Abstract: A system and method for identifying and communicating the availability of additional products to at least one customer of a financial institution is disclosed. A processor analyses data about the customer and identifies characteristics indicative of financial products compatible with the customer's financial needs. The customer's files are appropriately electronically tagged and representatives of the financial institution are alerted of the marketing opportunity and, in turn, communicate the availability of the product to said customer. The representative may be a teller, branch manager, telemarketer or direct mail supervisor. Reporting of tagging is also provided.

Abstract: An automated bank teller machine (ATM) is provided which is characteristically easy to configure, regardless of whether a replenish-from-the-front (RFTF) configuration or a replenish-from-the-rear (RFTR) configuration is chosen. In particular, the ATM according to the present invention includes a security chest module, a top module, and an interface module. These components are common to both configurations can be built and stored in advance, and can be thereafter configured as desired. In another embodiment, an ATM is provided that permits more than one customer to use the ATM at the same time.

Abstract: An electronic sales and service support system and method for identifying sales targets using a centralized database to improve marketing success. The system includes a central database that receives comprehensive information from a variety of internal and external feeds, and standardizes and households the information in a three-level hierarchy (households, customers, and accounts) for use by a financial institution. The comprehensive information stored on the central database is accessed through micromarketing workstations to generate lists of sales leads for marketing campaigns. A database engine is provided for generating logical access paths for accessing data on the central database to increase speed and efficiency of the central database. The system distributes sales leads electronically to branch networks, where the sales leads are used to target customers for marketing campaigns.

Abstract: Disclosed is a system and method for transferring funds. The invention supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Access is achieved by the recipient entering a codeword selected by the sender, along with a transaction code randomly generated by the system. Once the sender provides the codeword and the transaction code to the recipient, the recipient can receive transferred cash through an ATM, even without using a card to access the system. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account. Although cash is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender, the sender's account is not debited until the cash is actually received by the recipient. Other features, including security, cancellation, and status inquiries are also described.

Abstract: A processing system and method receive batch payment data from a plurality of different sources, such as lock-boxes, an ATM or customer activated terminal, an enhanced telephone, a bank teller, or a personal computer. The batch payment data is converted into individual transaction data for on-line processing and is sent to a temporary payment queue. A transaction mover places the data from the queue to a transaction queue and a transaction router subsequently assigns the transactions to available drivers. Each driver processes the payment data and makes appropriate account information updates to a set of master files. A transaction handler coordinates the control of the transaction mover as well as the control of the transaction router. The system operates in conjunction with on-line operations, such as customer service and other mortgage services, and has a transaction handler monitor which controls the speed of processing so that on-line operations can continue during the processing of the payment data.

Abstract: A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones. In addition to providing services to these remote devices, the system and method provide services to automatic teller machines (ATMs), external service providers, and internally within the financial institution to staff terminals and to the individual branches of the financial institution. The delivery of financial services is not limited to any particular network but rather may be provided through dial-in access, Internet access, on-line service provider access, or other types of delivery networks. The system is comprised of a set of reusable global components which are modular and are organized into services sets.

Abstract: A sales process support system and method for identifying sales targets using a centralized database to improve marketing success. The system includes a central database that receives comprehensive information from a variety of internal and external feeds, and standardizes and households the information in a three-level hierarchy (households, customers, and accounts) for use by a financial institution. The comprehensive information stored on the central database is accessed through micromarketing workstations to generate lists of sales leads for marketing campaigns. A database engine is provided for generating logical access paths for accessing data on the central database to increase speed and efficiency of the central database. The system distributes sales leads electronically to branch networks, where the sales leads are used to target customers for marketing campaigns.

Abstract: The present invention relates to the use of computerized intelligent agents to facilitate the integration of networked performance of financial transactions with computerized methods of financial accounting. Incorporated into this combined financial transaction/financial accounting system are intelligent agents that automatically analyze the system information to provide users with financial advice. This invention permits the automated performance on-line of a wide variety of financial transactions and integrates these transactions with computerized financial accounting. All of this information is collated and analyzed automatically by intelligent agents, which generate user-specific financial reports, profiles, and advice, and under appropriate conditions take action.

Abstract: The invention includes a device, method, and system for clothing organization that includes a hanging structure, such as a large hook, attached to a hanger body, arms attached to the hanger body that can be unlatched and swung to a horizontal position, and a latching system to hold the arms in place. Several conventional hangers can be attached on each arm, allowing clothing to be hung by hangers on the device in an organized fashion, such as by outfits. In addition, the invention provides for vertical positioning of the arms with conventional hangers hung on the arms, which allows a compression of the clothing on the conventional hangers and efficient space saving. The hanger body of the invention also includes attached c-shaped accessory holders that allow easy organization and retrieving of accessories.

Abstract: A system for communicating with a global electronic delivery system that integrates a plurality of financial services provided at different geographical locations and in different time zones, and delivery such services directly to a customer facility at any time requested by the customer. The customer connects to the system whenever desired to access each of the services, and the delivery system stores and routes messages between the customers and each of the service providers at the respective times when the customers' facilities and the service providers' facilities are operative. The communications system can comprise a stand-alone personal computer, a local area network, and/or a mainframe computer. The communicates system also includes a variety of security functions that provide different levels of access to the services for different customers.

Abstract: An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage components. A consistent user interface means is provided to allow a customer to access the account from a different sources including at least an automatic teller machine, a phone and a personal teller transaction. The account is flexible enough to include a variety of other components such as a credit card component, a line of credit component, a secured credit component and a money market component. A system and method for opening a single integrated account for a customer in a single session is also described.

Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to "leverage" existing programs because now the institution can automatically "project" its existing stock of program services unto new access devices--devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems.

Abstract: A method and system for providing specialized contacts for electronic information on a smart card in the pattern of a source identifier and such that a machine may contact and read the information upon placement of the card in a reading device. The contact points for reading information on the card are formed by etching a substrate attached to the logic element of the smart card. The etching allows both the foreground and the background of an image, in two selected colors, to be included within the contact area of the smart card, with the foreground constituting the conductor and the background the resist.