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1. 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。

2. 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。

3. 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。

4. 外观设计

USD453766S1 Icon for a personal computer 失效
标题翻译：个人电脑图标
公开(公告)号：USD453766S1
公开(公告)日：2002-02-19
申请号：US29101358
申请日：1999-03-02
申请人： Michael L. Grandcolas , Patrick Law , Nigel Pinnell , Ashwin Doshi
设计人： Michael L. Grandcolas , Patrick Law , Nigel Pinnell , Ashwin Doshi

5. 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。

6. 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。

7. 发明授权

US07233925B1 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：US07233925B1
公开(公告)日：2007-06-19
申请号：US09240588
申请日：1999-02-01
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： G06F17/60
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。

8. 发明授权

US06332131B1 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：US06332131B1
公开(公告)日：2001-12-18
申请号：US09136362
申请日：1998-08-19
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： G06F1760
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。

9. 发明授权

US5867153A Method and system for automatically harmonizing access to a software application program via different access devices 失效
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：US5867153A
公开(公告)日：1999-02-02
申请号：US741121
申请日：1996-10-30
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： G06F13/00 , G06F15/00 , G06F17/30 , G06Q20/04 , G06Q20/10 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q40/00 , G07F7/00 , G07F7/02 , G07F17/16 , G07F19/00 , H04L29/06 , H04L29/08
CPC分类号： G07F19/211 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F7/00 , 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

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.

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