Note: Descriptions are shown in the official language in which they were submitted.
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PERSONAL BANKING MACHINE
FIELD OF THE INVENTION
The present invention relates generally banking methods and systems for
bank customers and non-customers to perform financial transactions and acquire
information regarding banking products and services. The present invention
allows
a user to establish a new banking relationship. The invention includes
features for
performing and completing bank transactions such as, obtaining checks,
bankcards,
to and account information, as well as establishing new accounts. Other
aspects of the
invention enable users to acquire information regarding banking products and
services, as well as information from the Internet, anywhere, anytime without
the
aid of a traditional banking customer service representative being locally
present.
1 s BACKGROUND OF INVENTION
There is an increasing consumer need for banks to deliver 24 hours a day, 7
days a week full service at the branch office level. Presently, the self
service
banking products and services which are offered at the local level are limited
to such
simple functions as withdrawals, deposits and the delivery of account
statements. It
2o has not been possible for bank customers to obtain increasingly complex
information, and perform those associated transactions, which have become the
substance of such information, without directly being assisted by a local
office staff
member during normal business day operating hours.
In order to fulfill this need, banks are seeking to transform portions of the
25 traditional branch office into a "personal space" in which both customer
and
customer representatives are better equipped to meet the customers'
increasingly
complex financial needs. This transformation will result in the integration of
information-based banking into a retail space which today is devoted almost
exclusively to routine transaction-based banking.
3o The future bank will enable customers to be more in control of their
financial
well-being, a cornerstone of any financial institution's goal of providing
full-fledged
money management for all of its custombrs. This objective is supported by the
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introduction of advanced technologies into the branch setting, such as access
to the
Internet, self service account functions, home banking, global products and
services.
This technology allows customers and non-customers access to information and
transactions which provides a true market differentiation in retail banking.
Finally, the activities customers are beginning to perform at the local branch
level are qualitatively different from those done previously. Despite the
growing
popularity of remote access channels among consumers, it is clear that
financial
institution's worldwide branches will continue to be a vital presence to bank
customers and non-customers for the foreseeable future. Accordingly, there is
a
need to engage and interact with millions of customers worldwide, while
efficiently
delivering superior products and services to in-branch customers and non-
customers.
SUMMARY OF THE INVENTION
Three primary needs of a bank are fulfilled with the Personal Banking
15 Machine (PBM); 1) to service customers and non-customers in 24 hour or
extended
operating hours environment without the need for interaction or assistance
with a
customer service representative or local bank staff member, including the
enrollment
of a non-customer in a banking relationship, 2) to provide customers and non-
customers with banking product and service information, and 3) to provide
zo customers with the ability to perform banking transactions.
The PBM also facilitates an increase in the volume of customers and
potential customers. They will be attracted by this new and convenient means
of
accessing information and products. Since the local branch office staff will
be
primarily focused on assisting customers, it is a very important aspect of the
PBM
25 that it's self service functionality be available for information and
transactions that
currently require a personal banker or a bank teller.
It is an object of the present invention to meet the needs of bank customers
and non-customers by allowing 24 hour access to both information and
transactions
at the local branch level. It is a further object of the present invention to
provide a
3o user who is a non-customer with the ability to establish a banking
relationship
through the access to and operation of the PBM.
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It is an object of the present invention to provide the user with information
on a bank's savings accounts, loans, and home banking services, related travel
services. Internet-based information is also accessible. A demonstration of
the
various bank products and services is also provided by the present invention.
It is an object of the invention to allow users who are bank customers to
perform banking transactions such as obtaining checks, bankcards, open and
alter
bank accounts. In addition, the invention allows the user to perform Internet-
based
banking transactions.
It is an object of this invention to provide such information and allow such
1 o transactions to be performed without requiring a customer service
representative
during either peak or off peak hours.
To achieve the stated and other objects of the present invention, as embodied
and described below, the invention includes a method for a user to obtain
financial
information and perform banking transactions, by allowing the user to access
the
t s PBM by a user interface that automatically prompts the user to enter user
identification data. After the user inputs such identification data the
interface
transmits the data a remote processing unit having a database, wherein the
data is
verified and it is automatically determined if the user is an existing account
holder
or non-customer. The remote processing unit then transmits database
information to
2o the user interface, upon which a function menu is displayed and selected by
the
user. The user interface then prompts the user to input data for the selected
function
which is then performed by the PBM.
Additional objects, advantages and novel features of the invention will be set
forth in part in the description that follows, and in part will become more
apparent
2s to those skilled in the art upon examination of the following or upon
learning by
practice of the invention.
BRIEF DESCRIPTION OF THE DRAWINGS
In the drawings:
3o FIG. 1 presents a general view of the PBM workstation for an embodiment
of the invention;
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FIG. 2 illustrates the PBM from a right-of-center viewpoint for an
embodiment of the invention;
FIG. 3 is a block diagram of the tool function groups for an embodiment of
the invention;
s FIG. 4 is a block diagram of the transaction tool functions for an
embodiment of the invention;
FIG. 5 is a flowchart of the process steps for a user to access the PBM with
a bankcard for an embodiment of the invention;
FIG. 6 is a flowchart of the process steps for a user to access the PBM thru
the touch screen for an embodiment of the invention;
FIG. 7 is a flowchart of the process steps for a user to access the PBM with
a bankcard issued by another banking institution for an embodiment of the
invention;
FIG. 8 is a flowchart of the process steps for opening an account for an
i s embodiment of the invention;
FIG. 9 is a flowchart of the process steps for obtaining checks from the PBM
for an embodiment of the invention;
FIG. 10 is a flowchart of the process steps for obtaining a bankcard from the
PBM for an embodiment of the invention;
2o FIG. 11 illustrates the touch screen portion of the PBM user interface for
an
embodiment of the invention;
FIG. 12 presents a screen that prompts the user to select a PBM banking
service for an embodiment of the invention;
FIG. 13 illustrates a screen with a graphical user keyboard for an
2s embodiment of the invention;
FIG. 14A presents a screen for opening an account which includes a
graphical user keypad for inputting the user's personal information for an
embodiment of the invention;
FIG. 14B illustrates a screen for opening an account for an embodiment of
30 the invention;
FIG. 14C shows a screen that allows a user to select the type of account to
open for an embodiment of the invention;
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FIG. 14D illustrates a screen wherein a customer service representative's
image appears for an embodiment of the invention;
FIG. 14E depicts a screen which allows the user to select an account from
which to transfer money to the new account for an embodiment of the invention;
s FIG. 14F shows an account agreement and user's signature for an
embodiment of the invention;
FIG. 14G illustrates a screen showing the successful completion of an
account opening for an embodiment of the invention;
FIG. 15A shows a screen which presents the customer with the option of
t o selecting different types of checks for an embodiment of the invention;
FIG. 15B illustrates a Starter check screen for an embodiment of the
invention;
FIG. 15C shows a Starter check and informs the user of the status of the
request for an embodiment of the invention;
15 FIG. 15D illustrates a Replenishment check screen for an embodiment of the
invention;
FIG. 15E shows a Replenishment check and presents various options for
proceeding with or completing the Replenishment check function for an
embodiment
of the invention;
2o FIG. 15F illustrates the screen which appears after the customer has
selected
to print Replenishment checks for an embodiment of the invention;
FIG. 15G illustrates a Cashiers check screen for an embodiment of the
invention;
FIG. 15H shows a Cashiers check and presents various options for
25 proceeding with or completing the Cashiers check function for an embodiment
of the
invention;
FIG. 15I illustrates the screen which appears after the customer has selected
to print a Cashiers check for an embodiment of the invention;
FIG. 16A presents a screen which appears subsequent to the customer
3o selection of obtaining a bankcard for an embodiment of the invention;
FIG. 16B presents the image of the customer's bankcard prior to the
acceptance of it.
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FIG. 16C shows a graphical keypad and sub-windows for inputting
information with the bankcard function for an embodiment of the invention;
FIG. 16D illustrates a screen which informs the customer that a bankcard is
currently being generated within the PBM for an embodiment of the invention;
FIG. 16E presents a screen that informs the customer that the bankcard is
ready to be dispensed from the PBM for an embodiment of the invention;
FIG. 17 shows a PBM screen displaying an Internet Web-site for an
embodiment of the invention; and
FIG. 18 presents a PBM screen showing a video demonstration of bank
products and services for an embodiment of the invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
A PBM is a self service method and device that provides both customers and
t 5 non-customers with relevant information and transactional devices such as
bankcards, personal checks, and bank drafts.
The PBM is also a sit down terminal, which is partially enclosed to ensure
privacy, for up to two users who can sit side-by-side and easily view the
screen. It
is located within a 24 hour-accessible environment or in limited access area
of a
2o bank branch office.
The invention includes a method and system for a user to obtain financial
information and perform banking transactions by first accessing a user
interface,
which includes the use of a terminal and or a bankcard reading device. The
present
invention also provides a user with the capability to enroll as a banking
customer,
25 thereby establishing a banking relationship. Accordingly, the user
interface
automatically prompts the user to input the user's identification data. There
is
provided a means for inputting the user identification data, wherein such
means
includes touch screen or a bankcard reader. The data comprises personal
information of the user, including a user personal identification number
(PIN). The
3o information encoded on a user's bankcard may be inputted by means of the
card
reader. Accordingly, the bankcards can be of various types, including credit
cards,
debit cards, smartcards, etc.
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Such data is automatically transmitted to a financial institution's remote
processing unit having a database comprising bank product, service and user
information. The remote processing unit automatically verifies the user
identification data and determines if the user is a customer or non-customer.
The
remote processing unit then automatically transmits relevant financial
institution
database information to the user interface, which automatically displays a
function
menu. The user is then prompted to select a function. The user interface
automatically prompts the user to input data for the selected function,
followed by
the user inputting data related to the selected function and the PBM
performing the
t o selected function. Once the transaction is completed, the user exits back
to the main
menu and select another transaction tool function, information tool function,
or
further exit from the PBM.
The user interface prompts the user to input additional information. This
additional information is related to the specific function selected. Under the
loan
15 tool function, for example, the user is asked to provide her preferences on
the type
of loan desired, e.g. auto or home equity, and the length of repayment term.
In
another example, under the personal check tool function, the user is prompted
to
select the aesthetic design of her personal check.
The PBM hardware is designed and configured to allow the user to access a
2o bank's computer network, systems, transactions and information tools. The
PBM is
an automated banking and information system for bank customers and non-
customers to perform banking transactions and acquire banking product and
service
information, without the need to interact face-to-face with a bank customer
representative. It comprises a terminal coupled to a remote processing unit
wherein
25 the user inputs, receives and has data displayed. A bankcard reading device
coupled
to the terminal for obtaining user information is also included. Even in the
current
technologically advanced world, the personal signature is still regarded as
the
primary evidence of a contract, e.g., start of a new banking relationship, as
well as
a means of personal identification. Accordingly, a signature inputting device
3o coupled to the terminal for recording and verifying the user's
identification
information is included in the PBM.
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The PBM has several devices which endow the system with the capability to
immediately service the user. The system has at least one printing device
which is
coupled to the terminal for printing banking information and transaction
information
and summaries. In addition, at least one drop box is housed within the
terminal
s having a receptacle opening for receiving user personal information,
deposits and
bank correspondence. There is at least one check storage unit housed within
the
terminal for holding the checks prior to being dispensed. At least one paper
cassette
is coupled to a check printing device for supplying paper for the checks to be
printed, wherein at least one check printing device is housed within and
coupled to
t o the terminal. Also, there is at least one check dispensing device coupled
to a check
printing device for ejecting checks subsequent to a user request for such
checks.
Additionally, the system utilizes a modem coupled to the terminal for
accessing the Internet, along with a two-way video conferencing unit coupled
to the
terminal for communicating with a bank customer service representative.
15 The PBM unit is designed to be easily accessed, both physically, e.g., to
be
able to get in and out of the seating easily, and functionally, e.g., the use
of menu
screen design. The PBM's physical embodiments comprise a seating unit
connected
to the terminal that allows two individual users to sit side-by-side to view
and
interact with the user interface, including its terminal and touch screen.
Also,
2o included are audio speakers coupled to the terminal for the user to listen
to the
sounds associated with the information and transaction functions. At the same
time,
both visual and audio privacy is assured, particularly for those sessions
related to
personal transactions. The PBM is also designed to be suitable for two units
to be
placed back-to-to back and still ensure the privacy of simultaneous users.
25 The PBM invention includes the method wherein a user's interface with the
PBM is facilitated by either a card reading device or via the touch screen
device.
The first screen visible welcomes the user and explains and illustrates how
the PBM
is used. The PBM determines the user's identity based upon user identification
data, either directly read from a card reader device or manually inputted via
a touch
3o screen. If the user is an existing banking institution customer, the user's
identification data is verified by a remote processing unit. After
verification, the
main menu is displayed, at which time, the customer has access to both
information
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tool functions and transaction tool functions. If the user is a non-customer
she has
only access to the information tool functions, unless she starts a new
relationship
with the financial institution.
Information is presented using high quality graphics on a touch screen that
allows the users to navigate around the various functionalities, while at the
same
time, providing the user with information which gives a comprehensive overview
of
the specific products and services offered through the PBM, without the user
leaving
her present location. The invention is also a self service transactional
method and
device. The user interface design is be the "wrapper" look and feel touch
screen
to display. The PBM is located at, but not limited to, a local branch
facility.
The user is identified by the PBM and verified, if an existing customer, by a
remote processing unit. Touch screen buttons are displayed. From the Main
Menu,
the customer selects both information and transaction tool functions. If the
user is a
non-customer, then he only has access to the information functions, unless he
t5 establishes a financial relationship with the banking institution, at which
time, the
transaction functions is also accessible.
There are two categories of PBM users. They include existing bank
customers (bankcards holders, savings account holders, etc.) and non-customers
(potential customers). This segmentation defines both the access to available
2o technology and the type of information to be accessed.
Prior to performing obtaining banking-related information or performing a
transaction, the user is prompted by user interface to select one from the
group of
transaction functions and information functions. Subsequently, the selected
function
is displayed on the user interface.
25 In terms of the transaction functions, the user further selects one from
the
group of requesting personal checks, replenishment checks, cashier's checks,
bankcards, opening a new account, modifying an account, accessing the
Internet,
and requesting a demonstration, which is either video or graphical. These
functions
allow the user the unprecedented opportunity to enter into and conclude
banking-
3o related transactions on her own, which can only presently be performed with
the
assistance of a customer service representative.
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The PBM is a computerized secure system which enables the user to provide,
request a change and confirm her personal identification number by inputting
the
same into the user interface, which automatically transmits the personal
identification number to the remote processing unit, then automatically
registers the
personal identification number in the database. The remote processing unit
also
verifies existing personal identification numbers. -
When the user requests either a bankcard or a bank account modification, the
user interface automatically prompts the user to input the user's signature
into a
signature recording device. If the user is a non-customer, the remote
processing
1 o unit automatically updates the database identification data. If the user
is an existing
bank customer, the remote processing unit verifies the user's signature.
The PBM includes the capability to allow the user to requescand receive
assistance from a bank service representative. This feature ensures that the
user is
able to access and perform any of the provided functions of the PBM system, if
the
15 user encounters a problem, simply desires clarification on the operation of
the PBM,
or requires additional information regarding the banks products or services.
The
user and bank service representative are connected via two-way video
teleconferencing and/or a telephone.
After performing the selected transaction, the PBM is capable of generating
2o an output. This output comprises at least one from the group of personal
checks,
replenishment checks, cashier's checks, bankcards, activity summaries,
reports, and
information obtained from the Internet.
The method and system further comprises the steps of the user interface
prompting the user to select from one of a group of transaction functions,
such as
25 requesting personal checks, replenishment checks, cashiers checks,
bankcards,
opening a new account, modifying an account, accessing the Internet, and
requesting
a demonstration. The user then selects a function, after which the user
interface
displays the selected function.
In one embodiment of the present invention after the Main Menu is
3o displayed, the customer is prompted to select the type of check, either
personal,
replenishment or cashiers, which she desires to receive. The customer has the
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option of having the checks) generated by the PBM and issued at the time of
the
transaction or having the checks) mailed to a specified address.
In another embodiment of the present invention, the transaction tool function
method includes the step of selecting a function for obtaining personal
checks. The
user interface automatically displays the user's current address. The user
interface
automatically prompting the user to confirm or correct the user's current
address.
The correct address is transmitted from the user interface to the remote
processing
unit which automatically verifies the correct address. If the current address
has
been corrected, the remote processing unit automatically updates the database
t o information. The database information is automatically transmitted to the
user
interface.
Subsequent to these verification and updating steps, the userinterface
automatically prompts to see if she desires additional personal checks. If the
user
requests additional checks, the user interface automatically transmits the
request for
t 5 additional checks to the remote processing unit, which confirms the
request and
transmits a confirmation to the user interface. The additional personal checks
are
mailed to the user at her home address, if she chooses, or printed within the
PBM
and dispensed directly to the user.
The PBM displays customers current address, asks for verification, and for
2o the first check number that should be printed. After information
verification, the
checks begin to be printed, and customer picks them up from the dispenser.
Once
the transaction is completed, the user exits back to the main menu and select
another
transaction tool function, information tool function, or further exit from the
PBM.
Another embodiment of the transaction tool function method includes the
25 step of selecting the function for obtaining replenishment checks. The user
interface
automatically prompts the user to request replenishment checks. After
receiving the
check request, the user interface automatically transmits the request for the
checks
to the remote processing unit. The remote processing unit confirms the request
for
the checks and transmits a confirmation to the user interface, which
automatically
3o displays the user's current address. The user is then automatically
prompted to
confirm or correct her current address. If the address is incorrect, the user
inputs a
corrected current address. The user interface automatically transmits the
current
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address to the remote processing unit, which automatically verifies the
current
address. If the current address has been corrected, the remote processing unit
automatically updating the database information, followed by the remote
processing
unit automatically transmitting database user information to the user
interface.
Additionally, the user is automatically prompted to select a style of
replenishment check. The user sees the displayed check style and subsequently
confirm her selection or change the previously selected style. Also, the user
confirms the check information, however, if the check information is
incorrect, the
user then inputs corrected check information. The user is allowed to enter the
first
to check number to be printed. The user interface automatically prompts the
user to
select to either have the checks mailed to the user or to have the checks
printed and
dispensed directly to the user.
Another embodiment of the transaction tool function method includes the
step of selecting the function for obtaining a cashier's check. The user
interface
automatically prompts the user to input payee identification information and a
check
amount. The image of the check is displayed and the user interface
automatically
prompting the user to confirm the information displayed on the check. Once the
user confirms that the check information is correct, it is automatically
transmitted to
the remote processing unit and verified.
2o If the information has been corrected, the remote processing unit
automatically updates the database check information then transmits database
check
information back to the user interface. The PBM automatically prints the check
followed by dispensing of it directly to the user, along with an envelope and
a
receipt.
Another embodiment of the transaction tool function method includes the
step of selecting the function for obtaining a bankcard. The user interface
automatically prompts the user to input her signature into a signature
recording
device. Following this, an image of the bankcard including the user
identification
data is displayed. The user is then prompted to confirm the data displayed on
the
3o bankcard. If any of the bankcard data is incorrect, the user inputs
corrected user
identification data. The correct bankcard data is automatically transmitted to
the
remote processing unit, which is subsequently verified and used to update the
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database. The bankcard data is then transmitted back to the user interface.
The
PBM automatically prints the bankcard followed by dispensing it directly to
the
user.
Additionally, the user interface prompts the user to input additional or
updated information, after in input of which, the PBM automatically stores the
information on the bankcard prior to the dispensing of the bankcard.
After the Main Menu is displayed, the customer is prompted to select the
account tool function which allows the user to open a new account or modify an
exiting account. This transaction tool function allows a non-customer to
establish a
to new banking relationship with the banking institution.
Another embodiment of the transaction tool function method includes the
step of selecting the function for opening a new account. The user interface
automatically prompts the user to input the user's identification data. The
user
interface automatically prompts the user to input her signature into a
signature
t 5 recording device. The user interface displays the user identification data
and asks
the user to confirm the data. If the data is incorrect, the user inputs
corrected user
identification data. The correct user's identification data is automatically
transmitted to the remote processing unit, which automatically updates the
database
identification data.
2o This embodiment includes a verification step which takes place after
information is transmitted to the remote processing unit. Such verification
further
comprises the step of accessing non-bank remote processing unit databases,
such as
credit reporting agency databases.
The user interface automatically prompts the user to select a means of
25 funding for the new account. The user then specifies a means of funding
such as: 1)
an existing account, which further includes the steps of the user inputting
user
identification data, such as account information and a personal identification
number, 2) a bankcard, which further includes the step of the user inputting
bankcard data into the user interface, including a bankcard issued by another
3o financial institution, 3) cash, including inputting it into the user
interface, and 4) a
check. The selected means and amount of funding is inputted into the user
interface. The user selects and confirms the selected source and amount of
funding.
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The information about the selected source and amount is automatically
transmitted
to the remote processing unit, which automatically, verifies the selected non-
cash
means and amount and automatically records the selected source and amount. The
selected amount, once verified, is credited to the user's new account.
In an additional embodiment, the user is automatically prompted to choose to
have their image acquired by means of a camera and if the user does choose to
have
an image acquired, the image is automatically displayed to the user, wherein
the
user is subsequently automatically prompted to accept or re-acquire the user's
image. The acquired image is automatically transmitting to the remote
processing
1 o unit. The image is then automatically printed on a bankcard which is to be
subsequently dispensed to the user. The user is also automatically prompted to
provide additional personal information by means of the user's voice which is
electronically acquired and automatically transmitted to the remote processing
unit.
An embodiment of the transaction tool function method includes the step of
15 selecting the function for modifying an existing account. The user
interface
automatically prompts the user to request a change to her user identification
data by
inputting such changes into the user interface, which automatically displays
the new
user identification data. After the changes are confirmed by the user, the
user
interface automatically transmits the new user identification data to the
remote
2o processing unit; which verifies the identification data and updates the
database.
Such updated information is be exchanged between a first account and a second
account. The first account is ordinarily an existing customer account and the
second
account can be either another existing customer account or a non-customer
account.
Such non-customer account can be an account established and maintained by
another
25 financial institution, such as a bank, investment management company, etc.
An embodiment of the transaction tool function method includes the step of
selecting the function for accessing the Internet. The user interface
automatically
prompts the user to select Internet-based transaction information. The user
interface
automatically transmits the request for Internet-based transaction information
to a
3o remote processing unit, which automatically accesses the requested Internet-
based
transaction information. The remote processing unit then automatically
transmits
the requested Internet-based transaction information to the user interface for
display
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followed by the user performing an Internet-based transaction. The types of
Internet-based transactions include those that would involve the payment, use,
receipt, transference or management of money or other financial instruments.
An embodiment of the PBM, associated with the transaction tool function
includes the use of a camera, either digital or video, which acquires the
user's
image. The PBM also includes a means for transmitting a user's image to the
remote processing unit.
An embodiment of the PBM, associated with the transaction tool function
includes the use of a microphone for acquiring the user's voice. The PBM also
to includes a means for transmitting a user's voice to the remote processing
unit.
The PBM allows a user to access a wide range of banking related
information from banking databases and the Internet. The PBM method and system
further comprises the steps and capability for the user to select from among a
group
of information tool functions, after which the user interface displays the
selected
i 5 function. Subsequent to the selection of an information tool function, the
user is
presented with an option to request assistance from a bank service
representative to
solve any problems or clarify any information which has been presented.
Because
one of the pximary functions of the information tool function is to increase
the
understanding of non-customers regarding the bank's various products and
services,
2o it is useful to provide the non-customer with the opportunity to begin a
new
relationship with the bank. Accordingly, the user interface automatically
prompts
the user to start a new relationship with the bank. This new relationship
ordinarily
includes the opening of an account with the bank. Once the user has become a
customer she can begin to have access to the full range of banking products
and
25 seances.
An embodiment of the information tool function includes the step of selecting
bank savings account information. The user interface automatically prompts the
user to select savings information and automatically transmits a request for
savings
information to a remote processing unit, which then automatically transmits
savings
3o information to the user interface. The user is subsequently prompted by the
user
interface to request to receive printed savings information, which is printed
and
dispensed directly to the user.
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In another embodiment of the present invention, the information tool
function includes the step of selecting bank savings loan service information.
The
user interface automatically prompts the user to select loan service
information and
automatically transmits a request for loan service information to a remote
processing
unit, which then automatically transmits the requested loan service
information to
the user interface. The PBM allows the user to obtain printed loan service
information. When the user requests printed loan service information it is
printed
by the PBM and delivered directly to the user interface.
An embodiment of the information tool function method includes the step of
I o selecting home banking products and services information. The user
interface
automatically prompts the user to select home banking products and services
information. Once selected, the user interface automatically transmits the
request
for home banking products and services information to a remote processing
unit,
which automatically transmits home banking products and services information
to
t 5 the user interface. The user has the opportunity to receive printed home
banking
products and services information. The PBM prints home banking products and
services information and delivers them directly to the user.
An embodiment of the information tool function method includes the step of
selecting travel services account information. The user interface
automatically
2o prompts the user to select travel services information. When requested, the
user
interface automatically transmits the request to a remote processing unit,
which
automatically transmits the requested travel services information to the user
interface. The user interface automatically prompts the user to request to
receive
printed travel services information. The PBM prints the requested travel
services
25 information and delivers it directly to the user.
In another embodiment of the present invention, the information tool
function method the PBM provides the user with the capability to access
Internet-
based information. The user interface automatically prompts the user to
receive
Internet-based information. If requested, a request is automatically
transmitted to a
so remote processing unit, which then automatically accesses the requested
Internet
based information. The Internet-based information is transmitted to the user
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interface, which displays the information. The PBM allows the user the option
of
receiving printed Intenet-based information directly.
An embodiment of the information tool function method includes the step of
selecting a video or graphical demonstration of the bank's products and
services. In
the case where the user desires a video demonstration, the user selects a
function
wherein the user interface automatically prompts the user to request such a
demonstration, which is then automatically displayed. The user interface
automatically transmits a request for a video demonstration to a remote
processing
unit, which, in turn, transmits the video demonstration to the user interface.
to When a graphical demonstration is selected by the user, the user interface
automatically displays a graphical demonstration. The user interface
automatically
transmits a request for a graphical demonstration to a remote processing unit,
which
automatically transmits the graphical demonstration to the user interface. The
PBM
allows the user to receive selected frames from the graphical demonstration,
which
15 is then printed and delivered directly to the user.
Also, a CD ROM drive is housed within and coupled to the terminal to
provide for reading of terminal-based information product and service data
locally.
Reference will now be made in detail to the PBM system and method by
means of flowcharts and sample user interface screens.
2o FIG. 1 illustrates the overall configuration of the PBM system. As shown in
FIG. 1, the PBM station 1 for an embodiment of the present invention includes
a
dispensing slot 2 for checks, money orders, receipts and printouts. The PBM
has a
camera/speaker compartment 3. Bankcard dispensing slot 4 is for is used for
delivering PBM generated and issued cards. The drop box depositor 5 allows the
a
25 user to make deposits directly into the PBM. The signature stylus 6 and
digital
signature pad 7 allow the PBM to acquire the signature of a user. Included in
the
PBM is a card reader slot 8 for reading encoded user bankcard information. The
PBM has a windows-based user interface touch screen 9 which permits the user
to
perform transaction functions and acquire banking and related product
information.
30 FIG. 2 presents an overall perspective view of the PBM station 1
illustrating
its size relative to two sitting chairs for the users.
FIGS. 3-4 contain block diagrams of the PBM functions.
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FIG. 3 illustrates a block diagram of the two groups of tool functions which
are performed by the PBM. From the main menu 10, the user chooses from either
a
transaction tool function 11 or an information tool function 12. The
transaction tool
includes functions for checks 13, bankcard 14, account 15, Internet 16,
demonstration 30 and loan transactions. The information tool functions
includes
savings 19, loan 20, home banking 21, travel 22, Internet 23 and demonstration
24
information.
FIG. 4 illustrates the transaction tool 11 functions wherein the check
function 13 further includes functions for obtaining personal 25, replacement
26 and
to cashier's 27 checks. The account 15 function included functions which
permit a
new account to be opened 28 and account information to be modified 29a. The
demonstration 30 function allows the user to obtain a video 30 or graphical 31
demonstration of bank products and services.
FIGS. 5-10 contain flowcharts of the methods of performing system
transactions.
FIG. 5 depicts a flowchart of process steps for a user who possesses an
existing account with the bank who chooses to access the PBM with a bankcard.
An
initial screen 32 welcomes the user to the bank and the PBM. The user is
prompted
33 to insert her bankcard into a card reader. Automatically, information is
obtained
2o from the customer database 34 about the user. The user is then prompted to
select a
service 35, which includes various transaction and information functions, such
as
opening an account 28, getting checks 13, obtaining a bankcard 14. The user
modifies account information, such as changing her address of record 29b. Loan
18
and credit card applications 18 can be selected and completed. Internet access
16 to
2s bank product information can be selected, along with a video or graphical
demonstration 30 of bank products and services.
FIG. 6 illustrates the flowchart process steps for a user who possesses an
existing account with the bank and who chooses to access the PBM thru the
touch
screen 9. From the welcome screen 32, the user touches the screen 36 to
initiate
3o access to the PBM. The user is prompted to enter information 37, such as
first and
last name. This information is transmitted and checked against the customer
database 34. The PBM then automatically determines if the user is an existing
bank
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customer 38. If the user is not, she is then prompted to select a service 35.
The
service includes a demonstration 30, opening an account 28, or accessing the
Internet 16 for information regarding bank products or services. If the user
is an
existing customer, she is prompted to select a service 35 which is available
to
customers having existing banking accounts. In this manner, the customer
performs
various banking transactions and obtain information regarding the banks
products
and services.
FIG. 7 depicts a flowchart of the process steps for a user who may or may
not possess an existing account with the bank, but who chooses to access the
PBM
i o with a bankcard issued by another banking institution. After the initial
presentation
of the welcome screen 32, the user inserts 39 her bankcard into a bankcard
reader.
The PBM automatically checks the customer database 34 to determitre if the
information read from the user's bankcard is that of an existing customer. If
the
user is not an existing customer, the PBM automatically prompts her to input
t 5 information 37 by means of the touch screen. The non-customer is then
prompted
to select a service 35 which includes a demonstration 30, opening and account
28 or
accessing the Internet 16 for information regarding bank products or services.
After
the non-customer has accessed a particular service she can choose another
service 40
during her the PBM session. If the user is an existing customer, then she is
2o prompted to select a service 35 which is available to customers having
existing
banking accounts. Thus, the PBM allows both existing customers and non-
customers to access the functions of the PBM.
FIG. 8 illustrates a flowchart of the process of opening an account. An
existing banking customer starts 41 the process by selecting the open account
25 function 28. The customer then is prompted to enter her PIN 42. A non-
customer
starts 41 the process by being prompted and entering personal information 43,
such
as address, phone, social security and driver license information. The PBM
automatically verifies the customer PIN or inputted information 44. This
information is verified by accessing a customer database 34 and/or other
3o customer/non-customer background databases 45. Such other databases 45 may
include, but are not limited to credit reporting files and public records. If
the
PIN/data is not valid 46, the customer is notified of the PBM's receipt of
incomplete
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information or a negative verification result 47. In this circumstance, the
customer
would be prompted to select a new service 40.
If the PIN/data is valid, the customer is prompted to select an account type
48. The customer is then prompted to select a deposit method 49. .The customer
may also call a customer service representative for assistance S0. The
selected
method of deposit includes using a bankcard S1, electronic transfer of funds
from
another account S2 and depositing a check 53. The customer credit/deposit
information is verified S4, by electronically accessing a database or data
storage
center or facility S5. If the deposit is successful 56, the customer is
prompted to
to sign the terms of the account banking agreement S8 with the stylus 6 and
signature
pad 7. The customer then selects a new service 40. If the deposit was
unsuccessful,
the customer is notified of the reason why the deposit was not accepted S7.
FIG. 9 illustrates a flowchart of the process of obtaining checks from the
PBM. An existing banking customer starts 41 the process by selecting the check
~ 5 function 13. The PBM automatically determines weather or not the customer
has
already inputted her PIN S9. If the customer has not, then she is prompted to
enter
her PIN, having it automatically verified 60 by accessing customer information
stored in a customer database 34. If the PIN is not valid, the customer can
select a
new service 40. When the PBM has received a valid PIN, the customer is then
2o prompted to select the type of check 62 that she wants dispensed. The types
of
checks include starter 2S, replenishment 26 and cashiers 27. Following check
selection, the customer is prompted to select a new service 40.
FIG. ZO illustrates a flowchart of the process of obtaining a bankcard from
the PBM. An existing banking customer starts 41 the process by selecting the
25 bankcard function 14. The PBM automatically determines weather or not the
customer has akeady inputted her PIN S9. If the customer has not, then she is
prompted to enter her PIN having it automatically verified 60 by accessing a
customer information stored in a customer database 34. If the PIN is not valid
the
customer can select a new service 40. When the PBM has received a valid PIN,
it
3o automatically determines weather or not the customer's signature has been
acquired
63. If a signature has been previously acquired, the bankcard is printed with
the
customer's signature 66 and the customer is then prompted to select a new
service
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40. If a signature has not yet been acquired, the customer is asked to sign
her name
64 utilizing the signature stylus 6 and the signature pad 7. Once the
customer's
signature has been acquired, she is prompted to accept the signature 64 as
written.
If the customer does not accept the signature, she is prompted to once again
to sign
s her signature once again. When the customer accepts the signature, the
bankcard is
printed with the customer's signature 65 and the customer is then prompted to
select
a new service 40.
FIGS. 11-8 contain examples of windows-based PBM screens from the PBM
for the present invention.
to FIG. 11 illustrates the PBM touch screen 100 portion of the user interface.
This screen welcomes the user to the PBM. The screen contains several tool
function buttons, including "Open Account" 101, "Get Check" 102; "Get
Citicard"
103, "Change Address" 104, "About Citibank" 105, "About PC Banking" 106 and
"Exit" 107. The screen 100 prompts the user to insert her bankcard, e.g., ATM
15 card, credit card, etc. The screen 100 also includes a "hot spot" 108 that
is a
portion of the touch screen 100 which allows the user to access the PBM
services
without the use of a bankcard.
FIG. 12 depicts a screen 110 which prompts the user to select a PBM
service.
2o FIG. 13 illustrates a screen 120 wherein the user is presented with a
graphical keyboard that allows the user to enter their name within several sub-
windows 122 that appear on the screen.
FIGS. 14A-14G illustrate PBM screens 130-190 associated with opening a
bank account.
25 FIG. 14A includes a keyboard which allows the user to open up a bank
account by inputting personal information within several sub-windows 131 of
the
touch screen 130. This personal information, such as name, address, business
phone, drivers license, etc., allow the banking institution establish customer
information to be stored in the customer database. The screen also includes
textual
3o narrative which provides directive guidance to the user to assists her in
inputting
information and making decisions regarding the selection and use of PBM
functions.
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FIG. 14B also relates to the opening of a banking account. The user is
promoted to verify the requested information. Once the inputted information is
verified by the user, the PBM screen prompts the user to continue onto the
next
screen by pressing the "Next" button 141.
FIG. 14C depicts a screen 150 which permits the user to select the type of
account she would like to open. The screen includes a sub-window illustrating
the
Account Types available, including Checking 152, Savings 153, and CD Account
154. The screen also prompts the user to deposit money into the new account by
means of "Yes" 155 and "No" 156 buttons. The screen also includes a "Call
1 o Customer Service" button 157 which allows the user to request and contact
a
customer service representative to obtain assistance or information regarding
the
banks products and services.
FIG. 14D illustrates a screen 160 in which a customer service representative
has been requested and contacted. The representative appears in a video sub-
s 5 window 161. When the user completes her request for assistance from the
representative, the user simply presses the "Hang Up" button on the touch
screen
162.
FIG. 14E illustrates a screen 170 which appears subsequent to the user
choosing to deposit money into a new account. The screen includes a keyboard
121
2o and sub-windows for the user to input the source of the money and relevant
account
information. In this particular screen, the "Transfer Money From" 171 and the
"Bank Account Info" 172 sub-windows appear, based upon the user's selection of
a
"bank account" on the screen. If the user had selected a bankcard or credit
cart as
the transfer source, a related sub-window would have appeared, as opposed to
the
25 "Bank Account Info" sub-window 172. The screen also includes a "Call
Customer
Service" button to request assistance from a customer representative.
FIG. 14F depict the acquired user signature. The screen 180 shows the
customer account agreement. while the user is prompted to provide her
signature to
indicate acceptance of the terms of the agreement. The user provides her
signature
3o by means of the signature stylus 6 and the signature pad 7, as provided in
Fig. 1.
The user's signature 181 appears on the screen. The user is also prompted to
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sign or accept written signature, by means of "Sign Again" 182 and "Accept
Signature" 183 buttons.
FIG. 14G. illustrates the successful completion of the user opening an
account. The user is prompted to receive a record of the account opening
transaction, get a bankcard or obtain checks. The user accepts or rejects
these
choices by pressing the "Yes" 191 or "No" 192 buttons provided on the screen.
When the user has completed the account opening, she selects the "Done" button
193 to continue to select additional PBM services.
FIGS. 15A-15I 200-280 illustrate screens for the selection of the PBM check
to functions.
FIG. 15A illustrates a screen 200 which allows the customer to select
"Starter Checks" 201, "Replenishment Checks" 202, and "Cashiers-Checks" 203.
The customer is prompted to select the type of checks desired. Textual
narrative is
provided to assist the customer in completing her check transactions.
FIG. 15B shows a Starter Check 211. The screen 210 also includes "Print"
212 and "Done" 213 buttons which allow the user to print the requested starter
checks and complete this check transaction.
FIG. 15C shows a Starter Check 211 while textual narrative is presented
informing the user of the status of her request. The user is also prompted to
press
2o the "Done" button 221 after she has received the checks.
FIG. 15D presents a Replenishment Check 231. The screen 230 includes a
sub-window 232 which allows the customer to select the beginning check number
of
the replenishment checks. The desired beginning check number is inputted by
means of the graphical user keyboard 121 which is also shown in the screen.
FIG. 15E shows a Replenishment Check 231 while prompting the customer
to modify the inputted information, print the check or complete the
transaction.
"Edit" 241, "Print" 242 and "Done" 243 buttons are included to permit the
customer to answer the PBM prompts.
FIG. 15F shows a screen which appears after the customer has selected to
3o print the Replenishment Checks 231. The user is also prompted to press the
"Done" button 251 after she has received the checks.
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FIG. 15G presents a Cashiers Check 261. The screen 260 includes a
graphical user keyboard 121 for inputting relevant check information, such as
amount, payee, etc., into sub-windows 262.
FIG. 15H shows a Cashiers Check 261 while prompting the customer to
s modify the inputted information, print the check or complete the
transaction.
"Edit" 271, "Print" 272 and "Done" 273 buttons are included to permit-the
customer to answer the PBM prompts.
FIG. 15I shows a screen which appears after the customer has selected to
print the Cashiers Checks 261. The customer is also prompted to press the
"Done"
to button 281 after she has received the checks.
FIGS. 16A-16E illustrate PBM screens 290-330 for the selection of the PBM
bankcard, e.g., Citicard, functions. -
FIG. 16A illustrates a screen 290 which appears subsequent to the customer
selecting to obtain a bankcard. The customer is prompted to "Touch Here" 291
in
t 5 order to proceed with the printing and dispensing of the PBM generated
bankcard.
FIG. 16B presents the image of the customers bankcard 301 prior to her
acceptance of it. The customer's signature is also displayed on the bankcard.
The
customer is then prompted to accept the signature by pressing a "Touch Here"
button 302 or re-sign by selecting a "Try Again" button 303.
2o FIG. 16C shows a graphical keypad 311 having a sub-window 312 for
displaying customer inputted data and/or confirmation of such data. The screen
also
displays textual directive guidance to assist the customer in inputting and
selecting a
PIN.
FIG. 16D illustrates a screen 320 which informs the customer that the PBM
25 is printing her bankcard.
FIG. 16E illustrates a screen 330 which informs the customer that her
bankcard has been dispensed from the bankcard slot 4 of Fig. 1. After the
customer
removes the bankcard from the PBM she presses the displayed "Touch Here" 331
button to continue with other PBM tool function.
3o FIG. 17 shows a PBM screen 340 displaying an Internet Web-site. The
screen presents information about the PBM bank. As illustrated in this Figure,
the
customer has selected the Internet tool function 16 of Fig. 3, by means of
pressing
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the "About the Bank" button 105. The PBM's capability to access the Internet
allows the PBM user to obtain large amounts of information regarding, not only
the
banks products and services, but also the bank as an institution, as well as
other
banking related Internet Web sites.
FIG. 18 presents a PBM screen 350 displaying a video demonstration 30.
The screen presents videographic information 351 about the banks products and
services. A "Next" button 352 is included to allow the user to continue with
obtaining additional information.
Embodiments of the present invention have now been described in fulfillment
0 of the above objects. It will be appreciated that these examples are merely
illustrative of the invention and will be apparent to those of ordinary skill
in the art
who examine and practice the present invention.
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