Delivering financial services to remote devices

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8543982
APP PUB NO 20070250808A1
SERIAL NO

11812945

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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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.

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Patent Owner(s)

  • CITICORP CREDIT SERVICES, INC. (USA)

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Abbott, Charles Santa Monica, US 5 619
Boyd, Nik Los Angeles, US 6 641
Cohen, Albert Los Angeles, US 16 810
Cook, James Manhattan Beach, US 67 1567
Grandcolas, Michael Santa Monica, US 13 1127
Lan, Sikun Los Angeles, US 8 56
Lindsley, Bonnie Santa Clarita, US 4 611
Markarian, Grigor Agoura, US 12 1273
Moss, Leslie Los Angeles, US 13 1180
Zeanah, James Thousand Oaks, US 4 611

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Mar 24, 2025
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