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
09387381
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.
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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.
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