Method and apparatus for managing a financial transaction system
First Claim
Patent Images
1. A method comprising:
- identifying an account holder;
identifying a plurality of financial accounts associated with the account holder, wherein the plurality of financial accounts are associated with at least two different financial institutions;
authenticating each of the plurality of financial accounts associated with the account holder;
aggregating financial data associated with the plurality of financial accounts; and
displaying the aggregated financial data.
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Abstract
A management system identifies an account holder and identifies multiple financial accounts associated with the account holder. The multiple financial accounts are associated with at least two different financial institutions. The multiple financial accounts are then authenticated. The management system aggregates financial transaction data associated with the multiple financial accounts and displays the aggregated financial transaction data.
287 Citations
49 Claims
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1. A method comprising:
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identifying an account holder;
identifying a plurality of financial accounts associated with the account holder, wherein the plurality of financial accounts are associated with at least two different financial institutions;
authenticating each of the plurality of financial accounts associated with the account holder;
aggregating financial data associated with the plurality of financial accounts; and
displaying the aggregated financial data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 47, 49)
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22. A method comprising:
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identifying an account holder;
identifying a plurality of financial accounts associated with the account holder, wherein the plurality of financial accounts are associated with at least two different financial institutions;
verifying the identity of the account holder;
aggregating financial data associated with the (plurality of financial accounts; and
displaying the aggregated financial data. - View Dependent Claims (23, 24, 25, 26)
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27. A computer-implemented method of aggregating financial data, the method comprising:
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identifying a first account holder;
identifying a second account holder;
identifying financial transaction data associated with the first account holder;
identifying financial transaction data associated with the second account holder; and
aggregating the financial transaction data associated with the first account holder and the second account holder. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35)
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36. A method comprising:
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a first entity creating a financial account;
validating the financial account;
associating a service level with the account based on results of validating the financial account;
assigning financial risk for the financial account with the first entity; and
reassigning financial risk for the financial account to a second entity if the second entity changes the service level associated with the financial account such that the changed service level is not within restrictions imposed by the first entity. - View Dependent Claims (37, 38, 39, 40)
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41. An apparatus comprising:
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means for identifying an account holder;
means for identifying a plurality of financial accounts associated with the account holder, wherein the plurality of financial accounts are associated with a plurality of different financial institutions;
means for authenticating each of the plurality of financial accounts associated with the account holder;
means for aggregating transaction data associated with the plurality of financial accounts, wherein the aggregated transaction data includes funds transfers between identified financial accounts associated with different financial institutions; and
means for displaying the aggregated transaction data. - View Dependent Claims (42, 43)
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44. An apparatus comprising:
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a storage device to store account information and financial transaction data;
a search module coupled to the storage device and configured to identify an account holder and multiple financial accounts associated with the account holder and associated with multiple financial institutions; and
a display module coupled to the search module and configured to generate data representing an image that includes financial transaction data associated with at least one account holder and a status of multiple financial accounts associated with the identified one account holder. - View Dependent Claims (45, 46)
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48. One or more computer-readable media having stored thereon a computer program that, when executed by one or more processors, causes the one or more processors to:
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identify an account holder;
identify accounts associated with the account holder;
identify financial transactions associated with the identified accounts;
authenticate the identified accounts;
verify the identity of the account holder;
identify risk profile data associated with the account holder; and
display the financial transactions and the risk profile data if the account holder is verified.
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Specification