CN1222241A - Automated multilingual interactive system and method to perform financial transactions - Google Patents

Abstract

A system and method for allowing telephone-based interactive performance of financial transactions in multiple languages. The system (20) prompts the customer (16) of a financial institution in various languages until the customer's language and home country are identified. The system (20) then connects the customer (16) telephonically with a representative (22) who speaks the customer's language and who can authorize the transaction by accessing the customer's records. Authorization by the local representative (12) and record keeping are also provided.

Description

Finish multilingual, the automatic interaction system of financial transaction and method about the announcement of copyrighted data is arranged in the disclosure

A part of content of this patent file has comprised data protected by copyright.When patent document or patent disclosure any appeared in the patent file of patent and trademark office or the record, the copyright owner was to having no objection with the above-mentioned data of facsimile copy, still, in any case, all will keep its all copyright.The mutual reference of related application

Can be with reference to following three applications of awaiting the reply jointly, its content is included in this by reference: the 08/473rd of submission on June 7 nineteen ninety-five, No. 975 applications, denomination of invention is " the comprehensive full-service customer bank system and the system and method for opening an account ", lawyer's file number is 107045.003; The 08/483rd, No. 710 application of submitting to June 7 nineteen ninety-five, denomination of invention is " method and system of comprehensive brokerage and other financial business is provided by the user activated terminal ", lawyer's file number is 107045.004; And the 08/505th, No. 886 application of submission on July 24 nineteen ninety-five, denomination of invention is " the account funds automatic transfer system that a kind of client of being subjected to controls ", lawyer's file number is 107045.019.

Invention field

The present invention relates to a kind of interactive system based on phone, it can carry out financial transaction with multilingual.For example, the present invention relates to a kind of system and method for robotization, it can make the client carry out financial transaction with this language in the subbranch of bank of talkative its a used language of nobody.

Background of invention

Along with the competition of financial institution forms global layout, and growth along with the international tourism, the bank that is built up in many countries all produces " language barrier " problem with the client more and more, these clients wish to carry out financial transaction in certain subbranch of bank at whilst on tour, and the office worker of this subbranch can not say the language that the client says.

For example, the representative of a local subbranch may he or she have lost atm card this client from another national client in its of subbranch's reception, and perhaps because of some reason, this client's card can not be used, and other problem etc. is perhaps arranged.Unfortunately, owing in the country variant may there not be directly or AutoLink the computer system of different subbranches, so the representative of local subbranch can not obtain any relevant this client's record from the computing machine of subbranch.Therefore, the representative of local subbranch just can not be with the account of machine system of company access customer.In addition, subbranch represents even can not talk with the client.And if the client needs cash badly, and because of not obtaining from the subbranch of customer bank, can make client's disppointment, cause problem to worsen.Along with bank competes on world level, provide the professional ability of the used extensive languages of travelling client to become more and more important.

At present, the representative of local subbranch will be changed many times and solves a problem.Well-trained office worker is very expensive, and is difficult to by hand program and carries out.Also have, sometimes because the solution of problem need be made repeatedly international long-distance and fax, so the change expense of communication transaction is very high.At last, owing to relate to the client that the client of this problem is not the representative of local subbranch, the representative of local subbranch can not obtain income because of having solved this problem.

Manual program comprises that one has the personnel of various language skills and the inventory of telephone number thereof at present.If the representative of local subbranch can not be understood the client and want what is expressed, the conjecture client says subbranch's representative earlier is which kind of language so, looks into the rope resource inventory, whom finds out can say this kind language, gets in touch with this locality translation as early as possible then.

Then, subbranch's representative effort and client's domestic bank gets in touch.But may the there no one can say the language that local subbranch represents.For example, if the local bank in the U.S., and the client is the Japanese, problem is so, whether the someone can say Japanese in this U.S. local bank.In addition, if a German tourist has problem, the tame Japanese subbranch that gone forward side by side, this transaction is to solve in English usually, but has just not too made things convenient for for the representative of the Japanese subbranch in this locality, client or subbranch of German domestic bank.

From client's angle, if can not solve client's problem, let matters aside, the client can think that bank is empty to the promise of global bank service so.In addition, in case of emergency, whether the client wins the confidence in member system subbranch, is the very big effort that subbranch self bears, thereby certainly will increase client's dissatisfaction.

In addition,, this concentrates reservation, so disperse subbranch to be difficult to obtain reimbursemen from client's domestic bank because being a manual process and record.The record of unique existence is a facsimile message back and forth, if just in case lose a facsimile message, just there has not been the clue of auditing.

Last complicated factor of manual problem is a rate of foreign exchange.For the multinational bank based on the U.S., present method requires representative of subbranch of domestic bank and the office worker of local bank subbranch to carry out hand computation, at first from the currency that disperses subbranch to dollar, then from the currency of subbranch of domestic bank to dollar.During this working expenditure, and can make mistakes.

Summary of the invention

The objective of the invention is to overcome above-mentioned defective with a kind of system and method for robotization, this system and method helps the translation between the client traffic representative of the representative of local subbranch, client and client domestic bank.Can make subbranch's representative finish financial transaction according to system of the present invention by a phone.

The present invention helps the bank client that takes a trip around the world.It is a kind of instrument that reduces language barrier, and its method provides multilingual VAB voice answer back, makes professional more convenient between client and office worker.In addition, the application begins to make the transaction robotization of present manual process and fallibility.

The present invention includes the mutual VAB voice answer backs of central authorities (IVR) computer system, as long as have a touch-tone telephone and corresponding fetcher code just can call out and use this system.This system can when being necessary, determine keeping the account's of its domestic bank country by the used language of a series of prompting identification client.Then, this system provides a traffic table to the client, and customer requirement is translated to local office worker, whenever necessary, the client is communicated with its domestic bank, and information service that note or " fax is beamed back " perhaps is provided.

Subbranch's representative starts this system by a phone, imports his or her password then.According to password, the representative of system verification subbranch, and the name of identification subbranch representative from a database, used languages, country and currency, and fax and telephone number.Then, how the system prompt representative identifies to the client.Then, the representative of system requirements subbranch is given the client phone.

Then, system is with various verbal cue clients.The client has determined the used languages of client to replying of prompting, then can determine the location of client domestic bank to the answer of other prompting.Then, a phone is hung to the client traffic representative of this domestic bank by system, and this representative can be carried out the visit of cashier's type to bank account in the customer's country, and can say client's language.System also discerns the currency of subbranch of domestic bank and the suitable exchange rate.

Then, system makes two phones " bridge joint " the client traffic representative directly converse with the client.Then, the client traffic representative is by some personal informations of query user, with identification and checking client.System request business agent, whether he ratifies client's financial transaction request, such as urgent extraction cash.

Carry out urgent cash withdrawal if the customer representative authorizes, system will inquire and use which kind of currency and cash amount so.Then, system represents used language requirement with local subbranch he or she also agrees this extraction.Subbranch's representative is also had the right and the customer representative converses.

For example, if subbranch's representative and customer representative agree to carry out urgent cash withdrawal transaction, cash will be paid the client so.The facsimile record that portion is confirmed sends to local subbranch and customer representative, and a weekly return is sent to the bank that all relate to, and has summarized transaction all between client and the bank.In addition, also to upgrade relevant database.

System also will be designed to, and not have the client of technical skill and subbranch's representative to visit to computing machine and so on instrument.

In addition, system is designed to, can visits with the push-button telephone of a standard.

Also have, this system is provided with various safety practices, to guarantee the having only donor could visit Financial Information and the transaction that is comprised.

Summary of drawings

Fig. 1 is an overall block-diagram, shows the integrated component and the communication link of financial transaction disposal system of the present invention.

Fig. 2 is a bar chart, shows communicating to connect in the financial transaction processing procedure.

Fig. 3 is the processing flow chart of financial transaction application program, and it comprises the registration of local subbranch's representative (LBR) to system, and identifying.

Fig. 4 shows the checking to the client identity proof.

Fig. 5 shows client's reciprocation, used languages and the domestic bank of identification client.

Fig. 6 shows domestic bank's checking.

Fig. 7 shows the calling procedure to the client traffic representative (CSR) of domestic bank, and system is to the identifying of CSR.

Fig. 8 shows CSR and selects to agree to authorize urgent cash withdrawal.

Fig. 9 shows CSR and client's communication process, CSR checking client identity and bank account, and CSR initially agrees or vetos urgent cash withdrawal.

Figure 10 is the continuation of Fig. 9 process.

Figure 11 shows the Customer ID checking.

Figure 12 shows the processing of CSR rejection.

Figure 13 shows the selection of CSR to currency, with the basis as the cash allowance.

Figure 14 shows the input of cash allowance, the calculating of the exchange rate, transaction summary, and to checking or restart process of exchange optional.

Figure 15 shows the customer notification of CSR transaction decision.

Figure 16 shows the summary of LBR, transaction verification, transaction identification, and fax notice.

Figure 17 shows between LBR and CSR to the contact that transaction is set up is discussed.

Figure 18 is the continuation of Figure 15 and transaction discussion process.

Figure 19 shows and is being choosing wantonly that the urgent money transaction of further processing is done with LBR conversation back CSR.

Figure 20 is that notice LBR has detected the process flow diagram that connects fault during handling.

Figure 21 detects the overtime and last process flow diagram that is connected.

Figure 22 is a process flow diagram of determining that financial transaction finishes.

Figure 23 is a process flow diagram of hanging up event handling.

Figure 24 is the form of subbranch's database, is used for subbranch's locating information such as inquiry such as country, telephone number, address, institute's language of saying and used currency.

Figure 25 is the form of domestic bank's telephone contact center database, is used for domestic bank's centralized positioning information such as inquiry such as country, telephone number, address, institute's language of saying and used currency.

Figure 26 is commercial form, and it is that the transaction summary report generates the used commercial fax number and the source of out of Memory.

Figure 27 is the form of transaction log database, and details are followed the tracks of in whole financial transactions of being finished.

Figure 28 be transaction summary show the sample reporting format, weekly by in conjunction with generating this report, and summarized urgent money transaction activity that each commercial affairs point is handled from the information of commerce database with from the information of transaction log database.

The affirmation facsimile format that Figure 29 sends to the representative of local subbranch shows sample, comprises title, example and Database field source.

The affirmation facsimile format that Figure 30 sends to domestic bank's client traffic representative shows sample, comprises title, example and Database field source.

Figure 31 shows sample by the financial transaction application program affirmation facsimile format that keeps of noting down, and comprises title, example and Database field source.

Figure 32 is the form of fax log tracks database.

Figure 33 is the currency dealing exchange rate spreadsheet form of inquiry to dollar.

Figure 34 is the spreadsheet format of the currency exchange rate of each dispersion currency of inquiry.

Figure 35 is the spreadsheet format of the currency exchange rate of each domestic bank's currency of inquiry.

The detailed description of preferred embodiment

Fig. 1 is a block diagram, shows the overview according to system 10 of the present invention generally.Local representative (LBR) 12 of subbranch of local subbranch 14 received a client 16 from non-local subbranch 14, and local subbranch represents 12 to squeeze into a phone, makes system's 10 initialization.Client 16 has a finance request, such as urgent extraction cash, but since client and subbranch's representative do not say with a kind of language, so client 16 can not with represent 12 to carry out world-of-mouth communication.Represent 12 18 pairs of financial transaction disposal systems of voiceband telephone, 20 callings by local subbranch 14.There is an interactive voice response application program based on phone in system 20, and it provides the multilingual translation of seeking help, and reflection client's finance request is such as urgent extraction cash.Then, as the response to this calling, system 20 handles and represent replying of 12 pairs of promptings, represents 12 the identity and the location of local subbranch 14 to verify.Then, system 20 requires to represent 12 to give client 16 with phone 18.

Then, client 16 is by phone 18 and system's 20 conversations.By the answer of 16 pairs of promptings of client, his language of being said of system identification.Equally, also discern domestic bank's location (not shown) of client and represent the corresponding client traffic in location 24 to represent 22 at client's domestic banking.Owing to represent 22 to be under the jurisdiction of domestic subbranch of the client 16, thus represent 22 and client 16 say with a kind of language.In addition, represent 22 can carry out the visit of cashier's type to client 16 account by the banking network terminal 23 that articulates with bank finance system (not shown).Then, system 20 is by phone 26 and represent 22 to get in touch, and verifies its identity by the answer of representing 22 pairs of promptings.Then, system 20 arrange represent 22 and client's 16 direct-dial telephones get in touch.At session, represent 22 identity by inquiry personal information (for example, the name that mother is pre-marital, SSN (social security number) etc.) checking client 16.In case client 16 is confirmed, represent 22 will find out the financial transaction which kind of type client 16 needs.Then, represent 22 kind reporting systems 20 with required financial transaction.

Then, system's 20 inquiries represent 22, according to client 16 phone information and account's situation of client 16, represent 22 whether to authorize the financial transaction of being asked, such as the trading volume of urgent extraction cash.For generating this inquiry, system 20 can visit exchange rate database 28.If represent 22 authoring systems 20 to carry out urgent money transaction, system 20 points out successively and represents 12 so, represents 12 agreement to solicit.If represent 12 also to agree this financial transaction such as urgent money transaction, (1) local subbranch 14 pays client 16 cash so; (2) system 20 is recorded in Transaction Information in the transaction log database 36; (3) system 20 will mail to the trade confirmation fax with whole relevant informations the facsimile recorder 38 and the facsimile recorder 40 of representing location 24 in local subbranch location 14, and upgrade fax log database 42; And (4) system 20 will be periodically (for example weekly) produces a transaction report summaries 44.In this way, authorizes financial transactions, and keep suitable record.

Fig. 2 has described more specifically that system processor 20 and local subbranch represent 12, client 16 and represent interface between 22.

As shown in Figure 2, system finishes following steps:

1. subbranch represents 12-system processor 20

-processor 20 represents 12 to give one's regards to subbranch, and sign of (using multilingual, for example English, Spanish, French, Japanese) prompting input.

-subbranch represents the sign of ten characters of 12 inputs and connects a star key.This sign comprises: the national code of 3 characters before this, then subbranch's sign indicating number of 5 characters, the then PIN (Personal Identification Number) of 2 characters again.

-system processor 20 checking national code and subbranch's sign indicating numbers, and switch to subbranch according to the national code of input and represent 12 language of saying.

-system processor 20 puts question to whether the client has submitted effective proof of identification (passport or other photo).

-at this moment, represent 12 also to have an opportunity, query user 16 proof of identification (if does not do the front).

-subbranch represents 12 to give client 16 with phone 18, and when client 16 is ready to by 1.

2. client 16-system processor 20

-client 16 selects a kind of language that will say from " menu " of system processor 20.

-client 16 shows the location of its " domestic " bank by talking with processor 20.

-processor 20 allows client 16 wait for and answers a call.

3. processor 20-business agent 22

-processor 20 makes a phone call for " domestic " business agent 22 of client.

-processor 20 is to representing 22 to give one's regards.

-requiring to represent the sign of 22 defeated 2 characters, processor 20 deposits it in MIS (information management system).

-processor 20 is to representing 22 to explain client's situation (comprising whether he has submitted proof of identification/passport information).

-according to request, processor 20 is to representing 22 rate of foreign exchange information (the ICC exchange rate) is provided.This information is to retrieve in the table on exchange rates 28 of processor 20 from be stored in processor 20.

-processor 20 indication customer representatives 22 and client's 16 conversations.

-processor 20 tell represent 22 how with client's end-of-dialogue after reconnect processor 20.

4. client 16-represents 22

-processor 20 " bridge joint " represents 22 and client 16

-represent 22 to client's 16 regards, and offer help.

-for example, represent 22 to the urgent process of extracting cash of client's 16 explanations.

-represent the suitable program of 22 utilizations that client 16 is differentiated.

-represent 22 and client 16 determine to pay client 16 amount of cash.And determine it is, or with the monetary payoff of local subbranch 14 with client's " domestic " currency.

-to represent 22 amount of money of telling client 16 to deduct from its account be exactly the amount of money that local subbranch 14 will pay him.

-represent 22 to tell client 16 that he will wait for while answering a call.

5. represent 22-processor 20

-represent 22 to point out that this transaction is ready, issued for approval to processor 20.

-represent 22 input customer account number, and the dealing money of pressing " domestic " currency or local subbranch 14 currency.

-processor 20 calculates the amount of money of wanting exchange, and with " domestic " currency, local subbranch 14 currency and of equal value dollar of repetition are concluded the business.

-processor 20 is named represents 22 waits while answering a call.

6. processor 20-client 16

-processor 20 indication clients 16 return phone 18 and represent 12.

7. processor 20-subbranch represents 12

-processor 20 is putd question to and " if you are subbranch's representative, then, is pressed 1.”

-processor 20 tells subbranch to represent 12 the details of transaction.

-processor 20 asks that subbranch represents 12 " if you want the transaction of the request of finishing, then, to press 1.”。If problem is arranged, subbranch's representative also can be selected to reclose to represent 22.

8. processor 20-subbranch represents 12/ processor 20-customer representative 22

If-transaction obtains confirming, so processor 20 also want subbranch represent 12 and 22 liang of people of customer representative all confirm this transaction.

-processor 20 is also notified two representatives, confirms that fax will be sent to each subbranch location.

-processor 20 is hung up all phones.

9. processor 20-facsimile recorder 38/ processor 20-facsimile recorder 40

-processor 20 is confirmed trade detail by sending a fax for local subbranch facsimile recorder 38 and customer representative's facsimile recorder 40.Also to upgrade Relational database.Can also additional report be sent to local state call center by fax.In addition, can make week report, help with the reservation of record form and suitably check out for local and domestic business manager.In addition, make one " subpoena (transaction ticket) " for each transaction and by facsimile transmission.Every subpoena comprises relevant to transaction account number, an information such as line identifier, monetary exchange rate and dealing money.

Square frame 102 among Fig. 3 begins to illustrate the flow process of the urgent money transaction process of being finished by financial transaction disposal system (Fig. 1).At this moment, voice prompt and replying the application program free time is waited for incoming call (square frame 106).

Local subbranch's representative (LBR 12) makes one (square frame 108) for system processor 20 with a client who needs cash badly 16.In case system processor 20 answering calls are then pointed out LBR 12 input identification passwords (square frame 110).

If take place when waiting for the sign input overtime (the "Yes" branch of square frame 112), then system will determine whether existing three bad identifyings (square frame 114).If the counting of bad identifying does not have 3 (the "No" branches of square frame 114) of surpassing, then point out LBR 12 input identification passwords (square frame 110) once more.If run into 3 bad identifyings (the "Yes" branch of square frame 114), then system will write down a mistake (square frame 120), the prompting LBR12 mistake has appearred, and indicate they by hand program provide urgent cash (square frame 122) to client 16.At this moment system processor 20 will be hung up all connections and reset (square frame 132), be back to square frame 102 then, and restart its process (square frame 134).

If do not detect overtime (the "No" branch of square frame 112), then verify the sign (square frame 116) of input.If identify invalid (the "No" branch of square frame 116), then write down bad sign wrong (square frame 118).System changes square frame 114 over to, will handle this mistake as mentioned above.

If sign is effective (the "Yes" branch of square frame 116), then verify the language part (square frame 124) of national code and sign.If national code and language checking are then write down bad national code mistake (square frame 126) not to (the "No" branch of square frame 124).This moment, square frame 114 was got back to by system, handled this mistake as mentioned above.When authenticating to effective national code (the "Yes" branch of square frame 124), 20 of system processors point out the language of LBR 12 to be arranged to the language (square frame 128) that is complementary with national code.

Now system processor 20 utilizes that national code inquiry LBR's 12 pay currency (square frame 130).This inquiry is carried out in subbranch's database file 30; Figure 24 shows the storage format of this document.All other subbranch's identifying informations are also retrieved from this document.Currency (square frame 138) is paid in checking then.If can not get checking (the "No" branch of square frame 138), write down the bad currency mistake (square frame 140) of paying so.Get back to square frame 114, system will handle this mistake as mentioned above.Be verified (the "Yes" branch of square frame 138) if pay currency, then the exchange rate (square frame 136) of currency to dollar paid in inquiry.Can find the exchange rate from the table that exchange rate database 28 is safeguarded, Figure 33,34 and 35 shows the spreadsheet format of exchange rate database.

Then, verify this exchange rate (square frame 142).If the exchange rate does not have checking (the "No" branch of square frame 142), then writing down does not have exchange rate mistake on (square frame 146).Then, the prompting LBR 12 by hand program provide urgent cash (square frame 148) to client 16.Equally, system processor 20 will be hung up all connections and reset (square frame 132), return square frame 102 then and restart its process (square frame 134).

If the exchange rate is effective (the "Yes" branch of square frame 142), then inquire LBR whether 12 clients 16 have shown proof of identification (square frame 152 of Fig. 4) to them.Then, three kinds of selections can be arranged,,, select to need the longer time to want proof of identification to the client by 3 by 2 selection "No" by 1 selection "Yes".If overtime (the "Yes" branch of square frame 154) taken place when awaiting acknowledgement.Test repeats to put question to number of times (square frame 156) so.If also do not reach three times (the "No" branch of square frame 156), then inquire again once (square frame 152), after three times (the "Yes" branch of square frame 156), write down and do not reply mistake (square frame 158).System processor 20 will be hung up all connections and reset (square frame 194) this moment, return square frame 102 and restart its process (square frame 196).If overtime (the "No" branch of square frame 154) do not take place, and import an invalid answer (square frame 162,170 and 178 "No" branch), then process will change square frame 156 over to and repeat above-mentioned prompting number of times test.

When replying of square frame 152 is 3 (the "Yes" branch of square frame 162), point out following option:, need more time (square frame 164) by 2 by 1 continuation to LBR 12.If overtime (the "Yes" branch of square frame 166) taken place when wait acknowledge, then test prompts number of times (square frame 174) if do not reach (the "No" branch of square frame 174) three times, is then reresented (square frame 164).After three follow-up prompts (the "Yes" branch of square frame 174), make mistakes to LBR 12 circular, indicate he by hand program urgent cash (square frame 182) is provided, and write down and do not reply mistake (square frame 184).Then, system processor 20 will be hung up all connections and reset (square frame 194), return square frame 102 then and restart its process (square frame 196).Imported invalid response (square frame 168 and 176 "No" branch) if overtime (the "No" branch of square frame 166) do not take place, process will change square frame 174 over to so, test the follow-up prompts number of times as mentioned above.If pressed 2 (the "Yes" branches of square frame 176) during square frame 164 in response, then reset the time-out count (square frame 188) of square frame 164, and prompt options (square frame 164) once more.If pressed 1 (the "Yes" branch of square frame 168), pointed out the client 16 proof of identification problems so once more.

(the "Yes" branch of square frame 170) is provided with system sign when the answer to square frame 152 is 2, do not show proof of identification (square frame 172) so that write down client 16.If pressed 1 (the "Yes" branch of square frame 178), system sign will be write down the client and show proof of identification (square frame 180) so.

Now system will point out LBR 12 to pass client 16 with phone, and when the client can continue by 1 (square frame 200 of Fig. 5).If overtime (the "Yes" branch of square frame 204) taken place, then tested follow-up prompts number of times (square frame 202).If do not reach three times (the "No" branch of square frame 202), then reresent (square frame 200).After three follow-up prompts (the "Yes" branch of square frame 202), system processor 20 will be hung up all connections and reset (square frame 242), return square frame 102 then and restart its process (square frame 244).If overtime (the "No" branch of square frame 204) do not take place but by 1 (the "No" branch of square frame 206), then process will change square frame 202 over to and test the number of times of follow-up prompts as mentioned above.

When pressing 1 (the "Yes" branch of square frame 206), the speech selection inventories of 16 1 band numberings of prompting client must all be used selecteed language speech, and require client 16 to import the numbering (square frame 208) of its language of saying.If overtime (the "Yes" branch of square frame 212) takes place, then tests follow-up prompts number of times (square frame 220).If do not reach three times (the "No" branch of square frame 220), then reresent (square frame 208).After three follow-up prompts (the "Yes" branch of square frame 220), write down and during speech selection, do not reply mistake (square frame 222) and this signalling trouble client 16 (square frame 224).System processor 20 will be hung up all connections and reset (square frame 242) then, return square frame 102 then and restart its process (square frame 244).If overtime (the "No" branch of square frame 212) do not take place but do not import effective language button (the "No" branch of square frame 214), then process will change square frame 220 over to, and test the follow-up prompts number of times as mentioned above.Obtaining effective language selection back (the "Yes" branch of square frame 214), system sign is set, write down language (square frame 216) with client's talk.

Provide a table of forming by the country one belongs to of domestic bank and location to client 16 then, should show to require client 16 to select domestic bank's (square frame 218) that the account is arranged.If overtime (the "Yes" branch of square frame 226) taken place, then tested follow-up prompts number of times (square frame 228).If do not reach three times (the "No" branch of square frame 228), then reresent (square frame 218).After three follow-up prompts (the "Yes" branch of square frame 228), write down at home and do not reply mistake (square frame 230) during bank's selection.Now, system processor 20 will be hung up all connections and reset (square frame 242), return square frame 102 then and restart its process (square frame 244).If overtime (the "No" branch of square frame 226) do not take place but do not import effective domestic bank button (the "No" branch of square frame 234), then process will change square frame 228 over to, test the follow-up prompts number of times as mentioned above.Obtaining effective domestic bank selection back (the "Yes" branch of square frame 234), system sign then is set, (square frame 236) selected by the domestic bank that writes down the client.

Select inquiry domestic bank's exchange rate (square frame 248 of Fig. 6) with domestic bank.If inquiry failure (the "No" branch of square frame 250), writing down does not so have exchange rate mistake on (square frame 252).System is this error notification client 16 (square frame 254), and changes the public sub-handling procedure of makeing mistakes (square frame 666 of Figure 20) over to.

Be used for notifying LBR 12 to have the public subroutine that connects mistake to point out client 16 to give LBR12 (square frame 666 of Figure 20) at the beginning with phone.And require LBR 12 to receive calls the back by 1 (square frame 668).If overtime (the "Yes" branch of square frame 670) takes place, then tests follow-up prompts number of times (square frame 676).If do not reach 25 times (the "No" branch of square frame 676), then reresent (square frame 668).After 25 follow-up prompts (the "Yes" branch of square frame 678), write down LBR 12 and do not return mistake (square frame 678), at this moment system processor 20 will be hung up all connections and reset (square frame 680), return square frame 102 then and restart its process (square frame 682).If overtime (the "No" branch of square frame 670) do not take place but do not import 1 (the "No" branch of square frame 672), then process will change square frame 676 over to and test the follow-up prompts number of times as mentioned above.By 1 back (the "Yes" branch of square frame 672), notice LBR 12 have connect wrong, and indicate its by hand program urgently needed cash (square frame 674) is provided.Equally, system processor 20 will be hung up all connections and reset (square frame 680), return square frame 102 then and restart its process (square frame 682).

Because square frame 248 successfully inquires the exchange rate (the "Yes" branch of square frame 250), system sign then is set, with the domestic bank location of writing down the client, currency and the client of domestic bank 16 and the used language (square frame 258) of its business agent (CSR 22) of domestic bank.Processor 20 confirms that also the country of domestic bank and the country of local subbranch in fact are different countries.If produce any mistake (the "Yes" branch of square frame 260) during sign is provided with, system will change square frame 254 over to so, and handle this mistake as mentioned above.If do not make a mistake (the "No" branch of square frame 260), inquire about the phone and the fax number (square frame 262) at domestic bank center so.This inquiry is (Figure 25) that the database file 34 to the domestic bank center carries out; Figure 25 shows this document.If phone and fax number do not have checking (the "No" branch of square frame 266), then writing down does not have domestic bank's phone or fax number mistake (square frame 264), and system will change square frame 254 over to and handle this mistake as mentioned above.If number inquiry is successful (the "Yes" branch of square frame 266), point out client 16 to hold phone waits so, phone the CSR 22 (square frame 268) of domestic bank simultaneously.At this moment, client's 16 cell-phones are listened background music (square frame 270).

Now, give the CSR 22 of domestic bank make a phone call (square frame 276 of Fig. 7).If phone does not have to connect (the "No" branch of square frame 278), then do not write down and connect wrong (square frame 280) with domestic bank.Allow the put down the telephone domestic bank of (square frame 314) and announcements of client 16 not have the fault (square frame 316) of connection.Now, process changes public subroutine over to, as mentioned above connecting signalling trouble LBR 12 (square frames 666 of Figure 20).

When connecting phone (the "Yes" branch of square frame 278), earlier to CSR 22 regards (square frame 284) with CSR 22.Then, prompting CSR 22 input identification codes (square frame 286).If overtime (the "Yes" branch of square frame 296) takes place, then tests follow-up prompts number of times (square frame 290).If do not reach 25 times (the "No" branch of square frame 290), then reresent (square frame 286).After 25 follow-up prompts (the "Yes" branch of square frame 290), write down CSR 22 sign inputs and do not reply mistake (square frame 292).Change square frame 314 over to, finish aforesaid error handling processing.If overtime (the "No" branch of square frame 296) do not take place, then verify the identification code (square frame 298) of CSR 22.If identification code invalid (the "No" branch of square frame 298), then test bad identifying number of times (square frame 300).If do not have to surpass 3 times (the "No" branch of square frame 300),, and please heavily import identification code (square frame 286) then sign miscue CSR 22 (square frames 288).If three bad identifyings (the "Yes" branch of square frame 300) have taken place, then write down and imported too many bad CSR 22 identification code mistakes (square frame 302).Then, sign input error prompting CSR 22, and indicate its by hand program urgently needed cash (square frame 304) is provided.Process changes square frame 314 over to and finishes aforesaid error handling processing.

If the identification code of CSR 22 is (the "Yes" branch of square frame 298) effectively, then point out CRS22 relevant urgently needed cash information requested (square frame 308).This information will comprise the identification code of the local subbranch that files a request; Indicate them to converse, can ratify to pay the amount of cash of monetary payoff with domestic bank's currency or local subbranch with the client; And if when disapproving the cash request, through reason being told client 16 etc.

Be set to very (the "Yes" branch of Fig. 8 square frame 322) if show the system sign that the client has shown proof of identification, then point out CSR 22 clients 16 to show proof of identification (square frame 324) to LBR 12.Otherwise (the "No" branch of square frame 322), notice CSR 22 clients do not show proof of identification (square frame 326).

Now, in order to give an order and option is pointed out CSR 22: finish conversation, by 1 with the client; The exchange rate is sought help by 2; Perhaps begin 16 conversations, by 3 (square frames 328) with the client.If overtime (the "Yes" branch of square frame 332) takes place, tests follow-up prompts number of times (square frame 334) so.If do not reach three times (the "No" branch of square frame 334), so follow-up prompts (square frame 328).If do not have overtime and do not have button 1,2 or 3 (square frame 332,336 and 338 "No" branch), process changes square frame 334 over to so, and as mentioned above to test follow-up prompts number of times.If pressed 2 (the "Yes" branches of square frame 336), so exchange is comprised every kind of currency and all currencies conversion exchange rate and all point out CSR 22 (square frame 330).If follow-up prompts three times (the "Yes" branches of square frame 334) or by 1 or 3 (the "Yes" branches of square frame 338), so with CSR 22 and client's 16 links, so that carry out Speech Communication.

Now, do not allow 16 tins of background musics of client (square frame 344 of Fig. 9).Connect (square frame 346) so between CSR 22 and client 16, carry out voiceband telephone.CSR 22 will be by asking that client 16 if in personal question client 16 is discerned, verifies that then client's account balance has enough funds (square frame 348).If overtime (the "Yes" branch of square frame 350) takes place or by effective key (square frame 354 and 360 "No" branch), so with following option prompting CSR 22: if finish to talk with the client, then by 1; The exchange rate is sought help by 2; Perhaps, continue 16 talks (square frame 384 of Figure 10) with the client by 3.If between the presentation period of square frame 384, take place overtime (the "Yes" branch of square frame 386), perhaps, test follow-up prompts number of times (square frame 388) so by effective key (square frame 394,396 and 400 "No" branch).If do not reach five times (the "No" branch of square frame 388), so with follow-up prompts.If the prompting of square frame 384 has repeated (the "Yes" branch of square frame 388) five times, will write down so mistake (square frame 390) will not be replied in CSR 22 approval prompting.

After the mistake of square frame 390, process will change one group of public subroutine among Figure 21 over to.These subroutines will with CSR 22 be connected signalling trouble client 16 and LBR12.Figure 21 square frame 686 depends on whether client 16 is also expecting someone's call.If client 16 in answer a call (the "Yes" branch of square frame 686), allows client 16 not answer a call by (square frame 688) so, point out him to connect fault, and indicate him that phone is handed to LBR 12 (square frame 690).If client 16 not in answer a call (the "No" branch of square frame 686), will connect the information indicating client 16 (square frame 690) that fault and phone are delivered so.

Provide a prompting now, require LBR 12 when answering the call by 1 (square frame 696).If overtime (the "Yes" branch of square frame 698) takes place or do not import effective key 1 (the "No" branch of square frame 700), test follow-up prompts number of times (square frame 704) so.If do not reach 10 times (the "No" branch of square frame 704), so follow-up prompts (square frame 696).After 10 follow-up prompts (the "Yes" branch of square frame 704), system processor 20 will be hung up all connections and reset (square frame 706), return square frame 102 then and restart its process (square frame 708).By 1 back (the "Yes" branch of square frame 700), notice LBR 12 connection errors, and indicate he by hand program urgently needed cash (square frame 712) is provided.Now, system processor 20 will be hung up all connections and reset (square frame 714), return square frame 102 then and restart its process (square frame 716).

If by 2 (the "Yes" branches of square frame 394), the every kind of currency and all currencies conversion exchange rate that so exchange are comprised all are prompted to CSR 22 (square frame 404), and repeat square frame 384 during square frame 384 in response.If by 3 (the "Yes" branches of square frame 400), process will change the square frame 344 of Fig. 9 over to, and restart be connected (square frame 402) between CSR 22 and the client 16 as mentioned above.

If during the speech of Fig. 9 square frame 348 connects, pressed 2 (the "Yes" branches of square frame 354), so the every kind of currency that is comprised in the transaction and all currencies conversion exchange rate all are prompted to CSR 22 (square frame 356), restart CSR 22 and connect to client 16 speech by changing square frame 344 over to then.

If during the speech of Fig. 9 square frame 348 connects, pressed 1 (square frame 360 "Yes" branches), perhaps when the option of response Figure 10 square frame 384, pressed 1 (the "Yes" branch of square frame 396), process will change the option prompting of Fig. 9 square frame 364 over to.

By Fig. 9 square frame 364, point out CSR 22: if you can ratify urgent money transaction, then by 1 with following option; If perhaps you refuse urgent money transaction, then by 2.If overtime (the "Yes" branch of square frame 366) takes place between the presentation period of square frame 364 or by effective key (square frame 374 and 378 "No" branch), tests follow-up prompts number of times (square frame 368) so.If do not reach three times (the "No" branch of square frame 368), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 368), write down so mistake (square frame 370) is not replied in CSR 22 approval prompting, and system will change above-mentioned public subroutine over to, notify client 16 and LBR 12 with connection error, then restarting systems (square frame 686 of Figure 21).

If when the option of response square frame 364, pressed 2 (the "Yes" branches of square frame 378), turned to CSR22 refusal subroutine (square frame 440 of Figure 12) so.Point out CSR 22 with following information and option: " you do not want to ratify urgent money transaction "; By 1, finish conversation, perhaps, talk (square frame 440) once more with client 16 by 2.If between the presentation period of square frame 440, take place overtime (the "Yes" branch of square frame 442), perhaps, test follow-up prompts number of times (square frame 444) so by effective key (square frame 450 and 452 "No" branch).If do not reach three times (the "No" branch of square frame 444), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 444), to write down to CSR 22 refusal prompting so and not reply mistake, and system will change above-mentioned public subroutine over to, notify client 16 and LBR 12 with connection error, then restarting systems (square frame 686 of Figure 21).If pressed 2 (the "Yes" branches of square frame 452), process changes the beginning (square frame 344 of Fig. 9) of CSR 22 and client's 16 speech connectivity options over to so.If pressed 1 (the "Yes" branch of square frame 450), " sorry, you can not ratify this cash request to point out CSR 22 so.Thank you for helping me.You can hang up." (square frame 456), point out client 16 " to let down, disagree with transaction, goodbye then." (square frame 458), and write down refusal transaction wrong (square frame 460).

Now, system is with normal termination.Show the flow process of normal termination process from the public subroutine of Figure 22 square frame 720 beginnings.All phones connections all are disconnected (square frame 720 of Figure 22).Write down normal termination incident (square frame 722).If also have any transaction data (the "Yes" branch of square frame 724), give transaction log file (square frame 726) these data so.Figure 27 shows the storage format of transaction log file; This document has write down all detailed datas about approved urgent money transaction.Now, system processor 20 will be hung up all connections and reset (square frame 728), return square frame 102 then, and restart its process (square frame 730).

If when the option of response square frame 364, pressed 1 (the "Yes" branch of square frame 374), will change CSR 22 approval procedures (square frame 410 of Figure 11) so over to.Prompting CSR 22 input customer account number (square frame 410).If between the presentation period of square frame 410, take place overtime (the "Yes" branch of square frame 412), test follow-up prompts number of times (square frame 414) so.If do not reach three times (the "No" branch of square frame 414), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 414), to write down CSR 22 so and not verify customer ID mistake (square frame 416), and system will change above-mentioned public subroutine over to, notify client 16 and LBR12 connection error, then restarting systems (square frame 686 of Figure 21).If there be not overtime (the "No" branch of square frame 412), point out CSR 22 so except that the account number of input, then be following option: if correct, by 1; If incorrect, by 2; Perhaps, repeat account number (square frame 420) by 3.If overtime (the "Yes" branch of square frame 422) takes place or by effective key (square frame 430,432 and 434 "No" branch), tests follow-up prompts number of times (square frame 424) so.If do not reach three times (the "No" branch of square frame 424), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 424), to write down CSR 22 so and not confirm customer account number mistake (square frame 426), and system will change above-mentioned public subroutine over to, notify client 16 and LBR12 connection error, then restarting systems (square frame 686 of Figure 21).If pressed 2 (the "Yes" branches of square frame 432), follow-up prompts is imported account number (square frame 410) so.If pressed 3 (the "Yes" branches of square frame 430), repeat account number so and examine option prompting (square frame 420).If by 1 (the "Yes" branch of square frame 434), process will change CSR 22 currency options (square frame 468 of Figure 13) over to so.

They are wanted to be used for the selection of the currency type of institute's amount of money approved to CSR 22 prompting.Option is: domestic bank's currency, by 1; Perhaps pay currency, by 2 (square frames 468 of Figure 13).If overtime (the "Yes" branch of square frame 470) takes place between the presentation period of square frame 468 or by effective key (square frame 478 and 480 "No" branch), tests follow-up prompts number of times (square frame 472) so.If do not reach three times (the "No" branch of square frame 472), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 472), to write down so and select the currency prompting not reply mistake (square frame 474) CSR 22, and system will change above-mentioned public subroutine over to, notify client 16 and LBR 12 connection error, then restarting systems (square frame 686 of Figure 21).If pressed 1 (the "Yes" branch of square frame 478), following three system signs will be set so: currency is paid in expression be arranged to vacation (square frame 490) for the sign that calculates the basis, one sign is set, take domestic bank's currency as basis (square frame 492), and a sign is set, other currency is to pay currency (square frame 494).If pressed 2 (the "Yes" branches of square frame 480), following three system signs will be set so: currency is paid in expression be the sign setting of calculating the basis come true (square frame 482), one sign is set, the identification monetary base is to pay currency (square frame 484), and a sign is set, and other currency is domestic bank's currency (square frame 486).Now, system will change urgent amount of cash input process (square frame 500 of Figure 14) over to.

Prompting CSR 22 usefulness integers are imported amount of cash (square frame 500 of Figure 14).If during importing, take place overtime (the "Yes" branch of square frame 502), test follow-up prompts number of times (square frame 504) so.If do not reach three times (the "No" branch of square frame 504), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 504), to write down so and not import amount of money mistake (square frame 506), and system will change above-mentioned public subroutine over to, notify client 16 and LBR 12 connection error, then restarting systems (square frame 686 of Figure 21).If overtime (the "No" branch of square frame 502) do not take place, verify so the amount of money be one greater than zero integer (square frame 510).If the amount of money invalid (the "No" branch of square frame 510) give CSR22 (square frame 512) miscue of the invalid amount of money so, and process is back to input prompt (square frame 500).If the amount of money is (the "Yes" branch of square frame 510) effectively, system processor 20 will calculate from amount of money approved to the transaction conversion of paying the amount of money with selected currency, basis selection and the exchange rate so, the amount of money of from clients' accounts, deducting, and dollar amount of money (square frame 514) of equal value.

Now, will comprise amount of money approved, pay the transaction summary prompting CSR 22 of the amount of money and dollar settlement amounts, then the following option of prompting: press 1, agree this amount of money; By 2, begin again and talk with the client; By 3, import the different amount of money; Perhaps press 4, repeat business summary (square frame 516).If overtime (the "Yes" branch of square frame 518) takes place between the presentation period of square frame 516 or by effective key (square frame 526,530,534 and 536 "No" branch), tests follow-up prompts number of times (square frame 520) so.If do not reach three times (the "No" branch of square frame 520), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 520), to write down so and not reply mistake (square frame 522) repeating summary, and system will change above-mentioned public subroutine over to, notify client 16 and LBR 12 connection error, then restarting systems (square frame 516 of Figure 21).If pressed 4 (the "Yes" branches of square frame 534), so repeat business summary (square frame 516).If pressed 3 (the "Yes" branches of square frame 536), repeated amount of money input prompt (square frame 500) so.If pressed 2 (the "Yes" branches of square frame 530), so as mentioned above, process will change Figure 10 square frame 384 over to, and the follow-up prompts option, so that talk with the client.If pressed 1 (the "Yes" branch of square frame 526), system will change client's 16 notification procedure (square frame 540 of Figure 15) over to so.

Will be about the affirmation information indicating CSR 22 of amount of money approved, and tell he when telling client 16 and LBR 12 transaction he will answer a call (square frame 540 of Figure 15).Then, allow 22 tins of background musics of CSR (square frame 542).Client 16 do not answer a call (square frame 544).If it is that the sign of monetary base is set to vacation (the "Yes" branch of square frame 546) that currency is paid in expression, so the message notifying client 16 (square frame 548) of " amount of money of CSR 22 approved domestic bank currency is X, and you will receive that the amount of money of paying currency is Y ".Be masked as very (the "No" branch of square frame 546) if pay currency, give client 16 (square frame 550) message notifying of " CSR 22 approveds pay currency the amount of money be Y " so.Now, prompting client 16 gives LBR12 (square frame 552) with phone, if when the representative of prompting LBR12 local really subbranch is answered the call by 1 (square frame 554).If overtime (the "Yes" branch of square frame 556) takes place or do not import effective key 1 (the "No" branch of square frame 564), test follow-up prompts number of times (square frame 558) so.If do not reach 10 times (the "No" branch of square frame 558), so follow-up prompts (square frame 554).After 10 follow-up prompts (the "Yes" branch of square frame 558), write down LBR 12 and do not reply mistake (square frame 560).Now, system will change public subroutine over to, and connectivity problem (square frame 734 of Figure 22) has taken place notice CSR 22.If CSR 22, allows CSR22 hang up the telephone (square frame 736) so in answer a call (the "Yes" branch of square frame 734).Now, with the connection error of LBR 12 prompting CSR 22, and indicate its by hand program urgently needed cash (square frame 738) is provided.Now, system processor 20 will be hung up all connections and repeat to be provided with (square frame 740).Detecting button 1 back (the "Yes" branch of square frame 564), system will change summary and the proof procedure (square frame 570 of Figure 16) of LBR 12 over to.

The transaction summary prompting LBR 12 that pays the amount of money and dollar settlement amounts that comprises through approval, the then following option of prompting: press 1, agree and pay this amount of money; By 2, with the CSR of domestic bank 22 talks; Perhaps press 3, repeat business summary (square frame 570 of Figure 16).If overtime (the "Yes" branch of square frame 572) takes place between the presentation period of square frame 570 or by effective key (square frame 580,582 and 586 "No" branch), tests follow-up prompts number of times (square frame 574) so.If do not reach (the "No" branch of square frame 574), follow-up prompts so three times.If triplicate (the "Yes" branch of square frame 574) will be write down so and not reply mistake (square frame 576) to repeating summary, change above-mentioned subroutine then over to, connecting signalling trouble CSR 22 (square frames 732 of Figure 22).If pressed 3 (the "Yes" branches of square frame 580), so repeat business summary (square frame 570).

If when response square frame 570, pressed 1 (the "Yes" branch of square frame 586), closed the trade so.At first, produce a transaction ID, it comprises the transaction number (square frame 588) of current date and time and current approval.Then, following message notifying CSR 22: " LBR 12 will pay the cash of being asked; Soon will send to and confirm fax, as ' the transaction proof ' of this transaction.With the preservation of noting down of this fax." (square frame 590).Now, following message notifying LBR 12: " with paying in cash of being asked to the client; Soon will send to and confirm fax, as ' the transaction proof ' of this transaction.With the preservation of noting down of this fax." (square frame 592) ".All transaction data are write transaction log (square frame 594).To confirm to send to LBR 12 and CSR 22 (square frame 596) after the facsimile formatization.Figure 29 and Figure 30 show facsimile format and show sample, and show the sample data and the data field of title are located.This is deposited with file with the third edition of fax, in the financial transaction application program, and with the backup file of transacting business; Figure 31 shows this form.Safeguard fax journal file 42 (Figure 32), so that follow the tracks of whole fax activities of agreeing transaction.Except fax, also the summary report 44 to a week formats, and it is sent each related place, and summary combines the data of transaction log 36 (Figure 27) with commerce database 32 (Figure 26); Figure 28 shows this form.In case with facsimile formatization and send, system will change above-mentioned subroutine over to, with normal termination transaction (square frame 718 of Figure 22).

If pressed 2 (the "Yes" branches of square frame 582) when response square frame 570, system will change LBR12 and CSR 22 speech connection procedures (square frame 602 of Figure 17) over to so.Following message notifying LBR 12: " you will link to each other with the CSR of domestic bank 22, and they will control this connection.The option of CSR 22 has the current transaction of your agreement of approval, the refusal transaction, or authorize the different amount of money to obtain your and agree." (square frame 604).CSR 22 does not listen background music (square frame 606).Prompting CSR 22: " LBR 12 disagrees with and pays in cash following message, and thinks and your talk.When you finish talk with LBR 12, by 1, and will point out following option: ratify current transaction, import the different amount of money, perhaps refuse to conclude the business.When winding up a talk by 1 " (square frame 608).So, between LBR 12 and CSR 22, set up voiceband telephone and connect (square frame 614 of Figure 18).CSR 22 and LBR 12 will discuss this transaction (square frame 616).If surpassed 3 minutes (the "Yes" branch of square frame 618) or by non-1 key (the "No" branch of square frame 620), and LBR 12 is also at answer the call (square frame 624).Prompting CSR 22 following options:, finish talk:, continue 12 talks (square frame 626) with LBR by 2 with LBR 12 by 1.If overtime (the "Yes" branch of square frame 628) takes place or by effective key (square frame square frame 630 and 632 "No" branch), so to test follow-up prompts number of times (square frame 634) between the presentation period of square frame 626.If do not reach three times (the "No" branch of square frame square frame 634), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 634) will be write down CSR 22 so and not reply mistake (square frame 636), system will change above-mentioned subroutine over to then, will connect signalling trouble LBR 12 (square frame 694 of Figure 21).If pressed 2 (the "Yes" branches of square frame 632), restarted speech connection procedure (square frame 614) so.If response during square frame 626 (the "Yes" branch of square frame 630) or during LBR 12 and CSR 22 talk (the "Yes" branch of square frame 620) pressed 1, system will change 22 prompt options to CSR over to so, so that it selects next step (square frame 640 of Figure 19).

Prompting CSR 22 following options:, continue checking and approving of current transaction by 1; By 2, set up another time transaction; Perhaps by 3, Cancel Transaction and again with client's 16 talks (square frame 642).If overtime (the "Yes" branch of square frame 644) takes place between the presentation period of square frame 642 or by effective key (square frame 652,656 and 660 "No" branch), tests follow-up prompts number of times (square frame 646) so.If do not reach three times (the "No" branch of square frame 646), so with follow-up prompts.If triplicate (the "Yes" branch of square frame 646) will be write down CSR 22 so and not reply mistake (square frame 648), system will change above-mentioned subroutine over to then, will connect signalling trouble LBR 12 (square frame 694 of Figure 21).If pressed 1 (the "Yes" branch of square frame 652), system will change summary and the transaction verification process (square frame 570 of Figure 16) of LBR 12 over to so.If pressed 2 (the "Yes" branches of square frame 656), system will change the currency selection course (square frame 468 of Figure 13) of CSR 22 over to so.If pressed 3 (the "Yes" branches of square frame 660), system will change the refusal process (square frame 440 of Figure 12) of CSR 22 over to so.

This is the termination of normal flow.

System processor 20 whenever all can the hang-up incident be detected during handling the movable litigant of any participation system.When detecting subbranch's communication link hang-up on one side, system 20 will change the hang-up subroutine of Figure 23 square frame 744 over to.Detect subbranch's one side phone and do not connect (square frame 746).Test subbranch and hang up whether occur in (square frame 748) during the LBR 12 sign passwords inputs.Occur in (the "Yes" branch of square frame 748) during the sign input if hang up, to write down so and hang up wrong (square frame 754) during LBR 12 signs are collected.If hang up do not occur in sign and collect during (the "No" branch of square frame 748), the system that tests so whether linked to each other with the CSR of bank 22 (square frame 750).If connected CSR 22 (the "Yes" branch of square frame 750), system will change above-mentioned public subroutine over to, notify CSR 22 (square frame 732 of Figure 22) with connectivity problem.During if system does not also connect CSR22 (the "No" branch of square frame 750) or hangs up the sign that occurs in LBR 12 and collects (square frame 754), system processor 20 will be hung up all connections and reset (square frame 756) so, return square frame 102 then and restart its process (square frame 758).If domestic bank's one side at communication link detects broken string, system will change the subroutine (square frame 760 of Figure 23) that CSR 22 1 sides are hung up over to so.Detect broken string (square frame 762) at home in the connection of bank's one side.Whether test when CSR 22 broken strings client 16 at receive calls (square frame 764).If in receive calls (the "Yes" branch of square frame 764), changing over to so as mentioned above, client 16 notify client 16 to hang up subroutine (square frame 664 of Figure 20).If client 16 is not in receive calls (the "No" branch of square frame 764), system will change the subroutine (square frame 710 of Figure 21) of notice LBR 12 as mentioned above over to so.

The various preferred embodiments that realize the various purposes of the present invention have been described.Should be realized that these embodiment only are explanation of the principles of the present invention.For a person skilled in the art, the various corrections and the transformation of the way that does not break away from spirit and scope of the invention is conspicuous.Therefore, the present invention only is subjected to the restriction of following claims.

Claims (48)

1. method of finishing financial transaction, described transaction comprises that a client, this client live in the native country state of saying first language, and is the client of a financial institution; Described transaction also comprises first representative of described financial institution, and described first representative is worked in second country, and says second language, and described method is characterised in that, may further comprise the steps:

By described first representative contact one disposal system and input and the described first first corresponding data of representing of sign, the described financial transaction of initialization;

Verify the sign of described first representative;

With comprising that the different language of described first language points out described client, point out described client to discern described first language by described disposal system;

As the result of described client, discern described first language to described prompting response;

Comprise the country variant of the described first language of use of described native country state by the prompting of described disposal system, the native country state of pointing out described client to discern described client with described first language;

As the result of described client, discern described client's native country state to described prompting response;

By communicating by letter between described disposal system and second representative, identification also contact is under the jurisdiction of described second representative of described financial institution, and described second representative is said described first language and can be visited financial records and the account of client described in the described financial institution;

Verify the sign of described second representative;

By described disposal system, connect described client and described second representative;

Between described client and described second representative, described financial transaction is discussed with described first language by described connection;

By the described client's of described second generation table access financial records, determine whether described financial institution can accept described financial transaction;

As the result of the described client's of described second generation table access described financial records, authorize described financial transaction by described second representative, and with the described disposal system of described authorization notification;

With described first representative of described authorization notification;

Between described first representative and described client, finish the financial transaction of described mandate.

2. the method for claim 1 is characterized in that, described financial transaction is promptly to pay in cash.

3. the method for claim 1 is characterized in that, also comprises the steps:

At least automatically generate a report by described disposal system, prove described financial transaction.

4. method as claimed in claim 3 is characterized in that, described disposal system generates a report automatically, and this report is sent to described first and represents the work location.

5. method as claimed in claim 3 is characterized in that, described disposal system generates a report automatically, and this report is sent to described client and preserves its account location.

6. method as claimed in claim 3 is characterized in that, described disposal system generates a report automatically, and this report is stored in the financial transaction centre file of being finished by described disposal system.

7. method as claimed in claim 4 is characterized in that, by fax described report is sent to the described first described place of representing work.

8. method as claimed in claim 5 is characterized in that, described report is sent in store its account's of described client described place by fax.

9. the method for claim 1 is characterized in that, by the described disposal system of telephone contact, finishes described initialization step by described first representative.

10. the method for claim 1 is characterized in that, being connected between realizing client described in the described Connection Step and described second represents by phone.

11. the method for claim 1 is characterized in that, also comprises the steps:

Solicit information and described information and the corresponding information that is stored in described client's the described record are compared to described client by described second representative, verify described client's sign.

12. the method for claim 1 is characterized in that, verifies that the described step of the sign of described first representative also comprises from the step of the described second language of described first data identification.

13. the method for claim 1 is characterized in that, described first language is an English.

14. the method for claim 1 is characterized in that, described second language is an English.

15. the method for claim 1 is characterized in that, described second representative is in the work of described native country state.

16. the method for claim 1 is characterized in that, communicates by letter with described first representative with described second language by described disposal system, finishes the described step with described first representative of described authorization notification.

17. the method for claim 1 is characterized in that, also comprises the steps:

Signal to described disposal system by described first representative, represent the mandate of described second representative of the described first representative approval, agree described mandate described financial transaction.

18. the method for claim 1 is characterized in that, and is further comprising the steps of:

According to the described discussion between described second representative and the described client, the characteristic of described financial transaction represented from described second send described disposal system to; And

Visit the database that comprises different monetary exchange rates by described disposal system, with the described financial transaction of different monetary analyses; And

Give described second representative from described disposal system with described analysis report.

19. method as claimed in claim 18 is characterized in that, the currency with described native country state and described second country carries out described analysis at least.

20. method as claimed in claim 19 is characterized in that, also carries out described analysis with American currency.

21. the method for claim 1 is characterized in that, the described step of finishing transaction comprises that described first representative pays described client's cash.

22. method as claimed in claim 21 is characterized in that, described cash comprises the cash of described second national currency.

23. method as claimed in claim 21 is characterized in that, described cash comprises the cash of described second national currency of part and the cash of the described native country of part state currency.

24. method as claimed in claim 21 is characterized in that, described cash comprises the cash of American currency.

25. system that carries out financial transaction, described transaction comprises a client, this client lives in the native country state of saying first language and is the client of a financial institution, described transaction also comprises first representative of described financial institution, described first representative is worked and is said in second country and it is characterized in that second language:

Described first represents by contact one disposal system and input and the described first first corresponding data of representing of sign, the described financial transaction of initialization;

Described disposal system is verified the sign of described first representative;

With comprising that the different language of described first language points out described client, discern described first language by described disposal system;

As the result of described client to described prompting response, described disposal system is discerned described first language;

Comprise the country variant of the described first language of use of described native country state, the native country state that described disposal system points out described client to discern described client with described first language by described disposal system to described client prompting;

By the answer of described client to described prompting, described disposal system is discerned described native country state;

By described disposal system with second the representative between communicate by letter, described disposal system identification and contact are under the jurisdiction of described second representative of described financial institution, and described second representative is said described first language and can be visited financial records and the account of client described in the described financial institution;

Described disposal system is verified the sign of described second representative;

By described disposal system, described disposal system connects described client and described second representative;

Described client and described second representative are discussed described financial transaction with described first language;

As the result of the described client's of described second generation table access described financial records, described financial transaction is authorized in described second representative;

Described disposal system is with described first representative of described authorization notification; And

On behalf of the client, described client and described first finish described financial transaction.

26. system as claimed in claim 25 is characterized in that, described financial transaction is promptly to pay in cash.

27. system as claimed in claim 25 is characterized in that, by generating a report at least automatically, described disposal system proves described financial transaction.

28. system as claimed in claim 27 is characterized in that, described disposal system automatically generates a report, and this report is sent to described first location of representing work.

29. system as claimed in claim 27 is characterized in that, described disposal system generates a report automatically, and this report is sent to the location that described client preserves its account.

30. system as claimed in claim 27 is characterized in that, described disposal system generates a report automatically, and this report is stored in the financial transaction centre file of being finished by described disposal system.

31. system as claimed in claim 28 is characterized in that, by fax described report is sent to the described first described place of representing work.

32. system as claimed in claim 29 is characterized in that, by fax described report is sent to the described place that described client preserves its account.

33. system as claimed in claim 25 is characterized in that, by the described disposal system of telephone contact, finishes described initialization by described first representative.

34. system as claimed in claim 25 is characterized in that, being connected between realizing described client and described second represents by phone.

35. system as claimed in claim 25 is characterized in that, described second representative is verified described client identity authentication by soliciting information to described client and described information and the corresponding information that is stored in described client's the described record being compared.

36. system as claimed in claim 25 is characterized in that, described disposal system is also from the described second language of described first data identification.

37. system as claimed in claim 25 is characterized in that, described first language is an English.

38. system as claimed in claim 25 is characterized in that, described second language is an English.

39. system as claimed in claim 25 is characterized in that, described second representative is in the work of described native country state.

40. system as claimed in claim 25 is characterized in that, described disposal system is by communicating by letter with described first representative with described second language, with described first representative of described authorization notification.

41. system as claimed in claim 25 is characterized in that, described first representative is agreed described mandate by send out the signal of approving of described second representative to authorize to described disposal system.

42. system as claimed in claim 25 is characterized in that,

According to the described discussion between described second representative and the described client, described second representative sends the characteristic of described financial transaction to described disposal system; And

Described disposal system comprises the database of different monetary exchange rates by visit, with the described financial transaction of different monetary analyses; And

Described disposal system is given described second representative with described analysis report.

43. system as claimed in claim 42 is characterized in that, the currency with described native country state and described second country carries out described analysis at least.

44. system as claimed in claim 43 is characterized in that, also carries out described analysis with American currency.

45. system as claimed in claim 25 is characterized in that, describedly finishes transaction and comprises that described first representative pays described client's cash.

46. system as claimed in claim 45 is characterized in that, described cash comprises the cash of described second national currency.

47. system as claimed in claim 45 is characterized in that, described cash comprises the cash of described second national currency of part and the cash of the described native country of part state currency.

48. system as claimed in claim 21 is characterized in that, described cash comprises the cash of American currency.

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