Technique for account authentication
First Claim
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1. A method for authenticating an association between a deposit account and an account holder, comprising:
- receiving first information identifying a first deposit account and an account holder;
accessing second information associated with a plurality of deposit accounts, each one of the plurality of deposit account maintained at one of a plurality of financial institutions; and
processing the received first information and the accessed second information to authenticate an association between the first deposit account and the account holder.
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Abstract
A technique for confirming an association between a deposit account and an account holder is provided. The technique includes receiving information identifying the deposit account and identifying the account holder. Other information associated with multiple deposit accounts, each maintained at one of multiple financial institutions, is accessed. The received information and the accessed information are then processed to authenticate the association between the account holder and the deposit account.
84 Citations
22 Claims
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1. A method for authenticating an association between a deposit account and an account holder, comprising:
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receiving first information identifying a first deposit account and an account holder;
accessing second information associated with a plurality of deposit accounts, each one of the plurality of deposit account maintained at one of a plurality of financial institutions; and
processing the received first information and the accessed second information to authenticate an association between the first deposit account and the account holder. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for authenticating an association between a deposit account and an account holder, comprising:
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a communications interface configured to receive first information identifying a first deposit account and an account holder and access second information associated with a plurality of deposit accounts each maintained at one of a plurality of financial institutions; and
a processor configured to cause the communications interface to access the second information and process the received first information and the accessed second information to authenticate an association between the first deposit account and the account holder. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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Specification