Title:
PERSONAL COMPUTER BANKING SYSTEM AND METHOD
Document Type and Number:
WIPO Patent Application WO1999030263
Kind Code:
A3
Abstract:
A personal computer banking system and method in which a personal computer (10) is connected by a network service provider (14) directly to a host computer system (24) of a bank such that customer service requests can be processed automatically without need for intervention by customer service representatives. The system is capable of distinguishing between those customer service requests which are capable of automated fulfillment and those requests which require handling by a customer service representative. The system is integrated with the host computer system (24) of the bank so that the remote banking customer can access other automated services of the bank. The method of the invention includes the steps of inputting a customer banking request from among a menu of banking requests at a remote personnel computer; transmitting the banking requests to a host computer (24) over a network (14); receiving the request at the host computer; identifying the type of customer banking request received; automatic logging of service request, comparing the received request to a stored table of request types, each of the request types having an attribute to indicate whether the request type is capable of being fulfilled by a customer service representative or by an automated system; and, depending upon the attribute, directing the request either to a queue for handling by a customer service representative or to a queue for processing by an automated system.
Inventors:
SCHURKO PATRICIA
MASARIK PAUL
HUDDLE DONNA
MASARIK PAUL
HUDDLE DONNA
Application Number:
PCT/US1998/026300
Publication Date:
August 26, 1999
Filing Date:
December 10, 1998
Export Citation:
Assignee:
KEYCORP (US)
International Classes:
G06Q20/10; G06Q40/00; (IPC1-7): G06F17/60
Other References:
KAY A S: "BANKING ON THE NET--THE MOST CONSERVATIVE BUSINESS HAS SOME VERY 'OUT THERE' TECHNOLOGY", XP002920767, Retrieved from the Internet [retrieved on 19990305]
DATABASE DIALOG AMERICAN BANK 1 January 1900 (1900-01-01), XP002920768, Database accession no. 0155498
DATABASE DIALOG BANKING INFOR 1 January 1900 (1900-01-01), XP002920769, Database accession no. 00253027
DATABASE DIALOG AMERICAN BANK 1 January 1900 (1900-01-01), XP002920770, Database accession no. 0222473
DATABASE DIALOG BUSINESS AND 1 January 1900 (1900-01-01), XP002920771, Database accession no. 01586830
DATABASE DIALOG AMERICAN BANK 1 January 1900 (1900-01-01), XP002920768, Database accession no. 0155498
DATABASE DIALOG BANKING INFOR 1 January 1900 (1900-01-01), XP002920769, Database accession no. 00253027
DATABASE DIALOG AMERICAN BANK 1 January 1900 (1900-01-01), XP002920770, Database accession no. 0222473
DATABASE DIALOG BUSINESS AND 1 January 1900 (1900-01-01), XP002920771, Database accession no. 01586830
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