최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0469354 (1995-06-06) |
우선권정보 | EP-0901390 (1990-12-10) |
발명자 / 주소 |
|
출원인 / 주소 |
|
대리인 / 주소 |
|
인용정보 | 피인용 횟수 : 527 인용 특허 : 166 |
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 establish
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.
[ What is claimed is:] [1.] A method of distributing advertising information remotely to users comprising the following steps:providing an arrangement to said users that enables the users to access home banking services from user terminals;communicating with said user terminals on demand using a cen
[ What is claimed is:] [1.] A method of distributing advertising information remotely to users comprising the following steps:providing an arrangement to said users that enables the users to access home banking services from user terminals;communicating with said user terminals on demand using a central computer;receiving requests with said central computer from said user terminals;processing said received requests with said central computer;storing indicia of said processed requests in a database;obtaining, with said central computer, information advertising a product or service from an advertiser;processing said database to target specific users who may be interested in said advertising information;transmitting said advertising information from said central computer to the user terminals operated by said targeted specific users;prompting said targeted specific users to select whether they want further information with respect to said product or service;receiving and testing user responses to said prompting step; andselecting users for delivery of further information relating to the product or service based at least in part on whether said users provide at least one predetermined response to said prompting step.
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