weber |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (data element) of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data element (one plurality) s from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data elements from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (electronic commerce) during said active session . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data elements from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data elements from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data elements from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (electronic commerce) during said active session . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data elements from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (electronic commerce) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data elements from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . US5889863A CLAIM 8 . The method of claim 1 , wherein one (wherein one) or more transactions are submitted from the remote client , which is at a different location than that of the server . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (electronic commerce) is classified as being one or more of current or approved content . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data elements from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (electronic commerce) is transmitted during said active session . |
US5889863A CLAIM 1 . A method for communicating between a remote client and a server , comprising the steps of : establishing a communication link between the remote client and the server ; transmitting one or more data elements from the remote client to the server via the communication link ; parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements ; authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce (marketing content) application residing on the server ; and allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5987434A Filed: 1996-06-10 Issued: 1999-11-16 Apparatus and method for transacting marketing and sales of financial products (Original Assignee) Libman; Richard Marc (Current Assignee) RPX Corp Richard Marc Libman |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (remote location) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5987434A CLAIM 24 . An apparatus as recited in claim 23 , further including means operatively coupled to the client communication preparing means for outputting the client communications to a remote location (wireless device) . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (bar code) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (remote location) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5987434A CLAIM 6 . An apparatus as recited in claim 1 , wherein the inputting means comprises a bar code (computer systems) reader . US5987434A CLAIM 24 . An apparatus as recited in claim 23 , further including means operatively coupled to the client communication preparing means for outputting the client communications to a remote location (wireless device) . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (bar code) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (remote location) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5987434A CLAIM 6 . An apparatus as recited in claim 1 , wherein the inputting means comprises a bar code (computer systems) reader . US5987434A CLAIM 24 . An apparatus as recited in claim 23 , further including means operatively coupled to the client communication preparing means for outputting the client communications to a remote location (wireless device) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | JPH09231443A Filed: 1996-02-28 Issued: 1997-09-05 現金自動取引装置におけるメッセージ表示制御方法 (Original Assignee) Hitachi Chubu Software Ltd; Hitachi Ltd; 日立中部ソフトウェア株式会社; 株式会社日立製作所 Kazumi Nonoyama, Norikazu Okui, 教和 奥井, 和美 野々山 |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (データ) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JPH09231443A CLAIM 1 【請求項１】 取引に必要な情報を入力する入力操作部 と、操作の誘導や確認をするためのガイダンス表示部 と、カードに記録されたデータ (wireless device) の読み取り／書き込みを 行うカード処理部と、明細票の発行を行う明細票発行部 と、紙幣の入出金および鑑別を行う紙幣入出金部と、硬 貨の入出金および鑑別を行う硬貨入出金部と、通帳の印 字を行う通帳印字部と、各種情報を記憶する磁気ディス ク部と、上位装置との間でデータの送受信を行う伝送制 御部とを具備する現金自動取引装置におけるメッセージ 表示制御方法において、 予め決められた口座引き落としに関するデータを上位装 置に登録しておき、利用者が取引操作を行った際、該上 位装置が、上記口座引き落としに関するデータに基づい て所定期間における口座引き落とし合計金額と取引後の 口座残高を比較し、所定期間における口座引き落とし合 計金額が取引後の口座残高のより大きくなった場合に口 座引き落としに関するメッセージを前記現金取引装置に 送出し、上位装置から受け取った現金取引装置が、前記 口座引き落としに関するメッセージを前記ガイダンス表 示部に表示するようにしたことを特徴とする現金自動取 引装置におけるメッセージ表示制御方法。 |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JPH09231443A CLAIM 1 【請求項１】 取引に必要な情報を入力する入力操作部 と、操作の誘導や確認をするためのガイダンス表示部 と、カードに記録されたデータの読み取り／書き込みを 行うカード処理部と、明細票の発行を行う明細票発行部 と、紙幣の入出金および鑑別を行う紙幣入出金部と、硬 貨の入出金および鑑別を行う硬貨入出金部と、通帳の印 字を行う通帳印字部と、各種情報を記憶する磁気ディス ク部と、上位装置との間でデータの送受信を行う伝送制 御部とを具備する現金自動取引装置におけるメッセー (customer profile) ジ 表示制御方法において、 予め決められた口座引き落としに関するデータを上位装 置に登録しておき、利用者が取引操作を行った際、該上 位装置が、上記口座引き落としに関するデータに基づい て所定期間における口座引き落とし合計金額と取引後の 口座残高を比較し、所定期間における口座引き落とし合 計金額が取引後の口座残高のより大きくなった場合に口 座引き落としに関するメッセージを前記現金取引装置に 送出し、上位装置から受け取った現金取引装置が、前記 口座引き落としに関するメッセージを前記ガイダンス表 示部に表示するようにしたことを特徴とする現金自動取 引装置におけるメッセージ表示制御方法。 |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (データ) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JPH09231443A CLAIM 1 【請求項１】 取引に必要な情報を入力する入力操作部 と、操作の誘導や確認をするためのガイダンス表示部 と、カードに記録されたデータ (wireless device) の読み取り／書き込みを 行うカード処理部と、明細票の発行を行う明細票発行部 と、紙幣の入出金および鑑別を行う紙幣入出金部と、硬 貨の入出金および鑑別を行う硬貨入出金部と、通帳の印 字を行う通帳印字部と、各種情報を記憶する磁気ディス ク部と、上位装置との間でデータの送受信を行う伝送制 御部とを具備する現金自動取引装置におけるメッセージ 表示制御方法において、 予め決められた口座引き落としに関するデータを上位装 置に登録しておき、利用者が取引操作を行った際、該上 位装置が、上記口座引き落としに関するデータに基づい て所定期間における口座引き落とし合計金額と取引後の 口座残高を比較し、所定期間における口座引き落とし合 計金額が取引後の口座残高のより大きくなった場合に口 座引き落としに関するメッセージを前記現金取引装置に 送出し、上位装置から受け取った現金取引装置が、前記 口座引き落としに関するメッセージを前記ガイダンス表 示部に表示するようにしたことを特徴とする現金自動取 引装置におけるメッセージ表示制御方法。 |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JPH09231443A CLAIM 1 【請求項１】 取引に必要な情報を入力する入力操作部 と、操作の誘導や確認をするためのガイダンス表示部 と、カードに記録されたデータの読み取り／書き込みを 行うカード処理部と、明細票の発行を行う明細票発行部 と、紙幣の入出金および鑑別を行う紙幣入出金部と、硬 貨の入出金および鑑別を行う硬貨入出金部と、通帳の印 字を行う通帳印字部と、各種情報を記憶する磁気ディス ク部と、上位装置との間でデータの送受信を行う伝送制 御部とを具備する現金自動取引装置におけるメッセー (customer profile) ジ 表示制御方法において、 予め決められた口座引き落としに関するデータを上位装 置に登録しておき、利用者が取引操作を行った際、該上 位装置が、上記口座引き落としに関するデータに基づい て所定期間における口座引き落とし合計金額と取引後の 口座残高を比較し、所定期間における口座引き落とし合 計金額が取引後の口座残高のより大きくなった場合に口 座引き落としに関するメッセージを前記現金取引装置に 送出し、上位装置から受け取った現金取引装置が、前記 口座引き落としに関するメッセージを前記ガイダンス表 示部に表示するようにしたことを特徴とする現金自動取 引装置におけるメッセージ表示制御方法。 |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (データ) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (表示部) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JPH09231443A CLAIM 1 【請求項１】 取引に必要な情報を入力する入力操作部 と、操作の誘導や確認をするためのガイダンス表示部 (data storage device) と、カードに記録されたデータ (wireless device) の読み取り／書き込みを 行うカード処理部と、明細票の発行を行う明細票発行部 と、紙幣の入出金および鑑別を行う紙幣入出金部と、硬 貨の入出金および鑑別を行う硬貨入出金部と、通帳の印 字を行う通帳印字部と、各種情報を記憶する磁気ディス ク部と、上位装置との間でデータの送受信を行う伝送制 御部とを具備する現金自動取引装置におけるメッセージ 表示制御方法において、 予め決められた口座引き落としに関するデータを上位装 置に登録しておき、利用者が取引操作を行った際、該上 位装置が、上記口座引き落としに関するデータに基づい て所定期間における口座引き落とし合計金額と取引後の 口座残高を比較し、所定期間における口座引き落とし合 計金額が取引後の口座残高のより大きくなった場合に口 座引き落としに関するメッセージを前記現金取引装置に 送出し、上位装置から受け取った現金取引装置が、前記 口座引き落としに関するメッセージを前記ガイダンス表 示部に表示するようにしたことを特徴とする現金自動取 引装置におけるメッセージ表示制御方法。 |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (メッセー) . |
JPH09231443A CLAIM 1 【請求項１】 取引に必要な情報を入力する入力操作部 と、操作の誘導や確認をするためのガイダンス表示部 と、カードに記録されたデータの読み取り／書き込みを 行うカード処理部と、明細票の発行を行う明細票発行部 と、紙幣の入出金および鑑別を行う紙幣入出金部と、硬 貨の入出金および鑑別を行う硬貨入出金部と、通帳の印 字を行う通帳印字部と、各種情報を記憶する磁気ディス ク部と、上位装置との間でデータの送受信を行う伝送制 御部とを具備する現金自動取引装置におけるメッセー (customer profile) ジ 表示制御方法において、 予め決められた口座引き落としに関するデータを上位装 置に登録しておき、利用者が取引操作を行った際、該上 位装置が、上記口座引き落としに関するデータに基づい て所定期間における口座引き落とし合計金額と取引後の 口座残高を比較し、所定期間における口座引き落とし合 計金額が取引後の口座残高のより大きくなった場合に口 座引き落としに関するメッセージを前記現金取引装置に 送出し、上位装置から受け取った現金取引装置が、前記 口座引き落としに関するメッセージを前記ガイダンス表 示部に表示するようにしたことを特徴とする現金自動取 引装置におけるメッセージ表示制御方法。 |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5742845A Filed: 1995-06-22 Issued: 1998-04-21 System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network (Original Assignee) Datascape Inc (Current Assignee) WiLAN Technologies Inc Richard Hiers Wagner |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (said application) of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5742845A CLAIM 7 . The system of claim 1 further comprising : protocol statements for said extended open network protocol which support communication between said server and said I/O devices ; application statements for an application on said server ; and a common gateway interface (CGI) for providing data between said protocol statements and said application (different types) statements . US5742845A CLAIM 22 . The system of claim 21 wherein said database (wireless device) application is a Structured Query Language application . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US5742845A CLAIM 28 . The system of claim 27 wherein said form (customer profile) communicated by said server to said one of said I/O devices includes a command for an alternative communication link so that a program co-resident in said one of said I/O devices is activated for said alternative communication link . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (bar code) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5742845A CLAIM 14 . The system of claim 1 wherein at least one of said I/O devices is a bar code (computer systems) reader so that data encoded with bar codes and read by said bar code reader may be communicated between said bar code reader and said server by said extended open network protocol . US5742845A CLAIM 22 . The system of claim 21 wherein said database (wireless device) application is a Structured Query Language application . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US5742845A CLAIM 28 . The system of claim 27 wherein said form (customer profile) communicated by said server to said one of said I/O devices includes a command for an alternative communication link so that a program co-resident in said one of said I/O devices is activated for said alternative communication link . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (bar code) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5742845A CLAIM 14 . The system of claim 1 wherein at least one of said I/O devices is a bar code (computer systems) reader so that data encoded with bar codes and read by said bar code reader may be communicated between said bar code reader and said server by said extended open network protocol . US5742845A CLAIM 22 . The system of claim 21 wherein said database (wireless device) application is a Structured Query Language application . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US5742845A CLAIM 28 . The system of claim 27 wherein said form (customer profile) communicated by said server to said one of said I/O devices includes a command for an alternative communication link so that a program co-resident in said one of said I/O devices is activated for said alternative communication link . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5870724A Filed: 1995-06-06 Issued: 1999-02-09 Targeting advertising in a home retail banking delivery service (Original Assignee) Online Resources and Communications Corp (Current Assignee) OFFICIAL PAYMENTS Corp Matthew P. Lawlor, Timothy E. Carmody |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5870724A CLAIM 1 . A method of distributing advertising information remotely to users comprising the following steps : providing an arrangement to said users that enables the users to access home banking services from user terminals ; communicating with said user terminals on demand using a central computer ; receiving requests with said central computer from said user terminals ; processing said received requests with said central computer ; storing indicia of said processed requests in a database ; obtaining , with said central computer , information advertising a product or service from an advertiser ; processing said database (wireless device) to target specific users who may be interested in said advertising information ; transmitting said advertising information from said central computer to the user terminals operated by said targeted specific users ; prompting said targeted specific users to select whether they want further information with respect to said product or service ; receiving and testing user responses to said prompting step ; and selecting users for delivery of further information relating to the product or service based at least in part on whether said users provide at least one predetermined response to said prompting step . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US5870724A CLAIM 17 . A method as in claim 10 wherein the storing and processing step includes the step of generating a database containing user financial transactions (conducting transactions) , and analyzing the database to determine user demographic information (customer name) . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5870724A CLAIM 1 . A method of distributing advertising information remotely to users comprising the following steps : providing an arrangement to said users that enables the users to access home banking services from user terminals ; communicating with said user terminals on demand using a central computer ; receiving requests with said central computer from said user terminals ; processing said received requests with said central computer ; storing indicia of said processed requests in a database ; obtaining , with said central computer , information advertising a product or service from an advertiser ; processing said database (wireless device) to target specific users who may be interested in said advertising information ; transmitting said advertising information from said central computer to the user terminals operated by said targeted specific users ; prompting said targeted specific users to select whether they want further information with respect to said product or service ; receiving and testing user responses to said prompting step ; and selecting users for delivery of further information relating to the product or service based at least in part on whether said users provide at least one predetermined response to said prompting step . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US5870724A CLAIM 17 . A method as in claim 10 wherein the storing and processing step includes the step of generating a database containing user financial transactions (conducting transactions) , and analyzing the database to determine user demographic information (customer name) . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (following steps) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5870724A CLAIM 1 . A method of distributing advertising information remotely to users comprising the following steps (data storage device) : providing an arrangement to said users that enables the users to access home banking services from user terminals ; communicating with said user terminals on demand using a central computer ; receiving requests with said central computer from said user terminals ; processing said received requests with said central computer ; storing indicia of said processed requests in a database ; obtaining , with said central computer , information advertising a product or service from an advertiser ; processing said database (wireless device) to target specific users who may be interested in said advertising information ; transmitting said advertising information from said central computer to the user terminals operated by said targeted specific users ; prompting said targeted specific users to select whether they want further information with respect to said product or service ; receiving and testing user responses to said prompting step ; and selecting users for delivery of further information relating to the product or service based at least in part on whether said users provide at least one predetermined response to said prompting step . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (graphic information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US5870724A CLAIM 17 . A method as in claim 10 wherein the storing and processing step includes the step of generating a database containing user financial transactions (conducting transactions) , and analyzing the database to determine user demographic information (customer name) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5687322A Filed: 1995-06-01 Issued: 1997-11-11 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp David W. Deaton, Rodney G. Gabriel |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (stored data) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5687322A CLAIM 9 . A method for targeted customer promotion at a retail store comprising ; entering a customer' ; s identification code , along with customer transaction data , at the point-of-sale ; detecting the universal product code on products purchased by said customers ; storing a plurality of previously catered customer identification codes and customer transaction data ; storing data relating to universal product codes of products purchased in prior shopping visits by said customer , such that data regarding individual customer' ; s product purchasing histories are stored in association with said customer identification codes ; determining from said stored data (computer system) a set of previously purchased products purchased by a specific customer in prior visits to the store ; said set of products comprising a plurality of product brands from a plurality of product categories of previously purchased products ; determining from said set a subset of products based upon customer preference for said products in said set , wherein said preference is determined by a predetermined preference criteria ; generating a signal for a specific customer whose prior shopping visits meet a predetermined prior shopping visit history criteria ; and in response to said signal , issuing an incentive involving at least one product from said subset of products to said specific customer for a preferred product relative to said plurality of product brands previously purchased by said specific customer . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (bar code) , wherein each computer system (stored data) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5687322A CLAIM 1 . A system for targeted customer promotion at a retail store comprising : a terminal for entering a plurality of customer' ; s identification codes , along with customer transaction data , at the point-of-sale ; a bar code (computer systems) reader for detecting the universal product code on products purchased by said customers ; a memory for storing a plurality of previously entered customer identification codes and customer transaction data ; said memory further storing data relating to universal product codes of products purchased in prior shopping visits by an individual customer , such that data regarding said individual customer' ; s product purchases and shopping histories are stored in association with said customer identification codes ; a processor operable to determine from said memory a set of previously purchased products purchased by a specific customer in prior visits to the store ; said set of products comprising a plurality of product brands from a plurality of product categories of products previously purchased by said individual customer ; said processor determining from said set a subset of products which may be used as incentives , said subset based upon customer preference for said products in said set , wherein said preference is determined by a predetermined preference criteria ; circuitry for generating a signal upon detection of a specific customer' ; s identification code whose prior shopping visits meet a predetermined prior shopping history criteria ; and apparatus responsive to said signal for issuing an incentive involving at least one product from said subset of products such that said specific customer is issued an incentive for a product preferred by said specific customer from among those previously purchased by said specific customer . US5687322A CLAIM 9 . A method for targeted customer promotion at a retail store comprising ; entering a customer' ; s identification code , along with customer transaction data , at the point-of-sale ; detecting the universal product code on products purchased by said customers ; storing a plurality of previously catered customer identification codes and customer transaction data ; storing data relating to universal product codes of products purchased in prior shopping visits by said customer , such that data regarding individual customer' ; s product purchasing histories are stored in association with said customer identification codes ; determining from said stored data (computer system) a set of previously purchased products purchased by a specific customer in prior visits to the store ; said set of products comprising a plurality of product brands from a plurality of product categories of previously purchased products ; determining from said set a subset of products based upon customer preference for said products in said set , wherein said preference is determined by a predetermined preference criteria ; generating a signal for a specific customer whose prior shopping visits meet a predetermined prior shopping visit history criteria ; and in response to said signal , issuing an incentive involving at least one product from said subset of products to said specific customer for a preferred product relative to said plurality of product brands previously purchased by said specific customer . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (bar code) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (said memory) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5687322A CLAIM 1 . A system for targeted customer promotion at a retail store comprising : a terminal for entering a plurality of customer' ; s identification codes , along with customer transaction data , at the point-of-sale ; a bar code (computer systems) reader for detecting the universal product code on products purchased by said customers ; a memory for storing a plurality of previously entered customer identification codes and customer transaction data ; said memory (data storage device) further storing data relating to universal product codes of products purchased in prior shopping visits by an individual customer , such that data regarding said individual customer' ; s product purchases and shopping histories are stored in association with said customer identification codes ; a processor operable to determine from said memory a set of previously purchased products purchased by a specific customer in prior visits to the store ; said set of products comprising a plurality of product brands from a plurality of product categories of products previously purchased by said individual customer ; said processor determining from said set a subset of products which may be used as incentives , said subset based upon customer preference for said products in said set , wherein said preference is determined by a predetermined preference criteria ; circuitry for generating a signal upon detection of a specific customer' ; s identification code whose prior shopping visits meet a predetermined prior shopping history criteria ; and apparatus responsive to said signal for issuing an incentive involving at least one product from said subset of products such that said specific customer is issued an incentive for a product preferred by said specific customer from among those previously purchased by said specific customer . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5546523A Filed: 1995-04-13 Issued: 1996-08-13 Electronic fund transfer system (Original Assignee) Gatto; James G. (Current Assignee) Millennium Commerce LLC James G. Gatto |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (control system) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . US5546523A CLAIM 11 . In an automated teller machine system comprising a central controller having an associated control system (computer systems) memory , and at least one transaction terminal comprising an input , a display , a controller , a local memory and an identification card reader , a method of executing a user-defined transaction comprising the steps of : (a) storing user-defined custom transaction information on the identification card ; (b) entering an identification card into the identification card reader ; (c) reading information stored on the identification card , including user-defined transaction information stored on the identification card ; (d) displaying a customized menu including a plurality of user-defined transactions based on information read from the identification card ; (e) selecting one of the displayed transactions ; and (f) executing the transaction selected in step (e) . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (control system) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . US5546523A CLAIM 11 . In an automated teller machine system comprising a central controller having an associated control system (computer systems) memory , and at least one transaction terminal comprising an input , a display , a controller , a local memory and an identification card reader , a method of executing a user-defined transaction comprising the steps of : (a) storing user-defined custom transaction information on the identification card ; (b) entering an identification card into the identification card reader ; (c) reading information stored on the identification card , including user-defined transaction information stored on the identification card ; (d) displaying a customized menu including a plurality of user-defined transactions based on information read from the identification card ; (e) selecting one of the displayed transactions ; and (f) executing the transaction selected in step (e) . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (action information) is classified as being one or more of current or approved content . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (action information) is transmitted during said active session . |
US5546523A CLAIM 1 . An automated teller machine system for use by a plurality of users comprising : user identification cards unique to each user and having information stored thereon including transaction information (marketing content) corresponding to custom transactions predefined by the user of the identification card ; at least one user accessible transaction terminal comprising : card reader means for reading information stored on the user' ; s identification card ; display means for displaying a user customized menu comprising one or more of the custom transactions based on information read from the user' ; s identification card ; input means for enabling the user to select a custom transaction from the customized menu for execution ; and control means for executing a selected transaction . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5677955A Filed: 1995-04-07 Issued: 1997-10-14 Electronic funds transfer instruments (Original Assignee) Telcordia Technologies Inc; Financial Services Technology Consortium; First National Bank of Boston (Current Assignee) Telcordia Technologies Inc ; Financial Services Technology Consortium ; FleetBoston Financial Corp John Doggett, Frank A. Jaffe, Milton M. Anderson |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server (digital certificates) coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5677955A CLAIM 48 . A computer-based method for use with an electronic payment instrument comprising printing a paper version of the electronic payment instrument with digital signatures and digital certificates (multi-channel server) by an issuing bank of the authenticity of an account or an account holder to which the instrument relates , passing the paper version through the check clearing system to the issuing bank , at the issuing bank , scanning the paper version to derive a digital version , and at the issuing bank electronically verifying the digital version based on the signatures and the certificates . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US5677955A CLAIM 1 . A computer-based method comprising creating an electronic instrument for effecting a transfer of funds from an account of a payer in a funds-holding institution to a payee , the instrument including an electronic signature (conducting transactions) of the payer , and appending , to the electronic instrument , digital representations of a verifiable certificate by the institution of the authenticity of the account or the account holder . US5677955A CLAIM 49 . Apparatus for maintaining bank account information electronically comprising a portable token holding information for enabling a user to add signatures and certifications by a funds-holding institution of the authenticity of the account or an account holder to an electronic bank (monetary amount) ing instrument drawn on the account , and a separate portable token holding a register of transactions associated with the account . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server (digital certificates) coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5677955A CLAIM 48 . A computer-based method for use with an electronic payment instrument comprising printing a paper version of the electronic payment instrument with digital signatures and digital certificates (multi-channel server) by an issuing bank of the authenticity of an account or an account holder to which the instrument relates , passing the paper version through the check clearing system to the issuing bank , at the issuing bank , scanning the paper version to derive a digital version , and at the issuing bank electronically verifying the digital version based on the signatures and the certificates . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US5677955A CLAIM 1 . A computer-based method comprising creating an electronic instrument for effecting a transfer of funds from an account of a payer in a funds-holding institution to a payee , the instrument including an electronic signature (conducting transactions) of the payer , and appending , to the electronic instrument , digital representations of a verifiable certificate by the institution of the authenticity of the account or the account holder . US5677955A CLAIM 49 . Apparatus for maintaining bank account information electronically comprising a portable token holding information for enabling a user to add signatures and certifications by a funds-holding institution of the authenticity of the account or an account holder to an electronic bank (monetary amount) ing instrument drawn on the account , and a separate portable token holding a register of transactions associated with the account . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server (digital certificates) , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5677955A CLAIM 48 . A computer-based method for use with an electronic payment instrument comprising printing a paper version of the electronic payment instrument with digital signatures and digital certificates (multi-channel server) by an issuing bank of the authenticity of an account or an account holder to which the instrument relates , passing the paper version through the check clearing system to the issuing bank , at the issuing bank , scanning the paper version to derive a digital version , and at the issuing bank electronically verifying the digital version based on the signatures and the certificates . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (electronic signature) , and a monetary amount (electronic bank) to be the subject of select transactions . |
US5677955A CLAIM 1 . A computer-based method comprising creating an electronic instrument for effecting a transfer of funds from an account of a payer in a funds-holding institution to a payee , the instrument including an electronic signature (conducting transactions) of the payer , and appending , to the electronic instrument , digital representations of a verifiable certificate by the institution of the authenticity of the account or the account holder . US5677955A CLAIM 49 . Apparatus for maintaining bank account information electronically comprising a portable token holding information for enabling a user to add signatures and certifications by a funds-holding institution of the authenticity of the account or an account holder to an electronic bank (monetary amount) ing instrument drawn on the account , and a separate portable token holding a register of transactions associated with the account . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5787403A Filed: 1995-03-08 Issued: 1998-07-28 Bank-centric service platform, network and system (Original Assignee) Huntington Bancshares Inc (Current Assignee) DataTreasury Corp William M. Randle |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (remote location) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5787403A CLAIM 1 . A bank-centric service platform that enables access by a bank customer at a remote location (wireless device) to financial information , products and services maintained by a bank at a central location and to financial and non-financial information , products and services of other providers accessible through the bank , said banking service platform comprising : a central information processor at the central location of a bank , said processor including data storage files relating to bank customers and accounts as the bank maintains these files in the ordinary course and categories of financial information , products and services conventionally offered by the bank ; a branded access gateway interconnected to the bank central information processor providing communication with other providers of financial and non-financial information , products and services with which a bank customer may initiate a transaction , the branded access gateway being controlled by the bank and having characteristics uniquely associated with the bank ; a client server operatively interconnected to communicate with customer operable transceivers at remote locations , said client server enabling live video-conferencing between the bank and a customer substantially simultaneously with real-time data transmission between said customer operable transceiver and said central information processor through said client server , said client server processing communications to and from said customer operable transceivers , and enabling a customer using the transceiver to access and control items in , and perform transactions with respect to , information products and services of the bank in the data storage files of the central information processor and to access the financial and non-financial information , products and services of other providers that are accessible through the branded gateway from said central information processor and to initiate transactions therewith . US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one (comprise one) or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one (comprise one) or more of the group consisting of balance inquiry , transaction information , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (remote location) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5787403A CLAIM 1 . A bank-centric service platform that enables access by a bank customer at a remote location (wireless device) to financial information , products and services maintained by a bank at a central location and to financial and non-financial information , products and services of other providers accessible through the bank , said banking service platform comprising : a central information processor at the central location of a bank , said processor including data storage files relating to bank customers and accounts as the bank maintains these files in the ordinary course and categories of financial information , products and services conventionally offered by the bank ; a branded access gateway interconnected to the bank central information processor providing communication with other providers of financial and non-financial information , products and services with which a bank customer may initiate a transaction , the branded access gateway being controlled by the bank and having characteristics uniquely associated with the bank ; a client server operatively interconnected to communicate with customer operable transceivers at remote locations , said client server enabling live video-conferencing between the bank and a customer substantially simultaneously with real-time data transmission between said customer operable transceiver and said central information processor through said client server , said client server processing communications to and from said customer operable transceivers , and enabling a customer using the transceiver to access and control items in , and perform transactions with respect to , information products and services of the bank in the data storage files of the central information processor and to access the financial and non-financial information , products and services of other providers that are accessible through the branded gateway from said central information processor and to initiate transactions therewith . US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one (comprise one) or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one (comprise one) or more of the group consisting of balance inquiry , transaction information , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (action information) is classified as being one or more of current or approved content . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (action information) during said active session . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one (comprise one) or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (remote location) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (action information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5787403A CLAIM 1 . A bank-centric service platform that enables access by a bank customer at a remote location (wireless device) to financial information , products and services maintained by a bank at a central location and to financial and non-financial information , products and services of other providers accessible through the bank , said banking service platform comprising : a central information processor at the central location of a bank , said processor including data storage files relating to bank customers and accounts as the bank maintains these files in the ordinary course and categories of financial information , products and services conventionally offered by the bank ; a branded access gateway interconnected to the bank central information processor providing communication with other providers of financial and non-financial information , products and services with which a bank customer may initiate a transaction , the branded access gateway being controlled by the bank and having characteristics uniquely associated with the bank ; a client server operatively interconnected to communicate with customer operable transceivers at remote locations , said client server enabling live video-conferencing between the bank and a customer substantially simultaneously with real-time data transmission between said customer operable transceiver and said central information processor through said client server , said client server processing communications to and from said customer operable transceivers , and enabling a customer using the transceiver to access and control items in , and perform transactions with respect to , information products and services of the bank in the data storage files of the central information processor and to access the financial and non-financial information , products and services of other providers that are accessible through the branded gateway from said central information processor and to initiate transactions therewith . US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one (comprise one) or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one (comprise one) or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one (comprise one) or more of the group consisting of balance inquiry , transaction information , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (action information) is classified as being one or more of current or approved content . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (action information) is transmitted during said active session . |
US5787403A CLAIM 5 . The banking service platform of claim 1 wherein categories of financial information , products and services available to a bank customer comprise one or more of the group consisting of balance inquiry , transaction information (marketing content) , funds transfer , bill payment , brokerage investment , brokerage information , loan applications , loan account review , commercial banking , and the gateway connects to financial and non-financial products and services available from third parties . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5537314A Filed: 1995-02-23 Issued: 1996-07-16 Referral recognition system for an incentive award program (Original Assignee) First Marketrust Intl (Current Assignee) First Marketrust Intl Mark W. Kanter |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote (predetermined location) from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5537314A CLAIM 9 . In a system for an incentive program for at least one program sponsoring company having individual program participants , wherein said system incorporates multilevel marketing and wherein the use of such a system has been limited to a certain type of business wherein said certain type of business is the type of company wherein at least a majority of their business comprises providing customers with end products that said customers order primarily through their catalog , wherein said end products reach said customers' ; residences from a merchandise supply center primarily by way of at least a person carried type delivery , wherein the person making the delivery is typically other than the customer , improvements comprising : in a predetermined location (locations remote) arrangement at least : (a) a computer data storage memory having at least data storage areas for storing computer data , wherein at least one of the storage areas comprises a software program for at least determining that a selection of the storage areas is associated with an identifier associated with at least one of the participants ; (b) a computer data entry device for registering at least performance data associated with the associated participant , wherein said performance data comprises at least said identifier which is determined irrespective of how the identified participant pays for a purchase ; (c) a computer data processing device at least having means for communicating with both the storage memory and the entry device and automatically applying at least the software program with said performance data to determine resulting award information to store in the selection of storage areas associated with said identifier ; (d) a conveying means for communicating at least the award information appearing in at least one of the selection of the storage areas associated with said identifier so as to be received by at least one of the participants who is other than the associated participant ; (e) a receiving means for receiving the award information appearing in at least one of the selection of the storage areas associated with said identifier so as to be received by at least one of the participants who is other than the associated participant , wherein the communicated award information is being issued in association with the respective sponsoring company and wherein the respective sponsoring company is other than the limited type , thereby providing an improved program any of various types of merchants heretofore impeded from competing on a multilevel playing field . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (same storage) . |
US5537314A CLAIM 2 . The system of claim 1 wherein said software program is arranged such that said selection of the storage areas are predesignated and such predesignated selection is stored in at least one of the storage areas , wherein subsequent communications of the same performance data to the processing device will produce additional results in the same storage (select transactions) areas . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote (predetermined location) from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5537314A CLAIM 9 . In a system for an incentive program for at least one program sponsoring company having individual program participants , wherein said system incorporates multilevel marketing and wherein the use of such a system has been limited to a certain type of business wherein said certain type of business is the type of company wherein at least a majority of their business comprises providing customers with end products that said customers order primarily through their catalog , wherein said end products reach said customers' ; residences from a merchandise supply center primarily by way of at least a person carried type delivery , wherein the person making the delivery is typically other than the customer , improvements comprising : in a predetermined location (locations remote) arrangement at least : (a) a computer data storage memory having at least data storage areas for storing computer data , wherein at least one of the storage areas comprises a software program for at least determining that a selection of the storage areas is associated with an identifier associated with at least one of the participants ; (b) a computer data entry device for registering at least performance data associated with the associated participant , wherein said performance data comprises at least said identifier which is determined irrespective of how the identified participant pays for a purchase ; (c) a computer data processing device at least having means for communicating with both the storage memory and the entry device and automatically applying at least the software program with said performance data to determine resulting award information to store in the selection of storage areas associated with said identifier ; (d) a conveying means for communicating at least the award information appearing in at least one of the selection of the storage areas associated with said identifier so as to be received by at least one of the participants who is other than the associated participant ; (e) a receiving means for receiving the award information appearing in at least one of the selection of the storage areas associated with said identifier so as to be received by at least one of the participants who is other than the associated participant , wherein the communicated award information is being issued in association with the respective sponsoring company and wherein the respective sponsoring company is other than the limited type , thereby providing an improved program any of various types of merchants heretofore impeded from competing on a multilevel playing field . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (same storage) . |
US5537314A CLAIM 2 . The system of claim 1 wherein said software program is arranged such that said selection of the storage areas are predesignated and such predesignated selection is stored in at least one of the storage areas , wherein subsequent communications of the same performance data to the processing device will produce additional results in the same storage (select transactions) areas . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (same storage) . |
US5537314A CLAIM 2 . The system of claim 1 wherein said software program is arranged such that said selection of the storage areas are predesignated and such predesignated selection is stored in at least one of the storage areas , wherein subsequent communications of the same performance data to the processing device will produce additional results in the same storage (select transactions) areas . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5482139A Filed: 1995-02-16 Issued: 1996-01-09 Automated drive-up vending facility (Original Assignee) M A Rivalto Inc (Current Assignee) M A Rivalto Inc Michael A. Rivalto |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (product promotion) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile (customer profile) based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotional criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (purchase information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5482139A CLAIM 4 . The system of claim 1 further comprising means for storing customer purchase information (customer name) to accumulate a purchase history . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (product promotion) is classified as being one or more of current or approved content . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (product promotion) during said active session . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (product promotion) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile (customer profile) based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotional criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (purchase information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5482139A CLAIM 4 . The system of claim 1 further comprising means for storing customer purchase information (customer name) to accumulate a purchase history . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (product promotion) is classified as being one or more of current or approved content . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (product promotion) during said active session . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (product promotion) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (customer profile) . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile (customer profile) based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotional criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (purchase information) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5482139A CLAIM 4 . The system of claim 1 further comprising means for storing customer purchase information (customer name) to accumulate a purchase history . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (product promotion) is classified as being one or more of current or approved content . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (product promotion) is transmitted during said active session . |
US5482139A CLAIM 18 . A method for automated vending of consumer products , said consumer products being inventoried in a vending facility having a video means for displaying the inventoried products to a customer , input means for receiving customer information and product selections , and means for retrieving and dispensing to the customer the selected products from their inventoried location within the facility , said method comprising the steps of : using said video means to prompt a customer to input customer identification information with said input means ; determining a customer profile based on said input identification information ; determining whether said customer profile satisfies a first set of predetermined product promotion (marketing content) al criteria ; activating a first predetermined product promotional arrangement if said customer profile satisfies said first predetermined promotional criteria ; providing at least one customer requested product selection menu on said video display means ; receiving the customer' ; s product selections from said input ; retrieving the selected products from the vending facility ; and dispensing said retrieved products to the customer . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | JPH07234958A Filed: 1994-12-21 Issued: 1995-09-05 自動窓口機での顧客識別方法及び装置 (Original Assignee) Eastman Kodak Co; イーストマン コダック カンパニー Richard Nathan Ellson, Lawrence Allen Ray, Uszer Asher Teigman, アシャー テイグマン ウスザー, ネイタン エルソン リチャード, アレン レイ ローレンス |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage (スシステム) display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベースマネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステム (digital signage) と；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (データベース) . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベース (customer profile, customer name) マネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステムと；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (データベース) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベース (customer profile, customer name) マネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステムと；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage (スシステム) display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベースマネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステム (digital signage) と；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (データベース) . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベース (customer profile, customer name) マネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステムと；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (データベース) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベース (customer profile, customer name) マネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステムと；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage (スシステム) display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベースマネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステム (digital signage) と；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (データベース) . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベース (customer profile, customer name) マネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステムと；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (データベース) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
JPH07234958A CLAIM 1 【請求項１】制御ソフトウエア及びデータベース (customer profile, customer name) マネー ジャーを含む処理資源と；該制御ソフトウエアにより起 動された信号に対応するデジタル画像を記録するデジタ ルカメラと；該デジタル画像を圧縮する圧縮資源と；デ ータベースシステムと；からなり、該データベースシス テムはデータベースマネージャーとデータベース記憶装 置とを含み、該データベースマネージャーは該制御ソフ トウエアの制御下で動作し、該データベース記憶装置内 の該圧縮された画像の記憶を制御する自動顧客対話装 置。 |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5465206A Filed: 1993-11-01 Issued: 1995-11-07 Electronic bill pay system (Original Assignee) Visa International Service Association (Current Assignee) Visa International Service Association James J. Hilt, Ron Hodges, Stephen W. Pardue, William L. Powar |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (currency conversion, automatic response, electronic data, stored data) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (data element) of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5465206A CLAIM 12 . The apparatus of claim 11 , wherein the first transaction processor further comprises currency conversion (customer name, computer system) means for denominating the debit portion of the accounting transaction to the consumer account in a third currency . US5465206A CLAIM 13 . The apparatus of claim 1 , wherein said order input means is an automatic response (customer name, computer system) unit , comprising a consumer telephone which emits computer detectable tones when keys are pressed , and an interactive processor which prompts the consumer to press keys on said consumer telephone and converts the resulting tones into electronically stored data (customer name, computer system) representing an information content of said bill pay order . US5465206A CLAIM 16 . A method of paying bills electronically , wherein funds are effectively transferred between a consumer and a biller , comprising the steps of : accepting a payment amount and a biller identification (ID) from the consumer ; converting said payment amount and said biller ID into a bill pay order , which bill pay order is stored as an electronic data (customer name, computer system) record ; transmitting said bill pay order to a first transaction processor , said first transaction processor being a computer configured to maintain a balance of a consumer account and to apply debit portions of accounting transactions against said consumer account ; applying a debit of said payment amount against said consumer account using said first transaction processor ; transmitting an outbound payment data packet from said first transaction processor to an electronic payment network , said outbound payment data packet including at least data fields indicating said payment amount , said biller ID and an indication of a consumer-biller account number ; identifying , from said biller ID field of said outbound payment data packet , a destination node for said outbound payment data packet and a destination account identifier (ID) ; transmitting an inbound payment data packet from said electronic payment network to a second transaction processor located at said destination node , said inbound payment data packet including at least data fields indicating an inbound payment amount and said destination account ID , said second transaction processor being a computer configured to maintain a balance of a biller account and to apply credit portions of accounting transactions against accounts including a biller account identified by said destination account ID ; applying a credit of said inbound payment amount against said biller account using said second transaction processor ; and providing at least said inbound payment amount and said consumer-biller account number to a biller accounts receivable data processor . US5465206A CLAIM 28 . A method for paying a bill from a biller to a consumer , comprising the steps of : verifying authority of the consumer to issue a bill pay order ; accepting said bill pay order at a consumer financial institution from the consumer , said bill pay order comprising data element (one plurality) s indicating at least a source of funds , a biller ID , a customer-biller account number assigned by the biller and a payment amount , wherein said biller ID identifies the biller to each consumer ; if said bill pay order is guaranteed , securing at least a guarantee of funds from the consumer in favor of said consumer financial institution ; electronically transmitting an outbound payment data packet from a first transaction processor to an electronic payment network , wherein said outbound payment data packet includes at least said payment amount , said consumer-biller account number and said biller ID , and wherein said first transaction processor maintains balance information on said source of funds and is configured to process debits and credits applied to said source of funds ; electronically comparing said biller ID to an index of a biller reference file to determine a destination node for an inbound payment data packet corresponding to said outbound payment data packet ; transmitting said inbound payment data packet from said electronic payment network to a second transaction processor located at said destination node , wherein said second transaction processor maintains balance information on a biller account held in favor of the biller and is configured to process debits and credits applied to said biller account ; applying a credit to said biller account with said second transaction processor , said credit being in an amount corresponding to a payment amount of said inbound payment data packet ; applying a debit to an account held in favor of said consumer financial institution by an amount corresponding to said payment amount of said outbound payment data packet ; and providing , from said second transaction processor , data fields from said inbound payment data packet including at least said payment amount and said consumer-biller account number . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (currency conversion, automatic response, electronic data, stored data) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US5465206A CLAIM 12 . The apparatus of claim 11 , wherein the first transaction processor further comprises currency conversion (customer name, computer system) means for denominating the debit portion of the accounting transaction to the consumer account in a third currency . US5465206A CLAIM 13 . The apparatus of claim 1 , wherein said order input means is an automatic response (customer name, computer system) unit , comprising a consumer telephone which emits computer detectable tones when keys are pressed , and an interactive processor which prompts the consumer to press keys on said consumer telephone and converts the resulting tones into electronically stored data (customer name, computer system) representing an information content of said bill pay order . US5465206A CLAIM 16 . A method of paying bills electronically , wherein funds are effectively transferred between a consumer and a biller , comprising the steps of : accepting a payment amount and a biller identification (ID) from the consumer ; converting said payment amount and said biller ID into a bill pay order , which bill pay order is stored as an electronic data (customer name, computer system) record ; transmitting said bill pay order to a first transaction processor , said first transaction processor being a computer configured to maintain a balance of a consumer account and to apply debit portions of accounting transactions against said consumer account ; applying a debit of said payment amount against said consumer account using said first transaction processor ; transmitting an outbound payment data packet from said first transaction processor to an electronic payment network , said outbound payment data packet including at least data fields indicating said payment amount , said biller ID and an indication of a consumer-biller account number ; identifying , from said biller ID field of said outbound payment data packet , a destination node for said outbound payment data packet and a destination account identifier (ID) ; transmitting an inbound payment data packet from said electronic payment network to a second transaction processor located at said destination node , said inbound payment data packet including at least data fields indicating an inbound payment amount and said destination account ID , said second transaction processor being a computer configured to maintain a balance of a biller account and to apply credit portions of accounting transactions against accounts including a biller account identified by said destination account ID ; applying a credit of said inbound payment amount against said biller account using said second transaction processor ; and providing at least said inbound payment amount and said consumer-biller account number to a biller accounts receivable data processor . US5465206A CLAIM 30 . An electronic payment network for transferring funds from a consumer to a biller to pay a bill owed by the consumer to the biller , comprising : a network coupling transaction processors of participating financial institutions (select transactions, monetary amount, conducting transactions) ; a first transaction processor of an initiating financial institution , comprising means for sending an outbound payment data packet to said electronic payment network in response to a bill pay order issued by the consumer , said outbound payment data packet identifying the biller by a biller ID assigned to the biller for use with each consumer who is a customer of the biller and which biller ID is disclosed to consumers desiring to make payments to the biller using said electronic payment network ; a conversion means , coupled to said electronic payment network , for converting an outbound payment data packet to an inbound payment data packet , including a conversion of said biller ID to a destination node and a destination account ID ; a second transaction processor of a receiving financial institution located at said destination node , capable of receiving said inbound payment data packet from said electronic payment network , identifying a biller account from said biller ID , debiting an account held in favor of said initiating financial institution by a payment amount included in said outbound payment data packet , and crediting an account held in favor of said receiving financial institution by a payment amount included in said inbound payment data packet ; and means for crediting the consumer' ; s account with the biller by said payment amount included in said inbound payment data packet . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (currency conversion, automatic response, electronic data, stored data) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5465206A CLAIM 12 . The apparatus of claim 11 , wherein the first transaction processor further comprises currency conversion (customer name, computer system) means for denominating the debit portion of the accounting transaction to the consumer account in a third currency . US5465206A CLAIM 13 . The apparatus of claim 1 , wherein said order input means is an automatic response (customer name, computer system) unit , comprising a consumer telephone which emits computer detectable tones when keys are pressed , and an interactive processor which prompts the consumer to press keys on said consumer telephone and converts the resulting tones into electronically stored data (customer name, computer system) representing an information content of said bill pay order . US5465206A CLAIM 16 . A method of paying bills electronically , wherein funds are effectively transferred between a consumer and a biller , comprising the steps of : accepting a payment amount and a biller identification (ID) from the consumer ; converting said payment amount and said biller ID into a bill pay order , which bill pay order is stored as an electronic data (customer name, computer system) record ; transmitting said bill pay order to a first transaction processor , said first transaction processor being a computer configured to maintain a balance of a consumer account and to apply debit portions of accounting transactions against said consumer account ; applying a debit of said payment amount against said consumer account using said first transaction processor ; transmitting an outbound payment data packet from said first transaction processor to an electronic payment network , said outbound payment data packet including at least data fields indicating said payment amount , said biller ID and an indication of a consumer-biller account number ; identifying , from said biller ID field of said outbound payment data packet , a destination node for said outbound payment data packet and a destination account identifier (ID) ; transmitting an inbound payment data packet from said electronic payment network to a second transaction processor located at said destination node , said inbound payment data packet including at least data fields indicating an inbound payment amount and said destination account ID , said second transaction processor being a computer configured to maintain a balance of a biller account and to apply credit portions of accounting transactions against accounts including a biller account identified by said destination account ID ; applying a credit of said inbound payment amount against said biller account using said second transaction processor ; and providing at least said inbound payment amount and said consumer-biller account number to a biller accounts receivable data processor . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (currency conversion, automatic response, electronic data, stored data) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US5465206A CLAIM 12 . The apparatus of claim 11 , wherein the first transaction processor further comprises currency conversion (customer name, computer system) means for denominating the debit portion of the accounting transaction to the consumer account in a third currency . US5465206A CLAIM 13 . The apparatus of claim 1 , wherein said order input means is an automatic response (customer name, computer system) unit , comprising a consumer telephone which emits computer detectable tones when keys are pressed , and an interactive processor which prompts the consumer to press keys on said consumer telephone and converts the resulting tones into electronically stored data (customer name, computer system) representing an information content of said bill pay order . US5465206A CLAIM 16 . A method of paying bills electronically , wherein funds are effectively transferred between a consumer and a biller , comprising the steps of : accepting a payment amount and a biller identification (ID) from the consumer ; converting said payment amount and said biller ID into a bill pay order , which bill pay order is stored as an electronic data (customer name, computer system) record ; transmitting said bill pay order to a first transaction processor , said first transaction processor being a computer configured to maintain a balance of a consumer account and to apply debit portions of accounting transactions against said consumer account ; applying a debit of said payment amount against said consumer account using said first transaction processor ; transmitting an outbound payment data packet from said first transaction processor to an electronic payment network , said outbound payment data packet including at least data fields indicating said payment amount , said biller ID and an indication of a consumer-biller account number ; identifying , from said biller ID field of said outbound payment data packet , a destination node for said outbound payment data packet and a destination account identifier (ID) ; transmitting an inbound payment data packet from said electronic payment network to a second transaction processor located at said destination node , said inbound payment data packet including at least data fields indicating an inbound payment amount and said destination account ID , said second transaction processor being a computer configured to maintain a balance of a biller account and to apply credit portions of accounting transactions against accounts including a biller account identified by said destination account ID ; applying a credit of said inbound payment amount against said biller account using said second transaction processor ; and providing at least said inbound payment amount and said consumer-biller account number to a biller accounts receivable data processor . US5465206A CLAIM 30 . An electronic payment network for transferring funds from a consumer to a biller to pay a bill owed by the consumer to the biller , comprising : a network coupling transaction processors of participating financial institutions (select transactions, monetary amount, conducting transactions) ; a first transaction processor of an initiating financial institution , comprising means for sending an outbound payment data packet to said electronic payment network in response to a bill pay order issued by the consumer , said outbound payment data packet identifying the biller by a biller ID assigned to the biller for use with each consumer who is a customer of the biller and which biller ID is disclosed to consumers desiring to make payments to the biller using said electronic payment network ; a conversion means , coupled to said electronic payment network , for converting an outbound payment data packet to an inbound payment data packet , including a conversion of said biller ID to a destination node and a destination account ID ; a second transaction processor of a receiving financial institution located at said destination node , capable of receiving said inbound payment data packet from said electronic payment network , identifying a biller account from said biller ID , debiting an account held in favor of said initiating financial institution by a payment amount included in said outbound payment data packet , and crediting an account held in favor of said receiving financial institution by a payment amount included in said inbound payment data packet ; and means for crediting the consumer' ; s account with the biller by said payment amount included in said inbound payment data packet . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (currency conversion, automatic response, electronic data, stored data) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial institutions) , and a monetary amount (financial institutions) to be the subject of select transactions (financial institutions) . |
US5465206A CLAIM 12 . The apparatus of claim 11 , wherein the first transaction processor further comprises currency conversion (customer name, computer system) means for denominating the debit portion of the accounting transaction to the consumer account in a third currency . US5465206A CLAIM 13 . The apparatus of claim 1 , wherein said order input means is an automatic response (customer name, computer system) unit , comprising a consumer telephone which emits computer detectable tones when keys are pressed , and an interactive processor which prompts the consumer to press keys on said consumer telephone and converts the resulting tones into electronically stored data (customer name, computer system) representing an information content of said bill pay order . US5465206A CLAIM 16 . A method of paying bills electronically , wherein funds are effectively transferred between a consumer and a biller , comprising the steps of : accepting a payment amount and a biller identification (ID) from the consumer ; converting said payment amount and said biller ID into a bill pay order , which bill pay order is stored as an electronic data (customer name, computer system) record ; transmitting said bill pay order to a first transaction processor , said first transaction processor being a computer configured to maintain a balance of a consumer account and to apply debit portions of accounting transactions against said consumer account ; applying a debit of said payment amount against said consumer account using said first transaction processor ; transmitting an outbound payment data packet from said first transaction processor to an electronic payment network , said outbound payment data packet including at least data fields indicating said payment amount , said biller ID and an indication of a consumer-biller account number ; identifying , from said biller ID field of said outbound payment data packet , a destination node for said outbound payment data packet and a destination account identifier (ID) ; transmitting an inbound payment data packet from said electronic payment network to a second transaction processor located at said destination node , said inbound payment data packet including at least data fields indicating an inbound payment amount and said destination account ID , said second transaction processor being a computer configured to maintain a balance of a biller account and to apply credit portions of accounting transactions against accounts including a biller account identified by said destination account ID ; applying a credit of said inbound payment amount against said biller account using said second transaction processor ; and providing at least said inbound payment amount and said consumer-biller account number to a biller accounts receivable data processor . US5465206A CLAIM 30 . An electronic payment network for transferring funds from a consumer to a biller to pay a bill owed by the consumer to the biller , comprising : a network coupling transaction processors of participating financial institutions (select transactions, monetary amount, conducting transactions) ; a first transaction processor of an initiating financial institution , comprising means for sending an outbound payment data packet to said electronic payment network in response to a bill pay order issued by the consumer , said outbound payment data packet identifying the biller by a biller ID assigned to the biller for use with each consumer who is a customer of the biller and which biller ID is disclosed to consumers desiring to make payments to the biller using said electronic payment network ; a conversion means , coupled to said electronic payment network , for converting an outbound payment data packet to an inbound payment data packet , including a conversion of said biller ID to a destination node and a destination account ID ; a second transaction processor of a receiving financial institution located at said destination node , capable of receiving said inbound payment data packet from said electronic payment network , identifying a biller account from said biller ID , debiting an account held in favor of said initiating financial institution by a payment amount included in said outbound payment data packet , and crediting an account held in favor of said receiving financial institution by a payment amount included in said inbound payment data packet ; and means for crediting the consumer' ; s account with the biller by said payment amount included in said inbound payment data packet . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5473143A Filed: 1993-10-04 Issued: 1995-12-05 ATM/POS based electronic mail system (Original Assignee) ATM Communications International Inc (Current Assignee) S Aqua Semiconductor LLC Hugo Vak, William Stephens, Fred Zimmerman |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server (d log) coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5473143A CLAIM 62 . The electronic mail system of claim 61 wherein said error checking processor receives a set of predetermined parameters and log (multi-channel server) ically compares said parameters to said message to determine if said message meets said predetermined parameters and should be sent . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (optical character recognition system, financial institution) . |
US5473143A CLAIM 20 . The electronic mail system of claim 11 further comprising a user' ; s financial institution (customer profile, transaction machine, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . US5473143A CLAIM 65 . The method of claim 64 wherein the step of scanning said message includes scanning said message by an optical character recognition system (customer profile, transaction machine, customer name) . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (optical character recognition system, financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5473143A CLAIM 20 . The electronic mail system of claim 11 further comprising a user' ; s financial institution (customer profile, transaction machine, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . US5473143A CLAIM 65 . The method of claim 64 wherein the step of scanning said message includes scanning said message by an optical character recognition system (customer profile, transaction machine, customer name) . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server (d log) coupled to one or more e-banking touch points and also coupled to one or more computer systems (bar code) , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5473143A CLAIM 50 . The electronic mail system of claim 1 wherein one of the plurality of terminals includes a bar code (computer systems) recognition subsystem for scanning the message that is received by the store and forward message switch . US5473143A CLAIM 62 . The electronic mail system of claim 61 wherein said error checking processor receives a set of predetermined parameters and log (multi-channel server) ically compares said parameters to said message to determine if said message meets said predetermined parameters and should be sent . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (optical character recognition system, financial institution) . |
US5473143A CLAIM 20 . The electronic mail system of claim 11 further comprising a user' ; s financial institution (customer profile, transaction machine, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . US5473143A CLAIM 65 . The method of claim 64 wherein the step of scanning said message includes scanning said message by an optical character recognition system (customer profile, transaction machine, customer name) . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (optical character recognition system, financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5473143A CLAIM 20 . The electronic mail system of claim 11 further comprising a user' ; s financial institution (customer profile, transaction machine, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . US5473143A CLAIM 65 . The method of claim 64 wherein the step of scanning said message includes scanning said message by an optical character recognition system (customer profile, transaction machine, customer name) . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server (d log) , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (bar code) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5473143A CLAIM 18 . The electronic mail system of claim 11 wherein one (wherein one) of the plurality of terminals includes a pen pad upon which the user may write the message prior to the message' ; s transmission to the store and forward message switch . US5473143A CLAIM 50 . The electronic mail system of claim 1 wherein one of the plurality of terminals includes a bar code (computer systems) recognition subsystem for scanning the message that is received by the store and forward message switch . US5473143A CLAIM 62 . The electronic mail system of claim 61 wherein said error checking processor receives a set of predetermined parameters and log (multi-channel server) ically compares said parameters to said message to determine if said message meets said predetermined parameters and should be sent . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (optical character recognition system, financial institution) . |
US5473143A CLAIM 20 . The electronic mail system of claim 11 further comprising a user' ; s financial institution (customer profile, transaction machine, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . US5473143A CLAIM 65 . The method of claim 64 wherein the step of scanning said message includes scanning said message by an optical character recognition system (customer profile, transaction machine, customer name) . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (optical character recognition system, financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5473143A CLAIM 20 . The electronic mail system of claim 11 further comprising a user' ; s financial institution (customer profile, transaction machine, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . US5473143A CLAIM 65 . The method of claim 64 wherein the step of scanning said message includes scanning said message by an optical character recognition system (customer profile, transaction machine, customer name) . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5819226A Filed: 1992-09-08 Issued: 1998-10-06 Fraud detection using predictive modeling (Original Assignee) HNC Software Inc (Current Assignee) Fair Isaac Corp Krishna M. Gopinathan, Louis S. Biafore, William M. Ferguson, Michael A. Lazarus, Anu K. Pathria, Allen Jost |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (adjusting operation, computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (data element) of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5819226A CLAIM 15 . In a computer having a processor and storage , a computer-implemented process of training a neural network , the neural network for predicting fraudulent transactions in a customer account based on selected data , the neural network being represented on the computer and stored in the computer storage and comprising a plurality of interconnected processing elements , each processing element comprising : a plurality of inputs ; a plurality of weights , wherein each weight is associated with a corresponding input by the processor to generate weighted inputs ; means for combining the weighted inputs ; and a transfer function for processing the combined weighted inputs on the processor to produce an output ; the training process comprising the iterative steps of : applying input data to the neural network to generate output data , wherein the processor applies the input data to the neural network and generates the output data ; comparing the generated output data to a desired output , wherein the processor performs the comparison ; adjusting operation (computer system) of the neural network responsive to the results of the comparing step ; and after the iterative steps of applying , comparing , and adjusting , storing the neural network in the computer storage . US5819226A CLAIM 33 . The computer-implemented process of claim 24 , wherein the current transaction data , the consumer profile , and the consumer data each comprise a plurality of data element (one plurality) s , further comprising the steps of , for at least one of the data elements : determining a relative contribution value of the data element to the output signal indicating the likelihood that the current transaction is fraudulent ; determining a reason code as a function of the relative contribution value ; retrieving an explanation associated with the determined reason code value ; and outputting a computer signal indicative of the reason code and the explanation . US5819226A CLAIM 36 . In a computer system (computer system) comprising : a computer-readable memory ; and a neural network stored in the computer readable memory , the neural network comprising a plurality of interconnected processing elements , each processing element being in a layer of the neural network , each layer having a distance to an input layer , each processing element comprising : a plurality of inputs (x) ; a plurality of weights (w) , each weight w associated with a corresponding input (x) to form weighted inputs ; a summation function for combining the weighted inputs ; and , a transfer function for processing the combined weighted inputs into an output (z) ; an improved computer-implemented process for training the neural network characterized by : iteratively decaying the weights of at least one processing element by a cost function that varies a decay rate for decaying the weights by a function of the distance of the input layer from the layer containing the processing element . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing, program memory) . |
US5819226A CLAIM 19 . A system for detecting a fraudulent transaction in a customer account , comprising : a computer processor for executing programmed instructions and for storing and retrieving data ; program memory (select transactions) , coupled to the processor , for storing program instruction steps for execution by the processor ; a predictive model component , coupled to the processor , for determining the likelihood of a fraudulent transaction ; past transaction data storage , coupled to the processor , for receiving , storing , and sending past transaction data ; a model development component , coupled to the processor , for training the predictive model based on the past transaction data in accordance with program instructions in the program memory and executed by the processor , thereby generating a trained predictive model ; current transaction data storage , coupled to the processor , for receiving , storing , and sending current transaction data ; customer data storage , coupled to the processor , for receiving , storing , and sending customer data ; and an output device , coupled to the processor , for outputting a computer signal indicative of the likelihood of fraud in a transaction , wherein the processor generates the computer signal in accordance with program instructions in the program memory and executed by the processor , said computer signal being responsive to the application of the current transaction data and the customer data to the trained predictive model . US5819226A CLAIM 24 . In a computer-controlled transaction processing (select transactions) system including predictive modeling means for receiving current transaction data , processing the current transaction data , and outputting a plurality of output values , including a score value representing a likelihood of a fraudulent transaction , an improved computer-implemented process for identifying and determining fraudulent transaction data , comprising the steps of : prior to receiving the current transaction data for at least one current transaction ; generating a consumer profile for each of a plurality of consumers from a plurality of past fraud-related variables and from consumer data , each consumer profile describing historical spending patterns of a corresponding consumer , the past fraud-related variables being derived by pre-processing past transaction data , the past transaction data including values for a plurality of transaction variables for a plurality of past transactions , the consumer data including values for each consumer for a plurality of consumer variables ; training the predictive modeling means with the consumer profiles and with the past fraud-related variables to obtain a predictive model ; and storing the obtained predictive model in the computer ; receiving current transaction data for a current transaction of a consumer ; receiving consumer data associated with the consumer ; receiving the consumer profile associated with the consumer ; pre-processing the obtained current transaction data , consumer data , and consumer profile to derive current fraud-related variables for the current transaction ; determining the likelihood of fraud in the current transaction by applying the current fraud-related variables to the predictive model ; and outputting from the predictive modeling means an output signal indicating the likelihood that the current transaction is fraudulent . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (adjusting operation, computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5819226A CLAIM 15 . In a computer having a processor and storage , a computer-implemented process of training a neural network , the neural network for predicting fraudulent transactions in a customer account based on selected data , the neural network being represented on the computer and stored in the computer storage and comprising a plurality of interconnected processing elements , each processing element comprising : a plurality of inputs ; a plurality of weights , wherein each weight is associated with a corresponding input by the processor to generate weighted inputs ; means for combining the weighted inputs ; and a transfer function for processing the combined weighted inputs on the processor to produce an output ; the training process comprising the iterative steps of : applying input data to the neural network to generate output data , wherein the processor applies the input data to the neural network and generates the output data ; comparing the generated output data to a desired output , wherein the processor performs the comparison ; adjusting operation (computer system) of the neural network responsive to the results of the comparing step ; and after the iterative steps of applying , comparing , and adjusting , storing the neural network in the computer storage . US5819226A CLAIM 36 . In a computer system (computer system) comprising : a computer-readable memory ; and a neural network stored in the computer readable memory , the neural network comprising a plurality of interconnected processing elements , each processing element being in a layer of the neural network , each layer having a distance to an input layer , each processing element comprising : a plurality of inputs (x) ; a plurality of weights (w) , each weight w associated with a corresponding input (x) to form weighted inputs ; a summation function for combining the weighted inputs ; and , a transfer function for processing the combined weighted inputs into an output (z) ; an improved computer-implemented process for training the neural network characterized by : iteratively decaying the weights of at least one processing element by a cost function that varies a decay rate for decaying the weights by a function of the distance of the input layer from the layer containing the processing element . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing, program memory) . |
US5819226A CLAIM 19 . A system for detecting a fraudulent transaction in a customer account , comprising : a computer processor for executing programmed instructions and for storing and retrieving data ; program memory (select transactions) , coupled to the processor , for storing program instruction steps for execution by the processor ; a predictive model component , coupled to the processor , for determining the likelihood of a fraudulent transaction ; past transaction data storage , coupled to the processor , for receiving , storing , and sending past transaction data ; a model development component , coupled to the processor , for training the predictive model based on the past transaction data in accordance with program instructions in the program memory and executed by the processor , thereby generating a trained predictive model ; current transaction data storage , coupled to the processor , for receiving , storing , and sending current transaction data ; customer data storage , coupled to the processor , for receiving , storing , and sending customer data ; and an output device , coupled to the processor , for outputting a computer signal indicative of the likelihood of fraud in a transaction , wherein the processor generates the computer signal in accordance with program instructions in the program memory and executed by the processor , said computer signal being responsive to the application of the current transaction data and the customer data to the trained predictive model . US5819226A CLAIM 24 . In a computer-controlled transaction processing (select transactions) system including predictive modeling means for receiving current transaction data , processing the current transaction data , and outputting a plurality of output values , including a score value representing a likelihood of a fraudulent transaction , an improved computer-implemented process for identifying and determining fraudulent transaction data , comprising the steps of : prior to receiving the current transaction data for at least one current transaction ; generating a consumer profile for each of a plurality of consumers from a plurality of past fraud-related variables and from consumer data , each consumer profile describing historical spending patterns of a corresponding consumer , the past fraud-related variables being derived by pre-processing past transaction data , the past transaction data including values for a plurality of transaction variables for a plurality of past transactions , the consumer data including values for each consumer for a plurality of consumer variables ; training the predictive modeling means with the consumer profiles and with the past fraud-related variables to obtain a predictive model ; and storing the obtained predictive model in the computer ; receiving current transaction data for a current transaction of a consumer ; receiving consumer data associated with the consumer ; receiving the consumer profile associated with the consumer ; pre-processing the obtained current transaction data , consumer data , and consumer profile to derive current fraud-related variables for the current transaction ; determining the likelihood of fraud in the current transaction by applying the current fraud-related variables to the predictive model ; and outputting from the predictive modeling means an output signal indicating the likelihood that the current transaction is fraudulent . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (transaction processing, program memory) . |
US5819226A CLAIM 19 . A system for detecting a fraudulent transaction in a customer account , comprising : a computer processor for executing programmed instructions and for storing and retrieving data ; program memory (select transactions) , coupled to the processor , for storing program instruction steps for execution by the processor ; a predictive model component , coupled to the processor , for determining the likelihood of a fraudulent transaction ; past transaction data storage , coupled to the processor , for receiving , storing , and sending past transaction data ; a model development component , coupled to the processor , for training the predictive model based on the past transaction data in accordance with program instructions in the program memory and executed by the processor , thereby generating a trained predictive model ; current transaction data storage , coupled to the processor , for receiving , storing , and sending current transaction data ; customer data storage , coupled to the processor , for receiving , storing , and sending customer data ; and an output device , coupled to the processor , for outputting a computer signal indicative of the likelihood of fraud in a transaction , wherein the processor generates the computer signal in accordance with program instructions in the program memory and executed by the processor , said computer signal being responsive to the application of the current transaction data and the customer data to the trained predictive model . US5819226A CLAIM 24 . In a computer-controlled transaction processing (select transactions) system including predictive modeling means for receiving current transaction data , processing the current transaction data , and outputting a plurality of output values , including a score value representing a likelihood of a fraudulent transaction , an improved computer-implemented process for identifying and determining fraudulent transaction data , comprising the steps of : prior to receiving the current transaction data for at least one current transaction ; generating a consumer profile for each of a plurality of consumers from a plurality of past fraud-related variables and from consumer data , each consumer profile describing historical spending patterns of a corresponding consumer , the past fraud-related variables being derived by pre-processing past transaction data , the past transaction data including values for a plurality of transaction variables for a plurality of past transactions , the consumer data including values for each consumer for a plurality of consumer variables ; training the predictive modeling means with the consumer profiles and with the past fraud-related variables to obtain a predictive model ; and storing the obtained predictive model in the computer ; receiving current transaction data for a current transaction of a consumer ; receiving consumer data associated with the consumer ; receiving the consumer profile associated with the consumer ; pre-processing the obtained current transaction data , consumer data , and consumer profile to derive current fraud-related variables for the current transaction ; determining the likelihood of fraud in the current transaction by applying the current fraud-related variables to the predictive model ; and outputting from the predictive modeling means an output signal indicating the likelihood that the current transaction is fraudulent . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5265033A Filed: 1991-09-23 Issued: 1993-11-23 ATM/POS based electronic mail system (Original Assignee) ATM Communications International Inc (Current Assignee) S Aqua Semiconductor LLC Hugo Vajk, William Stephens |
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| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US5265033A CLAIM 20 . The publicly accessible electronic mail system of claim 11 further comprising a user' ; s financial institution (transaction machine, customer profile, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5265033A CLAIM 20 . The publicly accessible electronic mail system of claim 11 further comprising a user' ; s financial institution (transaction machine, customer profile, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US5265033A CLAIM 20 . The publicly accessible electronic mail system of claim 11 further comprising a user' ; s financial institution (transaction machine, customer profile, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5265033A CLAIM 20 . The publicly accessible electronic mail system of claim 11 further comprising a user' ; s financial institution (transaction machine, customer profile, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5265033A CLAIM 18 . The publicly accessible electronic mail system of claim 11 wherein one (wherein one) of the plurality of terminals includes a pen pad upon which the user may write the message prior that is received by the store and forward message switch . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US5265033A CLAIM 20 . The publicly accessible electronic mail system of claim 11 further comprising a user' ; s financial institution (transaction machine, customer profile, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
US5265033A CLAIM 20 . The publicly accessible electronic mail system of claim 11 further comprising a user' ; s financial institution (transaction machine, customer profile, customer name) processor distinct from the ATM/POS institution processor , said user' ; s financial institution processor receiving requests from said ATM/POS system that the user be allowed to access said electronic mail system and authorizing such access by properly qualified users , said store and forward message switch transmitting the stored message to one of the plurality of terminals of said ATM/POS system upon receiving authorization from said user' ; s financial institution processor . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5416903A Filed: 1991-08-19 Issued: 1995-05-16 System and method for supporting multilingual translations of a windowed user interface (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp Jerry W. Malcolm |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (said application) of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5416903A CLAIM 10 . A method for generating of user interface screens for each of a plurality of end-user applications , having at least one subscreen , in a multilingual compatible data processing system comprising : executing an application program on said data processing system ; generating a series of input and output commands , by said application (different types) program , to an application program interface of a user interface rendering program ; reading a first file substantially comprising language dependant information alterable with effect independent of execution of said end-user applications and a second file substantially comprising language independent information by said rendering program upon receipt of at least one of said series of input and output commands ; and dynamically formatting , during execution of said each of said end-user applications , at least one of said user interface screens , by said rendering program , using information from said first file and said second file and automatically converting said at least one subscreen to a language dependent format , wherein said application program is incognizant of said dependent language specific format . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US5416903A CLAIM 1 . A system for facilitating , for each of a plurality of end-user applications , the translation of end-user interface screens in said end-user applications from a first to a second language , having at least one subscreen , of a multilingual compatible data processing system comprising : means for generating a plurality of first files substantially comprising language independent information each corresponding to a different one of said end-user applications ; means for generating a plurality of second files substantially comprising language dependant information alterable with effect independent of execution of said end-user applications , each of said second files corresponding to one of said first files ; and formatting means for dynamically formatting , for display during execution of said each of said end-user applications , at least one of said end-user interface screens in said second language using information from one of said first files and one of said second files , said form (customer profile) atting means further comprising conversion means for automatically converting said at least one subscreen to a language dependent format . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US5416903A CLAIM 1 . A system for facilitating , for each of a plurality of end-user applications , the translation of end-user interface screens in said end-user applications from a first to a second language , having at least one subscreen , of a multilingual compatible data processing system comprising : means for generating a plurality of first files substantially comprising language independent information each corresponding to a different one of said end-user applications ; means for generating a plurality of second files substantially comprising language dependant information alterable with effect independent of execution of said end-user applications , each of said second files corresponding to one of said first files ; and formatting means for dynamically formatting , for display during execution of said each of said end-user applications , at least one of said end-user interface screens in said second language using information from one of said first files and one of said second files , said form (customer profile) atting means further comprising conversion means for automatically converting said at least one subscreen to a language dependent format . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (said form) . |
US5416903A CLAIM 1 . A system for facilitating , for each of a plurality of end-user applications , the translation of end-user interface screens in said end-user applications from a first to a second language , having at least one subscreen , of a multilingual compatible data processing system comprising : means for generating a plurality of first files substantially comprising language independent information each corresponding to a different one of said end-user applications ; means for generating a plurality of second files substantially comprising language dependant information alterable with effect independent of execution of said end-user applications , each of said second files corresponding to one of said first files ; and formatting means for dynamically formatting , for display during execution of said each of said end-user applications , at least one of said end-user interface screens in said second language using information from one of said first files and one of said second files , said form (customer profile) atting means further comprising conversion means for automatically converting said at least one subscreen to a language dependent format . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5911135A Filed: 1991-04-16 Issued: 1999-06-08 System for managing financial accounts by a priority allocation of funds among accounts (Original Assignee) Financial Products Inc Pty (Current Assignee) HOME ACCOUNT NETWORK Inc Charles Agee Atkins |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5911135A CLAIM 1 . A computer system (computer system) operating at least one client account at an institution providing financial services or financial processing comprising : processing means ; memory means connected to said processing means for storing information pertaining to the client accounts(s) ; means for maintaining on said computer system data for said client account(s) , each of said client accounts comprising at least one asset account having means for receiving funds for investment purposes , said asset account further having means for updating an account balance upon receipt of said funds and at least one liability account including a loan , a condition of which is the periodic payment of a sum of money equal to or in excess of interest charged on the loan ; means for establishing a priority for the allocation of funds to said investment asset account(s) and said liability account(s) ; means for using said computer system to allocate funds that are received to pay interest on the loan , and allocate any remaining portion of said payments to one or more of said investment asset account(s) and said liability account(s) other than the loan according to said priority ; and updating the prioritized allocation in accordance with changes to financial and economic variables . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5911135A CLAIM 1 . A computer system (computer system) operating at least one client account at an institution providing financial services or financial processing comprising : processing means ; memory means connected to said processing means for storing information pertaining to the client accounts(s) ; means for maintaining on said computer system data for said client account(s) , each of said client accounts comprising at least one asset account having means for receiving funds for investment purposes , said asset account further having means for updating an account balance upon receipt of said funds and at least one liability account including a loan , a condition of which is the periodic payment of a sum of money equal to or in excess of interest charged on the loan ; means for establishing a priority for the allocation of funds to said investment asset account(s) and said liability account(s) ; means for using said computer system to allocate funds that are received to pay interest on the loan , and allocate any remaining portion of said payments to one or more of said investment asset account(s) and said liability account(s) other than the loan according to said priority ; and updating the prioritized allocation in accordance with changes to financial and economic variables . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one (wherein one) or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5911135A CLAIM 5 . The system of claim 4 wherein one (wherein one) such liability account is a loan secured by the lien on at least one home and one or more of said investment asset accounts , said system further comprising means for using said computer system to allocate funds received from the cash flows to one or more of said investment asset account(s) and said liability account(s) rather than amortizing the loan . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US5220501A Filed: 1989-12-08 Issued: 1993-06-15 Method and system for remote delivery of retail banking services (Original Assignee) Online Resources Ltd (Current Assignee) OFFICIAL PAYMENTS Corp ; ONLINE RESOURCES & COMMUNICATIONS Inc Matthew P. Lawlor, Timothy E. Carmody |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (stored data) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality (telephone lines) of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (random number) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5220501A CLAIM 15 . A system as in claim 14 wherein said controller includes means for periodically transmitting a random number (self service coin counter) over said telephone line . US5220501A CLAIM 22 . A method of distributing financial services remotely , comprising the following steps : providing a plurality of remote home banking terminals to a corresponding plurality of users ; receiving bill paying requests including user-supplied ATM network compatible personal identification information from said plurality of terminals over dial-up telephone lines (one plurality) ; and processing said bill paying requests substantially in real-time at a central computer operatively coupled to said telephone lines , said processing step including the following steps : generating POS or other ATM interchange-compatible debit messages including said ATM network compatible personal identification information responsive to information transmitted by users from said remote home banking terminals to said central computer over said telephone lines ; transmitting said debit messages over an ATM network substantially in real-time response to said user bill paying requests ; debiting said users' ; bank accounts substantially in real-time in response to said debit message ; and paying entities selected by said users via said remote home banking terminals with funds obtained by debiting the users' ; bank accounts . US5220501A CLAIM 32 . A method of distributing advertising remotely comprising the following steps : providing home banking terminals to users ; communicating with said home banking terminals on demand using a central computer ; receiving financial service requests included encrypted PIN information with said central computer from said home banking terminals ; processing said received financial service requests with said central computer substantially in real-time including generating an ATM debit request substantially in real-time response to receipt of said financial service requests ; storing indicia of said processed financial service requests in a database ; obtaining advertising text from an advertiser and storing said advertising text on said central computer ; processing said database (wireless device) to target specific users who may be interested in said advertising text ; transmitting said advertising text from said central computer to said home banking terminals operated by said specific users ; prompting said user to select whether they want further information with respect to said transmitted advertising text , comprising the step of transmitting prompt text including prompts to said home banking terminals ; receiving and testing user responses to said prompts ; and if said user responds to said prompts in the affirmative , contacting said advertiser and providing said advertiser with the identity of said user . US5220501A CLAIM 36 . A method of paying bills comprising the following steps : activating a microprocessor-based home banking terminal coupled to a standard dial-up telephone line ; causing and controlling said home banking terminal to establish communications with a central computer over said telephone line ; inputting a PIN user identification number ; manipulating said terminal to select a payee ; manipulating said terminal to select an amount to pay said payee ; encrypting said PIN within said home banking terminal to provide an ATM network compatible encrypted PIN ; transmitting data representing said ATM network compatible encrypted PIN user identification number , said selected payee , and said amount from said home banking terminal to said central computer ; storing a plurality of recurring payment dates ; parsing said stored payment dates and determining which of said stored payment dates , if any , correspond to the current date ; if a stored payment data corresponds to the current date , generating , substantially in real-time at said central computer in response to said stored data (computer system) , an ATM debit message specifying at least said ATM network compatible encrypted PIN , said bank account selection , and said amount ; and transmitting said ATM debit message from said central computer to said user' ; s bank substantially in real-time over a standard ATM network to effect a real-time debit of said user' ; s bank account . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US5220501A CLAIM 1 . A system for conducting financial transactions using an ATM network of the type connected to at least one financial institution (transaction machine, customer profile, customer name) , said financial institution maintaining an account for a specific user , said system comprising ; a central computer ; at least one remote data terminal including user input means and an alpha-numeric display , said data terminal coupled to a dial-up telephone line , said remote data terminal including means for generating first data representing a payee , second data representing an amount , and third data representing an ATM network compatible personal identification number ; telecommunication means including a first modem operatively coupled to said central computer and a second modem operatively coupled to said remote data terminal , said telecommunications means for communicating said first , second and third data from said remote data terminal to said central computer via said dial-up telephone line , said central computer further including means for generating a digital message responsive to said communicated first , second and third data and for applying said digital message including said ATM network compatible personal identification number to said ATM network so as to selectively effect debiting of said user account substantially in real-time response to user manipulation of said remote terminal input keys . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US5220501A CLAIM 1 . A system for conducting financial transactions (conducting transactions) using an ATM network of the type connected to at least one financial institution (transaction machine, customer profile, customer name) , said financial institution maintaining an account for a specific user , said system comprising ; a central computer ; at least one remote data terminal including user input means and an alpha-numeric display , said data terminal coupled to a dial-up telephone line , said remote data terminal including means for generating first data representing a payee , second data representing an amount , and third data representing an ATM network compatible personal identification number ; telecommunication means including a first modem operatively coupled to said central computer and a second modem operatively coupled to said remote data terminal , said telecommunications means for communicating said first , second and third data from said remote data terminal to said central computer via said dial-up telephone line , said central computer further including means for generating a digital message responsive to said communicated first , second and third data and for applying said digital message including said ATM network compatible personal identification number to said ATM network so as to selectively effect debiting of said user account substantially in real-time response to user manipulation of said remote terminal input keys . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (stored data) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5220501A CLAIM 32 . A method of distributing advertising remotely comprising the following steps : providing home banking terminals to users ; communicating with said home banking terminals on demand using a central computer ; receiving financial service requests included encrypted PIN information with said central computer from said home banking terminals ; processing said received financial service requests with said central computer substantially in real-time including generating an ATM debit request substantially in real-time response to receipt of said financial service requests ; storing indicia of said processed financial service requests in a database ; obtaining advertising text from an advertiser and storing said advertising text on said central computer ; processing said database (wireless device) to target specific users who may be interested in said advertising text ; transmitting said advertising text from said central computer to said home banking terminals operated by said specific users ; prompting said user to select whether they want further information with respect to said transmitted advertising text , comprising the step of transmitting prompt text including prompts to said home banking terminals ; receiving and testing user responses to said prompts ; and if said user responds to said prompts in the affirmative , contacting said advertiser and providing said advertiser with the identity of said user . US5220501A CLAIM 36 . A method of paying bills comprising the following steps : activating a microprocessor-based home banking terminal coupled to a standard dial-up telephone line ; causing and controlling said home banking terminal to establish communications with a central computer over said telephone line ; inputting a PIN user identification number ; manipulating said terminal to select a payee ; manipulating said terminal to select an amount to pay said payee ; encrypting said PIN within said home banking terminal to provide an ATM network compatible encrypted PIN ; transmitting data representing said ATM network compatible encrypted PIN user identification number , said selected payee , and said amount from said home banking terminal to said central computer ; storing a plurality of recurring payment dates ; parsing said stored payment dates and determining which of said stored payment dates , if any , correspond to the current date ; if a stored payment data corresponds to the current date , generating , substantially in real-time at said central computer in response to said stored data (computer system) , an ATM debit message specifying at least said ATM network compatible encrypted PIN , said bank account selection , and said amount ; and transmitting said ATM debit message from said central computer to said user' ; s bank substantially in real-time over a standard ATM network to effect a real-time debit of said user' ; s bank account . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US5220501A CLAIM 1 . A system for conducting financial transactions using an ATM network of the type connected to at least one financial institution (transaction machine, customer profile, customer name) , said financial institution maintaining an account for a specific user , said system comprising ; a central computer ; at least one remote data terminal including user input means and an alpha-numeric display , said data terminal coupled to a dial-up telephone line , said remote data terminal including means for generating first data representing a payee , second data representing an amount , and third data representing an ATM network compatible personal identification number ; telecommunication means including a first modem operatively coupled to said central computer and a second modem operatively coupled to said remote data terminal , said telecommunications means for communicating said first , second and third data from said remote data terminal to said central computer via said dial-up telephone line , said central computer further including means for generating a digital message responsive to said communicated first , second and third data and for applying said digital message including said ATM network compatible personal identification number to said ATM network so as to selectively effect debiting of said user account substantially in real-time response to user manipulation of said remote terminal input keys . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US5220501A CLAIM 1 . A system for conducting financial transactions (conducting transactions) using an ATM network of the type connected to at least one financial institution (transaction machine, customer profile, customer name) , said financial institution maintaining an account for a specific user , said system comprising ; a central computer ; at least one remote data terminal including user input means and an alpha-numeric display , said data terminal coupled to a dial-up telephone line , said remote data terminal including means for generating first data representing a payee , second data representing an amount , and third data representing an ATM network compatible personal identification number ; telecommunication means including a first modem operatively coupled to said central computer and a second modem operatively coupled to said remote data terminal , said telecommunications means for communicating said first , second and third data from said remote data terminal to said central computer via said dial-up telephone line , said central computer further including means for generating a digital message responsive to said communicated first , second and third data and for applying said digital message including said ATM network compatible personal identification number to said ATM network so as to selectively effect debiting of said user account substantially in real-time response to user manipulation of said remote terminal input keys . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device (said database) , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (following steps, said memory) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US5220501A CLAIM 20 . A system as in claim 14 further including means for interfacing with a non-volatile memory element so as to permit credits to be downloaded to said terminal and stored by said memory (data storage device) element . US5220501A CLAIM 22 . A method of distributing financial services remotely , comprising the following steps (data storage device) : providing a plurality of remote home banking terminals to a corresponding plurality of users ; receiving bill paying requests including user-supplied ATM network compatible personal identification information from said plurality of terminals over dial-up telephone lines ; and processing said bill paying requests substantially in real-time at a central computer operatively coupled to said telephone lines , said processing step including the following steps : generating POS or other ATM interchange-compatible debit messages including said ATM network compatible personal identification information responsive to information transmitted by users from said remote home banking terminals to said central computer over said telephone lines ; transmitting said debit messages over an ATM network substantially in real-time response to said user bill paying requests ; debiting said users' ; bank accounts substantially in real-time in response to said debit message ; and paying entities selected by said users via said remote home banking terminals with funds obtained by debiting the users' ; bank accounts . US5220501A CLAIM 32 . A method of distributing advertising remotely comprising the following steps : providing home banking terminals to users ; communicating with said home banking terminals on demand using a central computer ; receiving financial service requests included encrypted PIN information with said central computer from said home banking terminals ; processing said received financial service requests with said central computer substantially in real-time including generating an ATM debit request substantially in real-time response to receipt of said financial service requests ; storing indicia of said processed financial service requests in a database ; obtaining advertising text from an advertiser and storing said advertising text on said central computer ; processing said database (wireless device) to target specific users who may be interested in said advertising text ; transmitting said advertising text from said central computer to said home banking terminals operated by said specific users ; prompting said user to select whether they want further information with respect to said transmitted advertising text , comprising the step of transmitting prompt text including prompts to said home banking terminals ; receiving and testing user responses to said prompts ; and if said user responds to said prompts in the affirmative , contacting said advertiser and providing said advertiser with the identity of said user . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US5220501A CLAIM 1 . A system for conducting financial transactions using an ATM network of the type connected to at least one financial institution (transaction machine, customer profile, customer name) , said financial institution maintaining an account for a specific user , said system comprising ; a central computer ; at least one remote data terminal including user input means and an alpha-numeric display , said data terminal coupled to a dial-up telephone line , said remote data terminal including means for generating first data representing a payee , second data representing an amount , and third data representing an ATM network compatible personal identification number ; telecommunication means including a first modem operatively coupled to said central computer and a second modem operatively coupled to said remote data terminal , said telecommunications means for communicating said first , second and third data from said remote data terminal to said central computer via said dial-up telephone line , said central computer further including means for generating a digital message responsive to said communicated first , second and third data and for applying said digital message including said ATM network compatible personal identification number to said ATM network so as to selectively effect debiting of said user account substantially in real-time response to user manipulation of said remote terminal input keys . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (financial transactions) , and a monetary amount to be the subject of select transactions . |
US5220501A CLAIM 1 . A system for conducting financial transactions (conducting transactions) using an ATM network of the type connected to at least one financial institution (transaction machine, customer profile, customer name) , said financial institution maintaining an account for a specific user , said system comprising ; a central computer ; at least one remote data terminal including user input means and an alpha-numeric display , said data terminal coupled to a dial-up telephone line , said remote data terminal including means for generating first data representing a payee , second data representing an amount , and third data representing an ATM network compatible personal identification number ; telecommunication means including a first modem operatively coupled to said central computer and a second modem operatively coupled to said remote data terminal , said telecommunications means for communicating said first , second and third data from said remote data terminal to said central computer via said dial-up telephone line , said central computer further including means for generating a digital message responsive to said communicated first , second and third data and for applying said digital message including said ATM network compatible personal identification number to said ATM network so as to selectively effect debiting of said user account substantially in real-time response to user manipulation of said remote terminal input keys . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US4815741A Filed: 1987-04-02 Issued: 1989-03-28 Automated marketing and gaming systems (Original Assignee) Small Maynard E Maynard E. Small |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (random number) (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US4815741A CLAIM 3 . Apparatus for playing a sweepstakes-type game by a user , said apparatus comprising : (a) a plurality of remote interface devices ; each of said remote interface devices being in electronic communication with a financial institution data processing machine ; each of said remote interface devices being one of an automated teller machine , a point-of-sale terminal , telephone device , electronic cash register or personal computer of the type used in financial transactions with a financial services-type institution ; (b) user identification means identifying a financial account associated with a user at said financial institution ; each of said remote interface devices including means for allowing said user to access electronically the financial institution account of said user ; (c) a sweepstakes data processor having means for passively reading an account number associated with said user' ; s financial account without input from the user and means for generating a random number (self service coin counter) and comparing said account number to said random number while the user effects a transaction at said remote interface device , said comparing of said account number and said random number being effected to determine whether said account number and random number match , whereby there is no appreciable additional time required to complete said game in addition to said transaction ; and (d) said sweepstakes data processor including means for determining a prize to be awarded to the user of an account number determined to match said random number and awarding said prize to the user . |
| US8862508B2 CLAIM 2 . The method of claim 1 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US4815741A CLAIM 3 . Apparatus for playing a sweepstakes-type game by a user , said apparatus comprising : (a) a plurality of remote interface devices ; each of said remote interface devices being in electronic communication with a financial institution (transaction machine, customer profile, customer name) data processing machine ; each of said remote interface devices being one of an automated teller machine , a point-of-sale terminal , telephone device , electronic cash register or personal computer of the type used in financial transactions with a financial services-type institution ; (b) user identification means identifying a financial account associated with a user at said financial institution ; each of said remote interface devices including means for allowing said user to access electronically the financial institution account of said user ; (c) a sweepstakes data processor having means for passively reading an account number associated with said user' ; s financial account without input from the user and means for generating a random number and comparing said account number to said random number while the user effects a transaction at said remote interface device , said comparing of said account number and said random number being effected to determine whether said account number and random number match , whereby there is no appreciable additional time required to complete said game in addition to said transaction ; and (d) said sweepstakes data processor including means for determining a prize to be awarded to the user of an account number determined to match said random number and awarding said prize to the user . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (conducting transactions, financial transactions) , and a monetary amount to be the subject of select transactions . |
US4815741A CLAIM 3 . Apparatus for playing a sweepstakes-type game by a user , said apparatus comprising : (a) a plurality of remote interface devices ; each of said remote interface devices being in electronic communication with a financial institution (transaction machine, customer profile, customer name) data processing machine ; each of said remote interface devices being one of an automated teller machine , a point-of-sale terminal , telephone device , electronic cash register or personal computer of the type used in financial transactions (conducting transactions) with a financial services-type institution ; (b) user identification means identifying a financial account associated with a user at said financial institution ; each of said remote interface devices including means for allowing said user to access electronically the financial institution account of said user ; (c) a sweepstakes data processor having means for passively reading an account number associated with said user' ; s financial account without input from the user and means for generating a random number and comparing said account number to said random number while the user effects a transaction at said remote interface device , said comparing of said account number and said random number being effected to determine whether said account number and random number match , whereby there is no appreciable additional time required to complete said game in addition to said transaction ; and (d) said sweepstakes data processor including means for determining a prize to be awarded to the user of an account number determined to match said random number and awarding said prize to the user . US4815741A CLAIM 25 . A method of stimulating the use of remote interface devices by playing a sweepstakes-type game including the steps of : (a) generating prize winning indicia ; (b) entering a user identifier into a remote interface device ; said interface device being one of an automated teller machine , a point-of-sale terminal , a telephone , an electronic cash register or a personal computer of the type used in conducting transactions (conducting transactions) with a financial services-type institution ; (c) accessing a financial account in said financial services-type institution electronically through the interface device upon entry of said user identifier ; (d) passively generating indicia for the user ; (e) comparing said passively generated indicia to said prize indicia ; and (f) determining whether a winning correlation exists between said passively generated indicia and said prize indicia at generally the same time that said user conducts an unrelated transaction with said financial services-type institution . |
| US8862508B2 CLAIM 8 . The method of claim 7 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US4815741A CLAIM 3 . Apparatus for playing a sweepstakes-type game by a user , said apparatus comprising : (a) a plurality of remote interface devices ; each of said remote interface devices being in electronic communication with a financial institution (transaction machine, customer profile, customer name) data processing machine ; each of said remote interface devices being one of an automated teller machine , a point-of-sale terminal , telephone device , electronic cash register or personal computer of the type used in financial transactions with a financial services-type institution ; (b) user identification means identifying a financial account associated with a user at said financial institution ; each of said remote interface devices including means for allowing said user to access electronically the financial institution account of said user ; (c) a sweepstakes data processor having means for passively reading an account number associated with said user' ; s financial account without input from the user and means for generating a random number and comparing said account number to said random number while the user effects a transaction at said remote interface device , said comparing of said account number and said random number being effected to determine whether said account number and random number match , whereby there is no appreciable additional time required to complete said game in addition to said transaction ; and (d) said sweepstakes data processor including means for determining a prize to be awarded to the user of an account number determined to match said random number and awarding said prize to the user . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (conducting transactions, financial transactions) , and a monetary amount to be the subject of select transactions . |
US4815741A CLAIM 3 . Apparatus for playing a sweepstakes-type game by a user , said apparatus comprising : (a) a plurality of remote interface devices ; each of said remote interface devices being in electronic communication with a financial institution (transaction machine, customer profile, customer name) data processing machine ; each of said remote interface devices being one of an automated teller machine , a point-of-sale terminal , telephone device , electronic cash register or personal computer of the type used in financial transactions (conducting transactions) with a financial services-type institution ; (b) user identification means identifying a financial account associated with a user at said financial institution ; each of said remote interface devices including means for allowing said user to access electronically the financial institution account of said user ; (c) a sweepstakes data processor having means for passively reading an account number associated with said user' ; s financial account without input from the user and means for generating a random number and comparing said account number to said random number while the user effects a transaction at said remote interface device , said comparing of said account number and said random number being effected to determine whether said account number and random number match , whereby there is no appreciable additional time required to complete said game in addition to said transaction ; and (d) said sweepstakes data processor including means for determining a prize to be awarded to the user of an account number determined to match said random number and awarding said prize to the user . US4815741A CLAIM 25 . A method of stimulating the use of remote interface devices by playing a sweepstakes-type game including the steps of : (a) generating prize winning indicia ; (b) entering a user identifier into a remote interface device ; said interface device being one of an automated teller machine , a point-of-sale terminal , a telephone , an electronic cash register or a personal computer of the type used in conducting transactions (conducting transactions) with a financial services-type institution ; (c) accessing a financial account in said financial services-type institution electronically through the interface device upon entry of said user identifier ; (d) passively generating indicia for the user ; (e) comparing said passively generated indicia to said prize indicia ; and (f) determining whether a winning correlation exists between said passively generated indicia and said prize indicia at generally the same time that said user conducts an unrelated transaction with said financial services-type institution . |
| US8862508B2 CLAIM 14 . The system of claim 13 , wherein said stored transactional usage data is stored in association with a customer profile (financial institution) . |
US4815741A CLAIM 3 . Apparatus for playing a sweepstakes-type game by a user , said apparatus comprising : (a) a plurality of remote interface devices ; each of said remote interface devices being in electronic communication with a financial institution (transaction machine, customer profile, customer name) data processing machine ; each of said remote interface devices being one of an automated teller machine , a point-of-sale terminal , telephone device , electronic cash register or personal computer of the type used in financial transactions with a financial services-type institution ; (b) user identification means identifying a financial account associated with a user at said financial institution ; each of said remote interface devices including means for allowing said user to access electronically the financial institution account of said user ; (c) a sweepstakes data processor having means for passively reading an account number associated with said user' ; s financial account without input from the user and means for generating a random number and comparing said account number to said random number while the user effects a transaction at said remote interface device , said comparing of said account number and said random number being effected to determine whether said account number and random number match , whereby there is no appreciable additional time required to complete said game in addition to said transaction ; and (d) said sweepstakes data processor including means for determining a prize to be awarded to the user of an account number determined to match said random number and awarding said prize to the user . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (financial institution) , a language to be used in connection with one or more of said touch points , an account for conducting transactions (conducting transactions, financial transactions) , and a monetary amount to be the subject of select transactions . |
US4815741A CLAIM 3 . Apparatus for playing a sweepstakes-type game by a user , said apparatus comprising : (a) a plurality of remote interface devices ; each of said remote interface devices being in electronic communication with a financial institution (transaction machine, customer profile, customer name) data processing machine ; each of said remote interface devices being one of an automated teller machine , a point-of-sale terminal , telephone device , electronic cash register or personal computer of the type used in financial transactions (conducting transactions) with a financial services-type institution ; (b) user identification means identifying a financial account associated with a user at said financial institution ; each of said remote interface devices including means for allowing said user to access electronically the financial institution account of said user ; (c) a sweepstakes data processor having means for passively reading an account number associated with said user' ; s financial account without input from the user and means for generating a random number and comparing said account number to said random number while the user effects a transaction at said remote interface device , said comparing of said account number and said random number being effected to determine whether said account number and random number match , whereby there is no appreciable additional time required to complete said game in addition to said transaction ; and (d) said sweepstakes data processor including means for determining a prize to be awarded to the user of an account number determined to match said random number and awarding said prize to the user . US4815741A CLAIM 25 . A method of stimulating the use of remote interface devices by playing a sweepstakes-type game including the steps of : (a) generating prize winning indicia ; (b) entering a user identifier into a remote interface device ; said interface device being one of an automated teller machine , a point-of-sale terminal , a telephone , an electronic cash register or a personal computer of the type used in conducting transactions (conducting transactions) with a financial services-type institution ; (c) accessing a financial account in said financial services-type institution electronically through the interface device upon entry of said user identifier ; (d) passively generating indicia for the user ; (e) comparing said passively generated indicia to said prize indicia ; and (f) determining whether a winning correlation exists between said passively generated indicia and said prize indicia at generally the same time that said user conducts an unrelated transaction with said financial services-type institution . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | US4660168A Filed: 1984-03-14 Issued: 1987-04-21 Apparatus for completing a customer initiated ATM transaction (Original Assignee) Grant Elwyn E; Lafevers James O; Tribble Richard P (Current Assignee) Diebold Nixdorf Inc ; Bankers Trust Co Elwyn E. Grant, James O. Lafevers, Richard P. Tribble |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types (said application) of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US4660168A CLAIM 3 . Apparatus including an ATM as described in claim 2 wherein said memory of said ATM control means includes an erasable programmable read-only memory (EPROM) for storing said operating system control means and a random access memory (RAM) for storing said application (different types) s system control means . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (random access memory) . |
US4660168A CLAIM 3 . Apparatus including an ATM as described in claim 2 wherein said memory of said ATM control means includes an erasable programmable read-only memory (EPROM) for storing said operating system control means and a random access memory (select transactions) (RAM) for storing said applications system control means . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (random access memory) . |
US4660168A CLAIM 3 . Apparatus including an ATM as described in claim 2 wherein said memory of said ATM control means includes an erasable programmable read-only memory (EPROM) for storing said operating system control means and a random access memory (select transactions) (RAM) for storing said applications system control means . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (said memory) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
US4660168A CLAIM 3 . Apparatus including an ATM as described in claim 2 wherein said memory (data storage device) of said ATM control means includes an erasable programmable read-only memory (EPROM) for storing said operating system control means and a random access memory (RAM) for storing said applications system control means . |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions (random access memory) . |
US4660168A CLAIM 3 . Apparatus including an ATM as described in claim 2 wherein said memory of said ATM control means includes an erasable programmable read-only memory (EPROM) for storing said operating system control means and a random access memory (select transactions) (RAM) for storing said applications system control means . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | AU2005200733A1 Filed: 2005-02-17 Issued: 2005-03-17 System and method for conducting web-based financial transactions in capital markets (Original Assignee) Integral Dev Corp (Current Assignee) INTEGRAL DEVELOPMENT Corp Stephen Rees, Harpal S. Sandhu, Viral Vipin Tolat |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content (profile information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . |
| US8862508B2 CLAIM 4 . The method of claim 1 , further comprising the step of determining whether said marketing content (profile information) is classified as being one or more of current or approved content . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . |
| US8862508B2 CLAIM 6 . The method of claim 1 , further comprising the step of transmitting additional information related to said marketing content (profile information) during said active session . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content (profile information) correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . |
| US8862508B2 CLAIM 10 . The method of claim 7 , further comprising the step of determining whether said marketing content (profile information) is classified as being one or more of current or approved content . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . |
| US8862508B2 CLAIM 12 . The method of claim 7 , further comprising the step of transmitting additional information related to said marketing content (profile information) during said active session . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device (following steps) , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content (profile information) correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . AU2005200733A1 CLAIM 28 . A method for converting a first set of internal objects , representing the terms of a transaction involving the exchange of financial instruments between a provider user and a member user of a system for facilitating transactions involving the exchange of financial instruments , into a transaction message employing a standard format for representing the transaction , the method comprising the following steps (data storage device) : applying an XML mapping to the first set of internal objects in order to dynamically generate a Document Object Model tree ; and applying an XSL stylesheet to convert the Document Object Model tree into the transaction message , wherein the transaction message includes transaction data describing the transaction , including : a type of the transaction ; In (ii) a plurality of parties to the transaction , including the member user and a provider user selected by the member user from a plurality of provider users ; (iii) a payment schedule pursuant to which the member user will make one cr more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate c or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule . tIr . 29 . The method of claim 28 wherein the standard format is an XML format . The method of claim 28 wherein the first set of internal objects includes Java objects . |
| US8862508B2 CLAIM 18 . The system of claim 13 , wherein said marketing content (profile information) is classified as being one or more of current or approved content . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . |
| US8862508B2 CLAIM 20 . The system of claim 13 , wherein said additional information related to said marketing content (profile information) is transmitted during said active session . |
AU2005200733A1 CLAIM 27 . The system of claim 26 wherein the XML format can represent : transaction data describing the transaction , including : a type of the transaction ; (ii) a plurality of parties to the transaction , including the provider user and the member user of the system ; (iii) a payment schedule pursuant to which the member user will make one or more payments to the provider user ; and (iv) rate information which can include information relating to an interest rate or an exchange rate that can affect the calculation of the amount of one or more of the payments made pursuant to the payment schedule ; reference data , including profile information (marketing content) about the parties to the transaction ; and market data , including market interest rate or currency exchange rates . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | AU2005213425A1 Filed: 2005-02-04 Issued: 2005-08-25 Separate trading of registered interest and principal of securities system, method and computer program product (Original Assignee) Research Affiliates LLC (Current Assignee) Research Affiliates LLC Robert D. Arnott |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2005213425A1 CLAIM 1 . A computer system (computer system) for generating a correlated investment comprising : a host processor adapted to discount to present value one or more future liabilities at a discount rate of a bond that matures at the same time as said one or more future liabilities , and to generate a correlated investment using an original investment amount and leverage funds . |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems (computer readable media) , wherein each computer system (computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2005213425A1 CLAIM 1 . A computer system (computer system) for generating a correlated investment comprising : a host processor adapted to discount to present value one or more future liabilities at a discount rate of a bond that matures at the same time as said one or more future liabilities , and to generate a correlated investment using an original investment amount and leverage funds . AU2005213425A1 CLAIM 13 . A computer program product embodied on a computer readable media (computer systems) , the product adapted to enable a computer processor to perform a method for generating a correlated investment , said method comprising : discounting to present value one or more future liabilities at a discount rate of a bond that matures at the same time as said one or more future liabilities ; generating a correlated investment using an original investment amount and leverage funds ; monitoring market information about a bond market using a computer ; recalibrating said correlated investment using said computer according to said market information comprising : 13 WO 2005/076941 PCT/US2005/003673 recommending at least one of buying or selling portions of said correlated investment as indicated by said market information . |
| US8862508B2 CLAIM 13 . A unified electronic banking system , said system comprising : a common multi-channel server , wherein said multi-channel server is communicatively coupled to one or more independent computer systems (computer readable media) ; wherein each of one or more independent computer systems is associated with an independent financial institution , and each of said computer systems is communicatively coupled to said multi-channel server ; one or more e-banking touch points , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , wherein one or more of said e-banking touch points are communicatively coupled to said multi-channel server , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; and a data storage device , wherein transactional usage data associated with a transaction initiated by a user through one of said e-banking touch points is stored in said data storage device and accessed by one or more of said other e-banking touch points ; wherein said active session is monitored via said server in real-time for selection of targeted marketing content correlated to said user-defined preferences , said targeted marketing content correlated to said user-defined preferences is selected subsequent to said monitoring and transmitted in real-time to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , and wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2005213425A1 CLAIM 13 . A computer program product embodied on a computer readable media (computer systems) , the product adapted to enable a computer processor to perform a method for generating a correlated investment , said method comprising : discounting to present value one or more future liabilities at a discount rate of a bond that matures at the same time as said one or more future liabilities ; generating a correlated investment using an original investment amount and leverage funds ; monitoring market information about a bond market using a computer ; recalibrating said correlated investment using said computer according to said market information comprising : 13 WO 2005/076941 PCT/US2005/003673 recommending at least one of buying or selling portions of said correlated investment as indicated by said market information . |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | AU2004243930A1 Filed: 2004-05-26 Issued: 2004-12-09 A method of determining a capital-at-risk for a clearing house (Original Assignee) OM Tech AB (Current Assignee) OM Tech AB Bengt Jansson, Erik Ricknell |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2004243930A1 CLAIM 12 . A computer system (computer system) for determining the capital-at-risk required by a clearing house , the system having : 10 - a module for storing positions for accounts associated with the clearing house , - a unit for determining the market value of the accounts at a number of valuation points , - a unit for summarizing accounts associated with losses to a sum indicative of a potential loss , and - a computer output source for outputting said sum as the required capital-at-risk . 15 |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (particular account, when m) , and a monetary amount to be the subject of select transactions (particular account, when m) . |
AU2004243930A1 CLAIM 3 . The method of claim 1 , wherein the loss for a particular account (conducting transactions, select transactions) is adjusted based on a credit rating established for the holder of said particular account . 15 AU2004243930A1 CLAIM 6 . The method of claim 1 , when m (conducting transactions, select transactions) ore than one set of evaluation points are evaluated , wherein the set of evaluation points providing the greatest loss is used as output sum . 25 |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2004243930A1 CLAIM 12 . A computer system (computer system) for determining the capital-at-risk required by a clearing house , the system having : 10 - a module for storing positions for accounts associated with the clearing house , - a unit for determining the market value of the accounts at a number of valuation points , - a unit for summarizing accounts associated with losses to a sum indicative of a potential loss , and - a computer output source for outputting said sum as the required capital-at-risk . 15 |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (particular account, when m) , and a monetary amount to be the subject of select transactions (particular account, when m) . |
AU2004243930A1 CLAIM 3 . The method of claim 1 , wherein the loss for a particular account (conducting transactions, select transactions) is adjusted based on a credit rating established for the holder of said particular account . 15 AU2004243930A1 CLAIM 6 . The method of claim 1 , when m (conducting transactions, select transactions) ore than one set of evaluation points are evaluated , wherein the set of evaluation points providing the greatest loss is used as output sum . 25 |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name , a language to be used in connection with one or more of said touch points , an account for conducting transactions (particular account, when m) , and a monetary amount to be the subject of select transactions (particular account, when m) . |
AU2004243930A1 CLAIM 3 . The method of claim 1 , wherein the loss for a particular account (conducting transactions, select transactions) is adjusted based on a credit rating established for the holder of said particular account . 15 AU2004243930A1 CLAIM 6 . The method of claim 1 , when m (conducting transactions, select transactions) ore than one set of evaluation points are evaluated , wherein the set of evaluation points providing the greatest loss is used as output sum . 25 |
| US8862508B2 Filed: 2005-11-14 Issued: 2014-10-14 System and method for unifying e-banking touch points and providing personalized financial services (Original Assignee) Mcom Financial Solutions Inc (Current Assignee) MCOM IP, LLC Thomas Maiorino, Daniel Taylor | AU2004235043A1 Filed: 2004-04-27 Issued: 2004-11-11 System and method for managing accounts payable and accounts receivable (Original Assignee) Jeffrey P. Leventhal Jeffrey P. Leventhal |
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| US8862508B2 CLAIM 1 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing at least one common multi-channel server coupled to more than one e-banking touch points and also coupled to at least one computer system (computer system) configured with at least one control console , said more than one e-banking touch points and said at least one computer system being provided in locations remote from the other , and further wherein said more than one plurality of e-banking touch points are comprised of at least two different types of e-banking touch point devices , each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said more than one e-banking touch points and said at least one computer system ; monitoring via said server an active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2004235043A1 CLAIM 31 . A system for managing accounts payable , comprising : a third party computer system (computer system) in communication a vendor computer system via a 10 communication network , the third party computer system including programming for allocating at least a portion of an invoiced dollar amount to a virtual account associated with a vendor and maintained by the third party upon receiving an approval from a customer to pay an invoice including the invoiced dollar amount ; receiving a request from the vendor to have a dispersal dollar amount transferred from the virtual account to a real 15 account associated with the vendor ; and initiating an electronic transfer of the dispersal dollar amount from a real account maintained by the third party to the real account associated with the vendor . |
| US8862508B2 CLAIM 3 . The method of claim 1 , wherein said user-defined preferences comprise one or more of a customer name (more service) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
AU2004235043A1 CLAIM 45 . A readable-media for use in connection with a processing system having instructions for managing service requests , the instructions performing steps comprising : populating a registry with a plurality of service providers ; creating a work order from a request for services received from a service requestor where the work order is to be routed to one or more service (customer name) providers selected from the 30 registry for the purpose of having one or more of the selected service providers indicate an acceptance of the work order ; determining whether the services where services covered under warranty ; and 20 WO 2004/097580 PCT/US2004/013033 when it is determined that the services where services covered under warranty , causing payment to be made to a selected service provider that indicated an acceptance of the work order , which was then assigned the work order , and which completed at least a portion of the work order using a fund associated with a company underwriting the 5 warranty otherwise causing payment to be made to a selected service provider that indicated an acceptance of the work order , which was then assigned the work order , and which completed at least a portion of the work order using a fund associated service requestor . 21 |
| US8862508B2 CLAIM 7 . A method for constructing a unified electronic banking environment , said method comprising the steps of : providing a common multi-channel server coupled to one or more e-banking touch points and also coupled to one or more computer systems , wherein each computer system (computer system) is associated with a financial institution , said e-banking touch points being provided in locations remote from the other , and each of which comprise one or more of an automatic teller/transaction machine (ATM) , a self-service coin counter (SSCC) , a kiosk , a digital signage display , an online accessible banking website , a personal digital assistant (PDA) , a personal computer (PC) , a laptop , a wireless device , or a combination of two or more thereof , and wherein at least one of said e-banking touch points is in communication with one or more financial institutions through said multi-channel server ; receiving an actionable input from at least one e-banking touch point ; retrieving previously stored data associated with said actionable input , wherein said previously stored data is accessible to any one of said e-banking touch points , and said previously stored data comprises data from one or more financial institutions and one or more user-defined preferences ; delivering said retrieved data to said at least one e-banking touch point transmitting said actionable input ; storing transactional usage data associated with said at least one e-banking touch point transmitting said actionable input , wherein said stored transactional usage data is accessible by any one of said e-banking touch points and said one or more computer systems ; monitoring via said server said active session in real-time for selection of targeted marketing content correlated to said user-defined preferences ; subsequent to said monitoring , selecting in real-time said targeted marketing content correlated to said user-defined preferences ; and transmitting in real-time said targeted marketing content during said active session to at least one of said e-banking touch points for acceptance , rejection , or no response by a user , wherein said response by said user is used during said active session to determine whether transmission of additional information related to said marketing content occurs during said active session . |
AU2004235043A1 CLAIM 31 . A system for managing accounts payable , comprising : a third party computer system (computer system) in communication a vendor computer system via a 10 communication network , the third party computer system including programming for allocating at least a portion of an invoiced dollar amount to a virtual account associated with a vendor and maintained by the third party upon receiving an approval from a customer to pay an invoice including the invoiced dollar amount ; receiving a request from the vendor to have a dispersal dollar amount transferred from the virtual account to a real 15 account associated with the vendor ; and initiating an electronic transfer of the dispersal dollar amount from a real account maintained by the third party to the real account associated with the vendor . |
| US8862508B2 CLAIM 9 . The method of claim 7 , wherein said user-defined preferences comprise one or more of a customer name (more service) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
AU2004235043A1 CLAIM 45 . A readable-media for use in connection with a processing system having instructions for managing service requests , the instructions performing steps comprising : populating a registry with a plurality of service providers ; creating a work order from a request for services received from a service requestor where the work order is to be routed to one or more service (customer name) providers selected from the 30 registry for the purpose of having one or more of the selected service providers indicate an acceptance of the work order ; determining whether the services where services covered under warranty ; and 20 WO 2004/097580 PCT/US2004/013033 when it is determined that the services where services covered under warranty , causing payment to be made to a selected service provider that indicated an acceptance of the work order , which was then assigned the work order , and which completed at least a portion of the work order using a fund associated with a company underwriting the 5 warranty otherwise causing payment to be made to a selected service provider that indicated an acceptance of the work order , which was then assigned the work order , and which completed at least a portion of the work order using a fund associated service requestor . 21 |
| US8862508B2 CLAIM 15 . The system of claim 13 , wherein said user-defined preferences comprise one or more of a customer name (more service) , a language to be used in connection with one or more of said touch points , an account for conducting transactions , and a monetary amount to be the subject of select transactions . |
AU2004235043A1 CLAIM 45 . A readable-media for use in connection with a processing system having instructions for managing service requests , the instructions performing steps comprising : populating a registry with a plurality of service providers ; creating a work order from a request for services received from a service requestor where the work order is to be routed to one or more service (customer name) providers selected from the 30 registry for the purpose of having one or more of the selected service providers indicate an acceptance of the work order ; determining whether the services where services covered under warranty ; and 20 WO 2004/097580 PCT/US2004/013033 when it is determined that the services where services covered under warranty , causing payment to be made to a selected service provider that indicated an acceptance of the work order , which was then assigned the work order , and which completed at least a portion of the work order using a fund associated with a company underwriting the 5 warranty otherwise causing payment to be made to a selected service provider that indicated an acceptance of the work order , which was then assigned the work order , and which completed at least a portion of the work order using a fund associated service requestor . 21 |