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1. 发明授权

US6073119A Method and system for banking institution interactive center 失效
标题翻译：银行机构互动中心方法与制度
公开(公告)号：US6073119A
公开(公告)日：2000-06-06
申请号：US984331
申请日：1997-12-03
申请人： Sylvia Bornemisza-Wahr , Kevin Sy Lam , Frank McCallick , Roy Sinai , Peter Paradiso , Howard A. Schechtman , Kenneth J. Randall , Peter Tompkins , Teresa A. Petach
发明人： Sylvia Bornemisza-Wahr , Kevin Sy Lam , Frank McCallick , Roy Sinai , Peter Paradiso , Howard A. Schechtman , Kenneth J. Randall , Peter Tompkins , Teresa A. Petach
IPC分类号： G06Q20/10 , G06Q20/18 , G07F7/00 , G07F19/00 , G09B7/00 , H04N7/14
CPC分类号： G06Q20/18 , G06Q20/108 , G07F17/0014 , G07F19/20 , G09B7/00
摘要： This invention generally relates to a banking facility layout and a method and system for networked customer and other user interaction with a variety of functions. These functions include access to networks, such as the internet, email capability, options to view information on banking capabilities, access to home banking, and other electronically-related user functions. The invention incorporates a purpose-designed environment that can be integrated into a branch or other banking institution facility. The invention also includes a video wall feature that allows interaction by networked users; users may take control of portions of the wall and add selected information to these portions.
摘要翻译：本发明一般涉及银行设施布局，以及用于联网的客户和其他用户与各种功能的交互的方法和系统。这些功能包括访问网络，如互联网，电子邮件功能，查看银行业务信息的选项，访问家庭银行业务以及其他与电子相关的用户功能。本发明结合了专门设计的环境，可以集成到分支机构或其他银行机构设施中。本发明还包括允许网络用户进行交互的视频墙特征; 用户可以控制墙的部分并将选择的信息添加到这些部分。

3. 发明授权

US07421410B1 Method and system for providing an incentive to use an automated teller machine (ATM) 有权
标题翻译：提供激励使用自动取款机（ATM）的方法和系统
公开(公告)号：US07421410B1
公开(公告)日：2008-09-02
申请号：US09684096
申请日：2000-10-06
申请人： Howard A. Schechtman , Peter Paradiso
发明人： Howard A. Schechtman , Peter Paradiso
IPC分类号： G06Q40/00
CPC分类号： G07F19/20 , G06Q20/105 , G06Q20/1085 , G06Q20/387 , G06Q30/02 , G06Q40/00 , G07F19/201
摘要： The present invention provides methods and systems for promoting banking services to non-customers at an automated teller machine (ATM) through an incentive system. Non-customers who enroll in the incentive system are awarded points based on ATM use, viewing of advertisements at an ATM, and other factors. When a pre-determined number of points is accumulated by the non-customer, the non-customer is provided with an award (e.g., a convenience fee for use of the ATM is forgiven). In addition, use of networked ATMs by the non-customer is tracked in order to provide tailored awards and advertisements.
摘要翻译：本发明提供了通过激励系统在自动柜员机（ATM）促进对非客户的银行服务的方法和系统。参加激励制度的非客户根据ATM使用获得积分，在ATM上查看广告等因素。当非客户积累预定数量的积分时，向非客户提供奖励（例如，对于ATM的使用的便利费被允许）。此外，跟踪非客户使用网络自动柜员机，以提供定制的奖励和广告。

4. 发明授权

US08112330B1 System and method for delivering financial services 有权
标题翻译：提供金融服务的制度和方法
公开(公告)号：US08112330B1
公开(公告)日：2012-02-07
申请号：US09671424
申请日：2000-09-27
申请人： Michael L. Grandcolas , Nancy Bryant , Howard A. Schechtman , Dilip J. Parekh
发明人： Michael L. Grandcolas , Nancy Bryant , Howard A. Schechtman , Dilip J. Parekh
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G06Q40/00 , G07F19/00 , G07F19/203 , G07F19/206
摘要： A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices and internally within the financial institution to staff terminals using a set of re-usable global components which are modular and are organized into services sets. 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 interfaces which can be configured and delivered to the customer in a globally consistent format that is based on the customer's account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.
摘要翻译：递送系统和方法允许金融机构向多个远程设备提供金融服务并且在金融机构内部向使用模块化并被组织成服务集合的一组可重复使用的全局组件组合终端。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。系统和方法提供可以以全球一致的格式配置和交付给客户的界面，该格式基于客户的帐户配置文件，各种语言，各种货币，不同的法律规定要求以及不同的业务产品集。

5. 发明授权

US07953662B2 Global method and system for providing enhanced transactional functionality through a customer terminal 有权
标题翻译：通过客户终端提供增强的事务功能的全球方法和系统
公开(公告)号：US07953662B2
公开(公告)日：2011-05-31
申请号：US12683459
申请日：2010-01-07
申请人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
发明人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G07F19/206
摘要： A global customer activated terminal (CAT) primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.
摘要翻译：全球客户激活终端（CAT）主要服务于远离本地金融机构并超出其本地区域金融区域的访问客户的旅客。该系统提供允许用户访问其帐户并在通用全局系统方法中利用帐户配置文件和事务日记帐的应用程序，并且每个事务集提供对用户的完整帐户配置文件的访问。旅行客户还可以访问与其相关联的所有帐户（如本地）到特定卡。系统中使用的硬件支持加密密钥下载，解扰和PIN加密，从而在硬件层面建立安全性。为了在每个区域层面为所提供的产品和服务提供最大的灵活性，区域前端处理器和主机是每个交易接受和履行的仲裁员，而不是CAT。

6. 发明申请

US20080235124A1 Global method and system for providing enhanced transactional functionality through a customer terminal 有权
标题翻译：通过客户终端提供增强的事务功能的全球方法和系统
公开(公告)号：US20080235124A1
公开(公告)日：2008-09-25
申请号：US12081609
申请日：2008-04-17
申请人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
发明人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
IPC分类号： G06Q99/00 , H04L9/32
CPC分类号： G06Q40/00 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G07F19/206
摘要： A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . . acceptance and fulfillment, rather than the CAT.
摘要翻译：提供全球客户激活终端（CAT），主要服务于远离家庭金融机构并超出其本地区域金融区域的客户需要访问账户的客户。该系统提供允许用户访问其帐户并在通用全局系统方法中利用帐户配置文件和事务日记帐的应用程序，并且每个事务集提供对用户的完整帐户配置文件的访问。旅行客户还可以访问与其相关联的所有帐户（如本地）到特定卡。系统中使用的硬件支持加密密钥下载，个人识别码（PIN）解扰和PIN加密，从而在硬件层面建立安全性。为了在每个区域层面为提供的产品和服务提供最大的灵活性，区域前端处理器（FEP）和主机（小型金融系统）是每个交易的仲裁员。。。接受和履行，而不是CAT。

7. 发明授权

US08204830B2 Global method and system for providing enhanced transactional functionality through a customer terminal 有权
标题翻译：通过客户终端提供增强的事务功能的全球方法和系统
公开(公告)号：US08204830B2
公开(公告)日：2012-06-19
申请号：US13091296
申请日：2011-04-21
申请人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
发明人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G07F19/206
摘要： A global customer activated terminal (CAT) primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.
摘要翻译：全球客户激活终端（CAT）主要服务于远离本地金融机构并超出其本地区域金融区域的访问客户的旅客。该系统提供允许用户访问其帐户并在通用全局系统方法中利用帐户配置文件和事务日记帐的应用程序，并且每个事务集提供对用户的完整帐户配置文件的访问。旅行客户还可以访问与其相关联的所有帐户（如本地）到特定卡。系统中使用的硬件支持加密密钥下载，解扰和PIN加密，从而在硬件层面建立安全性。为了在每个区域层面为所提供的产品和服务提供最大的灵活性，区域前端处理器和主机是每个交易接受和履行的仲裁员，而不是CAT。

8. 发明申请

US20120078794A1 System and Method for Delivering Financial Services 有权
标题翻译：提供金融服务的制度和方法
公开(公告)号：US20120078794A1
公开(公告)日：2012-03-29
申请号：US13298420
申请日：2011-11-17
申请人： Michael L. Grandcolas , Nancy Bryant , Howard A. Schechtman , Dilip J. Parekh
发明人： Michael L. Grandcolas , Nancy Bryant , Howard A. Schechtman , Dilip J. Parekh
IPC分类号： G06Q20/40
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G06Q40/00 , G07F19/00 , G07F19/203 , G07F19/206
摘要： A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. 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 that can be configured and delivered to the customer in a globally consistent format that is based on the customer's account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.
摘要翻译：递送系统和方法允许金融机构向多个远程设备提供金融服务。该系统由一组可重复使用的全局组件组成，它们是模块化的，并被组织成服务集。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。该系统和方法提供了可以根据客户的账户配置文件，各种语言，各种货币，不同的法律规定要求以全球一致的格式配置和交付给客户的最先进的界面，不同套的商业产品。

9. 发明授权

US08543506B2 System and method for delivering financial services 有权
标题翻译：提供金融服务的制度和方法
公开(公告)号：US08543506B2
公开(公告)日：2013-09-24
申请号：US13298420
申请日：2011-11-17
申请人： Michael L. Grandcolas , Nancy Bryant , Howard A. Schechtman , Dilip J. Parekh
发明人： Michael L. Grandcolas , Nancy Bryant , Howard A. Schechtman , Dilip J. Parekh
IPC分类号： G06Q40/02 , G06Q40/00 , G07F19/00
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G06Q40/00 , G07F19/00 , G07F19/203 , G07F19/206
摘要： A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. 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 that can be configured and delivered to the customer in a globally consistent format that is based on the customer's account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.
摘要翻译：递送系统和方法允许金融机构向多个远程设备提供金融服务。该系统由一组可重复使用的全局组件组成，它们是模块化的，并被组织成服务集。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。该系统和方法提供了可以根据客户的账户配置文件，各种语言，各种货币，不同的法律规定要求以全球一致的格式配置和交付给客户的最先进的界面，不同套的商业产品。

10. 发明授权

US5963647A Method and system for transferring funds from an account to an individual 失效
标题翻译：将资金从账户转入个人的方法和制度
公开(公告)号：US5963647A
公开(公告)日：1999-10-05
申请号：US877203
申请日：1997-06-17
申请人： John Downing , William M. Hernandez , William D. Hooper , Netty Meiroff , Jaithirth Rao , Rodman Reef , Howard A. Schechtman , Edward Horowitz
发明人： John Downing , William M. Hernandez , William D. Hooper , Netty Meiroff , Jaithirth Rao , Rodman Reef , Howard A. Schechtman , Edward Horowitz
IPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/38 , G06Q20/40 , G06Q40/00 , G07F19/00 , H04L9/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/1085 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G07F19/20
摘要： Disclosed is a system and method for transferring funds. The invention supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Access is achieved by the recipient entering a codeword selected by the sender, along with a transaction code randomly generated by the system. Once the sender provides the codeword and the transaction code to the recipient, the recipient can receive transferred cash through an ATM, even without using a card to access the system. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account. Although cash is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender, the sender's account is not debited until the cash is actually received by the recipient. Other features, including security, cancellation, and status inquiries are also described.
摘要翻译：披露了一种用于转移资金的系统和方法。本发明支持从源帐户到现金访问文件的资金转移，客户和非客户每天可以访问几乎24小时。访问由接收者输入由发送者选择的码字以及由系统随机生成的事务代码来实现。一旦发送者向接收方提供了代码字和交易代码，收件人即使没有使用卡来访问系统，也可以通过ATM接收转移的现金。现金可以通过国际边界转移，并以与发件人来源账户不同的货币进行分配。尽管现金可以在收到要求的转让通过发件人批准和确认后立即向收件人提供，但是发件人的帐户没有被扣除，直到收款人实际收到现金为止。还描述了其他功能，包括安全性，取消和状态查询。

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