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1. (WO1991009370) METHOD AND SYSTEM FOR REMOTE DELIVERY OF RETAIL BANKING SERVICES
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/1991/009370 International Application No.: PCT/US1990/007153
Publication Date: 27.06.1991 International Filing Date: 10.12.1990
Chapter 2 Demand Filed: 01.07.1991
IPC:
G06Q 20/04 (2012.01) ,G06Q 20/08 (2012.01) ,G06Q 20/10 (2012.01) ,G06Q 20/16 (2012.01) ,G06Q 20/18 (2012.01) ,H04M 17/02 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
10
specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
16
Payments settled via telecommunication systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
18
involving self-service terminals [SSTs], vending machines, kiosks or multimedia terminals
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
M
TELEPHONIC COMMUNICATION
17
Prepayment telephone systems
02
Coin-freed or check-freed systems
Applicants:
ONLINE RESOURCES & COMMUNICATIONS CORPORATION [US/US]; 1313 Dolly Madison Boulevard Suite 300 McLean, VA 22101, US (AllExceptUS)
LAWLOR, Matthew, P. [US/US]; US (UsOnly)
CARMODY, Timothy, E. [US/US]; US (UsOnly)
Inventors:
LAWLOR, Matthew, P.; US
CARMODY, Timothy, E.; US
Agent:
FARIS, Robert, W.; Nixon & Vanderhye 14th Floor 2200 Clarendon Blvd. Arlington, VA 22201, US
Priority Data:
448,17008.12.1989US
Title (EN) METHOD AND SYSTEM FOR REMOTE DELIVERY OF RETAIL BANKING SERVICES
(FR) PROCEDE ET SYSTEME DE PRESTATION A DISTANCE DE SERVICES BANCAIRES DE DETAIL
Abstract:
(EN) A practical system (50) and method for the remote distribution of financial services (e.g., home banking and billpaying) involves distributing portable terminals (54) to a user base. The terminals (54) include a multi-line display (102), keys 'pointing to' lines on the display (108), and additional keys. Contact is established between the terminals (54) and a central computer (52) operated by a service provider, preferably over a dial-up telephone line (62) and a packet data network (56). Information exchange between the central computer (52) and the terminal (54) solicits information from the terminal user related to requested financial services (e.g., for billpaying, the user provides payee selection and amount and his bank account PIN number). The central computer (52) then transmits a message over a conventional ATM network (66) debiting the user's bank account in real time, and may pay the specified payees the specified amount electronically or in other ways as appropriate. Payments and transfers may be scheduled in advance or on a periodic basis. Because the central computer (52) interacts with the user's bank as a standard POS or ATM network node, no significant software changes are required at the banks' computers. The terminal interface is extremely user-friendly and incorporates some features of standard ATM user interfaces so as to reduce new user anxiety.
(FR) Système pratique (50) et procédé de distribution à distance de services financiers (p. ex. opérations de banque et règlement de factures à domicile) basés sur l'équipement d'une base d'utilisateurs de terminaux portatifs (54). Les terminaux (54) sont pourvus d'un affichage multi-ligne (102), de touches 'indiquant' des lignes sur l'affichage (108) et des touches supplémentaires. La liaison entre les terminaux (54) et un ordinateur central (52), géré par un serveur, est assurée de préférence par une ligne téléphonique commutée (62) et un réseau de transmission données par paquets (56). L'échange d'informations entre l'ordinateur central (52) et le terminal (54) permet à l'utilisateur du terminal de demander des informations concernant les services financiers dont il a besoin (p. ex. pour régler ses factures, où l'utilisateur indique la liste des personnes à régler, le montant et son numéro NIP de son compte bancaire). L'ordinateur central (52) transmet alors un message sur un réseau classique de guichet automatique (66) pour débiter le compte bancaire de l'utilisateur en temps réel, et doit régler aux personnes indiquées le montant spécifié par voie électronique ou autre, selon le cas. Les versements et virements peuvent être programmés à l'avance ou de manière périodique. L'ordinateur central (52) coopérant avec la banque de l'utilisateur sous forme de n÷ud du réseau standard point de vent (POS) ou de guichet automatique (ATM), il n'est pas nécessaire d'apporter des modifications importantes aux ordinateurs des banques. L'interface du terminal est très conviviale et incorpore certaines caractéristiques des interfaces d'utilisateur du réseau standard ATM pour prévenir tout réticence de la part de nouveaux utilisateurs.
Designated States: AT, AU, BB, BG, BR, CA, CH, DE, DK, ES, FI, GB, HU, JP, KP, KR, LK, LU, MC, MG, MW, NL, NO, RO, SD, SE, SU, US
European Patent Office (AT, BE, CH, DE, DK, ES, FR, GB, GR, IT, LU, NL, SE)
African Intellectual Property Organization (BF, BJ, CF, CG, CM, GA, ML, MR, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
EP0504287CA2069955AU1991070387