Integrated system for providing financial services including internet TV capabilities
OwnerPeter Tompkinsinventor
Life of this patent
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Abstract
The methods and systems of the present invention allow for the integration of different electronic commerce (“e-commerce”) and electronic banking (“e-banking”) technologies to advantageously provide an increased level of services to banking customers including consumers and merchants. A particular feature of the present invention is the integration of a television interface with e-commerce, home banking and credit/debit card processing services and internet technologies to provide a single conduit for merchants and consumers to financial services networks.
Claims10
A system for providing financial services and facilitating transactions among a user, a merchant and a financial institution comprising:
- a user interface and at least one of the following financial services industry systems:
- an interactive bill presentment and payment system accessible through the user interface;
- a merchant payment processing system administered by the financial institution;
- a credit and debit system administered by the financial institution;
- a home-banking system;
- and a processor for receiving data from the user interface and translating the data into a form usable by at least one of the interactive bill presentment and payment system;
- the merchant payment processing system;
- the multi-function financial services system and/or the credit and debit system;
- wherein the user interface comprises a television.
The system of claim I wherein the processor is located at the site of the television.
The system of claim I wherein the processor is part of a server maintained by a financial services institution.
A method for providing financial services and facilitating transactions among a user, a merchant and a financial institution comprising:
- providing a user interface that allows a user to access and at least one of the following financial services industry systems:
- an interactive bill presentment and payment system accessible through the user interface;
- a merchant payment processing system administered by the financial institution;
- a credit and debit system administered by the financial institution;
- a home-banking system;
- providing a processor for receiving data from the user interface and translating the data into a form usable by at least one of the interactive bill presentment and payment system;
- the merchant payment processing system;
- the multi-function financial services system and/or the credit and debit system;
- wherein the user interface comprises a television.
Dependencies are inferred from the claim text.