HK1123618A - Integrated full service customer banking system and system and method for opening an account - Google Patents

Description

Integrated omnibearing service customer bank system and method for opening account

This application is a divisional application of the invention patent application filed 6/1996 under the name "integrated full service customer banking system and method for opening accounts", application number 96195804.9.

This patent document is subject to copyright protection. The copyright owner has agreed upon any copy of the patent document, but is limited to the file records of the patent and trademark office, which are otherwise protected by copyright.

The present invention is also directed to co-pending U.S. patent No. 08/483,710, filed on co-pending 1995.6.7, "method and system for providing integrated brokerage and other financial services through client-initiated terminals.

Technical Field

The present invention relates to financial transaction systems. And more particularly, to a customer banking system integrated with full-service, and a system and method for opening a single account so that customers can enjoy global financial services using different entry points.

Background

In recent years, financial institutions have changed greatly. For example, banks can now offer more diverse products and services than before, and these new products and services can be largely divided into two categories. One is the interaction of new technologies of the financial institution and the other is a new financial service or product offered by the financial institution.

Innovative technologies for bank interaction include the ubiquitous automatic teller machines and customer-initiated terminals (ATMs and CATs). More recently, screen phones, bank personal computers, personal digital assistants, voice response systems, and smart cards have become available. Today's technology enables customers to access their banking system at any time, place. Despite these technological advances, only a very few bank customers can fully utilize the benefits of all entry points.

Financial institutions are also beginning to offer a wider range of services than traditional accounts, such as investment and financial services. The traditional bank market tends to absorb customers by opening new accounts, most typically check deposits or savings deposits. However, when a bank provides additional financial products or services, the bank attempts to hand off new variety accounts to customers who already have an account with the bank.

One of the major obstacles to conventional account opening and cross-selling new accounts is: the customer must repeatedly provide the same material to the bank. This is inconvenient and a significant impediment to financial products.

Financial services are a very inertial business. Once the customer opens an account, he or she does not like to change the account number because that is a complicated and difficult thing. Most people do not attend financial services. When something happens in the life of the customer, it is changed or a new account is opened. Only when the inertia is changed, such as moving, death, formation of family, change of guests only due to qi generation, or occurrence of other events. Thus, when a customer opens a new account, they have a new reason for opening the account, but it is difficult to have them open another new account. Therefore, it is very difficult to sell financial goods over the land. Once a person opens some accounts, something has happened in their lives to allow them to open additional accounts again.

To obviate these obstacles, the present invention is directed to establishing relationships with customers rather than opening isolated and useless accounts. The research results show that the relationship between the client and the bank is deepened, and the deposit balance of the client is increased. The inventor finds that the method for establishing the long-term relationship with the client comprises the following steps: a single account is opened and the customer can access all of the service systems.

There have, of course, been attempts in the past to provide federated accounts. Such as the Douglas-card accounts introduced in 1976 and 1977, which are the first accounts to incorporate four or five properties. The general transaction account, short-term savings deposit, daily interest savings deposit, and 90-day savings deposit, check deposit, and check deposit overdraft are all integrated within the Douglas card account. Other banks have started to follow over the next decade. A "joint account" is provided that basically combines savings deposits with a portion of credit, a very traditional bank product.

Another important development is the asset management account provided by a particular brokerage firm. These accounts may provide multiple security services in a single account. And brokerage firms do not provide traditional banking services. For example: the Cash Management Account (CMA) of Merrill Lynch. A description of such accounts can be found in U.S. patent application No. 4,346,442 (musmann); U.S. patent application No. 4376,978 (musmann); U.S. patent application No. 4,597,046 (musmann et al); U.S. patent application No. 4,674,044 (Mussmanno et al); the accounts provided by U.S. patent application No. 4,774,663 and U.S. patent application No. 5,270,922 (Higgins) Merrill Lynch are limited to the trading of securities and do not include all banking products.

Similarly, when a customer opens the brokerage account, there is no need to additionally open additional accounts for the trading of property or fixed income (fixed incomes).

The next development of the Douglas bank account is called the asset network account. It includes all brokerage services, as well as banking services. The first of these types of accounts to be noticed was the Douglas gold Account (CitiGold A/C). It is a brokerage account provided by a sophisticated investor. An important characteristic of such accounts is the daily investment of funds into the funds market account. Such accounts are not suitable for the wide market accounts typically used by investors, including non-sophisticated investors. Douglas gold accounts also do not include the credit card account functionality. Which is an account elaborated by a sophisticated investor.

The banner gold account system introduces a concept of integration and consistency in providing services across all customer entry points, including ATM robotic voice response systems, telephone brokers, personnel screens (STAFF SCREENS), banking headquarters on computers, and screen-voice banking headquarters systems. In other words, upon contact with each financial institution, the customer may get the same response regarding their account and be able to engage in various transactions.

Another development of the citibank account is the "CITIONE" account, which began in the early 90 s. This account combines conventional bank and savings deposit accounts so that the customer can enter into all of the above account transactions, and in some areas the CITIONE account also includes security or debit services, such as credit services.

With the CITIONE account, the customer can combine various accounts at will, so that different products and services of the financial institution can be combined in the customer's account and can be tailored to the customer's needs. Its main features (in the united states) include check deposit, daily interest-bearing savings deposit, funding market account to add insurance, periodic deposit slips (CDS) and credit cards.

Next developed is the Douglas bank funding management Account (CMMA), published about 1 month in 1993. CMMA provides customers with a wide variety of financial transactions including traditional banking, brokerage, and debit transactions, in conjunction with different types of accounts. Individual customers may combine different product transactions for their different purposes. The system catalogues the features such as "your bank deposit", "securities", "loan", "credit card", etc. In addition, CMMA enables bank customers to make "ONE-STOP" convenient purchases (financial goods). The product also provides a consistent display. For example, in screen speech, a personal computer bank, which displays a header (TOP MENU) as a MENU on an ATM machine. However, the system starts to transmit the scatter after the initial screen display.

Despite the opportunities offered by CITIONE and CMMA accounts, there is significant room for improvement, particularly as the present inventors have recognized that while some infrastructures are properly appropriate, the concept of a single account containing all the features and an understanding thereof has not yet been achieved. These accounts still stand for specific purposes and the customer is required to open their individual accounts and to educate and sell such accounts to the customer.

With the development of remote delivery product technology, these new accounts may provide improved services to customers; and significant operating efficiency and cost reduction. Furthermore, the potential benefits obtained using an integrated financial system are not fully contemplated by CIWMA.

Currently available financial systems have a number of disadvantages that may cause new technical services to reduce their profitability. First, existing systems may not be readily known in close proximity. Although the customer may enter the system in different ways, for this reason the customer must possess special skills such as: proficiency in computers, or some degree of technical capability, but these are not capabilities that all potential customers possess. Therefore, the system for accessing different services should be simplified as much as possible.

In addition, customers do not often notice the different services offered by the banks. When a bank frequently advertises and advertises such services at its branch office or elsewhere, not all customers will notice or receive such promotions. More importantly, it is possible that these promotional products do not appear just at the time the customer wants to change.

Disclosure of Invention

Accordingly, there remains a need for an improved integrated system for providing financial services. And more particularly to improving access to financial institution systems and systems in which customers open accounts at financial institutions.

The present invention provides an improved system for fully accessing an integrated financial system.

The single account referred to in the present invention is a wide range of financial market accounts that are suitable for a wide range of users. The account provides complete investment functions, complete banking and bill payment functions, debit and credit functions, etc., for substantially every financial requirement that the customer may require, and may also include insurance preparation, retirement accounts, etc. The invention features a method for integrating different service systems and enabling these services to be adapted to customers. Here, all services are applicable to each client using a consistent method at each entry point.

To improve acceptance of such accounts, it is helpful to have a single interface entry point. A single interface may make it single, but more important from a customer's perspective. When a bank offers more products, the bank must enable the customer to easily use the new product or the original bank product. A single user interface may facilitate faster familiarity with new products and technologies.

In the preferred embodiment of the present invention, the wide range of services include investment services, banking services (bank investment insurance interest rate accounts and periodic deposit slips), securities (common stocks, derivative financial commodities, mutual funds), periodic annuals, guaranteed payouts, unsecured payouts, and credit cards. The account may also contain insurance items such as property, health and life insurance. It may further include retirement items, including 401K items and IRA items, which are separate taxes.

Thus, the system of the present invention comprises three important features. First, the system allows customers to enter financial institutions through different methods, including automated teller machines, screen voices, personal computers, voice phones, and the like. Second, the system provides a single customer interface.

Another difference is that the scope of the single account of the present invention is broader than the previous accounts. For example, the accounts of the present invention include credit card programs, brokerage programs, or insurance and retirement programs. All banking services are contained within a single account of the present invention, not just a few selective services. In particular, the single account of the present invention can provide services in places with branches around the world.

The invention also provides a one-time account opening system, which comprises analyzing the needs of the client according to the financial and/or investment conditions of the client, namely, analyzing the needs of the client according to the collected client data, making suggestions according to the evaluation of the needs of the client, inputting the selected items of the client, adding new items to a single account and establishing another single account, thereby providing the services required by all the clients and meeting the best client needs. Issuing a credit check, collecting commission fees based on the services provided, authorizing the customer to use different products, including issuing bank cards, and personal identification codes to confirm missed data and prompting the user to enter data not yet provided. The system also includes a means for linking the data ranges within each item so that when any data is collected, the data is provided to all appropriate data fields simultaneously. In addition, the system allows the user to skip a range of data, but later provide the data.

One important feature of the system is that the data can be transmitted up and down through the whole process, so that if a piece of important data is collected, the data can be transmitted to any place where it is needed. In other words, all similar data ranges are connected, which has the following advantages: first, the user (bank employee) does not have to repeatedly ask about the customer's data, even if other users have asked it; second, the user can flexibly collect data at the right time.

The system may further include a pending file storage device for storing important data that has been collected but is not immediately needed, in such a way that if the data is needed for the next customer visit to the bank, the system can also locate the data without repeatedly querying the customer.

In addition, the system can make the customer and the financial institution contact by the following ways: automated teller machines, screen phones, voice phones, personal computers, branch dealers, etc. customers do not need to learn new systems, in other words, the system always provides a consistent customer interface, manages all customers' funds, and allows customers to conduct transactions around the world, in such a way that customers can choose whether to go to the bank in person. Or to make a call. The user can use computer, etc. without changing his habit, each entry point can enter his financial service account.

Because the system is fully integrated, efficiency is improved and costs are reduced, financial institutions can return the saved costs to customers, increase customer loyalty and strengthen relationships with each other, which is beneficial to both financial institutions and customers.

From the financial institution's standpoint, this system can provide customer convenience, improve their loyalty and the establishment of relationships with each other, and the invention departs from the interactive vending model, informing the customer to sign up for a new account, rather than providing a full set of services in one account that are mostly unwanted by the customer.

The one-step relationship opens the system and process to significant efficiencies, with the added benefit of increased customer loyalty and reduced customer churn. From the customer's standpoint, once it opens a single account, it has a comprehensive relationship with the bank and the customer can immediately receive the full financial service.

One of the important features of the present invention is the provision of a firewall to keep customers aware of the difference between securities and FDIC insurance funds, preventing the inadvertent mixing of unsecured securities with federal insurance deposits, thus providing a firewall to separate securities and insurance deposits in a single account balance.

Accordingly, in one aspect the invention features an integrated financial system including: a single customer account for enabling the customer to conduct various financial transactions including at least banking transactions and intermediary transactions; a user interface device for allowing a user to access the account from a plurality of different sources, including at least an automated teller machine. Telephone and personal clerical transactions; and means for displaying a consistent user interface for each transaction, the means being adapted for each source entering the account. The account has sufficient flexibility to include other items such as credit card items, credit lines, secure credit items, and money market items.

Another feature of the present invention is to provide a method for opening a single integrated account for a customer in one session, comprising the steps of: establishing a database with a customer data profile, the customer data profile including demographic data and customer financial data, the customer financial data including credit data and financial objectives; performing demand analysis according to the collected data; recommending an account based on the demand analysis and displaying information to the customer regarding the items of the selected account; displaying a description of the bank; modifying the database to reflect account items selected by the customer; another bank statement generated corresponding to the modification is displayed and then at least one registry is printed out.

The invention also provides a system for opening a single account in a single session in an integrated financial system, said integrated financial system comprising at least one invoicing item, a savings item, and an intermediary item, the system comprising: a device for combining personal data profiles for collecting important data; a device for establishing a single customer account for establishing a checking item, a saving item and an intermediary item; and a step of allowing the collected data to be sent to all other points requiring the data at any step of the process, thereby allowing the data to be input no more than once. Preferably, each item of the single account includes a range of data, and the system further includes means for transferring data between the ranges of data, and means for entering ranges of data in different items, such that data within a range of data can be copied to other related ranges of data.

The system may also include a device for generating multiple prompts for data to allow the user to increase personal judgment as to when to collect the data, and a pending file device for storing the collected data, but not immediately needed. The system may also include means for establishing various other account items including credit card account items, credit account item lines, secure credit account items, money market account items, insurance account items, and retirement account items.

Finally, the system may further include means for displaying a bank account description, the means for displaying a bank description being associated with the means for establishing a single account, whereby the bank description is modified when the account is established.

Drawings

FIG. 1 is a high level view of the integrated banking system of the present invention;

FIG. 2A is a block diagram of a method for opening a new customer's account in the integrated financial system of the present invention;

FIG. 2B is a block diagram of a method for opening an account of a legacy customer in the integrated financial system of the present invention;

FIGS. 3A-3C show the account selection/demand analysis step of FIG. 2;

FIGS. 4A-4E illustrate a preferred embodiment of the step of creating personal profiles of FIG. 2;

FIGS. 5A-5M illustrate preferred steps of establishing an account of FIG. 2;

FIGS. 6A-6G illustrate the steps of the account service of FIG. 2;

FIG. 7 shows the step of printing out the registration form of FIG. 2;

FIGS. 8A-8F illustrate the steps of FIG. 2 for setting an entry level;

FIGS. 9A-9B show a flow chart of the next step of FIG. 2;

fig. 10A-10C show an example of fig. 2 showing fax screens generated by the system of the present invention.

Detailed Description

The preferred embodiments of the present invention will be described below with reference to the accompanying drawings. Where "user" refers to a bank employee (e.g., a personal banker, a senior account consumer bank administrator, or a customer banking telephone service center representative) servicing a new customer, and "bank card" refers to a bank access card, such as a financial card, rather than a credit card.

Fig. 1 provides a high level overview of the integrated account system of the present invention, the core of which is the provision of a single customer account 17 having various elements that enable the customer to conduct a wide variety of financial transactions, which may be categorized as, for example, bank funds, securities, debits and credits, and credit cards. In a preferred embodiment of the present invention, the classification includes: investment services, banking services (e.g., bank investments, insurance interest rate accounts, and deposit slips), securities (common stocks, dividends, mutual funds), annuals, mortgage debits, mortgage-less debits, and credit cards, while the insurance portion of an account may include property, health, and life insurance portions, and the account may include retirement portions (401K, IRA, separated by tax bases).

The system also includes a user interface 10, FIG. 1 shows the interface 10, which is compatible with the customer regardless of how the customer enters the system, however, the user interface 10 typically takes several forms, such as a personal computer, screen phone, customer initiating terminal (CAT), etc., can be an integrator, and other well known hardware systems, typically separate hardware is used to deliver the product and CAT, on the other hand, if the customer enters the system personally or by phone, the user interface is typically a bank teller or phone representative, and to maintain compatibility, the teller can be extended to a workstation screen, so the user interface of the present invention can be displayed as audio or video, or a bank employee. In addition, the hardware interfaces between the branches are very different from those of the remote access devices (PC, screen phone, PDA), but in any case the end result seen by the user is consistent.

As shown in fig. 1, a customer may enter the user interface from various entry points 12(1, 2...., N), including a Personal Computer (PC)12 (1). The customer initiates a Cashier (CAT), or ATM machine 12 (2). Screen Bank Telephone (SBT) or screen telephone 12(3), voice over automatic answering telephone (AVR)12(4), touch-tone or PBX telephone 12(5), Personal Digital Assistant (PDA)12(6), cashier or bank clerk 12(7) using workstation, and bank representative of phone (USCC)12(8) using workstation, bank bill 12(9) is also a form of entry point through which the user can contact the bank. In short, the system can be accessed in a variety of ways to provide an all-round financial service.

The integrated system of the present invention can increase customer loyalty and bank efficiency, however, the bank must first know its existence and the new customer uses it.

Another important feature of the present invention is to provide a system and method for opening an account including full financial products, comprising: account selection, tax requirements, establishing personal data, establishing customer accounts, selecting customer services, logging customers remotely, printing out registries, issuing bank cards, determining the number and identity of people entering an account.

The implementation of the above project requires a specially programmed computer, a modem, a printer, and a card maker, which can provide various integrated accounts by inputting programs into the computer. Generally, the system comprises: means for collecting the financial and/or investment status of the customer, means for performing a demand analysis based on the collected data. The system includes a device for displaying account information, a device for making recommendations according to required taxes, a device for inputting part selections of a customer, a device for displaying a customer's bank bill, a device for adding an account part to establish a single account (the device can meet the customer's needs and provide all the customers with desired services), a device for correcting the display of the customer's bank bill, a device for checking credit, a device for judging the single fee according to the provided services, a device for logging in the customer (including issuing a bank card and a personal identification code) at a remote end, a device for confirming the loss of data, and a device for prompting the customer to input data.

Fig. 2A and 2B show the steps of the preferred embodiment of the present invention, wherein fig. 2A is the steps of a new customer and fig. 2B is the steps of an old customer, which are similar, except that the bank already has the basic data of the old customer and the old customer is relatively knowledgeable about the entry point provided by the bank. Typically, the difference occurs when an account is opened and converted. As will be noted below, the step changes of the present invention do not require the departure of a central destination (i.e., the opening of a flat account), and the steps of implementing FIGS. 2A-2B are shown in FIGS. 3A-9B.

Customer identification system and procedure

The initial step is sometimes a welcome step (optional) which aims to obtain customer initial details and to ascertain the customer's purpose.

After contacting the bank (usually a branch), the customer is welcomed and then waits in line, a step which is useful for new customers, the system asks the customer for his name, address, and this purpose, whereas for old customers the system can confirm his identity in the following way: account number, name (along with address or zip code), social benefit number, and bank card (keyed in card number or password PIC), the system itself includes a specially programmed computer or workstation. And an input device (e.g., a keyboard, card reader, mouse or touch screen) with which the client can input data to the user.

The welcome system will turn on (if new customer) or page (if old customer) the data situation, enabling the cashier (or clerk) to know all the things including: credit card, mortgage tax reduction investment, etc. The system determines the level of access based on customer demand and customer volume, for example, the system has access restrictions to complete the transaction as quickly as possible, and bank personnel often spend more time facing the customer and therefore need welcome steps. If the client data status is not found initially, the system will prompt the next user to capture the client data status before checking the credit.

The initial welcome step 100, although not required, is helpful to the customer, as the system does not have to query the customer's already provided information, but rather determines the customer's intent, alters the customer's access pattern, and immediately meets the customer's needs, as will be discussed below, and also allows the next user to be ready for the customer.

Viewing data System and procedure (200)

Before facing the customer, the user (bank clerk) should look at the customer data, the system should include a general purpose computer and/or a network workstation with this function, the computer or workstation should have a display function, and the main purpose of the look-up is to prepare for contact with the customer.

Talking immediate need system and steps (300)

Customers sometimes engage with banks to quickly dispose of them for quite specific and simple things, such as purchasing periodic deposit slips or American deposit bonds, in which case the bank should provide quick service, and the system allows the customer to decide whether to make an easy transaction, and therefore the system must include a programmed computer or workstation with a display or other means.

Account type selection system and procedure (400)

After the customer receives the welcome and immediate needs to be processed, the customer faces the next user (usually a bank clerk) (if not processed in the conversation immediate needs system), and the customer's data situation continues in a system where the bank clerk asks the customer to decide his financial needs and how to service, for example, the customer decides the account type (assuming the bank provides more than one account type), the opening process is flexible enough to allow the customer to open an account (e.g., short term order), or the customer wants more time to discuss his needs to decide which account is most appropriate. To achieve this, the system must include a general purpose computer or workstation for requesting the customer to provide data for receiving data and sending it to all relevant entities, and a suitable input device for the user to talk to the computer.

Discussion allows a user (typically a bank clerk or customer bank telephone service center representative) to know what accounts the customer is interested in and what the user is selling to the customer. To this end, the system program must enable the data to be sent to the required location and to check if the data has been sent, and a typical computer is capable of doing so in such a way that the data is required only once, maximizing the convenience for the customer. As discussed below, the system also provides a "pending file" for storing pertinent, but not immediately required, data.

As shown in fig. 2A and 2B, the new customer and the old customer are programmed slightly differently, and in particular, for the new customer, each step is performed in sequence, but for the old customer, the account introduction or the entire demand evaluation step may be optionally skipped. In addition, the system allows the user (bank clerk) to practice his judgment. However, as discussed below, the steps are substantially the same for the new customer as for the old customer.

Requirement evaluation system and procedure (500)

This step is actually a sales tool, allowing the user and customer to select the best account and item the customer needs, and the system is flexible and can provide data according to the order (the order matches the customer's immediate needs and the opinion of the user or the telephone service center representative). In this way, the user can enter the details slightly more slowly.

The demand assessment step includes entering data to answer more detailed questions (which identify the customer's demand and/or the user's sales opportunities) that will assist the user in providing an integrated bank account to the customer as prescribed, and the system's process can pass the data to other relevant locations.

FIGS. 3A-3C illustrate the account selection and demand evaluation steps, but some emphasis is placed thereon.

As shown in FIG. 3A, when the user enters the account selection step, the screen displays options for selecting an account or evaluating demand, and if the customer is interested in an account, such as "Ciybank" or "CITIGOLD", the step of demand analysis is skipped.

In FIG. 3A, when the user selects "select Account," then the screen will list a list of selectable accounts. Otherwise, if the customer wants to analyze the demand, the user selects "evaluate demand", and then proceeds to the step of FIG. 3C. In fig. 3A, the "flag bank account" may not be selected.

FIG. 3C illustrates the requirement evaluation step of the present invention, when the user decides to evaluate the requirement, the screen displays a function table for the client to select, such as "Credit", "finance goal", "personal", or "finance pattern". After selection, the customer is requested to provide relevant information until the requirement evaluation is completed, and the process is not completed.

FIG. 3B shows a product information providing step, wherein the system allows the user to provide information on the customer selected item, which step is repeated until all questions are answered, at which time the user can select a portion of the personal data case to proceed.

One of the important features of the system of the present invention is the flexibility that the user may choose not to provide if the user believes the customer should not provide the material, but the system will leave a record so that the material can be collected later.

The customer data is stored with the answers to the basic demand assessment so that other users (bank employees) can use the customer's data regardless of whether the customer is in contact with the bank.

As mentioned above, the system of the present invention has a "" pending file "" that stores data that is not immediately needed, and in particular, the system has as much as possible some form of electronic recovery storage.

The system may include user marketing tools, such as a loan authority ANALYSIS (BORROWINGPOWER ANALYSIS), that allow users to print pricing information.

Other sales tools also include 24 hour access information, financial advice; interest rates and services, and the user can quickly skip these sales tools. To accommodate BPA quotation information and other sales tools, the system requires a general purpose computer and/or workstation.

Account introduction system and procedure (600)

This step is intended to introduce various types of integrated accounts provided by banks for new customers, and the components that can be used and monthly pricing are discussed. For the old customer, this step is to account for the new integration account.

If the user receives a customer indication to open an account, he checks his credit, which typically includes two separate steps-first, to see if the customer is listed in a bad customer list, e.g., CHEX review; second, standard credit bureau reports. To facilitate communication with an external service or agent, the system preferably has a modem or other communication device.

Usually, the system will perform the above two steps simultaneously, and the results will be displayed on the same screen. However, if one of the results is not available (e.g., the system is out of order), the other result is still displayed. The system can only do basic credit checks such as name, address, social security number, birthday and nationality. And the items that can be selected for inspection include work, revenue, and cost of occupancy. If these confirmations were not previously available, they are now detected. For older customers, the system may dispense with another check if the last credit check was within, for example, 12 months. In addition, the two checking steps are performed separately, and the system has the authority to reject the first inspection result. If the user has access to work, income, and occupancy data, the system can agree to a particular loan amount, and the agreed amount will be displayed on the same screen.

If the customer is not approved, the system allows the user (typically the credit department manager) to decide if an account can be opened, if so, the negative is recorded, if not, a "negative" message is printed at the branch office or the customer bank telephone service center, and the CHEX and/or the name and telephone number of the credit bureau are displayed.

Credit checks and demand evaluations are recommended as the best way to service a customer, and the system provides the user with a number of sales tools, such as a screen (set) that allows the user to clearly show the rights of the integrated account, the content items, and how to gain access to the account the fastest.

In addition, the system includes a programmed computer and appropriate input devices to prompt the user and collect data to perform the steps.

System and procedure for personal data (700)

After the account selection/demand analysis step is completed, the system proceeds to the personal data step. In this step, the user collects all the personal information not yet included, and since the system is flexible, the data collected here can be changed according to the data collected previously, a computer equipped with suitable input means will be used for this purpose, and in addition, the computer is preferably connected to an external credit department by means of a modem or communication equipment.

In some cases, if a credit check has not been previously performed, then in this step, for example, personal work is performed, using a screen (for the signer on the account) to capture personal information, a screen (also for the signer) to capture work information, the information on the work screen including the name and address of the current and previous employers, and the relevant information is displayed on the screen and passed to the credit department so that no further confirmation is required in reviewing the credit.

The system of the present invention makes it possible for the user to capture the language the customer prefers, and if the customer is a foreign person, the account will be recorded and this and the language the customer uses will be displayed in the customer profile for subsequent service.

FIGS. 4A-4E illustrate steps for profiling personal profiles, which may begin upon completion of the account selection/requirement evaluation step. As shown in FIG. 4A, this step is to collect identification information such as account owner, customer name, home address and phone number, nationality, social security number, and birthday. The system includes a programmed general purpose computer and/or workstation equipped with appropriate input devices to perform this step.

As shown in FIG. 4A, the system displays an initial profile of the data to the user so that the customer does not need to provide the data.

After collecting the preliminary profile data, the system will determine whether credit check has been done previously, if so, the system moves to the flow of FIG. 4D to continue to establish a profile of the personal data; if not, the system asks if there are other signers on the account, and if so, returns to the flow of FIG. 4A until all signers' initial details are collected.

After the initial data of each signer is collected, the system will determine whether to connect with the credit department, if not, there will be no credit authorization, if so, a quality check will be made to determine whether the data is complete, if not, an error message will be displayed, then the user will continue to use the processing file, if so, the process of FIG. 4C will be performed.

Based on the credit department reports, the system will determine if the account has been approved, if so, proceed to the process of FIG. 4D, and if not, the screen will display the results of the report to the user. A bank employee. If the user chooses to reject the reporting result, the routine of FIG. 4D is performed. Otherwise, if the user takes the report result, the user may choose to print the report.

FIG. 4D shows a case where the user prints the job data, and if the current job time is less than two years, the customer prints the previous job data, including the job address, phone call, and income, and if the user wants to have additional income from the customer, the relevant data is collected together, and the process is performed for each signer. Next, the process of FIG. 4E is performed.

After displaying screen data for user IDS, the step of establishing personal data general profile is finished, if there are more than two signers, the data general profiles of all signers are displayed, finally, the system checks whether the complete data is received, if not, the message is displayed and the user can continue to use the processing file, if the complete data is received, the system can proceed the next step, namely establishing an account.

Account creation product selection system and steps (800)

(including credit decisions 800(810))

Another important feature of the present invention is the device and method for establishing an account, especially the present invention provides a visual interface to allow the user and the client to see the account establishment process. Examples of which are shown in FIGS. 10A-10C.

As shown in FIG. 10A, the system displays account data on the computer screen, i.e., displays a copy of the bank account, which is important for establishing an account, and knows what the bank account is before establishing the account, and what core items such as demand deposit, savings deposit, IMMA, CD's, retirement funds deposit, intermediary account, credit line, and credit card account are. Other items are shown in the description when they are added to the account (as described below).

To establish an account, the customer selects one of the listed items via the input device, and if "demand deposit" is selected, the system displays a demand deposit item establishment screen (as shown in FIG. 10B) that allows the user to select a particular item and input a number. In this example, the user selects "general demand deposit". The system also prompts the user to enter an allocated amount into the demand deposit item.

Assuming the customer chooses to allocate $5,000 to the demand deposit account, the user enters this number and then returns to the illustration screen.

As shown in fig. 10C, the displayed description is modified to a balance of $5,000.

In this way, the customer and user can create an integrated account and see that the account is created step by step, and the data format in the bank statement is consistent with other customer entry points.

If the item to be found by the customer is already determined, the user will select on the account opening screen, and first, the user selects all the products that can be opened in the session, at this time, the system will automatically designate the number of the item in the bank account as the responsible item, and if necessary, the designated number can be automatically rejected.

Second, the user completes the necessary details such as term, initial deposit, and interest rate, and then enters the account name and any other account specific data that is needed (e.g., the signer's number if not disclaimed). FIGS. 5A-5M illustrate a preferred embodiment of the system for opening an account, which includes a general purpose computer programmed to perform the steps described above.

As shown in FIG. 5A, the system initiates the account setup process by displaying an instruction screen, which preferably gives the user an opportunity to select each item of the integrated account, wherein the user may select from twelve items, after which the amount (credit) is displayed on the instruction setup screen (see FIGS. 10A and 10G).

Typically, after selecting the items and performing the setup procedure, the system provides the number of each item and its data, and in the preferred embodiment (FIG. 5A), if you want, the number can be directly entered from the screen illustrating the setup.

The system shown in FIG. 5A allows the user to choose back to the previous step, i.e., create personal data or proceed to the next step (account service), if the user does not, the system operates in a LOOP (LOOP) on the portion of FIG. 5A, whereby the customer selects a particular item, then proceeds through the process described above to perform the items shown in FIGS. 5B-5M, and then returns to the setup screen (which is modified to include the created item).

If the user selects the demand deposit item, the system follows the path shown in FIG. 5B, for example, the system displays the demand deposit item screen, then the user enters the number of demand deposits allocated to the demand deposit item, the system asks whether the demand deposit item has a different owner or a different address, and if so, the system enters a SUBROUTINE (SUBROUTENE) to obtain data for the different signature and/or the changed address. An important feature of the present invention is that the user initially knows all the important data that has been acquired, so that in the sub-process, the client and user only need to provide data that has not been acquired. When the demand deposit item is already established in the customer's specification, the system provides the possibility of establishing another demand deposit item, if the customer is to establish additional demand deposit items, the system displays the message and executes the relevant program, otherwise, if the customer is not to establish, the system returns to the screen established in the description of FIG. 5A, so that the user can select another item

If the user selects an deposit item from the description creation screen, the system proceeds to the routine of FIG. 5C. The process of establishing a deposit item is substantially the same as a demand deposit item, more particularly, the user is prompted to enter the number of deposit items, the system then provides additional information to the user regarding the different owners or addresses, and then using a sub-process to complete, the user can choose to establish another deposit item. After the customer is satisfied, the system returns to the screen illustrated in FIG. 5A illustrating the setup.

When the user selects an item for the insurance market account (IMMA), the system proceeds to the process of figure 5D, which is the same as the item for establishing the demand deposit and savings deposit, the user enters the number of IMMA's, then the data about the owner and his address can be modified, and finally, the user repeats the above process to establish another IMMA account if necessary. After all IMMA entries are established, return to fig. 5A to illustrate the setup screen.

If the user selects the term deposit item, the system proceeds to the flow of FIG. 5E. The system displays a periodic deposit screen, then the user enters the amount of deposit, then the system prompts the user to enter parameters (including expiration, interest list, and deposit instructions), when all parameters are entered, the system allows the user to make a decision based on authorization that the screen will display the authorized signer based on the data collected first, the user can add other signers, if there are already other signers 'data, no further input is needed, when the signer agrees with the client's request, the system allows the user to create another CD item, if the user wants to create, the process is repeated and if the user does not, the system returns to the illustration creation screen of FIG. 5A.

If the user selects the IRA/401K item, the system proceeds to the flow of FIG. 5F, which is very hierarchical and includes only the display of available options. The demand deposit is established according to the procedures shown in fig. 5B-5E. And saving the deposit. IMMA and CD items, when the IRA/401K item meets the requirements of the client and user, the system will return to the screen for establishing the description.

If the user selects a security or intermediary item, the system proceeds to the flow of FIG. 5G. In particular, the system displays a security job window for the user to enter the date and time of the appointment or request a CALL BACK (CALL BACK) because the data normally associated with establishing a security item must be processed by authorized bank personnel, and after the appointment is completed, the system establishes a security confirmation and then returns to the account setup screen.

The system also includes a means for restricting access to certain users to comply with regulations, e.g., information obtained in the "intermediate" portion pertains to "investment information", other information may be restricted to the intermediate. According to the regulations, only authorized individuals can discuss the "investment information" with the client, so that only authorized users can enter the screen. The above described means of limiting access are as much as possible programmed general purpose computers.

If the user selects a debit or credit item (e.g., check financing), the system proceeds to the process of FIG. 5H, the system first determines if credit is granted, if not, the user will not be able to establish the account item, otherwise, if granted, the system will display a check financing offer and options screen (containing a message with a credit line) that the customer can use by the user, and then the system returns to the establishment screen of FIG. 5A.

If the user chooses to create a password-less credit, the system proceeds to the process of FIG. 5I. The system firstly judges whether credit permission exists, if not, the user cannot establish the password-free credit item, if yes, the system displays the password-free credit option and the credit interest rate, then carries out the establishment procedure, and returns to the explanation establishment picture after the establishment procedure is completed.

If the user chooses to create a password credit, the system proceeds to the process of FIG. 5J and displays various security credit options including common equity (EQU1TY) source, fixed interest rate family common equity loan, mortgage, priority line (PREFERED LINE), priority loan, password loan, and student loan. The system can display the credit rate and other information, and after selection, the system proceeds to the setup process and then returns to the setup screen illustrated in FIG. 5A.

For some products, particularly for crypto credit, additional information is provided for use, and if the credit department deems the customer's qualifications to be inconsistent, the screen will not display (include) the property information unless the customer has a specific request. The cost of living. Government supervision/EmDA data, etc., any data that captures the BPA part should be placed in the appropriate part on these screens.

Before credit data is sent to the credit department for review, the system is qualified to ensure that all required data has been entered, if any data is missing, the system requests a offer, if available, the user enters, and if not, the system puts it into a "in-process" state.

According to the present invention, the credit decision screen is entered during the account opening process, so that the user can enter another system without leaving the account opening stage.

The user is able to complete the confirmation and any credit activity (which must be completed during the opening process) during which a debit or credit product is confirmed and then another debit or credit product is made, and many factors (e.g., line size, product type) affect the confirmation and the customer's confirmation is modified after requesting the product.

If the user selects one of the credit card options, the system proceeds to the flow of FIGS. 5F-5M. The difference between the processes of fig. 5K and 5L is that the bank provides a credit card for ordinary and gold cards, and the process begins by determining whether credit is granted or not, then the user inputs the data required by the card, including card type, credit line, cardholder, secondary card, name and photo, then determines the credit line, and then returns to the description creation screen.

If the user selects another card provided by the bank, the flow is substantially the same, unless the customer selects a particular credit card, the customer and user may choose to go from an old line of bank credit to the account, or from another line of credit to the bank credit card. After the process is completed, the system returns to the description setup screen of fig. 5A.

This part of the program ensures that the customer is familiar with the various services offered by the bank, and the most suitable means for implementing this program is a programmed general purpose computer.

These filters also present another opportunity to view how customers manage funds using banks and to facilitate the relationship between customers and banks, and the filters must incorporate data capture and product/service features that, if made available, can be checked with the customer.

Figures 6A-6G show a preferred embodiment of the system implementing account services.

Referring to FIG. 6A, the system initially checks the previously collected data to determine if the customer can finance the check (a measure of protection for overdraft), and if so, sets a token and the system continues the process, and if not, the system continues the process without setting a token. Then, the system judges whether more than one service item is started, if yes, the selected service key is displayed with light on the account service screen of the CITIBANK (CITIBANK), and the account service picture is displayed, then the flow shown in fig. 6B is performed, the user can choose to set up the service or obtain the information of the service, if the user chooses not to set up, the user can notice other service items requested by the customer, and the system will follow the customer's request and print out the registration form.

If the user wants to set up the service or obtain the data, the system will proceed the service process, and the bank can naturally provide various services, in FIG. 6B, the system can provide information, or set up automatic transfer, payment service, direct deposit, immediate access to the trust fund, automatic deposit of dividend, password loan, overdraft limit, automatic payment and ELECTRONIC payment (Electronic PAYMENTS).

If the user selects automatic transfer, the system proceeds to the processes of fig. 6C and 6D, the system lets the user set up automatic transfer, and then transfers the transfer according to the process of fig. 6D.

If the user chooses to set up the payment service or obtain information thereof, the system proceeds to the flow of FIG. 6E, and the user can set up a general payee and a designated payee. If the user chooses to set up a direct deposit or to immediately enter a trust fund, the system performs a graph-based process. If the user chooses to set up the automatic payment, the system proceeds to the process of FIG. 6G, where the user can set up to take multiple payments for the debit line and choose the frequency of payments.

In each case, after any selected services are completed, the system returns to the flow of FIGS. 6A and 6B and proceeds to enter steps to enable the client to utilize various entry points.

Next, the customer selects a bank card personal identification number (PIC), which will be discussed below in connection with telephone banking and TPIC, where applicable, the check is to be ordered.

The system allows a user (a bank employee or phone) to log in to a customer in a remote access manner, using a programmed general purpose computer, the system provides for automatic logging in to a local bank and capturing the customer's PC type and disk size (if needed), and the items that the bank card is opened and connected to will automatically connect to the local bank. The system also allows the use of screen phones.

FIGS. 8A-8F illustrate a preferred embodiment for performing the enter step. As shown, initially, to display an "enter" screen, the user can revise or accept the account name on the record; fig. 8D shows a subroutine of this routine.

As shown in fig. 8D, the system then enters a "Personal Identification Number (PIN) entry procedure," and if the account is a federated account, the name acceptance procedure and the PIN entry procedure execute the second name in the account, and the system then creates (embosses) the bank card and issues it to the customer, which may also be delayed. In order to perform the floating printing work, the system should have a conventional floating printing machine connected to a computer, and if the floating printing work is not successful, the system will display an error, but the whole process is continued.

Next, as shown in FIG. 8B, the system selects the validated phone PIN and goes through each signer, then proceeds to the process of FIG. 8C, the client can choose to enter the bank from the remote location using the PC, if the user accepts the service, it is determined whether the client knows all his (her) computer parameter data, if so, the relevant parameters (e.g., computer type, disk size, modem type, and modem speed) are entered into the system, if not completely known, the system requests provisioning, and in the next step the data is stored for use. The system proceeds to the process of FIG. 8E, the customer can enter the bank by screen phone, after the system receives the customer's selection, the system proceeds to the process of glugging, at this time, the customer can book the check, the system can start the step of not booking the check, and the user is given the opportunity to change personal data including name, address, bill data and mailing address, and then book the check. Next, the system proceeds to the process of FIGS. 9A and 9B.

Special indicating system and procedure (1000)

In this process, the system collects the remaining data and handles special cases of the account, including "best connection opportunity" or "don't connect", "don't share data with other branches". "mailing address". "preferred mail greeting", etc., the system may also close accounts of other institutions, the system may be equipped with a printer and computer to print a collection letter and send it to other institutions, the system may also send a "letter of attorney" condition to the account, eliminating the need to maintain files the next day. If the user is not authorized or has time to the "mortgage advisor," the user may also have time to the "investment advisor," and any requests that the client wants to change may be processed.

The system then proceeds through the process of FIGS. 9A-9B, initially displaying the data to close the account and validating the account, while accepting up and down flow of the data so that previously unavailable data is collected during this step, while providing the opportunity to display how to contact the customer and display the appointment, and finally, printing out the remaining items needed to open a single integrated account.

Printing/delivery system and process (1100)

After all the data is obtained or the setup is completed, the system proceeds to the step of printing the registered data.

The printing function must work with the following paper: the customer must sign on paper and transfer documents to other entities/individuals (not electronically transferable with the relational bank system), including: mortgage and subject line up, tax refund applications, visitant account applications, intermediary applications, security investment statements, credit form of a collection, signature cards, notice of denial, easy debit and credit instructions, insurance policies, and bankbooks. To perform the above steps, the system must be provided with a printer connected to a general purpose computer.

The customer will be asked to read all details about themselves, including name, address, work, phone number, etc., and these registered details will show the date balance of the account opening, account number, account deposit, interest rate and duration.

The main difference between the handling in the bank branch and the handling with the customer bank telephone service center is that the customer does not have to sign the document or take the bill of advertisement himself, i.e. the customer bank telephone service center has to mail the document to the customer.

Fig. 7 illustrates a process of printing a register, in which the system first confirms that the printer is ready, and if the printer is not ready, the system waits for its power to be turned on. The system then prints out the register for the printer and then confirms that the printing is complete, and if the printing is not successful, the process does not proceed down until the printing is successful. After printing is successful, the system requires that the customer not sign immediately (e.g., the customer is transacting with a telephone), and the application is stored in a processing file.

Transaction period sealing system and steps (1200)

Finally, the system performs a staged sealing process, all the documents of the contract are signed by the client, the account opening data must refer to tax refuge or mortgage consultation, and the system takes care of the account, but the copy data cannot be used.

If the next transaction time is set, the user may print an alert (order register) to the client, which notes the date and time of the next APPOINTMENT, the destination, and the name of the bank employee who the client will be in the next meeting, and if the date and time cannot be determined, the bank employee will contact the client. The notification also includes the name and mailing address of the customer, and if the customer opens an account using a telephone, the notification can be mailed to the customer in an envelope.

After the customer leaves, the user may enter notes (without formatting) from the "basic demand assessment"; restoring and checking the answer to the "detailed demand assessment" and, if necessary, correcting the answer; transmitting the data of the above-mentioned "basic" and "detailed" demand evaluation.

Pending file

In the process of opening an account, the transaction period may be set to pending, set to complete before the data is sent to the credit department (if SSN is not available), or after a quality control check. Because of the time required to set the pending application, the customer may leave first, or the customer may simply obtain a demand assessment and wish to return to the application program at a later time. The system allows transactions (e.g., intermediaries) to remain pending and other entries (e.g., consumer banking) to be transferred.

When the old client is filed in the welcome process, if the old client has any pending session, it can be seen in the data, and if the user does not file the client, it can still stop the pending application from the function of the pending item. There are many ways to enter the pending item, including the customer name, the user's ID line, and the product.

Pending applications are displayed to the user in an "Account open View" process, which allows the user to perform a "quality control" check before transmitting to the host system.

The customer may choose to open an account at a branch whose bank clerk must be able to enter those pending applications, and the workstation's screen should be able to signal a "customer representative" when the customer enters the "identify customer" screen.

With the integrated account and account opening system of the present invention, the customer can use all of the bank account items, and the system has sufficient flexibility to assist the customer if the customer is interested in only one of the items. After the customer's data has been entered into the system, the customer does not need to provide the data repeatedly. At account opening, the data is open to all banking employees (users) to help them know about the customer, at which point (subject to regulatory restrictions) the old customer's data is readily available. The system of the invention can also issue a bank card to all customers (even if there is only one item, such as a bankbook deposit or certificate), which can be used as a customer identification at a bank counter or telephone service center and can also be connected to a new item when it is activated.

As a result, the customer will make more use of the integrated account, increasing bank revenues and customer satisfaction, equivalent to maximizing the working hours of the bank personnel and providing the same bank branch functions to the telephone service center.

Claims (18)

1. An integrated financial system, comprising:

a single integrated customer account for enabling a customer to conduct various financial transactions including at least banking transactions and intermediary transactions;

a user interface to enable a user to access the single integrated account from a plurality of different sources, the sources including at least one of an automated teller machine, a telephone, and a personal bank clerk transaction;

means for collecting customer data;

means for receiving a customer selection of at least one item of the single integrated account;

means for performing demand analysis based on the collected data;

means for recommending an account based on the demand analysis; and

means for displaying information to the customer regarding at least one item of the single integrated account.

2. The system of claim 1, wherein the single integrated account includes credit card items.

3. The system of claim 1, wherein the single integrated account comprises a line of credit.

4. The system of claim 1, wherein the single integrated account includes a secure credit item.

5. The system of claim 1, wherein the single integrated account comprises a money market item.

6. The system of claim 1, further comprising:

means for updating the database to reflect the user selection of the at least one single integrated account item; and

means for displaying a screen of the bank account, wherein the screen reflects a user selection of at least one account item.

7. A system for opening a single integrated account in a single session in an integrated financial system including the single integrated account, the account including at least a check item, a savings item, and an intermediary item, the system comprising:

means for assembling a profile of the personal data for collecting important data;

means for establishing a single integrated customer account for establishing at least one checking item, a savings item and an intermediary item;

means for receiving a customer selection of at least one item of the single integrated account;

a device for performing demand analysis according to the collected data;

means for analyzing an account for demand;

means for displaying selected item data relating to the single integrated account; and

means for enabling the collected data to be sent to all other points requiring the data so that the data need not be input more than once.

8. The system of claim 7, further comprising means for generating multiple prompts for specific data so that a user can exercise personal judgment as to the right time to collect the data.

9. The system of claim 7, further comprising pending file means for storing data that has been collected but is not immediately needed.

10. The system of claim 7, wherein each item of the single integrated account includes a range of material, the system further comprising means for transferring material between the ranges of material, and means for entering ranges of material in different items, such that material within a range of material can be copied to other related ranges of material.

11. The system of claim 7, wherein the means for establishing a single integrated account comprises means for establishing a credit card account entry.

12. The system of claim 7, wherein the means for establishing a single integrated account comprises means for establishing a line of credit account entries.

13. The system of claim 7, wherein the means for establishing a single integrated account comprises means for establishing a secure credit account entry.

14. The system of claim 7, wherein the means for establishing a single integrated account comprises means for establishing a money market account item.

15. The system of claim 7, wherein the means for establishing a single integrated account comprises means for establishing an insurance account item.

16. The system of claim 7, wherein the means for establishing a single integrated account comprises means for establishing a retirement account item.

17. The system of claim 7 further comprising means for displaying bank notes connected to the means for establishing a single integrated account, whereby the bank notes are updated when the account is established.

18. The system of claim 7, further comprising:

means for updating the database to reflect the user selection of the at least one single integrated account item; and

means for displaying a screen of the bank account, wherein the screen reflects a user selection of at least one account item.