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Patent

Method and system for remote delivery of retail banking services

TL;DR: In this paper, a practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base.
Abstract: A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line display, keys “pointing to” lines on the display, and additional keys. Contact is established between the terminals and a central computer operated by a service provider, preferably over a dial-up telephone line and a packet data network. Information exchange between the central computer and the terminal solicits information from the terminal user related to requested financial services (e.g., for billpaying, the user provides payee selection and amount and his bank account PIN number). The central computer then transmits a message over a conventional ATM network debiting the user's bank account in real time, and may pay the specified payees the specified amount electronically or in other ways as appropriate. Payments and transfers may be scheduled in advance or on a periodic basis. Because the central computer interacts with the user's bank as a standard POS or ATM network node, no significant software changes are required at the banks' computers. The terminal interface is extremely user-friendly and incorporates some features of standard ATM user interfaces so as to reduce new user anxiety.
Citations
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Patent
12 Mar 2004
TL;DR: In this paper, the authors present methods and apparatuses for targeting the delivery of advertisements over a network such as the Internet, and the use of advertisements is tracked to permit targeting of the advertisements of individual users.
Abstract: Methods and apparatuses for targeting the delivery of advertisements over a network such as the Internet are disclosed. Statistics are compiled on individual users and networks and the use of the advertisements is tracked to permit targeting of the advertisements of individual users. In response to requests from affiliated sites, an advertising server transmits to people accessing the page of a site an appropriate one of the advertisement based upon profiling of users and networks.

2,131 citations

Patent
11 Sep 1998
TL;DR: In this paper, a method and system for placing an order to purchase an item via the Internet is described, where an order is placed by a purchaser at a client system and received by a server system.
Abstract: A method and system for placing an order to purchase an item via the Internet. The order is placed by a purchaser at a client system and received by a server system. The server system receives purchaser information including identification of the purchaser, payment information, and shipment information from the client system. The server system then assigns a client identifier to the client system and associates the assigned client identifier with the received purchaser information. The server system sends to the client system the assigned client identifier and an HTML document identifying the item and including an order button. The client system receives and stores the assigned client identifier and receives and displays the HTML document. In response to the selection of the order button, the client system sends to the server system a request to purchase the identified item. The server system receives the request and combines the purchaser information associated with the client identifier of the client system to generate an order to purchase the item in accordance with the billing and shipment information whereby the purchaser effects the ordering of the product by selection of the order button.

1,828 citations

Patent
24 Oct 1995
TL;DR: In this article, a network-based sales system includes at least one buyer computer for operation by a user desiring to buy a product, a merchant computer, and a payment computer.
Abstract: A network-based sales system includes at least one buyer computer for operation by a user desiring to buy a product, at least one merchant computer, and at least one payment computer. The buyer computer, the merchant computer, and the payment computer are interconnected by a computer network. The buyer computer is programmed to receive a user request for purchasing a product, and to cause a payment message to be sent to the payment computer that comprises a product identifier identifying the product. The payment computer is programmed to receive the payment message, to cause an access message to be created that comprises the product identifier and an access message authenticator based on a cryptographic key, and to cause the access message to be sent to the merchant computer. The merchant computer is programmed to receive the access message, to verify the access message authenticator to ensure that the access message authenticator was created using the cryptographic key, and to cause the product to be sent to the user desiring to buy the product.

1,697 citations

Patent
Rick Dedrick1
03 Nov 1994
TL;DR: In this paper, a method and apparatus for providing electronic advertisements to end users in a consumer best-fit pricing manner includes an index database, a user profile database, and a consumer scale matching process.
Abstract: A method and apparatus for providing electronic advertisements to end users in a consumer best-fit pricing manner includes an index database, a user profile database, and a consumer scale matching process. The index database provides storage space for the titles of electronic advertisements. The user profile database provides storage for a set of characteristics which correspond to individual end users of the apparatus. The consumer scale matching process is coupled to the content database and the user profile database and compares the characteristics of the individual end users with a consumer scale associated with the electronic advertisement. The apparatus then charges a fee to the advertiser, based on the comparison by the matching process. In one embodiment, a consumer scale is generated for each of multiple electronic advertisements. These advertisements are then transferred to multiple yellow page servers, and the titles associated with the advertisements are subsequently transferred to multiple metering servers. At the metering servers, a determination is made as to where the characteristics of the end users served by each of the metering servers fall on the consumer scale. The higher the characteristics of the end users served by a particular metering server fall, the higher the fee charged to the advertiser.

1,523 citations

Patent
14 Jun 2016
TL;DR: Newness and distinctiveness is claimed in the features of ornamentation as shown inside the broken line circle in the accompanying representation as discussed by the authors, which is the basis for the representation presented in this paper.
Abstract: Newness and distinctiveness is claimed in the features of ornamentation as shown inside the broken line circle in the accompanying representation.

1,500 citations

References
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Patent
07 Mar 1984
TL;DR: In this paper, a portable electronic transaction device and a terminal are presented, which is arranged to operate in either a stand-alone mode during which it monitors itself for abnormal conditions or in an operating mode for the transmission of information there between.
Abstract: A portable electronic transaction device and a terminal therefor. The device comprises a central data processor, a fixed memory, an adaptable memory, optical means for transmitting and receiving information to and from the terminal and self-contained power source means, such as an on-board battery. The device is arranged to operate in either a stand-alone mode during which it monitors itself for abnormal conditions or in an operating mode during which it communicates with said terminal for the transmission of information therebetween. The device also includes cryptographic means for encrypting outgoing information and decrypting incoming information in accordance with cryptographic information stored in its memory. The cryptographic information is modified as a function of time by clock means in the device and/or a function of information transmitted to the device by the terminal or stored in the device. During the standby mode of operation the device monitors itself, whereas in its operational mode it communicates with the terminal. Power for the standy mode is provided, via the on-board battery. Power for the operation of the device in the operational mode is provided via photocells in the device which are arranged to receive light from lamp means in the terminal.

406 citations

Patent
08 Nov 1990
TL;DR: A telephone configured as a programmable microcomputer (2) (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input is described in this paper.
Abstract: A telephone configured as a programmable microcomputer (2) (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input (3). The telephone-computer (2) has the overall appearance of a telephone and includes telephone electronics and a microprocessor unit operated in conjunction with other computer elements, including memory devices, a programmable gate array (PGA) chip which can be initially programmed and then fixed, and enhanced integrity features. The PGA has the capability of being configured to accomodate various types of software which require different hardware configuration, but without actually reconfiguring the hardware. The telephone-computer (2) delivers data processing capabilities and services through an ordinary telephone instrument via conventional telephone lines (78) with a network host computer (68) which communicates with a vast panoply of service bureaus (80a-80d). Specifically, operating software is downloaded to the telephone-computer (2) by the network host computer (68) to format the microcomputer to conform to the software format used by the service bureaus (80a-80d).

388 citations

Patent
18 Jul 1986
TL;DR: In this article, the authors present a system for determining and accounting for the costs of transactions, where the system includes an input device which is located at the shipper's (or other buyer's) premises and a central data processing facility.
Abstract: A system for determining and accounting for the costs of transactions. The system is particularly suited for determining and accounting the costs of shipping goods. The system includes an input device which is located at the shipper's (or other buyer's) premises and a central data processing facility. The input device receives information defining a shipment sufficiently so that the cost of that shipment may be determined in accordance with the rates of a carrier (or other seller), and uploads the information to the central data processing facility. Preferably, the input device includes rate information and software for determining shipment costs locally. The central data processing facility maintains accounts for a shippers and carriers, appropriately debits and credits costs for each shipment and periodically issues statements of their accounts to all shippers and carriers. In a preferred embodiment, shippers may maintain a payment account with a trustee bank and the system may from time to time issue instruction to the trustee bank to make appropriate payments to each carrier. In another embodiment, carriers may from time to time enter new rate information into the system.

361 citations

Patent
14 Oct 1985
TL;DR: In this article, a method and apparatus for verifying the proper airing of television programs having a digital identification code recorded on a preselected scan line which is not normally visible to the television viewer is presented.
Abstract: A method and apparatus for verifying the proper airing of television programs having a digital identification code recorded on a preselected scan line which is not normally visible to the television viewer. A plurality of television channels are automatically simultaneously monitored by a primary monitoring system (50, 70, 52, 56, 58) at a site (30) within the reception area and broadcast encoded programs are identified and timed and appraised as to their audio and video signal quality. The information generated is stored locally for later comparison with centrally stored (62) information specifying the programs that should have been aired. Each of the channels is sequentially monitored for a preselected fixed time interval, which depends on the number of channels being monitored, under the control of a programmable sequential controller (54). A secondary monitoring system (50A, 70A, 52A, 56A, 58A) is provided for use as a backup or for monitoring cable channels. A recorder (74) responsive to a code recorded in the program signal, is provided for locally recording the final portion of the program.

360 citations

Patent
30 Nov 1984
TL;DR: In this article, a pocket size data terminal (12) for use by a large number of consumers in a system with which goods or services can be conveniently and automatically ordered is presented.
Abstract: A pocket size data terminal (12) for use by a large number of consumers in a system with which goods or services can be conveniently and automatically ordered. A plurality of data terminals (12.1-12.n) which can automatically dial a local processing center (LPC) (14) are distributed among users each of whom can address the LPC with a unique user identification and an internal terminal identification. The terminal (12) is internally battery powered. Each data terminal (12) can accumulate orders for goods or services in a send memory (136) while the terminal is unencumbered by any external connector. When subsequently connected to a phone line modular jack, upon command by a user, send memory (136) contents are automatically sent to an LPC (14) in a short burst. The LPC (14) verifies the use of the terminal (12), the authorization of the requested service and format of the data as well as other items as may be included in the order. Upon verification, the LPC (14) returns an appropriate message for visual display at the terminal and processes the order to suppliers of the requested goods or services.

358 citations