Global financial services integration system and process

(12) United States Patent

Schein et al.

IIIIIIH

US006226623B1

(io) Patent No.: US 6,226,623 Bl (45) Date of Patent: May 1,2001

(54) GLOBAL FINANCIAL SERVICES

INTEGRATION SYSTEM AND PROCESS

(75) Inventors: Arthur A. Schein, Rockville Center,

NY (US); Paul Aran, Scotch Plains, NJ
(US); Dan A. Demeter, Woodmere, NY
(US); Faraz Ataie, New York, NY
(US); Frank Bamberger, Brooklyn,
NY (US); John McGlynn, Stamford,
CT (US); Florence Musalo, Manhasset,
NY (US); Margot Paul, Harrington
Park, NJ (US); John Poplizio, Milford,
CT (US); Lucila (Uchie) Rico, New
York, NY (US); Michael Tsien,
Tuckahoe, NY (US); Michael Yorke,
Port Washington, NY (US)

(73) Assignee: Citibank, NA, New York, NY (US)

( * ) Notice: Subject to any disclaimer, the term of this patent is extended or adjusted under 35 U.S.C. 154(b) by 0 days.

09/077,458

May 23, 1997

PCT/US97/08413

May 29, 1998

(21) Appl. No.:

(22) PCT Filed: (86) PCT No.:

§ 371 Date:

§ 102(e) Date: May 29, 1998 (87) PCT Pub. No.: W097/43893 PCT Pub. Date: Nov. 27, 1997

Related U.S. Application Data

(60) Provisional application No. 60/018,195, filed on May 23, 1996.

A global standard messaging system and process for allowing customers to access a full range of global financial services using a variety of access points. The system includes a global communications network that integrates customer information and makes the information accessible from remote locations. The system includes a comprehensive database assembled from diverse sources and systems and processes for retrieving the information from the central database in a meaningful and practical way. The system includes several levels of access communications as well as built-in flexibility so that it can be accessed by a variety of remote systems of varying degrees of complexity and language. System and process permit rapid communication among worldwide users of the service as may be desired by industries relating to the transfer of finances.

20 Claims, 13 Drawing Sheets

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