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.