The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Sep. 24, 2013

Filed:

Nov. 17, 2011
Applicants:

Michael L. Grandcolas, Santa Monica, CA (US);

Nancy Bryant, Los Angeles, CA (US);

Howard A. Schechtman, Agoura Hills, CA (US);

Dilip J. Parekh, Los Angeles, CA (US);

Inventors:

Michael L. Grandcolas, Santa Monica, CA (US);

Nancy Bryant, Los Angeles, CA (US);

Howard A. Schechtman, Agoura Hills, CA (US);

Dilip J. Parekh, Los Angeles, CA (US);

Assignee:

Citibank Development Center, Inc., Los Angeles, CA (US);

Attorneys:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/02 (2012.01); G06Q 40/00 (2012.01); G07F 19/00 (2006.01);
U.S. Cl.
CPC ...
G06Q 40/02 (2013.01); G07F 19/203 (2013.01); G07F 19/00 (2013.01);
Abstract

A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. The system and method operate in sessions and, for instance, 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. The system and method provide state-of-the art interfaces that can be configured and delivered to the customer in a globally consistent format that is based on the customer's account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.


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