JPH11506853A - 統合された完全サービスの消費者銀行業務システムおよび勘定の開設方法 - Google Patents
統合された完全サービスの消費者銀行業務システムおよび勘定の開設方法Info
- Publication number
- JPH11506853A JPH11506853A JP9501147A JP50114797A JPH11506853A JP H11506853 A JPH11506853 A JP H11506853A JP 9501147 A JP9501147 A JP 9501147A JP 50114797 A JP50114797 A JP 50114797A JP H11506853 A JPH11506853 A JP H11506853A
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- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Abstract
Description
Claims (1)
- 【特許請求の範囲】 1. 人口統計学およびクレジット情報や財務目標のようなカスタマの財務情報 を含むカスタマのプロフィールを含んでいるデータベースを構築するステップ、 集められた情報に基づいてニーズ分析を実行するステップ、ニーズ分析に基づい て勘定を推奨するとともに選択された勘定の構成要素に関係する情報を提示する ステップ、銀行のステートメントのイメージを表示するステップ、少なくとも1 つの勘定の構成要素のカスタマの選択を反映するためにデータベースを更新する ステップ、カスタマの選択を反映して改訂されたイメージである銀行のステート メントを表す第2のイメージを表示するとともに少なくとも1つの登録フォーム を印刷するステップの各ステップを含んでなる単一のセッション内でカスタマに 対して単一の統合された勘定を開設する方法。 2. 少なくとも銀行トランザクションおよび仲介トランザクションを含んでい る種々の財務トランザクションをカスタマが実行することを許可する単一のカス タマの勘定、少なくとも自動窓口機、電話およびパーソナルテラートランザクシ ョンを含む複数の異なる資源から勘定にアクセスすることを許可するユーザイン ターフェース手段、勘定にアクセスするために使用される資源に関わらず各トラ ンザクションを実質的に通して一定のユーザインターフェースを提示するための 手段を含んでなる、統合された財務システム。 3. 単一の勘定がクレジットカード構成要素を含む、請求の範囲第2項記載の 財務システム。 4. 単一の勘定がクレジット構成要素の科目を含む、請求の範囲第2項記載の 財務システム。 5. 単一の勘定が担保付きクレジット構成要素を含む、請求の範囲第2項記載 の統合された財務システム。 6. 単一の勘定が金融市場構成要素を含む、請求の範囲第2項記載の財務シス テム。 7. 少なくとも当座構成要素、貯金構成要素および仲介構成要素を含む単一の 勘定を含んでなるタイプの統合された財務システムにおいて、1つのセッション において勘定を開設するためのシステムであって、重要なデータを収集するため の手段を含む個人のプロフィールを集めるための手段、少なくとも当座預金構成 要素、貯金構成要素および仲介構成構成要素を構築するための手段、およびプロ セスのいずれかのステップにおいて収集されたデータがデータが必要とされる全 ての他の点に流れることを許容してデータが2度以上入らないための手段を含む 単一のカスタマの勘定を構築するための手段を有してなる、システム。 8. 特定のデータの断片のために多数のプロンプトを発生するための手段をさ らに含んでなり、ユーザがこのようなデータを集めるための適当な時間に関する 個人的な判断を実行することができる、請求の範囲第7項記載のシステム。 9. 収集されたが、直ちに必要とされない情報を記憶するためのファイル保留 手段をさらに含んでなる、請求の範囲第7項記載のシステム。 10. 単一の各構成要素がデータフィールドを含み、またデータフィールド間 でデータを転送するための手段、および関連する異なる構成要素内のデータフィ ールドに入るための手段をさらに有し、1つのデータフィールドに入ったデータ は他の関連するデータフィールドにコピーできる、請求の範囲第7項記載のシス テム。 11. 勘定を構築するための手段が、クレジットカード勘定の勘定構成要素を 構築するための手段を含んでなる、請求の範囲第7項記載のシステム。 12. 勘定を構築するための手段が、クレジット勘定構成要素の科目を構築す るための手段を含んでなる、請求の範囲第7項記載のシステム。 13. 勘定構築するための手段が、担保付きのクレジット勘定構成要素を構築 するための手段を含んでなる、請求の範囲第7項記載のシステム。 14. 勘定を構築するための手段が、金融市場の勘定構成要素を含んでなる、 請求の範囲第7項記載のシステム。 15. 勘定を構築するための手段が、保険勘定構成要素を含んでなる、請求の 範囲第7項記載のシステム。 16. 勘定を構築するための手段が、償還勘定構成要素を構築するための手段 を含んでなる、請求の範囲第7項記載のシステム。 17. 銀行ステートメントの表示を表示するための手段をさらに含んでなり、 前記銀行ステートメントの表現を表示するための手段は単一の勘定を構築するた めの手段に接続されており、勘定が構築される際に銀行ステートメントの表現が 更新される、請求の範囲第7項記載のシステム。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/473,975 | 1995-06-07 | ||
US08/473,975 US5866889A (en) | 1995-06-07 | 1995-06-07 | Integrated full service consumer banking system and system and method for opening an account |
PCT/US1996/008609 WO1996041287A1 (en) | 1995-06-07 | 1996-06-06 | Integrated full service comsumer banking system and system and method for opening an account |
Publications (1)
Publication Number | Publication Date |
---|---|
JPH11506853A true JPH11506853A (ja) | 1999-06-15 |
Family
ID=23881745
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP9501147A Pending JPH11506853A (ja) | 1995-06-07 | 1996-06-06 | 統合された完全サービスの消費者銀行業務システムおよび勘定の開設方法 |
Country Status (12)
Country | Link |
---|---|
US (3) | US5866889A (ja) |
EP (1) | EP0870258A4 (ja) |
JP (1) | JPH11506853A (ja) |
KR (1) | KR100451097B1 (ja) |
CN (2) | CN1191618A (ja) |
AR (1) | AR002404A1 (ja) |
AU (1) | AU709069B2 (ja) |
CA (1) | CA2223791A1 (ja) |
MY (1) | MY131756A (ja) |
PL (1) | PL188526B1 (ja) |
WO (1) | WO1996041287A1 (ja) |
ZA (1) | ZA964853B (ja) |
Cited By (1)
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- 1996-06-06 CN CN96195804A patent/CN1191618A/zh active Pending
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CA2223791A1 (en) | 1996-12-19 |
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AU709069B2 (en) | 1999-08-19 |
PL323864A1 (en) | 1998-04-27 |
MY131756A (en) | 2007-08-30 |
US6131810A (en) | 2000-10-17 |
KR19990022547A (ko) | 1999-03-25 |
CN1191618A (zh) | 1998-08-26 |
CN101241585A (zh) | 2008-08-13 |
WO1996041287A1 (en) | 1996-12-19 |
AR002404A1 (es) | 1998-03-11 |
ZA964853B (en) | 1997-12-08 |
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