Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2008-05-20
2008-05-20
Kramer, James A (Department: 3624)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S043000
Reexamination Certificate
active
07376622
ABSTRACT:
A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.
REFERENCES:
patent: 5136633 (1992-08-01), Tejada et al.
patent: 5416830 (1995-05-01), MacMillan et al.
patent: 5440615 (1995-08-01), Caccuro et al.
patent: 5457305 (1995-10-01), Akel et al.
patent: 5592538 (1997-01-01), Kosowsky et al.
patent: 5650604 (1997-07-01), Marcous et al.
patent: 5659165 (1997-08-01), Jennings et al.
patent: 5771276 (1998-06-01), Wolf
patent: 5794218 (1998-08-01), Jennings et al.
patent: 5850429 (1998-12-01), Joyce et al.
patent: 5905774 (1999-05-01), Tatchell et al.
patent: 5915001 (1999-06-01), Uppaluru
McDougall, B. Electronic Evolution, Canadian Banker, Sep./Oct. 1995, vol. 102, Issue 5 p. 28.
Thacker, K. and Bernstein, R. Does Home Banking Have a Future? Canadian Banker, May/Jun. 1990, vol. 97, Issue 3, p. 44.
American Banker, Top 25 Technology Deals of the Year, vol. 162, Issue 229, p. 51, Dec. 1997.
John Downes and Jordan Goodman, Dictionary of Finance and Investment Terms, Barron's p. 559, 1998.
Padalino Ronald
Pinnell Nigel
Shinn Philip C.
Yu Wigberto
Citicorp Development Center Inc.
Havan Thu Thao
King & Spalding LLP
Kramer James A
Marcou George T.
LandOfFree
System and method for automated debiting and settling of... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with System and method for automated debiting and settling of..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System and method for automated debiting and settling of... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-2751913