Independent Together: Building and Maintaining Values in a Distributed web Infrastructure

LEGO® Worlds is an open environment game made entirely of LEGO bricks which you can freely manipulate and populate with LEGO models. This is also an advantage to the bank because knowledgeable bankers can be located in a centralized or regionalized location serving customers from different locations in queue rather than having individual bankers located at offices waiting for customers to come to the office. This is also an advantage for the times during the day and night when the bank offices are closed; with the system of the invention, efficient use of bank personnel will allow the customer access to a knowledgeable banker at all times on a face-to-face basis. Hence, the system 10 provides a method for video connection that allows video calls to hold, queue, transfer and conference in the context of an overall call management system. The present invention includes a method for providing banking services via video in real time to a customer at one of a plurality of remote locations from among a plurality of bankers at other locations. The method also includes connecting the available banker by video to the customer kiosk to enable a real time video conference between the banker and the customer.

The customer kiosk housing 32 includes a card reader 45 that can read a bank card, credit card, or other compatible card of the customer. This card reader 45 may be a magnetic strip reader that permits the reading of data stored in a magnetic strip on a bank card, credit card or other type of card. This allows the bank to centralize bankers who are knowledgeable in the financial services and products being offered by the bank in one location (or more than one location in the interconnection of the system) rather than having to have the bankers placed at each of the branch locations of the bank where they may incur down time in waiting for customers. Also, to provide full service, each branch office of the bank must have a person knowledgeable in all aspects of the financial services and products that the bank provides. 3. The goods or securities should not have been entrusted to the bank for a specific or special purpose. Instead of one computer that performs all of these functions, the banker may have one computer that enables access to the bank’s financial services, products and information, and another computer that is directly connected to the customer kiosk via the video communications link, although it is preferable to have one computer perform all of these functions.

A first communications link is provided that connects the customer kiosk to a central information processor containing information and data files regarding the customer’s account and the bank’s services, products and information. The method of the present invention also includes the step of connecting the central information processor to an available banker using a call distributor that will search for an available banker from a plurality of bankers. It is also a feature of the invention that when the customer registers his/her request for a connection by video with a banker, the last screen that the customer was looking at on the display 36 will be shown to the banker when the video call is connected. The present invention also provides for overload and disaster recovery. Kn or inputs his/her request into the computer with a keyboard 40 at the kiosk which is shown in FIG. 2. The customer “kiosk” as referred herein is an identifiable banking site bearing a bank brand that will typically include a self-service ATM interconnected to the bank central information processor 안전놀이터 or CPU 30 and will additionally have the management and conferencing capabilities described herein.

The customer may register his/her request for a connection by video with the banker by a variety of means, including the pressing of an area or “button” on a touch screen, pressing a key on a keyboard connected to the computer in the kiosk, by voice, and other means known in the art. It is preferable that the banker has one computer to collaboratively interact with the customer at the corresponding customer kiosk, as well as be able to obtain information from the bank’s central information processor 30 to get information about customer accounts, interest rates, and other financial services, products and information. In a public kiosk, these items are preferably concealed within the housing 32 and are inaccessible to the customer. The personal banker customer management system 10 includes a number of video bankers’ stations VB1, . The human interaction between the banker and the customer becomes more important as the types of financial services increase, both in number and complexity. An increasing number of people are demanding more convenience to access various types of financial services. It basically helps you find websites that link to one or more of your competitors but don’t link to you. Instead, they shop around to find a loan suitable for the individual they are working with.

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