Citicorp Development Center, Inc.

Citibank, N.a.

Citicorp Credit Services, Inc. (usa)

Ronald Padalino

Philip C Shinn

Nigel Pinnell

Wigberto Yu

Horton W Jennings

Nigel R Pinnell

Robert Peralta

A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.

System and method for automated debiting and settling of financial transactions

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

Automated multilingual interactive system and method to perform

Growing community of inventors

Westlake Village, CA, United States of America

Ronald Padalino