Processing

Please wait...

Settings

Settings

Goto Application

1. WO1999009470 - PERSONAL BANKING MACHINE

Publication Number WO/1999/009470
Publication Date 25.02.1999
International Application No. PCT/US1998/016448
International Filing Date 13.08.1998
Chapter 2 Demand Filed 15.03.1999
IPC
G06Q 20/00 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
G06Q 40/00 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G07F 19/00 2006.1
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
19Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
CPC
G06Q 20/18
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
18involving self- service terminals [SSTs], vending machines, kiosks or multimedia terminals
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G07F 19/20
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
19Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
20Automatic teller machines [ATMs]
Applicants
  • CITICORP DEVELOPMENT CENTER, INC. [US]/[US]
Inventors
  • DO, Cuong, D.
  • HAN, Nhut, Trung
  • SEARS, Michael, L.
  • HSU, Phoebe, Rin-Rin
Agents
  • MARCOU, George, T.
Priority Data
60/055,28613.08.1997US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) PERSONAL BANKING MACHINE
(FR) MACHINE BANCAIRE PERSONNELLE
Abstract
(EN) A method and system (2) for performing banking transaction and obtaining information about banking products and services. The system (2) includes features for performing banking transactions. The transaction functions include services such as applying for and receiving checks (13), bankcards (14), opening accounts (15), applying for loans (20), and accessing the Internet (23). The system (2) also includes information functions which permit the user to gain information on savings accounts (19), loans (20), home banking (21) travel related services (22), and retrieve information from the Internet. The system (2) also provides a demonstration (24) of the various bank products and services. The system (2) allows these functions to be performed by customers and non-customers in a 24-hour or extended operating hours environment without the need for interaction with or assistance from a customer service representative or local bank staff member.
(FR) L'invention concerne un procédé et un système (2) permettant d'exécuter des transactions bancaires et d'obtenir des informations relatives à des produits ainsi qu'à des services bancaires. Le système (2) comprend des dispositifs permettant d'exécuter des transactions bancaires. Les fonctions de transaction comprennent des services tels que la demande et la réception de chèques (13), des cartes bancaires (14), l'ouverture de comptes (15), la demande de prêt (20) et l'accès à l'internet (23). Le système (2) comprend également des fonctions d'informations permettant à l'utilisateur d'obtenir des informations relatives aux comptes d'épargne (19), aux prêts (20), à la banque à domicile (21), aux services de voyage (22) et à l'accès à des informations sur l'internet. Le système (2) permet également d'obtenir une démonstration (24) des divers produits et services de banque. Le système (2) permet aux clients et aux non clients d'exécuter ces fonctions dans un environnement fonctionnant 24 heures sur 24 ou selon des horaires de fonctionnement aménagés sans interaction ou sans l'assistance d'un représentant du service clientèle ou d'un membre du personnel d'une banque locale.
Latest bibliographic data on file with the International Bureau