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。

公开(公告)号：US10013680B1

公开(公告)日：2018-07-03

申请号：US13599229

申请日：2012-08-30

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

发明人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

IPC分类号： G06Q40/00 ,  G06Q20/00

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. The financial institution receives 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 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.

公开(公告)号：US07233925B1

公开(公告)日：2007-06-19

申请号：US09240588

申请日：1999-02-01

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

发明人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

IPC分类号： G06F17/60

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。

公开(公告)号：US06332131B1

公开(公告)日：2001-12-18

申请号：US09136362

申请日：1998-08-19

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

发明人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

IPC分类号： G06F1760

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。

公开(公告)号：US5867153A

公开(公告)日：1999-02-02

申请号：US741121

申请日：1996-10-30

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

发明人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

IPC分类号： G06F13/00 ,  G06F15/00 ,  G06F17/30 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/00 ,  G07F7/00 ,  G07F7/02 ,  G07F17/16 ,  G07F19/00 ,  H04L29/06 ,  H04L29/08

CPC分类号： G07F19/211 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/3821 ,  G06Q20/401 ,  G06Q40/00 ,  G07F17/16 ,  G07F19/20 ,  G07F19/206 ,  G07F7/00 ,  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。

公开(公告)号：US08280810B2

公开(公告)日：2012-10-02

申请号：US13004294

申请日：2011-01-11

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

发明人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. 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的计划，因为现在该机构可以自动将现有的程序服务库存投入到新的访问设备上 - 这些设备在创建程序时可能还没有存在。 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。

公开(公告)号：US07908222B2

公开(公告)日：2011-03-15

申请号：US11812481

申请日：2007-06-19

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

发明人： Michael L. Grandcolas ,  Wendell W. Anthony ,  Patrick Law ,  Leslie Moss ,  Teresa A. Petach ,  Peter Tompkins

IPC分类号： G06Q20/00

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。

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。

公开(公告)号：US08543982B2

公开(公告)日：2013-09-24

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 ,  G06Q40/00

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.

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。