公开(公告)号：EP0984411A3

公开(公告)日：2003-04-02

申请号：EP99202841.5

申请日：1999-09-02

申请人： CITIBANK, N.A.

发明人： Padalino, Ronald ,  Pinnel, Nigel ,  Yu, Wigberto ,  Shinn, Philip C.

IPC分类号： G06F17/60

CPC分类号： G07F7/08 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/305 ,  G06Q20/4037 ,  G06Q40/02

摘要： A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.

公开(公告)号：EP0984411A2

公开(公告)日：2000-03-08

申请号：EP99202841.5

申请日：1999-09-02

申请人： CITIBANK, N.A.

发明人： Padalino, Ronald ,  Pinnel, Nigel ,  Yu, Wigberto ,  Shinn, Philip C.

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

CPC分类号： G07F7/08 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/305 ,  G06Q20/4037 ,  G06Q40/02

摘要： A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.

摘要翻译： 一种方法和用于自动结算和金融交易，：如紧急现金交易的在线记帐系统，提供。 银行客户进入一个外国银行分行，并表示需要紧急现金。 给予客户由客户进行通信的交互式语音应答系统在客户的语言电话。 该系统填补了与客户的家庭银行，批准了请求紧急现金客户。 与语音应答系统，并与发行人沟通的网络自动启动的账户客户的在线记帐的。 因此，网络启动，并且执行获取方和结算方式发行人之间结算。