Entcrsoft White Paper on NCR Top End, section entitled,
“The Industry on Top End”, Feb. 4, 1996.
Primary Examiner—£manuel Todd Voeltz
Assistant Examiner——1ohn V. Hayes
Attorney, Agent, or Firm—Ge0rge H. Gates
A customer (80) can request and receive a financial service through any of a number of channels (82,83,84,85,86,87), each connected to channel-specific hardware, respectively a digital telephone (92), an ATM (93), a branch oflice (94), a branch sales oflice (99), a self service sales terminal (95), a home banking PC (96) and an interactive television (97). Each service channel is connected through an integrated channel manager (100) to business operations means including a transaction processing host computer (112), a cheque processor (113), a relationship database manager (114), a financial call center (115), and an external financial database (111). Tire ICM 100 provides interfaces for each channel and each business operation means so far as the channel-specific and business operation-specific aspects are concerned, and also runs a number of business application services (142, 144, 146, 148), such as a balance inquiry service, which can interiace with any channel and any business operation means independently of any channel-specific or operationspecific requirements.
16 Claims, 3 Drawing Sheets
jq M M
ii H % m tr-r IE1
PHONE ATM BRANCH BRANCH SALES SALES PC INTERACTIVE
INTEGRATED CHANNEL MANAGER
E uI,__ El El
I112 (HOST TP) ins (ITEM PROCESSING) \ 115 (FINANCIAL CALL CENTER)
111 (EXTERNAL sounces) 114 (RELATIONSHIP MANAGEMENT)