Method and apparatus for providing financial transaction data via the internet
First Claim
1. A system for warehousing financial transaction data for a plurality of financial transactions, the system comprising:
- means for receiving the financial transaction data for the plurality of financial transactions;
means for determining a unique identifier for each element of financial transaction data; and
means for storing each element of financial transaction data with its respective unique identifier.
17 Assignments
0 Petitions
Accused Products
Abstract
In an on-line financial data system, financial transaction data is provided to a user electronically via a connection such as the Internet. The system stores representations of the financial data for retrieval by an account holder. In order to retrieve or receive the financial information via the Internet, a user must first consent to receiving the financial data in this manner. Consents are stored in the financial data system. When financial data is received by the system, a comparison is made with the pre-stored consents to determine if the data can be provided via the Internet. If so, then a corresponding paper-based version of the data is suppressed, that is, not sent to the account holder. Instead, a message having a pointer, e.g., a URL address, is provided to the account holder in order to allow the account holder access, via the world wide web on the Internet, to the financial data stored in the on-line financial data system.
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Citations
118 Claims
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1. A system for warehousing financial transaction data for a plurality of financial transactions, the system comprising:
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means for receiving the financial transaction data for the plurality of financial transactions;
means for determining a unique identifier for each element of financial transaction data; and
means for storing each element of financial transaction data with its respective unique identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of warehousing financial transaction data for a plurality of financial transactions, the method comprising:
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receiving the financial transaction data for the plurality of financial transactions;
determining a unique identifier for each financial transaction; and
storing each financial transaction with its respective unique identifier. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A method of making financial transaction information available electronically, the method comprising:
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(a) receiving financial transaction data for a plurality of distinct financial transactions;
(b) determining a unique identifier for each distinct financial transaction and a client associated with each distinct financial transaction;
(c) determining, as a function of each unique identifier, whether the associated client has consented to receiving the respective financial data electronically; and
(d) if it is determined that the associated client has consented to receiving the respective financial data electronically, making the respective financial transaction data available to the associated client electronically. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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34. A system for making financial transaction information available electronically, the system comprising:
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(a) means for receiving financial transaction data for a plurality of distinct financial transactions;
(b) first means for determining a unique identifier for each distinct financial transaction and a client associated with each distinct financial transaction;
(c) second means for determining, as a function of each unique identifier, whether the associated client has consented to receiving the respective financial data electronically; and
(d) means for making the respective financial transaction data available to the associated client electronically if it is determined that the associated client has consented to receiving the respective financial data. - View Dependent Claims (35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50)
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51. A computer program product comprising:
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a computer-readable medium;
computer program instructions, wherein the computer program instructions, when executed by a computer, direct the computer to perform a method of warehousing financial transaction data for a plurality of financial transactions, the method comprising;
receiving the financial transaction data for the plurality of financial transactions;
determining a unique identifier for each financial transaction; and
storing each financial transaction with its respective unique identifier. - View Dependent Claims (52, 53, 54, 55, 56, 57, 58)
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59. A computer program product comprising:
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a computer-readable medium;
computer program instructions, wherein the computer program instructions, when executed by a computer, direct the computer to perform a method of making financial transaction information available via a communications channel, the method comprising;
(a) receiving financial transaction data for a plurality of distinct financial transactions;
(b) determining a unique identifier for each distinct financial transaction and a client associated with each distinct financial transaction;
(c) determining, as a function of each unique identifier, whether the associated client has consented to receiving the respective financial data via the communications channel; and
(d) if it is determined that the associated client has consented to receiving the respective financial data, making the respective financial transaction data available to the associated client via the communications channel. - View Dependent Claims (60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74)
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75. A system for warehousing financial transaction data for a plurality of financial transactions, the system comprising:
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a financial transaction data processor to receive the financial transaction data for the plurality of financial transactions;
an identifier processor, coupled to the financial transaction data processor, to determine a unique identifier for each financial transaction received by the financial transaction data processor; and
a storage device, coupled to the financial transaction data processor and the identifier processor, to store each financial transaction with its respective unique identifier. - View Dependent Claims (76, 77, 78, 79, 80, 81, 82)
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83. A system for making financial transaction information available via the Internet, the system comprising:
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(a) a financial transaction data processor to receive financial transaction data for a plurality of distinct financial transactions;
(b) an identifier processor, coupled to the financial transaction data processor, to determine a unique identifier for each distinct financial transaction and a client associated with each distinct financial transaction;
(c) a consent processor, coupled to the identifier processor, to determine, as a function of each unique identifier, whether the associated client has consented to receiving the respective financial data electronically; and
(d) a processor, coupled to the consent processor, to make the respective financial transaction data available to the associated client electronically if it is determined that the associated client has consented to receiving the respective financial data. - View Dependent Claims (84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96, 97, 98, 99)
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100. A method of providing financial transaction data electronically to a user, the method comprising:
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obtaining consent from the user to provide the data electronically; and
providing the financial transaction data electronically to the user. - View Dependent Claims (101, 102, 103, 104, 105, 106)
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107. A method of obtaining and storing consent, from a user, to receive financial transaction data electronically, the method comprising:
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under control of a client system;
sending a consent message with respect to the financial transaction data;
under control of a first server system;
receiving the consent message from the client system;
correlating the consent message to account information of the user and generating consented account information data;
sending the consented account information data;
under control of a second server system;
receiving the consented account information data from the first server;
determining a unique user identifier from the consented account information; and
storing the consented account information as a function of the unique user identifier. - View Dependent Claims (108)
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109. A method of providing financial transaction data electronically, the method comprising:
under control of a first server system;
(A) receiving a request to retrieve financial transaction data from a client system;
(B) validating the request; and
(C) when the request is determined to be valid, providing the financial transaction data to the client system. - View Dependent Claims (110, 111, 112, 113)
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114. A method of sending financial transaction data electronically to a user, the method comprising:
under control of a first server system;
(A) receiving financial transaction data;
(B) identifying a user associated with the received financial transaction data;
(B1) storing the received financial transaction data as a function of the identified user;
(C) determining if the identified user has consented to receiving the financial transaction data electronically;
(D) when it has been determined that the user has consented, sending the received financial transaction data electronically to the user. - View Dependent Claims (115, 116, 117, 118)
Specification