Multi-Channel Server for Unified E-Banking Touch Points
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Solution Overview
Problem
Conventional electronic banking systems lack the ability to provide a unified and personalized experience for customers while being difficult for financial institutions to manage and control, limiting their ability to offer consistent and high-quality services across various touch points without significant upgrading costs.
Innovation Solution
A client-server platform that integrates multiple e-banking touch points into a common multi-channel server environment, allowing for centralized data management, personalized customer experiences, and robust advertisement distribution, enabling financial institutions to manage and control their systems from a single point.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If conventional e-banking touch points operate as stand-alone systems, then system simplicity and low upgrading costs are maintained, but the ability to provide unified control and personalized services is limited
Solution Approach 1:
The patent introduces a multi-channel server as an intermediary component that sits between the existing stand-alone e-banking touch points and the central system. This server acts as a mediator that collects data from multiple touch points, processes it centrally, and distributes personalized content back to the appropriate touch points, thereby enabling unified control without requiring complex integration of the underlying touch point systems.
Solution Approach 2:
The system is segmented into independent functional modules: the existing stand-alone touch points remain unchanged, while a new multi-channel server layer is added. This segmentation allows the system to gain centralized control capabilities through the new server component without forcing complex integration changes onto the existing touch point infrastructure.
2Ease of operation
If multiple e-banking touch points are integrated into a common control system, then unified management and personalized customer experiences are achieved, but system complexity and upgrading costs increase
Solution Approach 1:
The multi-channel server is designed as a universal platform that can manage multiple types of e-banking touch points (ATMs, kiosks, online banking interfaces, mobile banking apps) through a single system. This multi-functional server handles data collection, processing, content generation, and distribution across diverse touch point channels, providing centralized control without requiring separate integration solutions for each touch point type.
3Reliability
If stand-alone e-banking systems are used, then upgrading costs are minimized, but the ability to deliver consistent high-quality services across touch points is reduced
Solution Approach 1:
The multi-channel server performs preliminary actions by pre-processing customer data, generating personalized content templates, and preparing service configurations before they are needed at the touch points. This advance preparation ensures that when customers interact with any touch point, they receive consistent and high-quality personalized services without requiring real-time complex processing at each individual touch point.
Data Source
AI summary
A system and method for delivering a retail banking multi-channel solution that unifies interactive electronic banking touch points to provide personalized financial services to customers and a common point of control for financial institutions is provided.