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Method and System to Improve the Efficiency of Personal Financial Business

IP.com Disclosure Number: IPCOM000242924D
Publication Date: 2015-Aug-31
Document File: 9 page(s) / 167K

Publishing Venue

The IP.com Prior Art Database

Abstract

This disclosure discloses a method and apparatus to improve the efficiency of personal financial businesses, which: 1) provides a Business Advisor to guide user determine appropriate type of business before he comes to branch 2) provides a Form Filler to help user collect required information for request form filling and/or guide user to correctly fill request form 3) securely transmit prepared user request form to bank before doing the business

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Method and System to Improve the Efficiency of Personal Financial Business

Despite of the rapid development of self-service banking business, people still need go to branch for specific business like opening account, large cash withdraw, risk evaluation, etc. Still, people suffer from the long waiting and processing time.

The diagram below shows a sample of the process that a customer need to go through for conducting a banking business and the time-consuming activities are highlighted with red stars. Then, how to eliminate or improve those time-consuming activities with technical approaches?

Targeting above problem, this disclosure presents a method and apparatus to improve the efficiency of personal financial

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businesses, which:
1) provides a Business Advisor to guide user determine appropriate type of business before he comes to branch
2) provides a Form Filler to help user collect required information for request form filling and/or guide user to correctly fill request form
3) securely transmit prepared user request form to bank before doing the business
The high level system architecture of the disclosure is as below:

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The Business Advisor asks user a list of questions and recommend appropriate type(s) of business based on the user's answers to the questions. The method for generating a Business Advisor is as below:

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An example of dialog is "Credit Card Application"

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An instance of the dialog "Credit C...