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1. 发明授权

US10013680B1 Method and system for automatically harmonizing access to a software application program via different access devices 有权
公开(公告)号：US10013680B1
公开(公告)日：2018-07-03
申请号：US13599229
申请日：2012-08-30
申请人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
发明人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F7/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F19/211 , H04L67/28 , H04L67/2823 , H04L67/2828 , H04L67/30 , H04L67/36 , Y10S707/99945 , Y10S707/99948 , Y10S715/962 , Y10S715/969
摘要： A method and system automatically harmonizes access to a given software application program via different access devices. The financial institution receives information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.

2. 发明申请

US20070250808A1 Delivering financial services to remote devices 有权
标题翻译：向远程设备提供金融服务
公开(公告)号：US20070250808A1
公开(公告)日：2007-10-25
申请号：US11812945
申请日：2007-06-22
申请人： James Zeanah , Charles Abbott , Nik Boyd , Albert Cohen , James Cook , Michael Grandcolas , Sikun Lan , Bonnie Lindsley , Grigor Markarian , Leslie Moss
发明人： James Zeanah , Charles Abbott , Nik Boyd , Albert Cohen , James Cook , Michael Grandcolas , Sikun Lan , Bonnie Lindsley , Grigor Markarian , Leslie Moss
IPC分类号： G06F9/44
CPC分类号： G06Q20/30 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q40/00 , G07F19/206
摘要： 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.
摘要翻译：金融机构可以向个人计算机，个人数据助理，屏幕电话，自动取款机，外部服务提供商等多个远程设备提供金融服务，并且向内部向员工终端和各个分支机构提供金融服务。通过将系统的组件分离成独立的组件，可以在组件级别而不是整个系统级别上开发和测试系统和方法，从而减少开发和维护周期时间。该系统和方法在会话中进行操作，并且可以使用用于从客户收集信息的对话组件，用于提供特定国家的各种法律和规则规则的答案的规则代理组件，用于选择适当语言的语言人组件，交易执行交易的执行者组件，以及用于将输出格式化给客户的演示管理器组件。

3. 发明授权

US08280810B2 Method and system for automatically harmonizing access to a software application program via different access devices 有权
标题翻译：用于通过不同的访问设备自动协调对软件应用程序的访问的方法和系统
公开(公告)号：US08280810B2
公开(公告)日：2012-10-02
申请号：US13004294
申请日：2011-01-11
申请人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
发明人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
IPC分类号： G06Q40/00
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F7/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F19/211 , H04L67/28 , H04L67/2823 , H04L67/2828 , H04L67/30 , H04L67/36 , Y10S707/99945 , Y10S707/99948 , Y10S715/962 , Y10S715/969
摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.
摘要翻译：方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。一个单一的应用程序是所有需要由金融机构编写和维护的。此外，该方法和系统使金融机构能够利用现有的计划，因为现在该机构可以自动将现有的程序服务库存投入到新的访问设备上 - 这些设备在创建程序时可能还没有存在。通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。然后访问应用程序，并且识别要显示给用户的信息。该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。应用程序产生的响应自动转换为与设备兼容，并发送到设备。

4. 发明授权

US07908222B2 Method and system for automatically harmonizing access to a software application program via different access devices 有权
标题翻译：用于通过不同的访问设备自动协调对软件应用程序的访问的方法和系统
公开(公告)号：US07908222B2
公开(公告)日：2011-03-15
申请号：US11812481
申请日：2007-06-19
申请人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
发明人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
IPC分类号： G06Q20/00
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F7/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F19/211 , H04L67/28 , H04L67/2823 , H04L67/2828 , H04L67/30 , H04L67/36 , Y10S707/99945 , Y10S707/99948 , Y10S715/962 , Y10S715/969
摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.
摘要翻译：方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。一个单一的应用程序是所有需要由金融机构编写和维护的。此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。然后访问应用程序，并且识别要显示给用户的信息。该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。应用程序产生的响应自动转换为与设备兼容，并发送到设备。

5. 发明申请

US20080005038A1 Method and system for automatically harmonizing access to a software application program via different access devices 有权
标题翻译：用于通过不同的访问设备自动协调对软件应用程序的访问的方法和系统
公开(公告)号：US20080005038A1
公开(公告)日：2008-01-03
申请号：US11812481
申请日：2007-06-19
申请人： Michael Grandcolas , Wendell Anthony , Patrick Law , Leslie Moss , Teresa Petach , Peter Tompkins
发明人： Michael Grandcolas , Wendell Anthony , Patrick Law , Leslie Moss , Teresa Petach , Peter Tompkins
IPC分类号： G06Q40/00
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F7/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F19/211 , H04L67/28 , H04L67/2823 , H04L67/2828 , H04L67/30 , H04L67/36 , Y10S707/99945 , Y10S707/99948 , Y10S715/962 , Y10S715/969
摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.
摘要翻译：方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。一个单一的应用程序是所有需要由金融机构编写和维护的。此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。然后访问应用程序，并且识别要显示给用户的信息。该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。应用程序产生的响应自动转换为与设备兼容，并发送到设备。

6. 发明授权

US07249344B1 Delivery of financial services to remote devices 有权
标题翻译：向远程设备提供金融服务
公开(公告)号：US07249344B1
公开(公告)日：2007-07-24
申请号：US09323210
申请日：1999-06-01
申请人： James Zeanah , Charles Abbott , Nik Boyd , Albert Cohen , James Cook , Michael Grandcolas , Sikhun Lan , Bonnie Lindsley , Grigor Markarian , Leslie Moss
发明人： James Zeanah , Charles Abbott , Nik Boyd , Albert Cohen , James Cook , Michael Grandcolas , Sikhun Lan , Bonnie Lindsley , Grigor Markarian , Leslie Moss
IPC分类号： G06F9/44
CPC分类号： G06Q20/30 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q40/00 , G07F19/206
摘要： 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.
摘要翻译：金融机构可以向个人计算机，个人数据助理，屏幕电话，自动取款机，外部服务提供商等多个远程设备提供金融服务，并且向内部向员工终端和各个分支机构提供金融服务。通过将系统的组件分离成独立的组件，可以在组件级别而不是整个系统级别上开发和测试系统和方法，从而减少开发和维护周期时间。该系统和方法在会话中进行操作，并且可以使用用于从客户收集信息的对话组件，用于提供特定国家的各种法律和规则规则的答案的规则代理组件，用于选择适当语言的语言人组件，交易执行交易的执行者组件，以及用于将输出格式化给客户的演示管理器组件。

7. 发明授权

US5933816A System and method for delivering financial services 失效
标题翻译：提供金融服务的制度和方法
公开(公告)号：US5933816A
公开(公告)日：1999-08-03
申请号：US908413
申请日：1997-08-07
申请人： James Zeanah , Charles Abbott , Nik Boyd , Albert Cohen , James Cook , Michael Grandcolas , Sikhun Lan , Bonnie Lindsley , Grigor Markarian , Leslie Moss
发明人： James Zeanah , Charles Abbott , Nik Boyd , Albert Cohen , James Cook , Michael Grandcolas , Sikhun Lan , Bonnie Lindsley , Grigor Markarian , Leslie Moss
IPC分类号： G07F19/00 , G06Q20/00 , G06F17/60
CPC分类号： G06Q20/18 , G06Q20/00 , G06Q40/00 , G07F19/201 , G07F19/211
摘要： A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones. In addition to providing services to these remote devices, the system and method provide services to automatic teller machines (ATMs), external service providers, and internally within the financial institution to staff terminals and to the individual branches of the financial institution. The delivery of financial services is not limited to any particular network but rather may be provided through dial-in access, Internet access, on-line service provider access, or other types of delivery networks. The system is comprised of a set of reusable global components which are modular and are organized into services sets. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby substantially reducing the development and maintenance cycle time. The system and method operate in sessions and, for instance, employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer. The system and method provide state-of-the art interfaces with interface components and support legacy applications with legacy app bridge components.
摘要翻译：递送系统和方法允许金融机构向诸如个人计算机，个人数据助理和屏幕电话的多个远程设备提供金融服务。除了向这些远程设备提供服务之外，系统和方法向自动取款机（ATM），外部服务提供商以及金融机构内部向员工终端和金融机构的各个分支机构提供服务。金融服务的交付不限于任何特定网络，而是可以通过拨入接入，因特网接入，在线服务提供商接入或其他类型的传送网络来提供。该系统由一组可复用的全局组件组成，它们是模块化的，并被组织成服务集。通过将系统的组件分离成独立的组件，可以在组件级别而不是整个系统级别上开发和测试系统和方法，从而大大减少开发和维护周期时间。系统和方法在会话中操作，并且例如采用用于从客户收集信息的对话组件，用于提供特定国家的各种法律和规则规则的答案的规则代理组件，用于选择适当语言的语言人组件，用于执行交易的交易执行器组件，以及用于将输出格式化给客户的演示管理器组件。该系统和方法为界面组件提供了最先进的界面，并支持旧版应用程序桥接组件。

8. 发明授权

US5195130A Computer and telephone apparatus with user friendly computer interface and enhanced integrity features 失效
标题翻译：具有用户友好的计算机接口和增强的完整性功能的计算机和电话设备
公开(公告)号：US5195130A
公开(公告)日：1993-03-16
申请号：US593921
申请日：1990-10-05
申请人： Lawrence D. Weiss , Joseph C. Kawan , Leslie Roth , Jim R. Vollmer , Morris L. Tucci , Melvin M. Takata , Alfred S. Samulon , Dilip J. Parekh , Sarkis A. Meguerdijian , Harvey Marks , Shan Lee , Douglas W. Caruthers , Leo Ahlin , Leslie Moss , Kenneth Krieger , Carol A. Medine , Truc Nguyen , Marjorie Engber , Edward Chin , Lucilla K. Warren , Joseph P. Randolph , Robert Haddock
发明人： Lawrence D. Weiss , Joseph C. Kawan , Leslie Roth , Jim R. Vollmer , Morris L. Tucci , Melvin M. Takata , Alfred S. Samulon , Dilip J. Parekh , Sarkis A. Meguerdijian , Harvey Marks , Shan Lee , Douglas W. Caruthers , Leo Ahlin , Leslie Moss , Kenneth Krieger , Carol A. Medine , Truc Nguyen , Marjorie Engber , Edward Chin , Lucilla K. Warren , Joseph P. Randolph , Robert Haddock
IPC分类号： G06F15/00 , G06F9/445 , G06Q20/00 , H04L29/06 , H04M1/00 , H04M1/02 , H04M1/247 , H04M1/253 , H04M11/00
CPC分类号： G06Q20/04 , G06F8/60 , G06Q20/00 , H04L29/06 , H04M1/00 , H04M1/247 , H04M1/2473 , H04M1/253
摘要： The present invention relates to a telephone configured as a programmable microcomputer (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input. The telephone-computer includes telephone electronics and a microprocessor unit operated in conjunction with other computer elements, including memory devices, and a programmable gate array (PGA) chip and enhanced integrity features, and has the overall appearance of a telephone. The PGA has the capability of being reconfigured to accommodate various types of softwares which require different hardware configuration, but without actually reconfiguring the hardware. The telephone-computer delivers data processing capabilities and services through an ordinary telephone instrument via conventional telephone lines with a network host computer which communicates with a vast panoply of service bureaus. Specifically, operating software is downloaded to the telephone-computer by the network host computer to reconfigure the PGA to format the microcomputer necessary to conform to the software format used by the service bureaus.
摘要翻译：本发明涉及一种配置为可编程微型计算机（电话计算机）的电话机，其在大多数情况下通过标准电话机12键键盘输入进行操作。电话计算机包括电话电子设备和与其他计算机元件（包括存储器件）以及可编程门阵列（PGA）芯片和增强的完整性特征结合操作的微处理器单元，并且具有电话的整体外观。 PGA具有被重新配置以适应需要不同硬件配置的各种类型的软件的能力，但是没有实际地重新配置硬件。电话计算机通过普通电话仪器通过常规电话线与具有广泛的服务部门通信的网络主机来提供数据处理能力和服务。具体来说，操作软件由网络主机下载到电话计算机，以重新配置PGA格式化微型计算机，以符合服务局使用的软件格式。

9. 发明申请

US20110112963A1 METHOD AND SYSTEM FOR AUTOMATICALLY HARMONIZING ACCESS TO A SOFTWARE APPLICATION PROGRAM VIA DIFFERENT ACCESS DEVICES 有权
标题翻译：用于通过不同访问设备自动协调访问软件应用程序的方法和系统
公开(公告)号：US20110112963A1
公开(公告)日：2011-05-12
申请号：US13004294
申请日：2011-01-11
申请人： Michael L. GRANDCOLAS , Wendell W. ANTHONY , Patrick LAW , Leslie MOSS , Teresa A. PETACH , Peter TOMPKINS
发明人： Michael L. GRANDCOLAS , Wendell W. ANTHONY , Patrick LAW , Leslie MOSS , Teresa A. PETACH , Peter TOMPKINS
IPC分类号： G06Q40/00
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F7/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F19/211 , H04L67/28 , H04L67/2823 , H04L67/2828 , H04L67/30 , H04L67/36 , Y10S707/99945 , Y10S707/99948 , Y10S715/962 , Y10S715/969
摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.
摘要翻译：方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。一个单一的应用程序是所有需要由金融机构编写和维护的。此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。然后访问应用程序，并且识别要显示给用户的信息。该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。应用程序产生的响应自动转换为与设备兼容，并发送到设备。

10. 发明授权

US08543982B2 Delivering financial services to remote devices 有权
公开(公告)号：US08543982B2
公开(公告)日：2013-09-24
申请号：US11812945
申请日：2007-06-22
申请人： James Zeanah , Charles Abbott , Nik Boyd , Albert Cohen , James Cook , Michael Grandcolas , Sikun Lan , Bonnie Lindsley , Grigor Markarian , Leslie Moss
发明人： James Zeanah , Charles Abbott , Nik Boyd , Albert Cohen , James Cook , Michael Grandcolas , Sikun Lan , Bonnie Lindsley , Grigor Markarian , Leslie Moss
IPC分类号： G06F9/44 , G06Q40/00
CPC分类号： G06Q20/30 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q40/00 , G07F19/206
摘要： 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.

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