Internet Image Statements
Original Publication Date: 1996-Oct-01
Included in the Prior Art Database: 2005-Apr-01
Gilbreath, CD: AUTHOR [+2]
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.
Internet Image Statements
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
action on the part of the users would be to obtain
the required relationship with their bank, and the required hardware
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
- A PC with OS/2 and the IBM Secure WebExplorer.
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
2. Configures the encryption parameters for their browser,
i.e., public and private keys and their banks SSL port
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...