Delivering financial services to remote devices

US8543982B2 · kind B2 · utility

Assignee

• Citicorp Development Center, Inc. · US

Inventors

• James Zeanah · Thousand Oaks, US
• Charles Abbott · Santa Monica, US
• Nik Boyd · Los Angeles, US
• Albert Cohen · Merrick, US
• James Cook · Tucson, US
• Michael Grandcolas · Santa Monica, US
• Sikun Lan · Los Angeles, US
• Bonnie Lindsley · Santa Clarita, US
• Grigor Markarian · Agoura, US
• Leslie Moss · Los Angeles, US

Key dates

• Filing date: Jun 22, 2007
• Grant date: Sep 24, 2013
• Expiry date: Jan 20, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/206
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer.