公开(公告)号：EP0958544A4

公开(公告)日：2005-04-13

申请号：EP98908450

申请日：1998-02-04

申请人： CITICORP DEV CT INC

发明人： JENNINGS HORTON ,  PINNELL NIGEL ,  DO KHANH ,  SHAH VIRENDRAKUMAR ,  PROFUMO MARJORIE ,  DOWNING JOHN ,  GOODHAND NEIL ,  MAINO MARION ,  THOMPSON MICHAEL H

IPC分类号： G07F19/00 ,  G06Q20/00 ,  G06Q40/00 ,  G07F7/10 ,  G06F17/60

CPC分类号： G06Q40/02 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/341 ,  G06Q20/381 ,  G07F7/0886 ,  G07F7/1008

摘要： A system (20) and method for allowing funds to be transferred instantly to an account so that the funds are available to the beneficiary at the time they are sent, based on customer information which can be automatically accessed by the system (30), rather than needing to be manually entered. Further, the system (22) automatically computes the appropriate exchange rate and any fees to be charged to the account and displays them to the user so that the user may authorize or cancel the transaction. The system also enables the user to quantify the amount to be transferred in the currency of the originating account or the currency of the receiving account, thereby maximizing the flexibility of the system (20). Further, the system (22) is provided with various safeguards to assure that only authorized individuals have access to the accounts and the funds are immediately verifies successful completion or failure to the customer.

公开(公告)号：EP0993645A4

公开(公告)日：2004-11-17

申请号：EP98932992

申请日：1998-07-02

申请人： CITICORP DEV CT

发明人： HOROWITZ EDWARD ,  KAWAN JOSEPH C ,  LICHSTEIN HENRY

IPC分类号： G06Q20/00 ,  G06Q20/04 ,  G06Q20/26 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G07F7/02 ,  G07F7/08 ,  G07F7/10 ,  G06K1/18

CPC分类号： G07F7/1008 ,  G06Q20/04 ,  G06Q20/26 ,  G06Q20/341 ,  G06Q20/3437 ,  G06Q20/357 ,  G06Q20/3572 ,  G06Q20/363 ,  G06Q20/382 ,  G06Q20/4037 ,  G07F7/02 ,  G07F7/08 ,  G07F7/0886 ,  G07F11/002

摘要： The present invention discloses a system and method enabling value stored in an advanced technology memory on a transaction card (32) to be utilized in a magnetic stripe (42) transaction with the card. The invention provides a special transaction number (10) that is encrypted and recorded on the magnetic stripe of the card (42). The special transaction number may comprise the value to be transferred or transaction amount, a personal identification number (PIN), as well as other pertinent information. The special transaction number may be recorded in a discretionary data field (12), non-discretionary data field, or in a combination of both. Further, an indicator character may also be recorded on the magnetic stripe to alert a host system of a financial institution of the existence of the special transaction number. The present invention provides a number of techniques for encrypting the special transaction number. These techniques comprise using the security of the advanced technology memory, such as an integrated circuit memory, an optical memory and a thin film semi-conductor memory, to provide a public key/private key system and a synchronized clock system. Additionally, the special transaction number may be provided in an industry standard format, or in additional formats including binary and hexadecimal codes. Thus, the special transaction number is read during a magnetic stripe transaction and the value represented by the special transaction number may be utilized to perform the transaction.

公开(公告)号：EP1008074A4

公开(公告)日：2002-08-28

申请号：EP97949735

申请日：1997-12-11

申请人： CITICORP DEV CT INC

发明人： DO CUONG ,  MERMAN MICHAEL

IPC分类号： G07D9/00 ,  G07F9/02 ,  G07F19/00 ,  G09B21/00 ,  G06F17/60 ,  G06F3/033

CPC分类号： G07F19/20 ,  G06Q20/1085 ,  G07F9/02 ,  G07F19/201 ,  G07F19/205 ,  G09B21/006 ,  G09B21/008

摘要： An automatic bank teller machine (ATM) (1) that uses a combination of simple visual cues, large-type visual displays, audio (10a, 10b, 14), and a touch-sensitive display screen (10) to facilitate use of the ATM by the blind and visually impaired, while still being useful for the sighted. In particular, the ATM uses a touch-sensitive display screen (10) that has a fixed, easy to locate touch scanning zone. The display screen operates by contacting the screen, with a fingertip, for example, and slidingly moving to a location on the touch scanning zone corresponding to an item to be input, such as one of the numbers 0 to 9, for example.

摘要翻译： 使用简单的视觉提示，大型视觉显示器，音频（10a，10b，14）和触敏显示屏（10）的组合的自动银行柜员机（ATM）（1） 由盲人和视障人士提供的ATM，同时对视力仍然有用。 具体而言，ATM使用具有固定的，易于定位的触摸扫描区的触敏显示屏（10）。 例如，显示屏幕通过使屏幕与指尖接触来操作，并且例如滑动地移动到与要输入的项目（例如数字0至9中的一个）相对应的触摸扫描区域上的位置。

公开(公告)号：EP1002290A4

公开(公告)日：2005-04-13

申请号：EP98939864

申请日：1998-08-04

申请人： CITICORP DEV CT INC

发明人： COUTINHO SYLVIA BRASIL ,  OISHI EUGENE SUSUMU ,  KHAN MOHAMMED AFZAL ,  HA NHUT TRUNG

IPC分类号： G06Q40/00 ,  G07F19/00 ,  G06F17/60

CPC分类号： G07F19/201 ,  G06Q40/02

摘要： This invention generally relates to a banking facility layout, and method and system for handling customer banking functions using a customer pod (241) having telecommunication links (38) to a remote banking representative (35). The invention includes features for completing banking functions on an extended hours basis using a remote banking representative (35); these banking functions include such services as completing forms, opening accounts, viewing videos, obtaining information and demonstrations about products, and accessing a network, such as the Internet. The invention also includes a system for organizing a facility layout for performing these remote services, communications functions, and other banking functions.

公开(公告)号：EP1010113A4

公开(公告)日：2005-03-02

申请号：EP97913679

申请日：1997-10-31

申请人： CITICORP DEV CT INC

发明人： ZEANAH JAMES ,  ABBOTT CHARLES ,  BOYD NIK ,  COHEN ALBERT ,  COOK JAMES ,  GRANDCOLAS MICHAEL ,  LAN SIKUN ,  LINDSLEY BONNIE ,  MARKARIAN GRIGOR ,  MOSS LESLIE

IPC分类号： G07F19/00 ,  G06Q20/00 ,  G06F9/44

CPC分类号： G06Q20/18 ,  G06Q20/00 ,  G06Q40/00 ,  G07F19/201 ,  G07F19/211

摘要： A delivery system (12) and method allows a financial institution to provide financial services to a plurality of remote devices (24), such as personal computers (PCs) (18), personal data assistants (PDAs) (20), and screen phone (14). In addition to providing services to these remote devices (24), the system and method provide services to automatic teller machines (ATMs)(16), external service providers (22), and internally within the financial institution to staff terminals (26) and to the individual branches of the financial institution. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby substantially reducing the development and maintenance cycle time.

公开(公告)号：EP1272955A4

公开(公告)日：2004-07-21

申请号：EP01912682

申请日：2001-02-01

申请人： CITICORP DEV CT INC

发明人： TOMPKINS PETER

IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06Q40/00 ,  H04N7/16 ,  H04N7/173 ,  H04N21/2543 ,  H04N21/258 ,  H04N21/4185 ,  H04N21/435 ,  H04N21/462 ,  H04N21/478 ,  H04N21/4782 ,  H04N21/61 ,  H04N21/81 ,  H04N21/8543 ,  G06F17/60

CPC分类号： G06Q20/3223 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/12 ,  G06Q20/14 ,  G06Q20/32 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q40/02 ,  G06Q40/08 ,  H04N7/17318 ,  H04N21/2543 ,  H04N21/25875 ,  H04N21/4185 ,  H04N21/4355 ,  H04N21/4622 ,  H04N21/47805 ,  H04N21/47815 ,  H04N21/4782 ,  H04N21/6181 ,  H04N21/812 ,  H04N21/8543

摘要： The method and system of the present invention allow for the integration of different electronic commerce ('e-commerce') and electronic banking ('e-banking') technologies to advantageously provide an increased level of services to banking customers including consumers and merchants. A particular feature of the present invention is the integration of a television interface (2) with e-commerce, home banking (12) and credit/debit card processing services (10) and internet technologies (20) to provide a single conduit for merchants (30) and consumers to financial services networks.

公开(公告)号：EP0960499A4

公开(公告)日：2001-01-10

申请号：EP98904857

申请日：1998-02-12

申请人： CITICORP DEV CT INC

发明人： DOWNING JOHN ,  HERNANDEZ WILLIAM M ,  HOOPER WILLIAM D ,  MEIROFF NETTY ,  RAO JAITHIRTH ,  REEF RODMAN ,  SCHECHTMAN HOWARD A ,  HOROWITZ EDWARD

IPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/00 ,  G07F19/00 ,  H04L9/00 ,  G07F7/10

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q40/00 ,  G07F19/20

摘要： The Customer Activated Terminal (6) includes a dip-type magnetic card reader (64), a depository (68) for accepting deposit and payment envelopes, a cash dispensing mechanism (66), a printer (69), and a dynamic touch screen (62) that utilizes color graphics. The Customer Activated Terminal (6) further includes a microcontroller (63) and a communication device (65) for communicating with a front end host system (18). The password is encrypted locally in the encryption device (67) before being transmitted to the front end host system (18).