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1. 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.

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

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。

4. 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。

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