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WO1997041498A3 - An improved method and system for performing banking transactions, including home banking - Google Patents

An improved method and system for performing banking transactions, including home banking Download PDF

Info

Publication number
WO1997041498A3
WO1997041498A3 PCT/US1997/006245 US9706245W WO9741498A3 WO 1997041498 A3 WO1997041498 A3 WO 1997041498A3 US 9706245 W US9706245 W US 9706245W WO 9741498 A3 WO9741498 A3 WO 9741498A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
server
delivery system
home services
services delivery
Prior art date
Application number
PCT/US1997/006245
Other languages
French (fr)
Other versions
WO1997041498A2 (en
Inventor
Wendell W Anthony
Jundar Huang
Truc Nguyen
Ashwin Doshi
Leslie Moss
Michael Williams
David Thompson
Hock Law
Donald Eichenseer
Stephen Edward Saussy
Khanh Do
Binh Luong
Original Assignee
Citibank Na
Wendell W Anthony
Jundar Huang
Truc Nguyen
Ashwin Doshi
Leslie Moss
Michael Williams
David Thompson
Hock Law
Donald Eichenseer
Stephen Edward Saussy
Khanh Do
Binh Luong
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Citibank Na, Wendell W Anthony, Jundar Huang, Truc Nguyen, Ashwin Doshi, Leslie Moss, Michael Williams, David Thompson, Hock Law, Donald Eichenseer, Stephen Edward Saussy, Khanh Do, Binh Luong filed Critical Citibank Na
Priority to EP97918639A priority Critical patent/EP0894315A2/en
Priority to AU26698/97A priority patent/AU2669897A/en
Publication of WO1997041498A2 publication Critical patent/WO1997041498A2/en
Publication of WO1997041498A3 publication Critical patent/WO1997041498A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete 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
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete 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
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
    • H04L69/04—Protocols for data compression, e.g. ROHC

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The Home Services Delivery System will provide multi-function financial services, such as Account Information, Transfer, Customer Service, Payment, Payee List, Direct Debit, and Mutual Funds, to a user accessible through a Personal Computer System (102). It is based on a Client-Server architecture and runs under the Microsoft Windows environment. Client software is provided to the user (100) that runs on the user's PC (102). This software accesses a Home Services Delivery System Server (110) via a dial-up line (104, 106, 108) and provides the basic functions needed to connect to the Server (110), authenticate the user (100), and maintain the connection until the user (100) concludes it. During installation, the Client software can be configured for use with a preferred language, and it will interface with the System using that preferred language in subsequent sessions. The System Server (110) is connected to at least one business host (116) and other external service providers (118). The Home Services Delivery System Server supports encryption key downloading, personal identification number (PIN), and PIN encryption.
PCT/US1997/006245 1996-04-18 1997-04-18 An improved method and system for performing banking transactions, including home banking WO1997041498A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP97918639A EP0894315A2 (en) 1996-04-18 1997-04-18 An improved method and system for performing banking transactions, including home banking
AU26698/97A AU2669897A (en) 1996-04-18 1997-04-18 An improved method and system for performing banking transactions, including home banking

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US1581996P 1996-04-18 1996-04-18
US60/015,819 1996-04-18

Publications (2)

Publication Number Publication Date
WO1997041498A2 WO1997041498A2 (en) 1997-11-06
WO1997041498A3 true WO1997041498A3 (en) 1998-04-30

Family

ID=21773810

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/006245 WO1997041498A2 (en) 1996-04-18 1997-04-18 An improved method and system for performing banking transactions, including home banking

Country Status (3)

Country Link
EP (1) EP0894315A2 (en)
AU (1) AU2669897A (en)
WO (1) WO1997041498A2 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9129279B1 (en) 1996-10-30 2015-09-08 Citicorp Credit Services, Inc. (Usa) Delivering financial services to remote devices

Families Citing this family (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5867153A (en) 1996-10-30 1999-02-02 Transaction Technology, Inc. Method and system for automatically harmonizing access to a software application program via different access devices
US7668781B2 (en) 1996-10-31 2010-02-23 Citicorp Development Center, Inc. Global method and system for providing enhanced transactional functionality through a customer terminal
US6539361B1 (en) * 1996-11-27 2003-03-25 Die{grave over (b)}old, Incorporated Automated banking machine system using plural communication formats
US6334117B1 (en) * 1996-11-27 2001-12-25 Diebold, Incorporated Automated banking machine and system
US7624050B1 (en) * 1996-11-27 2009-11-24 Diebold, Incorporated Automated banking machine apparatus and system
US6760414B1 (en) * 1997-12-10 2004-07-06 Keycorp Personal computer banking system and method
WO1999046711A1 (en) * 1998-03-13 1999-09-16 Aspen Technology, Inc. Computer method and apparatus for automatic execution of software applications
EP1030276A3 (en) * 1998-05-27 2004-06-30 Diebold, Incorporated Using server ATM to present device status messages and accessing/operating devices for service activity with browser interface
EP0961248A3 (en) * 1998-05-27 2004-06-30 Diebold, Incorporated Automated banking terminal with security features such as for example signed applets
EP1030277A3 (en) * 1998-05-27 2004-06-23 Diebold, Incorporated Legacy interface for communication with existing host systems (including passing object features)
EP1030495B1 (en) * 1998-05-27 2008-09-10 Diebold, Incorporated Pre-navigate bean (including testing for download speed in determining whether to access HTTP records)
DE69939634D1 (en) * 1998-05-27 2008-11-13 Diebold Inc Automatic cash machine with access to data based on user input including biometric user identification and production of predetermined image ads based on user identity (profile bean)
DE69939668D1 (en) * 1998-05-27 2008-11-20 Diebold Inc A method by which an automatic cash dispenser selectively accesses documents based on the transaction function devices available in the machine
EP0961252A3 (en) * 1998-05-27 2004-06-30 Diebold, Incorporated Automated banking machine with selective accessing of HTML documents and other promotional information during dwell time in the machine transaction sequence
EP1030275A3 (en) * 1998-05-27 2004-06-30 Diebold, Incorporated Terminal configuration methods
EP0961250A3 (en) * 1998-05-27 2004-06-30 Diebold, Incorporated Method of delivering different documents for producing displays at different machines (multilingual, special features, advertising, etc.)
EP0964374A3 (en) * 1998-05-27 2004-06-30 Diebold, Incorporated Transaction data object features including persistence, passing object and using object data for printing
EP1131759A2 (en) * 1998-11-13 2001-09-12 The Chase Manhattan Bank System and method for multicurrency and multibank processing over a non-secure network
EP1049057A3 (en) * 1999-04-26 2004-05-06 Citishare Corporation Method and system for tunneling messages through routing and settlement systems of a financial institution
DE19922836C2 (en) * 1999-05-19 2002-08-01 Me Technology Europ Gmbh Procedure for the function, implementation and self-configuration of a financial transaction interface
JP2003512660A (en) * 1999-10-15 2003-04-02 ス，ウォン−キョ Activity information accounting method and system
EP1148453A3 (en) * 2000-04-19 2004-10-20 Citicorp Development Center, Inc. Global method and system for providing enhanced transactional functionality through a customer terminal
CN1463408A (en) * 2001-05-09 2003-12-24 索尼公司 Deposits and savings display device
RU2256215C2 (en) * 2002-11-20 2005-07-10 Закрытое акционерное общество "МЕРА ПЛЮС" Automated system for displaying information concerning debts and payments of services consumers
US20150026059A1 (en) * 2013-07-19 2015-01-22 Sable and Wolf Limited Money Lending Via A Mobile Device

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5025373A (en) * 1988-06-30 1991-06-18 Jml Communications, Inc. Portable personal-banking system
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5025373A (en) * 1988-06-30 1991-06-18 Jml Communications, Inc. Portable personal-banking system
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services

Non-Patent Citations (4)

* Cited by examiner, † Cited by third party
Title
BANK MARKETING, Nov. 94, Vol. 26, No. 11, SUBRIZI and FAUST, "The Virtual ATM: Beyond the Current System", pages 17-20. *
BANK TECHNOLOGY NEWS, Vol. 9, No. 4, COHEN JACKIE, "Home Banking Lite", pages 18-21. *
CREDIT UNION MANAGEMENT, October 1995, COURTER EILEEN, "PC Banking: Ready for Takeoff", pages 37-38. *
SANDBERG JARED, American Express Goes On-Line for Card Holders, 30 January 1995, Sec. A, p.3. *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9129279B1 (en) 1996-10-30 2015-09-08 Citicorp Credit Services, Inc. (Usa) Delivering financial services to remote devices

Also Published As

Publication number Publication date
WO1997041498A2 (en) 1997-11-06
EP0894315A2 (en) 1999-02-03
AU2669897A (en) 1997-11-19

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