CN1191618A - 集成全方位服务的客户银行***及用于开启帐户的***和方法 - Google Patents
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Abstract
一种集成金融***,其包括允许客户进行各种金融交易的单一客户帐户(17),此帐户至少包括银行项目及中介项目,一相容的使用者界面装置(10)能使客户从不同来源(12)进入此帐户,来源至少包括一自动柜员机(12[2])、一电话(12[5])以及一个人柜员(12[7])的交易。此帐户具有足够弹性来包括各种其他项目,例如一***项目、一列信用项目、一保险信用项目、以及一货币市场项目。另外,本发明还描述了一种以一次对话为客户开启一集成帐户的***和方法。
Description
本专利文件受版权保护。版权所有者同意任何对该专利文件之复制,但限于专利商标事务所之档案记录内,否则均受版权之保护。
本发明请同时参照共同待审的1995.6.7所申请的美国专利08/483,710号“提供集成经纪之方法与***及其他透过客户启动终端机之其他金融***”。
本发明涉及金融交易***。特别是涉及一种集成全方位服务的客户银行***,及开立一单一帐户使客户能利用不同的进入点而享用全球金融服务的***及方法。
近年来,金融机构大幅的变化。例如,银行目前能提供比以前更多元化的产品与服务,这些新产品与服务主要可分为二大类。一类为金融机构新技术的相互作用,另一类为金融机构所提供的新金融服务或产品。
银行间相互作用的创新技术包括现今到处可见的自动柜员机及客户启动终端机(ATMs and CATs)。最近更有屏幕语音(screen phones),银行用之个人电脑,个人数位辅助,语音回应***以及智能卡片。现今的技术可使客户能在任何时间、地点进入其银行***。尽管存在有这些技术上的进步,但只有极少数的银行客户能完全利用所有进入点的好处。
金融机构还开始提供比传统帐户更多的服务范畴,如投资及金融服务。传统的银行市场倾向以开立新帐户吸收客户,最典型为支票存款或储蓄存款。然而,当银行提供额外的金融产品或服务时,银行即试图越区销售新品种帐户给那些已在所说的银行存在有帐户的客户。
传统的帐户开立及越区销售新帐户的一大障碍是:客户必须反覆地提供相同的资料给银行。这一点非常之不便,此也是金融产品的一项重大的阻碍。
金融服务是一种很富有惯性的商业行为。一旦客户开立帐户,他或她并不喜欢改变该帐号,因为那是一件复杂而困难的事。大部分的人并不留意金融服务。而当某些事发生在客户的生活中时,而使其去作改变或开立一新的帐户。只有在惯性被改变的时候,如搬迁,死亡,家庭的形成,客户由于生气而决定要有所改变,或其他事件的发生等。因此,在客户开立一新帐户时,是因他们有了新的开户原因,但要使他们再开立另一新户是很困难的。因此,越区销售金融商品非常困难。一旦人们开了一些帐户,就需在其生活中发生了某些事才会使他们再开立另外的帐户。
为了排除这些阻碍,本发明旨在建立与客户间的关系,更胜于开立一些孤立而无用的帐户。调查研究结果显示客户与银行的关系更加深,客户存款余额也增加了。本发明人发现,建立与客户长期关系的方法为:开立一单一帐户,而客户即能进入全部的服务***。
当然,在过去也有尝试提供联合帐户。如在1976、1977年介绍的花旗卡帐户,即为第一种结合了四或五种性质的帐户在一起。一般交易帐户,短期储蓄存款,每日计息储蓄存款,及90天期储蓄存款,支票存款及支票存款透支均结合在花旗卡帐户内。在往后的十年里,其他银行也开始跟进。提供“联合帐户”,其基本上结合了储蓄性存款及一部分的信用贷款--非常传统的银行产品。
另一重要的发展是由特定经纪公司所提供的资产管理帐户。这些帐户可以在一单一的帐户中提供多种证券服务。而经纪公司并不能提供传统的银行服务。例如:Merrill Lynch的现金管理帐户(CMA)。有关这种帐户的描述可参见美国专利申请第4,346,442号(Musmanno);美国专利申请第4,376,978号(Musmanno);美国专利申请第4,597,046号(Musmanno等人);美国专利申请第4,674,044号(Mussmanno等人);美国专利申请第4,774,663号及美国专利申请第5,270,922号(Higgins)Merrill Lynch所提供的帐户只限于证券之交易而不包括所有的银行产品。
同样的,当客户开立此经纪帐户,就不需再另外为财产的交易或固定收入(fixed income)的交易开立额外的帐户。
花旗银行帐户接下来的发展即称为资产网络帐户。其包括所有的经纪服务,以及银行服务。这种类型的帐户中最初被引起注意到的是花旗黄金帐户(CitiGold A/C)。它是专为老练的投资者所提供的经纪帐户。该种帐户的重要特性是以每日为基准地将资金投入资金市埸帐户。此种帐户并不适合于一般包括非老练的投资者在内的投资者所使用的广泛的市埸帐户。花旗黄金帐户也不包括***的帐户功能。其是专为老练的投资者所精心设计的帐户。
花旗黄金帐户***引入了在所有客户进入点范围内提供服务的集成性和一致性的观念,包括ATM机器自动语音回应***,电话经纪人,人员屏幕(STAFF SCREENS),电脑上的银行总行,及屏幕语音的银行总行***等。换言之,在与每一金融机构接触时,客户可以得到关于其帐户的相同回应以及能够从事各项交易。
花旗银行帐户的另一发展是“CITIONE”帐户,其开始于90年代初期。这种帐户结合了传统的银行帐户及储蓄存款帐户,因此客户可进入所有上述帐户交易中,在某些地区CITIONE帐户还包含了证券或借贷的服务功能,如信用服务。
有了CITIONE帐户,客户可将各种帐户随意地结合在一起,因此,金融机构不同的产品与服务可被结合在客户的帐户内,且能依客户的需要而定。其主要特征(在美国)包括了支票存款,每日计息储蓄存款,加入保险的资金市场帐户,定期存单(CDS)及***。
接下来发展的是花旗银行资金管理帐户(CMMA),约发表于1993年1月。CMMA可提供客户结合不同种类之帐户而完成一更广而多元化的金融交易,其包括传统的银行交易,经纪商交易及借贷交易。各别客户可依其不同的目的而结合不同的产品交易。此***将各个特征作成目录,例如“你的银行存款”,“证券”,“借贷款”,“***”等等。另外,CMMA可使银行客户进行“ONE-STOP”方便的购物(金融商品)。其产品也提供一致的显示。例如在屏幕语音,个人电脑银行,其显示出的表头(TOP MENU)如同在ATM机器上的菜单一样。但是,在最开始之屏幕显示后,此***即开始传输分散。
尽管有CITIONE及CMMA帐户提供的机会,然其仍有显著的改进空间,特别是本发明人认识到虽然一些基础设施是正确适当的,但却仍未达到包含所有特征的单一帐户的构想和对其的了解。这些帐户仍依特殊目的需求而立,且客户需开立其各个独立的帐户,而且还需要对客户作有关这类帐户的教育宣传及出售这类帐户。
随着远程异地传送产品技术的发展,这些新帐户可能为客户提供改进的服务;及显著的操作效率及降低成本。再者使用集成金融***所获得的潜在利益并非CMMA所能完全想到的。
目前采用的金融***有许多缺点,可能使新的技术服务降低其收益性。首先,现有的***可能不是很容易亲近了解。虽然客户可用不同的方式进入该***,而为此,客户必需拥有特殊的技能,如:精通电脑,或一定程度的技术能力,但这些并非所有潜在的客户都能具备的能力。因此,对进入不同服务的***应尽量简化。
另外,客户并不常常注意到银行所提供的不同服务。当银行经常性的在其分行或其他地方作广告及宣传这些服务时,并非所有客户都会注意或接受如此的宣传活动。更重要的是,可能这些宣传产品并非刚好在客户欲改变的时机出现。
因此,目前仍需要一种提供金融服务的改进的集成***。特别是改进进入金融机构***及客户在金融机构开立帐户的***。
本发明提供一种完整地进入集成金融***的改进***。
本发明所称之单一帐户是一大范围的金融市场帐户,它适合于广泛的用户。此帐户提供完全的投资功能,完全的银行功能,及票据付款功能,借贷功能.....,基本上客户可能需要的每种金融性需求,此帐户也可包括保险准备,退休金帐户等。本发明的特征是集成不同的服务***,及使这些服务能适用于客户的方法。在此,所有的服务都适用于每一客户在每一进入点使用一致的方法。
为了改进接受此种帐户,有单一的界面进入点是很有帮助的。单一的界面可使其单一简单化,但更重要的是从客户的观点来看。当银行提供更多的产品时,银行必需使客户能容易地使用此新产品或是原有的银行产品。单一的使用者界面可促使其更快速地熟悉新的产品与技术。
在本发明较佳的实施例中,较宽范围的服务项目包括投资服务,银行交易服务(银行投资保险金利率帐户及定期存单),证券(普通股,衍生性金融商品,共同基金),定期年金,担保放款,无担保放款,以及***。该帐户亦可包含保险项目,如财产,健康及人寿保险。其更可进一步包含退休项目,包括401K项目及IRA项目,且均为分离课税。
因此,本发明***包含三项重要的特征。首先,此***允许客户通过不同的方法进入金融机构,包括自动柜员机,屏幕语音,个人电脑,语音电话等等。其次,该***提供一单一的客户界面。
另一不同点为,本发明的单一帐户其范围之广更胜于以往的帐户。例如,本发明的帐户包括***项目,经纪项目,或保险及退休金项目。所有的银行服务项目均含盖于本发明之单一帐户内,其并不只是一些选择性的服务而以。特别是,本发明的单一帐户可在全球各地有分行的地方提供服务。
本发明还提供了一种一次性开户的***,其包括依客户的金融和/或投资的状况而定,也就是依收集到的客户资料分析客户的需要,而依客户需求的评估,作出建议,而输入客户的选择项目,对单一帐户增加新的项目而建立另一单一帐户,因此提供所有客户需要的服务与最好的客户需求满足。开立信用支票,依所提供的服务收取手续费,授权客户使用不同的产品,包括发行银行卡片,及个人识别码以确认被漏失的资料以及提示使用者输入尚未被提供的资料。此***同时还包括一连接每一项目内的资料范围之装置,使得任何一笔资料被收集到时,此资料同时提供给所有适当的资料领域。此外,***尚能让使用者跳过一资料范围,但稍后能提供此资料。
此***重要特征之一在于整个程序当中资料能上、下传递,因此若收集到一笔重要资料,此资料便能传送到任何有需要的地方。换言之,所有类似的资料范围都相连,这具有下列优点:第一、使用者(银行员工)不必重复询问客户资料----即使是其他使用者曾经询问过;第二、使用者可灵活地在适当时机来收集资料。
此***尚可包括一待处理档案储存装置,用以储存已收集到,但非立即需要的重要资料,以此方式,如果资料是下一步客户访问银行时才需要,***也能够找出此资料而不用再重复询问客户。
此外,***尚能让客户与金融机构利用下列途径来接触:自动柜员机、屏幕电话、语音电话、个人电脑、分行行员等,客户不需学习新的***,换言之,此***总是提供一致的客户界面,管理所有客户的资金,并且让客户在世界各地都能进行交易,以此方式,客户可选择是否要亲自去银行。或者是打电话。使用电脑等方式皆可,客户不需要改变其习惯,上述每一进入点都可进入其金融服务帐户中。
因为此***已完全集成,所以能提高效率并降低成本,金融机构可将节省下来的成本返还给客户,提高客户的忠诚度以及加强彼此关系,这对于金融机构以及客户皆有益。
从金融机构的立场来看,此***能提供客户方便,提高其忠诚度及彼此关系的建立,本发明脱离交互贩卖的模式,通知客户签字使用新帐户,而不是在一个帐户中提供客户大多不需要的全套服务。
一步法关系开启***及程序产生明显的效率,更大的优点是提高客户忠诚度并减少客户流失。从客户的立场来看,一但其开启了单一帐户,其与银行即具有一全面性的关系,客户能立即接受全面的金融服务。
本发明重要特征之一在于防火墙的规定,使客户了解有价证券与FDIC保险金的不同,能防止不小心将未保险的有价证券与联邦保险存款混合,因此,本发明能在单一帐户结余中提供一防火墙来区隔有价证券及保险存款。
因此,本发明特征之一在于提供一种集成金融***,包括:一单一客户帐户,用以使客户进行各种金融交易,该金融交易至少包括银行交易以及中介交易;一使用者界面装置,用以让使用者从多个不同来源进入该帐户,该等来源至少包括自动柜员机。电话及个人行员交易;以及对每一交易均能显示一致的使用者界面之装置,此装置适用于每一进入该帐户之来源。上述帐户具有足够的灵活性以包括其他项目,如***项目、信用项目线、安全信用项目、以及货币市场项目。
本发明之另一特征在于提供一种以一次对话为客户开启单一集成帐户的方法,包括下列步骤:建立一具有客户资料概况之资料库,该客户资料概况包括人口统计资料以及客户金融资料,该客户金融资料包括信用资料以及金融目的;根据所收集到的资料来进行需求分析;根据该需求分析来推荐一帐户,并且显示有关被选择帐户之项目的资料给该客户;显示银行的说明;修改该资料库以反映客户选择的帐户项目;显示对应于该修改所产生之另一银行说明,然后打印出至少一登记表。
本发明同时还提供一种在一集成金融***中以一次对话开启一单一帐户的***,所说的集成金融***至少包括一支票项目、一储蓄项目、以及一中介项目,该***包括:一组合个人资料概况的装置,用以收集重要资料;一建立单一客户帐户的装置,用以建立支票项目、储蓄项目、以及中介项目;以及一在此程序的任何步骤中,允许被收集的资料送至所有需要该资料的其他点,由此可以使资料的输入不超过一次。优选的是,该单一帐户的每一项目包括资料范围,而该***还包括一在该等资料范围间传送资料的装置,以及一在不同项目中输入资料范围的装置,使得在某一资料范围内的资料能被复制到其他相关的资料范围。
上述***同时可包括一能产生多次提示某资料的装置,使得使用者可以增加对收集该资料的时机之个人判断力,以及还包括一待处理档案装置,用以储存已被收集,但非立即需要的资料。此***同时也可以包括建立各种其他帐户项目之装置,上述项目包括***帐户项目、信用帐户项目线、安全信用帐户项目、货币市场帐户项目、保险帐户项目以及退休帐户项目。
最后,此***尚可包括一显示银行说明之装置,该装置用以显示一与该建立单一帐户之装置相连之银行说明,借此,当该帐户建立时,该银行说明亦被修改。
附图的简单说明:
图1是本发明之集成银行***之高阶视图;
图2A是在本发明集成金融***中开启新客户的帐户的方法之方块图;
图2B是在本发明集成金融***中开启旧客户的帐户的方法之方块图;
图3A-3C显示图2之帐户选择/需求分析步骤;
图4A-4E显示图2之建立个人资料之步骤的较佳实施例;
图5A-5M显示图2之建立帐户的较佳步骤;
图6A-6G显示图2之帐户服务的步骤;
图7显示图2中印出登记表格的步骤;
图8A-8F显示图2中设定进入等级的步骤;
图9A-9B显示图2之下一步骤的流程图;
图10A-10C显示图2显示由本发明的***产生传真屏幕画面的例子。
下面将配合附图说明本发明的较佳实施例。其中,“使用者”是指为新客户服务的银行雇员(如个人银行家,高级帐户消费银行行政人员。或是消费者银行电话服务中心代表),而“银行卡”指银行的进入卡,如金融卡,而不是***。
附图1提供本发明之集成帐户***之高阶总览,此***的核心为单一客户帐户17的提供,其具有各种单元,使客户能进行各种广泛的金融交易,这些交易可分类为(例如)银行的资金、证券、借贷、以及***。在本发明的较佳实施例中,上述分类包括:投资服务、银行交易服务(如银行投资,保险金利率帐户,以及存款单)、证券(普通股票、股利、共同基金)、年金、抵押借贷、无抵押借贷以及***,而帐户之保险部份可包括财产、健康、以及寿险部份,帐户还可包括退休部份(401K部份,IRA部份,以税基分开)。
此***还包括一使用者界面10,附图1显示此界面10,不论客户是如何进入此***,此界面都要与其相容,然而,此使用者界面10通常有几种形式,如个人电脑、屏幕电话、客户启动终端机(CAT)等,可以为集成器以及其他熟知的硬件***,通常,分离的硬件是用来传送产品及CAT,在另一方面,如果客户是亲自或以电话进入此***,则使用者界面通常为银行出纳员或电话代表,为了保持相容性,出纳员可以扩展为工作站屏幕,因此,本发明之使用者界面可以影音显示,或是银行雇员。另外,各分公司之间的硬件界面与远端进入装置(PC的,屏幕电话,PDA的)之硬件界面有很大的不同,但不论如何,使用者最后看到的结果都是一致的。
如图1所示,客户可由各种进入点12(1,2,......,N)进入使用者界面,这些点包括个人电脑(PC)12(1)。消费者启动出纳员(CAT),或是ATM机器12(2)。屏幕银行电话(SBT)或屏幕电话12(3),使用自动回答之语音电话(AVR)12(4),按键式或PBX电话12(5),个人数位辅助(PDA)12(6),利用工作站之出纳员或银行行员12(7),以及利用工作站之银行电话代表(USCC)12(8),银行帐单12(9)也是一种形式的进入点,使用者可以通过其与银行联系。简言之,此***能以各种方式进入,而提供一全方位金融服务。
本发明的集成***能增加客户的忠诚度以及银行的效率,然而,银行必须先要了解它的存在,同时新客户要使用它。
本发明的另一重要特征是提供一种***及方法,用以开启一包括全方位金融产品之帐户,其项目为:帐户选择、需要课税、建立个人资料、建立客户帐户、选择客户服务、在远端使客户登入、打印出登记表、发行银行卡、判断进入帐户的人数及身份。
实施以上项目需要一特殊程序化的电脑,一调制解调器,一打印机,以及一制卡机,将程序输入电脑,可提供各种集成帐户。通常,此***包括:用来收集客户金融及/或投资情况之装置,根据收集到的资料来进行需求分析之装置。显示帐户资讯之装置,根据需要课税而作推荐之装置,输入客户部份选择之装置,显示客户银行帐单之装置,加入帐户部份以建立单一帐户之装置(最能满足客户需要,能提供所有客户想要服务之装置),修正客户银行帐单之显示的装置,检查信用贷款的装置,根据提供的服务来判断单一费用的装置,在远端使客户登入(包括发给银行卡以及个人识别码)之装置,确认资料遗失之装置,以及提示客户输入资料之装置。
图2A及2B显示本发明的较佳实施步骤,其中图2A为新客户的步骤,图2B为旧客户的步骤,两者相当类似,差别在于银行已经有旧客户的基本资料,且旧客户对银行提供的进入点较为热悉。通常,差异在开户及转换帐户时发生。底下将会提到,本发明的步骤改变不须要离开中央目标(即简易帐户的开立),实施图2A-2B的步骤以图3A-9B来显示。
客户识别***及步骤
刚开始的步骤有时为欢迎步骤(可选择的),此步骤之目的在于获得客户初始资料,并查明客户之目的。
在与银行(通常为分行)连系后,客户受到欢迎然后排队等候,此步骤对新客户而言是有用的,***会询问客户之姓名、住址、及此次目的,然而对于旧客户,***可用以下方式确认其身份:帐号、姓名(连同住址或邮递区号)、社会福利号及银行卡(键入***或密码PIC),***本身包括特殊程序化电脑或工作站。以及输入装置(如键盘、读卡机、鼠标器或触摸式屏幕),客户可用其输入资料给使用者。
欢迎***会开启(若为新客户)或传呼(若为旧客户)资料状况,使出纳员(或行员)能够了解全部情况,包括有:***、抵押减税投资等资料。***依客户需求及客户量来决定进入等级,例如,***设有进入限制,使交易能尽快完成,而银行职员通常需要花费较多时间来面对客户,因此需要有欢迎的步骤。如果一开始没有找到客户资料状况,则***会在检查信用前,先提醒下一位使用者抓取客户资料状况。
开始的欢迎步骤100虽非一定需要,但对客户而言仍有帮助,***不必询问客户早已提供的资料,此步骤尚可判断客户的来意,更改客户的进入方式,并立即满足客户需要,正如下面将要讨论的那样,此步骤还使下一位使用者为客户做好准备。
查看资料***及步骤(200)
在面对客户前,使用者(银行职员)应先查看客户资料,此***应包括一般用途之电脑及/或具此功能之网络工作站,电脑或工作站应有显示功能,而查看之主要目的在于为与客户接触作准备。
谈话立即需要***及步骤(300)
客户有时与银行接洽仅是为了十分具体和简单的事情而能很快地处理掉,例如购买定期存单或是美国储蓄债券,在这种情形下银行应该提供快速服务,而此***可允许客户来决定是否要进行简易交易,因此,***须包括一具有显示器或其他装置之程序化电脑或工作站。
帐户类型选择***及步骤(400)
在客户接受欢迎以及其立即的需要获得处理后,客户就会面对下一个使用者(通常为银行职员)(如果在谈话立即需要***中没有处理),而客户的资料情况就会在一***中继续,银行职员要求客户决定其金融需要以及如何服务,举例而言,客户要决定帐户的种类(假设银行提供一个以上的帐户种类),开户的流程有足够的弹性,使客户能开一个帐户(如短期定存),或者客户想要较多时间来讨论他的需求,以决定何种帐户最适合。要达成以上目的,***必须包括一般功能之电脑或工作站,用以要求客户提供资料,用以接收资料并送所有相关单位,此外,***还须包括一适合的输入装置,供使用者与电脑交谈。
讨论可让使用者(通常为银行职员或是消费者银行电话服务中心代表)了解客户对何种帐户有兴趣,以及使用者要卖什么给客户。为达此目的,***的程序须使资料能送至需要的地方并且要能检查资料是否已送达,一般的电脑可胜任此工作,在此方式中,资料仅被要求一次,使客户感到最大方便。如以下所讨论的,此***同时还提供一“待处理档”,用以储存有关但非立即需要的资料。
如图2A及2B所示,新客户及旧客户的程序略有不同,详言之,对新客户而言,每一步骤都要照顺序进行,但对旧客户而言,其可选择跳过帐户介绍或者整个需求评估步骤。另外,此***可让使用者(银行职员)练习其判断力。然而,正如下面所讨论的那样,新客户与旧客户的步骤大致相同。
需求评估***及步骤(500)
此步骤其实为一销售工具,让使用者及客户能选择最佳的帐户以及客户所需求的项目,而此***具有弹性,可依订单来提供资料(订单与客户立即的需求,以及使用者或电话服务中心代表之意见相符),此外,***具有一电脑,可送出资料至需要的地方。以此方式,使用者可稍缓输入详细资料。
此需求评估步骤包括输入资料来回答更详细的问题(其确认客户的需求和/或使用者的销售机会),这些问题将有助于使用者照规定来提供集成银行帐户给客户,此***的程序可使资料传至其他相关的地方。
图3A-3C可说明帐户选择以及需求评估步骤,但其中有几个重点须注意。
如图3A所示,当使用者进入帐户选择步骤时,屏幕会显示选择帐户或评估需求的选项,如果客户对某个帐户感到兴趣,如“花旗银行CITYBANK”或“CITIGOLD”的帐户,则需求分析的步骤即跳过。
在图3A中,当使用者选择“选择帐户”时,则屏幕会列出可选择帐户的表。反之,若客户要需求分析时,则使用者会选择“评估需求”,然后进行图3C之步骤。在图3A中,也可以不选择“花旗银行帐户”。
图3C可说明本发明的需求评估步骤,当使用者决定要评估需求时,屏幕就会显示一功能表让客户选择,例如“信用”、“金融目标”、“个人”、或者不选、“金融图案”。在选择以后,客户就会被要求提供相关资讯,直到需求评估完成后,步骤才结束。
图3B为提供产品资讯步骤,其中,***可让使用者提供客户选择项目的资讯,此步骤可不断重复,直到所有问题都被回答为止,此时,使用者可选择进行个人资料情况的部份。
本发明***的重要特征之一在于具有弹性,如果使用者认为客户不应该提供资料,则使用者可以选择不提供,但是***会留下记录,使得稍后资料可以收集起来。
客户资料情况会与基本需求评估的答案一起贮存,因此,其他使用者(银行雇员)皆能使用客户的资料,而不论客户是与那家银行接触。
如上所述,本发明***具有一“待处理档案”,其贮存并非立即需要的资料,详言之,此***尽可能具有某种形式的电子复原贮存装置。
此***可包括一些使用者销售工具,例如,借贷权限分析(BORROWING POWER ANALYSIS),让使用者能列印价格资讯。
其它销售工具尚包括24小时进入之资讯,金融建议;利率及服务,而使用者也能快速跳过这些销售工具。为了要容纳BPA报价资讯以及其他销售工具,此***须有一般功能之电脑和/或工作站。
帐户介绍***与步骤(600)
对新客户而言,此步骤为介绍由银行所提供各种类型的集成帐户,而可使用的元件以及每月询价也尽量讨论。对旧客户而言,此步骤为解释新的集成帐户。
如使用者收到客户指示要开户,则会检查其信用,通常,检查包括二个独立的步骤-第一、查看此客户是否列于不良客户名单之中,例如,CHEX审查;第二、标准信用局报告。为方便与外界服务处或代理处连系,此***最好具有调制解调器或其他通讯设备。
通常,***会同时执行以上二步骤,且结果会显示在同一屏幕上。然而,如果其中一结果无法得到(例如***出问题),则仍然显示另一结果。此***可以仅作基本的信用检查,例如姓名、住址、社会安全号码、生日及国籍。而可选择检查的项目包括工作、收入、以及居住成本。如果以前没有这些确认资料,则现在就会将其查出。对旧客户而言,如果最近一次的信用检查在(例如)12个月内,则***可以免除再一次检查。此外,上述二检查步骤是分开进行的,而***有权力否决第一个审查结果。如果使用者能获得工作、收入、及居住资料,则***能够同意一特定借贷数目,而同意的数目将会显示在同一屏幕。
如果客户未被核准,则***会让使用者(通常为信用部经理)来决定是否可开户,如果可以,则上述否决的情形会被记录下来,如果不可以开户,则在分行或消费银行电话服务中心就会印出“否定”讯息,并显示CHEX及/或信用局名称及电话号码。
信用检查以及需求评估被推荐为服务客户的最佳方式,***提供使用者许多销售工具,例如屏幕(组),其可让使用者清楚显示集成帐户的权限、内容项目、以及如何最快进入此帐户。
此外,***还包括一程序化电脑及适当的输入装置,用以提示使用者并且收集资料来实施此步骤。
个人资料之***及步骤(700)
在完成帐户选择/需求分析步骤后,此***便会进行个人资料的步骤。在此步骤中,使用者会收集所有尚未收录的个人资讯,由于此***有弹性,因此此处所收集的资料可根据先前所收集的资料而改变,一配备有适当输入装置之电脑将用来达到此目的,另外,最好利用调制解调器或通讯装备来使电脑与外界信用部门连系。
在某些情形下,如果先前没有执行信用检查,则在此步骤中便会执行,例如个人的工作,利用一屏幕(对帐户上的签名者)来抓取个人资讯,用一屏幕(同样对签名者)来抓取工作资讯,在工作屏幕上的资讯包括有目前和以前雇主的姓名及地址,而相关的资料会显示在屏幕上并且传到信用部门,使得在审阅信用时不需要再进行确认。
本发明的***能让使用者抓取客户较喜爱的语言,如果客户为外地人,则帐户上就会作记录,并将此情形与客户所用的语言显示在客户资料概况上,以利后续服务。
图4A-4E可说明实行个人资料概况的步骤,在帐户选择/需求评估步骤完成后,即开始此步骤。如图4A所示,此步骤为收集识别资讯,例如帐户所有人、客户姓名、家庭住址及电话号码、国籍、社会安全号码以及生日。此***包括配有适当输入装置的程序化通用电脑及/或工作站,来进行此步骤。
如图4A所示,***显示初始资料概况给使用者,因此客户不需要再提供这些资料。
在收集完初步概况资料後,***会判断先前是否已做过信用检查,如果有,则***移动到图4D的流程,以继续建立个人资料概况;如果没有,则***会询问在帐户上是否有其他的签名者,如果有,则回到图4A的流程,直到所有签名者的初始资料都收集到为止。
在每一签名者的初始资料都收集完以后,***会判断是否要与信用部门连系,如果不要,则不会有信用授权,如果要连系,则会作一质量检查来判断资料是否完整,如果不完整,则显示错误讯息,然后使用者继续使用此处理中档案,如果资料完整,则进行图4C之程序。
根据信用部门的报告,***会判断此帐户是否已得到许可,如果得到许可,则进行图4D的程序,如果不许可,则屏幕会将报告结果显示给使用者。银行雇员。如果使用者选择拒绝报告结果,则进行图4D的程序。反之,如果使用者采纳报告结果,则使用者可选择将报告打印出来。
图4D显示得到许可的情况,其中,使用者先将工作的资料打印出来,如果客户在目前的工作时间少于二年,则会打印出其前一份工作的资料,上述资料包括工作地址、电话、以及收入,如果使用者要希望依据客户的额外收入,则相关的资料一并收集,上述程序须针对每一签名者。接着,进行图4E之程序。
在为使用者IDS显示屏幕资料之后,即结束了建立个人资料概况的步骤,如果有二个以上的签名者,则会显示所有签名者的资料概况,最后,***会检查是否收到完整的资料,如果没有,则显示出讯息并让使用者继续使用此处理中档案,如果收到完整资料,则***会进行下一步骤,即建立一帐户。
帐户建立产品选择***及步骤(800)
(包括信用决定800(810))
本发明之另一重要特征即在于建立帐户的装置及方法,尤其是本发明提供一可视界面,使得使用者及客户能目睹帐户建立的过程。图10A-10C显示其例子。
如图10A所示,***会在电脑屏幕上显示帐户资料,亦即,显示银行说明之副本,其对于建立帐户而言非常重要,其可在建立帐户以前,先了解银行的说明为何,核心项目如活期存款、储蓄存款、IMMA、CD′S、退休金存款、中介帐户、信用线、及***帐户等都是。当其他项目被加入帐户内时(如下述),都会显示在说明中。
欲建立帐户,客户经由输入装置从所列的项目中选择其一,假设选择“活期存款”,则***会显示一活期存款项目建立画面(如图10B所示),此画面可让使用者选择一特别的项目并且输入一数目。在此例中,使用者选择的是“一般活期存款”。***同时会提示使用者输入一被分配的数目到活期存款项目中。
假设客户选择分配$5,000到活期存款帐户,则使用者会输入此数目,然后回到说明画面。
如图10C所示,显示的说明便会修改成余额$5,000。
以此方式,客户及使用者能够建立集成的帐户,并且看着帐户一步接一步的建立起来,此外,银行说明里的资料格式与其他客户进入点都一致。
如果客户要找的项目已经决定,则使用者便会在开户画面上选择,首先,使用者选择所有可在此次对话中开启的产品,此时,***会在银行帐户中自动指定项目数字作为负责项目,如果有必要,则被指定的数字可以被自动否决。
其次,使用者完成必要的细节,例如期限、初次存款、以及利率,然后,使用者会输入帐户名称以及任何其他需要的帐户特定资料(例如,如果没有弃权,则为签名者的数字)。图5A-5M显示开立帐户的较佳实施例,此***包括程序化通用电脑,以利进行上述步骤。
如图5A所示,***借显示说明画面来开始帐户建立的程序,此画面最好能够让使用者有机会选择集成帐户的每一项目,在图中,使用者可以从十二个项目中作选择,在选择之后,数目(存款。信用)就会显示在说明建立的画面上(如图10A及10G所示)。
通常,在选择了项目并且实行建立的程序之后,***就会提供每一项目及其资料的数目,在此较佳实施例中(图5A),如果想要,则数目可直接从说明建立的画面来输入。
如图5A所示,***可让使用者选择回到前一步骤,亦即,建立个人资料或进行下一步骤(帐户服务),如果使用者没有作选择,则***在图5A的部份就会在一个循环(LOOP)内操作,借此,客户选择一特别的项目,然后以上述程序来进行图5B-5M所示的项目,然后回到说明建立的画面(此画面会被修正来包括已建立之项目)。
如果使用者选择活期存款项目,则***会进行图5B所示的路径,例如,***会显示活期存款项目画面,然后,使用者输入分配到活期存款的数目,而***会询问此活期存款项目是否有不同的拥有者或不同的地址,如果有,则***输入子程序(SUBROUTINE),以得到此不同签名和/或变更地址的资料。本发明中一个重要的特征在于使用者刚开始知道所有已取得之重要资料,因此在子程序中,客户及使用者仅需要提供尚未被取得的资料。当活期存款项目已经建立在客户的说明书中,***便会提供建立另一个活期存款项目的可能性,如果客户要建立额外的活期存款项目,则***会显示此讯息并且执行相关程序,反之,如果客户不要建立,则***便回到图5A的说明建立的画面,让使用者能选择另一项目
如果使用者从说明建立画面中选择储蓄存款项目,则***会进行图5C的程序。建立储蓄存款项目之程序,实质上与活期存款项目相同,较特别的是,使用者会被提醒要输入储蓄存款项目的数目,然后由***提供有关不同拥有者或地址之额外资料给使用者,接着使用子程序来完成,使用者可选择建立另一储蓄款项目。在客户满意之后,***回到图5A所示的说明建立的画面。
当使用者选择保险金市场帐户(IMMA)之项目时,则***进行图5D的程序,此程序与建立活期存款及储蓄存款之项目相同,使用者输入IMMA的数目,然后可修改关于拥有者及其地址的资料,最后,如果有必要,则使用者重复上述程序来建立另一IMMA帐户。在所有IMMA项目都建立后,则回到图5A说明建立画面。
如果使用者选择定期存款项目,则***进行图5E的流程。***显示定期存款画面,然后使用者输入存款数目,接着,***会提示使用者输入参数(包括期限、利息表、以及存入指令),当所有参数被输入后,***便会让使用者根据授权来作决定,画面会根据先收集的资料来显示被授权之签名者,使用者可以加入其他签名者,如果已经有其他签名者的资料,则不需要再输入,当签名者同意客户之请求后,***便会让使用者建立另一CD项目,如果使用者要建立,则此程序被重复,而如果使用者不要建立,则***回到图5A的说明建立画面。
如果使用者选择IRA/401K项目,则***进行图5F的流程,此流程之阶层非常高,仅包括可使用选项的显示。依照图5B-5E所示的程序来建立活期存款。储蓄存款。IMMA以及CD的项目,当IRA/401K项目符合客户及使用者的要求,则***会回到说明建立的画面。
如果使用者选择证券或中介项目,则***进行图5G的流程。详言之,***会显示出一证券工作视窗,让使用者输入约定日期及时间,或者要求回电(CALL BACK),其原因在于通常建立证券项目之相关资料必须由被授权的银行员工来处理,在约定完成后,***就会建立一证券确认资料,然后回到说明建立画面。
此***同时包括一限制某些使用者进入的装置,以符合规定,例如,在“中介”部份所获得资讯属于“投资资讯”,其他的资讯对中介者而言可能有限制。依照规定,只有被授权的个人才能与客户讨论“投资资讯”,因此只有被授权的使用者才能进入此屏幕。上述限制进入的装置尽可能为程序化通用电脑。
如果使用者选择借贷项目(如支票融资),则***进行图5H的程序,***首先判断是否有信用许可,如果没有,则使用者将无法建立此帐户项目,反之,如果被许可,则***会显示支票融资提供及选项画面(内含有信用额度的讯息),客户可经由使用者来动用此信用额度,然后***回到图5A之说明建立画面。
如果使用者选择建立一无密码之信用项目,则***会进行图5I的流程。***首先判断是否有信用许可,如果没有,则使用者将无法建立此无密码信用项目,如果有许可,则***会显示此无密码信用选项以及信用利率,然后进行建立的程序,完成后,***会回到说明建立画面。
如果使用者择建立一密码信用项目,则***会进行图5J的流程,***会显示各种证券信用选项,包括普通股(EQUITY)来源、固定利率家庭普通股借贷、抵押、优先线(PREFERED LINE)、优先贷款、密码贷款以及学生贷款等。此***能显示信用利率及其他资料,在选择之后,***便会进行建立的程序,然后回到图5A的说明建立画面。
对某些产品,尤其是密码信用贷款,要使用时须提供额外的资料,如果信用部门认为客户资格不符,则除非客户有特定请求,否则屏幕将不会显示(包括)财产资料。居住费用。政府监督/HMDA资料等,任何抓取到BPA部份的资料应该放入这些画面上适当的部份。
在信用资料被送到信用部门作审核之前,***都会先作资格校对,以确保所有需要资料都已输入,如果有任何资料遗漏,则***会要求提供,如果可以提供,则使用者会输入,如果无法提供,则***会使其成为“处理中”状态。
依照本发明,信用决定画面将于开户流程中进入,因此不用离开开户阶段而进入另一***。
使用者能够完成确认及任何在信用活动(必须在开户程序中完成),在此过程中,一个借贷产品完成确认后,便会进行其他的借贷产品,许多因素(如线大小,产品种类)都会影响到确认,客户在请求产品后,其确认就会修改。
如果使用者选择其中一***选项,则***便进行图5F-5M之流程。图5K及5L的流程不同处在于银行提供普通卡与金卡指***之间的差异,流程一开始是判断信用是否得到许可,再来便是使用者输入卡片所要的资料,包括卡片种类、信用线、持卡人、副卡、姓名及照片,接着判断信用线,然后回到说明建立画面。
如果使用者选择银行提供的另一卡片,则流程大致相同,除非客户选择特别的***,那么客户及使用者可选择从一旧的银行***线转到此帐户,或者从另一信用线转至银行***。在程序完成以后,***便回到图5A的说明建立画面。
这部份程序保证客户能熟悉银行提供的各种服务,而最合适实施此程序的装置为程序化的通用电脑。
这些筛选也显示另一机会来检视客户如何利用银行来管理资金,并且有助于客户与银行间的关系,筛选必须结合资料抓取及产品/服务特征,如果合适的话,可以与客户一起检查。
图6A-6G显示***实行帐户服务的较佳实施例。
请参见图6A,***一开始便检查先前所收集的资料,判断客户是否可支票融资(为透支的保护措施),如果可以,则设定记号,***继续此程序,如果不可以融资,则***亦继续此程序,但不设定记号。接着,***判断是否超过一个服务项目被启动,如果是,则在花旗银行(CITIBANK)帐户服务屏幕上以亮光显示在被选择的服务按键上,同时显示帐户服务画面,然后进行图6B所示的流程,使用者可选择设立服务或获得该服务的资讯,如果使用者选择不要设立,则使用者可注意客户其他要求服务项目,***会跟随客户的要求并打印出登记表格。
如果使用者要设立服务或者获得资料,则***会进行该服务的流程,银行自然可以提供各式服务,在图6B中,***可提供资讯,或者设立自动转帐、付款服务、直接存款、立即进入信托基金、自动存入股利、密码贷款、透支额度、自动缴款以及电子缴款(ELECTRONICPAYMENTS)。
如果使用者选择自动转帐,则***会进行图6C及6D的程序,***让使用者设立自动转帐,然后依照图6D的程序来进行转帐。
如果使用者选择设立付款服务或获得其资讯,则***进行图6E的流程,使用者可设定一般受款人及指定受款人。如果使用者选择设立直接存款或立即进入信托基金,则***进行图6F的程序。如果使用者选择设立自动付款,则***进行图6G的程序,其中,使用者可设立对于借贷线采用多次缴款,并且选择缴款的频率。
在每一情形中,任何被选择的服务完成之后,***便会回到图6A及6B的流程,然后进行进入的步骤,使客户能利用各种进入点。
接着,由客户选择银行卡个人识别码(PIC),底下将讨论电话银行及选择TPIC(电话个人识别码),在可使用的情形下,支票将被预订。
***让使用者(银行员工或电话)以远端进入的方式来登录客户,可利用程序化的通用电脑来进行,***可提供自动登录在本地银行并且抓取客户的PC类型及磁盘尺寸(如果有需要),银行卡被开启及连接的项目将自动连接至本地银行。此***亦允许使用屏幕电话。
图8A-8F说明进行“进入”步骤的较佳实施例。如图8A所示,一开始为显示“进入”画面,使用者可修正或接受记录上的帐户名称;图8D显示此程序的子程序。
如图8D所示,然后***进入“个人识别码(PIN)进入程序”中,如果此帐户为联合帐户,则姓名接受程序及个人识别进入程序会执行帐户中第二个名字,然后***制作(浮印)银行卡片并发给客户,此步骤亦可延缓进行。为了进行浮印工作,***须具有一连接到电脑的传统浮印机器,如果浮印工作未成功,则***将会显示错误,但整个流程仍继续进行。
接着如图8B所示,***选择经确认的电话个人识别码,而且须经过每一签名者,然后进行图8C的程序,客户可利用PC而从远端选择进入银行,如果使用者接受此服务,则会判断客户是否知道所有他(她)的电脑参数资料,如果知道,则相关的参数(例如电脑类型、磁盘尺寸、调制解调器类型以及调制解调器速度)便会输入***中,如果客户并非完全知道,则***会要求提供,而在下一步骤中会贮存此资料以供使用。接着***进行图8E的程序,客户可利用屏幕电话来进人银行,***收到客户的选择后,便进行图8F的程序,此时客户便可预订支票,***一开始可不进行预订支票之步骤,而让使用者有机会更改个人资料,包括姓名、住址、帐单资料以及邮寄地址,然后再执行预订支票。接着,***进行图9A及9B的程序。
特殊指示***及步骤(1000)
在此程序中,***会收集其他剩下的资料,并且处理帐户的特殊情况,包括“最佳连络时机”或“不要连络”,“不与其他分行共享资料”。“邮寄地址”。“较佳邮件问候”等,***也可关闭其他机构的帐户,此***可配有打印机及电脑来打印收集信件并送至其他机构,此***也可传送“委托书”的情况到帐户中,取消次日维持档案的需要。如果使用者未设授权或者与“抵押顾问”约定时间,则使用者也可以与“投资顾问”约定时间,客户要改变的任何请求都可处理。
接着***进行图9A-9B的程序,一开始***会显示欲关闭帐户的资料,以及确认帐户,同时***会接受资料的上、下流程,使得先前没有提供的资料在此步骤中会被收集,***同时也提供机会来显示如何与客户联络的资料,并且显示出约定,最后,***打印出开启单一集成帐户所需要剩余的项目。
打印/传送***及步骤(1100)
在得到全部资料或者设立完成以后,***便进行打印登记资料的步骤。
打印功能须配合以下纸件工作:客户必须在纸上签字,并且将文件转送至其他单位/个人(不能用电子方式与关系银行***连系传送),上述文件资料包括:抵押及其标的照会、避税申请、贵宾帐户申请、中介申请、安全投资声明、托收之信用状、签名卡、拒绝通知书、简易借贷说明、保单以及银行存折。要实行上述步骤,***须具备有一连接到通用电脑的打印机。
客户将被要求阅读所有关于本身之详细资料,包括姓名、住址、工作、电话号码等,这些登记的资料将会显示出开户的日余额、帐户号码、开户存款、利率以及期限。
在银行分行办理与利用消费者银行电话服务中心办理的主要不同在于客户不必亲自在文件上签名或者带走广告传单,也就是说,消费者银行电话服务中心必须要将文件邮寄给客户。
图7说明打印登记表的程序,首先,***会确认打印机已就绪,如果打印机尚未就绪,则***会待其电源打开才会进行。接着,***要打印机打印出登记表,然后确认打印完成,如果打印没有成功,则程序不会往下进行,直到打印成功为止。在打印成功以后,***会要求客户无法立即签名(例如客户是用电话进行交易),则此申请案会储存至一处理中档案。
交易期封存***及步骤(1200)
最后,***进行阶段封存的程序,所有合适的文件都已由客户签字,开户资料必须参考避税或抵押咨询,并且要经由***照会,而不能用复印资料。
如果下次交易时间已设定,则使用者可打印出备忘通知(APPOINTMENT REMINDER)给客户,此通知记载有下次约定的日期和时间、目的以及客户下次会晤的银行职员姓名,如果无法决定日期和时间,则该银行职员将会与客户连系。上述通知还应包括客户姓名及邮寄地址,如果客户是利用电话开户,则通知可放入信封而邮寄给客户。
在客户离开后,使用者可从“基本需求评估”输入注意事项(无一定格式);恢复及检查“详细需求评估”的答案,如果有必要,可修正该答案;传送上述“基本”及“详细”需求评估的资料。
待处理档案
在开启帐户的流程中,可将交易期设定为待处理状态,设定要在资料传送到信用部门之前完成(如果无法使用SSN),或者在质量控制检查以后。因为设定待处理需要时间,所以客户可能要先离开,客户也可能仅是要获得需求评估,并希望以后要回到此申请程序。此***可让交易期(如中介)保持在待处理状态,以及传送其他项目录(如消费银行业务)。
当在前述之欢迎程序中,为旧客户建档时,如果旧客户有任何待处理的对话,则其可以在资料中看到,如果使用者不进行对客户建档,则其仍可由待处理项目的功能中停止待处理申请案。进入待处理项目的方式有许多种,包括客户姓名、使用者的ID分行以及产品。
待处理申请案会在“帐户开启画面”流程中显示给使用者,使用者也被允许在传送到主***之前,先作“质量控制”检查。
客户可选择要在那家分行开户,该分行的银行职员必须要能进入那些待处理的申请案中,当客户进入“识别客户”画面时,工作站的屏幕应能打信号给“客户代表”。
经由本发明之集成帐户及开户***,客户便能使用到所有银行帐户的项目,而客户若只对其中一项有兴趣时,此***也具有足够的灵活性来协助客户。当客户的资料已输入***后,客户便不需要再重复提供资料。在帐户开启时,资料对所有银行员工(使用者)都是公开的,以帮助其对客户的了解,在客户接触点(遵照法规限制)上,旧客户的资料可轻易取得。本发明之***还可发行银行卡给所有客户(即使仅有一个项目,如存折储蓄或证明),此银行卡可在银行柜台或电话服务中心作为客户的识别,并且当其被启动时,还能与新的项目连接。
结果,客户将更多地使用此集成帐户,可增加银行收入以及提高客户满意度,等同于尽量延长银行职员的工作时间并且将相同于银行分行功能提供给电话服务中心。
Claims (17)
1.一种以一次对话为客户开启单一集成帐户的方法,包括下列步骤:建立一具有客户资料概况之资料库,该客户资料概况包括人口统计资料以及客户金融资料,该客户金融资料包括信用资料以及金融目标;根据所收集到的资料来进行需求分析;根据该需求分析来推荐一帐户,并且显示有关被选择帐户之项目的资料给该客户;显示银行的说明;修改该资料库以反映客户选择的帐户项目;显示对应于该修改所产生之另一银行说明,然后打印出至少一登记表。
2.一种集成金融***,包括:一单一客户帐户,用以使客户进行各种金融交易,该金融交易至少包括银行交易以及中介交易;一使用者界面装置,用以让使用者从多个不同来源进入该帐户,此等来源至少包括自动柜员机、电话及个人银行职员交易;以及对每一交易均能显示一致的使用者界面的装置,此装置适用于每一进入该帐户的来源。
3.如权利要求2所述的方法,其中,该单一帐户包括一***项目。
4.如权利要求2所述的方法,其中,该单一帐户包括一***项目线。
5.如权利要求2所述的方法,其中,该单一帐户包括一安全信用项目。
6.如权利要求2所述的方法,其中,该单一帐户包括一货币市场项目。
7.在一集成金融***中包括一单一帐户,该帐户至少包括一支票项目、一储蓄项目、以及一中介项目、一以一次对话来开启一帐户的***,该***包括:一组合个人资料概况的装置,用以收集重要资料;一建立单一客户帐户的装置,用以建立支票项目、储蓄项目、以及中介项目;以及一在此程序的任何步骤中,可使被收集的资料送至所有需要该资料的其他点的装置,以使需要输入资料的次数不超过一次。
8.如权利要求7所述的***,其进一步包括一对某资料产生多次提示的装置,使得使用者可以增加对收集该资料的时机之个人判断力。
9.如权利要求7所述的***,其进一步包括一待处理档案装置,用以储存已被收集,但非立即需要的资料。
10.如权利要求7所述的***,其中,该单一帐户的每一项目包括资料范围,而该***还包括一在该等资料范围间传送资料的装置,以及一在不同项目中输入资料范围的装置,使得在某一资料范围内的资料能被复制到其他相关的资料范围。
11.如权利要求7所述的***,其中,该建立帐户的装置包括建立一***帐户项目的装置。
12.如权利要求7所述的***,其中,该建立帐户之装置包括建立一信用帐户项目线之装置。
13.如权利要求7所述的***,其中,该建立帐户的装置包括建立一安全信用帐户项目的装置。
14.如权利要求7所述的***,其中,该建立帐户的装置包括建立一货币市场帐户项目的装置。
15.如权利要求7所述的***,其中,该建立帐户的装置包括建立一保险帐户项目的装置。
16.如权利要求7所述的***,其中,该建立帐户的装置包括建立一退休帐户项目的装置。
17.如权利要求7所述的***,其进一步包括一显示银行说明的装置,该装置用以显示一与该建立单一帐户的装置相连的银行说明,借此,当该帐户建立时,该银行说明也被修改,该管形的颈件(20)上设置一个卡爪(21)。
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- 1996-06-06 CN CN96195804A patent/CN1191618A/zh active Pending
- 1996-06-07 MY MYPI96002313A patent/MY131756A/en unknown
- 1996-06-07 ZA ZA9604853A patent/ZA964853B/xx unknown
- 1996-07-06 AR ARP960103053A patent/AR002404A1/es not_active Application Discontinuation
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Cited By (2)
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CN1322447C (zh) * | 2000-10-02 | 2007-06-20 | 欧姆龙株式会社 | 信息中介***及其所用的信息中介方法 |
CN1326081C (zh) * | 2001-05-01 | 2007-07-11 | 美国Ups联合包裹运送服务公司 | 便于开户的***和方法 |
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EP0870258A1 (en) | 1998-10-14 |
MY131756A (en) | 2007-08-30 |
US5866889A (en) | 1999-02-02 |
CA2223791A1 (en) | 1996-12-19 |
WO1996041287A1 (en) | 1996-12-19 |
PL323864A1 (en) | 1998-04-27 |
AU6035896A (en) | 1996-12-30 |
US6131810A (en) | 2000-10-17 |
JPH11506853A (ja) | 1999-06-15 |
AR002404A1 (es) | 1998-03-11 |
KR19990022547A (ko) | 1999-03-25 |
AU709069B2 (en) | 1999-08-19 |
PL188526B1 (pl) | 2005-02-28 |
CN101241585A (zh) | 2008-08-13 |
KR100451097B1 (ko) | 2004-12-14 |
EP0870258A4 (en) | 2002-07-03 |
US6354490B1 (en) | 2002-03-12 |
ZA964853B (en) | 1997-12-08 |
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