Modular financial service instrument
First Claim
Patent Images
1. A system for providing a modular financial service instrument associated with a customer account, comprising:
- a database for storing a customer account profile uniquely associated with the customer account;
a profile generator for creating the customer account profile by activating features selected from a set of features associated with the modular financial service instrument; and
a profile modifier for dynamically modifying the customer account profile by updating the selected features.
1 Assignment
0 Petitions
Accused Products
Abstract
A modular financial service instrument is disclosed herein. The modular financial service instrument allows both the customer and the issuing financial institution to modify the set of features associated with the instrument without requiring the issuing of a new instrument. The modular nature of the instrument allows for a rationalised operational structure that eliminates the necessity for storing each combination of features as a separate product. The modular nature of the instrument allows a customer to select features to create a customisable financial service instrument that suites the customer needs.
74 Citations
28 Claims
-
1. A system for providing a modular financial service instrument associated with a customer account, comprising:
-
a database for storing a customer account profile uniquely associated with the customer account;
a profile generator for creating the customer account profile by activating features selected from a set of features associated with the modular financial service instrument; and
a profile modifier for dynamically modifying the customer account profile by updating the selected features. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
-
-
20. A modular financial service instrument, comprising:
-
a customer account; and
a customer account profile uniquely associated with the customer account, the customer account profile including features selected from a set of features associated with the financial service instrument, the selection of features being dynamically modifiable after creation of the profile. - View Dependent Claims (21, 22, 23, 24)
-
-
25. A method for providing a modular financial service instrument, comprising:
-
uniquely associating a customer account profile with a customer account, the customer account profile including features selected from a set of features associated with the modular financial service instrument; and
modifying the customer account profile by dynamically changing the selected features. - View Dependent Claims (26, 27, 28)
-
Specification