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    Delivery of financial services to remote devices
    1.
    发明授权
    Delivery of financial services to remote devices 有权
    向远程设备提供金融服务

    公开(公告)号：US07249344B1

    公开(公告)日：2007-07-24

    申请号：US09323210

    申请日：1999-06-01

    申请人： James Zeanah ,  Charles Abbott ,  Nik Boyd ,  Albert Cohen ,  James Cook ,  Michael Grandcolas ,  Sikhun Lan ,  Bonnie Lindsley ,  Grigor Markarian ,  Leslie Moss

    发明人： James Zeanah ,  Charles Abbott ,  Nik Boyd ,  Albert Cohen ,  James Cook ,  Michael Grandcolas ,  Sikhun Lan ,  Bonnie Lindsley ,  Grigor Markarian ,  Leslie Moss

    IPC分类号： G06F9/44

    CPC分类号： G06Q20/30 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/3552 ,  G06Q40/00 ,  G07F19/206

    摘要： A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. 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 reducing the development and maintenance cycle time. The system and method operate in sessions and can 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.

    摘要翻译： 金融机构可以向个人计算机，个人数据助理，屏幕电话，自动取款机，外部服务提供商等多个远程设备提供金融服务，并且向内部向员工终端和各个分支机构提供金融服务。 通过将系统的组件分离成独立的组件，可以在组件级别而不是整个系统级别上开发和测试系统和方法，从而减少开发和维护周期时间。 该系统和方法在会话中进行操作，并且可以使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，交易 执行交易的执行者组件，以及用于将输出格式化给客户的演示管理器组件。

    System and method for delivering financial services
    2.
    发明授权
    System and method for delivering financial services 失效
    提供金融服务的制度和方法

    公开(公告)号：US5933816A

    公开(公告)日：1999-08-03

    申请号：US908413

    申请日：1997-08-07

    申请人： James Zeanah ,  Charles Abbott ,  Nik Boyd ,  Albert Cohen ,  James Cook ,  Michael Grandcolas ,  Sikhun Lan ,  Bonnie Lindsley ,  Grigor Markarian ,  Leslie Moss

    发明人： James Zeanah ,  Charles Abbott ,  Nik Boyd ,  Albert Cohen ,  James Cook ,  Michael Grandcolas ,  Sikhun Lan ,  Bonnie Lindsley ,  Grigor Markarian ,  Leslie Moss

    IPC分类号： G07F19/00 ,  G06Q20/00 ,  G06F17/60

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

    摘要： A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones. In addition to providing services to these remote devices, the system and method provide services to automatic teller machines (ATMs), external service providers, and internally within the financial institution to staff terminals and to the individual branches of the financial institution. The delivery of financial services is not limited to any particular network but rather may be provided through dial-in access, Internet access, on-line service provider access, or other types of delivery networks. The system is comprised of a set of reusable 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. 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 with interface components and support legacy applications with legacy app bridge components.

    摘要翻译： 递送系统和方法允许金融机构向诸如个人计算机，个人数据助理和屏幕电话的多个远程设备提供金融服务。 除了向这些远程设备提供服务之外，系统和方法向自动取款机（ATM），外部服务提供商以及金融机构内部向员工终端和金融机构的各个分支机构提供服务。 金融服务的交付不限于任何特定网络，而是可以通过拨入接入，因特网接入，在线服务提供商接入或其他类型的传送网络来提供。 该系统由一组可复用的全局组件组成，它们是模块化的，并被组织成服务集。 通过将系统的组件分离成独立的组件，可以在组件级别而不是整个系统级别上开发和测试系统和方法，从而大大减少开发和维护周期时间。 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。 该系统和方法为界面组件提供了最先进的界面，并支持旧版应用程序桥接组件。

    Delivering financial services to remote devices
    3.
    发明申请
    Delivering financial services to remote devices 有权
    向远程设备提供金融服务

    公开(公告)号：US20070250808A1

    公开(公告)日：2007-10-25

    申请号：US11812945

    申请日：2007-06-22

    申请人： James Zeanah ,  Charles Abbott ,  Nik Boyd ,  Albert Cohen ,  James Cook ,  Michael Grandcolas ,  Sikun Lan ,  Bonnie Lindsley ,  Grigor Markarian ,  Leslie Moss

    发明人： James Zeanah ,  Charles Abbott ,  Nik Boyd ,  Albert Cohen ,  James Cook ,  Michael Grandcolas ,  Sikun Lan ,  Bonnie Lindsley ,  Grigor Markarian ,  Leslie Moss

    IPC分类号： G06F9/44

    CPC分类号： G06Q20/30 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/3552 ,  G06Q40/00 ,  G07F19/206

    摘要： A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. 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 reducing the development and maintenance cycle time. The system and method operate in sessions and can 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.

    摘要翻译： 金融机构可以向个人计算机，个人数据助理，屏幕电话，自动取款机，外部服务提供商等多个远程设备提供金融服务，并且向内部向员工终端和各个分支机构提供金融服务。 通过将系统的组件分离成独立的组件，可以在组件级别而不是整个系统级别上开发和测试系统和方法，从而减少开发和维护周期时间。 该系统和方法在会话中进行操作，并且可以使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，交易 执行交易的执行者组件，以及用于将输出格式化给客户的演示管理器组件。

    Method and system for automatically harmonizing access to a software application program via different access devices
    6.
    发明申请
    Method and system for automatically harmonizing access to a software application program via different access devices 有权
    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：US20080005038A1

    公开(公告)日：2008-01-03

    申请号：US11812481

    申请日：2007-06-19

    申请人： Michael Grandcolas ,  Wendell Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa Petach ,  Peter Tompkins

    发明人： Michael Grandcolas ,  Wendell Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa 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。

    Method and system for secure authentication of a user by a host system
    8.
    发明授权
    Method and system for secure authentication of a user by a host system 有权
    由主机系统对用户进行安全认证的方法和系统

    公开(公告)号：US08146141B1

    公开(公告)日：2012-03-27

    申请号：US11014127

    申请日：2004-12-16

    申请人： Michael Grandcolas ,  Marc Guzman ,  Thomas Yee ,  Dilip Parekh ,  Yongqiang Chen

    发明人： Michael Grandcolas ,  Marc Guzman ,  Thomas Yee ,  Dilip Parekh ,  Yongqiang Chen

    IPC分类号： G06F7/04

    CPC分类号： H04L9/3226 ,  H04L9/0825 ,  H04L63/045 ,  H04L63/0853 ,  H04L2209/56

    摘要： A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which during a log on process, an encryption applet and the public key of a public/private key pair of a banking application server, the private key for which is known by a hardware security module (HSM) of the banking application, are downloaded by a user's browser. The applet contains code for generating a DES key and performing DES and PKI encryption. A user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of the application server by the applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.

    摘要翻译： 一种用于安全地登录到银行系统认证服务器的方法和系统，使得用户证书在与登录过程中的系统的交互期间不会出现在清楚中，其中在登录过程中，加密小程序和公钥/私钥对的公钥 的银行应用服务器，其私钥由银行应用的硬件安全模块（HSM）知道，由用户的浏览器下载。 该小程序包含用于生成DES密钥和执行DES和PKI加密的代码。 用户的凭证被DES加密，并且DES密钥在被发送到应用服务器之前由小应用程序使用应用服务器的公钥进行PKI加密。 在应用服务器的HSM内，HSM在认证服务器已知的新DES密钥下对证书进行解密和重新加密，将重新加密的证书转发给认证服务器，并使用认证已知的新DES密钥进行解密 服务器，并由验证服务器验证。

    Methods and Systems for Secure Authentication of a User by a Host System
    9.
    发明申请
    Methods and Systems for Secure Authentication of a User by a Host System 有权
    用于主机系统安全认证用户的方法和系统

    公开(公告)号：US20120072714A1

    公开(公告)日：2012-03-22

    申请号：US13296347

    申请日：2011-11-15

    申请人： Michael Grandcolas ,  Marc Guzman ,  Thomas Yee ,  Dilip Parekh ,  Yonggiang Chen

    发明人： Michael Grandcolas ,  Marc Guzman ,  Thomas Yee ,  Dilip Parekh ,  Yonggiang Chen

    IPC分类号： H04L9/32

    CPC分类号： H04L9/3226 ,  H04L9/0825 ,  H04L63/045 ,  H04L63/0853 ,  H04L2209/56

    摘要： A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.

    摘要翻译： 一种用于安全地登录到银行系统认证服务器的方法和系统，使得用户凭证在与用户凭证被DES加密的系统交互期间不会出现清楚，并且DES密钥是用公钥的PKI加密的 应用服务器由加密小程序发送到应用服务器之前。 在应用服务器的HSM内，HSM在认证服务器已知的新DES密钥下解密并重新加密证书，将重新加密的证书转发给认证服务器，并用认证已知的新DES密钥进行解密 服务器，并由验证服务器验证。