System and method for integrated communications, funds transfers, confirmation and e-commerce applications
OwnerLuis G. Carcoba Olivares, Sergio Paniagua Webb +2inventors
InventorsLuis G. Carcoba Olivares, Sergio Paniagua Webb, Alvaro Mauricio Gallardo Tamoyo, Gerardo Carcoba Olivares
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Abstract
A system and method for managing financial and other data in a communications network designed to overcome language, cultural, education, financial and other barriers, is disclosed. The communications network includes one or more communication and transaction centers in the form of web-enabled kiosks, automatic teller machines, personal computers, television set-up boxes, customer activated terminals and the like, for transmitting electronic funds transfer and messaging data.
Claims85
A multi-lingual communication and transaction system for performing transactions and generating communications data, involving at least one of financial data and message data, said system comprising:
- a multi-lingual interpreter and translator that generates at least one of funds communications and interpreted communications, wherein said multi-lingual interpreter and translator generates said funds communications in one of a plurality of currencies in response to receipt of financial data, and generates interpreted communications in response to receipt of message data.
A method for providing interactive communications and performing transactions, said method comprising:
- presenting an authorized user with information relative to the authorized user's identification;
- performing a system check for pending financial transactions associated with the authorized user, and generating financial data;
- performing a system check for pending message communications associated with the authorized user, and generating message data;
- presenting the authorized user with at least one of service options and transaction options for responding to said message data generated and said financial data generated;
- and
- processing said at least one of service options and transaction options presented to said authorized user.
A communication software suite comprising:
- a multi-lingual system for accommodating cross-language and cross-cultural user requirements;
- a foreign remittance transaction system for accessing and processing data as accommodated by said multi-lingual system;
- and
- a direct funds delivery system, having a secured funds delivery system, for transfers of said data.
A communication and transaction system for transferring funds and message data together, said system comprising:
- multi-lingual means for interpreting and translating financial transactions in one or more languages;
- and
- remittance transaction means for at least one of processing, sending and receiving said financial transactions.
Dependencies are inferred from the claim text.