Browse Prior Art Database

Internet Image Statements

IP.com Disclosure Number: IPCOM000118142D
Original Publication Date: 1996-Oct-01
Included in the Prior Art Database: 2005-Apr-01
Document File: 4 page(s) / 132K

Publishing Venue

IBM

Related People

Gilbreath, CD: AUTHOR [+2]

Abstract

Internet Image Statements (IIS) is a proposal for a new High Performance Transaction System (HPTS) product or a new option to the HPTS Image Statement Application. IIS provides banks with a very cost effective alternative for delivering image statements to their customers via the World Wide Web and the Internet.

This text was extracted from an ASCII text file.
This is the abbreviated version, containing approximately 41% of the total text.

Internet Image Statements

      Internet Image Statements (IIS) is a proposal for a new High
Performance Transaction System (HPTS) product or a new option to the
HPTS Image Statement Application.  IIS provides banks with a very
cost effective alternative for delivering image statements to their
customers via the World Wide Web and the Internet.

      Sample User Interaction

      The first action on the part of the users would be to obtain
the required relationship with their bank, and the required hardware
and software.

      Requirements

      The following items would be required before a user would be
able to subscribe to Internet Image Statements:
  o  A relationship with their bank.  The bank would register a
      pass phrase for the user and add the user's account to an
      internet image statement cycle.
  o  A computer with any image capable, encryption enabled Web
      (World Wide Web or WWW) browser, i.e., Secure Sockets Layer
      (SSL).  For example:
     -  A PC with Microsoft Windows 3.1 and the Netscape browser
         installed, or
     -  A PC with OS/2 and the IBM Secure WebExplorer.

      Sample Interaction

      The following sequence of user interactions briefly illustrate
a user's perspective of Internet Image Statements and thus, its
potential value.  The user...
  1.  Contacts their bank and subscribes to internet image
       statements.  The user gives the bank a pass-phrase
       to use for user authentication.  The bank gives the
       user the required port(s) and Universal Resource
       Locator (URL).
  2.  Configures the encryption parameters for their browser,
       i.e., public and private keys and their banks SSL port
       (usually 443).
  3.  Launches their browser and enters the bank-supplied URL.
       The encryption parameters are negotiated automatically
       by the browser and the banks httpd server.  A form is
       displayed requesting their bank account number and pass
       phrase.  The account number, pass phrase, and all
       subsequent transmissions are encrypted with either the
       user or bank's private key.
  4.  The user selects the desired statement for viewing.  The
       current statement is the default.
  5.  The user's bank statement is displayed by the browser
       in the same format as their paper statements were in
       the past.  After each transaction is a hypertext link
       to the available check image segments, i.e., an image
       mapped icon with four selectable regions:  Graphical
       representations of front Black/White (BW), front Gray
       Scale (GS), back black white, and back gray scale.  The
       user prefers the quality of gray scale images, and selects
       the front gray scale region for a transaction.  In...