US 8862508

US Patent 8862508, titled "System and method for unifying e-banking touch points and providing personalized financial services," provides a multi-channel solution for retail banking.

Here is a summary of the patent:

• Patent Number: US8862508B2
• Title: System and method for unifying e-banking touch points and providing personalized financial services
• Current Assignee: CITY NATIONAL BANK OF FLORIDA. Prior assignments include Mcom Ip LLC, MCOM IP HOLDINGS, LLC, and MCOM FINANCIAL SOLUTIONS, INC. The lien to CITY NATIONAL BANK OF FLORIDA has an effective date of 2025-03-28.
• Inventors: Thomas Maiorino, Daniel Taylor
• Filing Date: 2006-11-14
• Issue Date: 2014-10-14
• Abstract: 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.

Plain-Language Overview of Independent Claims:

• Claim 1 (Method): This claim describes a method for creating a unified electronic banking environment. It involves a multi-channel server connecting various e-banking touch points (such as ATMs, self-service coin counters, kiosks, online banking websites, or mobile devices) and at least one computer system with a control console. These touch points and computer systems are in different locations. The method includes receiving user input from a touch point, retrieving previously stored personalized data (including financial institution data and user preferences) that is accessible across all touch points, and delivering this personalized data back to the originating touch point. It also involves storing transactional usage data that is accessible by all touch points and the computer system. Crucially, the system monitors an active user session in real-time to select targeted marketing content based on the user's predefined preferences. This targeted content is then transmitted in real-time to the user's touch point, and the user's response (acceptance, rejection, or no response) determines if additional related information is sent during that active session.
• Claim 7 (Method): Similar to claim 1, this method also focuses on constructing a unified electronic banking environment using a common multi-channel server linked to various e-banking touch points (including ATMs, SSCCs, kiosks, digital signage, online banking, PDAs, PCs, laptops, or wireless devices) and one or more computer systems. These touch points communicate with financial institutions via the server. The steps involve receiving user input, retrieving and delivering previously stored personalized data (financial and user-defined preferences) to the touch point, and storing transactional usage data accessible by all touch points and computer systems. The core innovation here is also the real-time monitoring of an active session to select and transmit targeted marketing content based on user preferences. The user's response to this content in real-time dictates whether further related information is transmitted during that session. This claim differs slightly from Claim 1 in its wording regarding "more than one plurality of e-banking touch points" vs. "one or more e-banking touch points" and "at least one computer system configured with at least one control console" vs. "one or more computer systems."
• Claim 13 (System): This claim describes a physical system for a unified electronic banking environment. It includes a common multi-channel server connected to one or more independent computer systems, with each computer system linked to a separate financial institution. The system also comprises various e-banking touch points (e.g., ATM, SSCC, kiosk, digital signage, online banking, PDA, PC, laptop, wireless device) that are coupled to the multi-channel server and communicate with financial institutions. A data storage device is included to store transactional usage data from user interactions at any touch point, making it accessible to other touch points. Similar to the method claims, the system's server monitors an active session in real-time to select targeted marketing content correlated to user-defined preferences. This content is then transmitted in real-time to at least one touch point for user interaction, and the user's response during that active session determines if additional marketing-related information is transmitted.

CAFC 2026 Dockets:

US Patent 8862508 is currently involved in litigation, with several cases filed in the Court of Appeals for the Federal Circuit (CAFC). Specifically, cases 24-1828 and 24-2089 are noted as active litigation in the CAFC, which falls within the 2026 docket timeframe. There is also a case 26-1284, which would be a 2026 case, filed in the Court of Appeals for the Federal Circuit. These indicate ongoing appeals related to the patent. Further details on the specific nature or status of these appeals (e.g., oral arguments, decisions) would require direct access to the CAFC dockets.