Financial information access system
First Claim
1. A method for providing recent financial transaction data to a plurality of users of a web site comprising:
- collecting at a computer financial transaction data for said plurality of users;
transmitting at least daily said financial transaction data for said plurality of users from said computer to a database accessible from a server at said web site;
prompting one of said plurality of users of said web site for an account number;
requesting from said database financial transaction data for said account number; and
presenting said financial transaction data for said account number to said one of said plurality of users of said web site.
2 Assignments
0 Petitions
Accused Products
Abstract
A system is disclosed in which a user of an information service may access financial data relating to recent credit and debit card transactions. Any entity with a TCP/IP connection to the Internet may access the system so that world-wide accessibility to the financial services is possible. Alternatively, the system may be accessed through an online information service. The financial data are processed daily by a financial services provider, then transmitted to a host computer connected to an information service. The user connects to the information service host computer to access the financial data for transactions that may have been posted as recently as the previous day. The user may also download the financial data directly to an accounting or word-processing program for further processing.
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Citations
46 Claims
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1. A method for providing recent financial transaction data to a plurality of users of a web site comprising:
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collecting at a computer financial transaction data for said plurality of users;
transmitting at least daily said financial transaction data for said plurality of users from said computer to a database accessible from a server at said web site;
prompting one of said plurality of users of said web site for an account number;
requesting from said database financial transaction data for said account number; and
presenting said financial transaction data for said account number to said one of said plurality of users of said web site. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for providing recent financial transaction data to a plurality of users of a web site comprising:
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a computer for collecting financial transaction data for said plurality of users;
a server at said web site for receiving said financial transaction data from said computer at least daily;
a database for storing said financial transaction data received at least daily;
an account number from one of said plurality of users of said web site;
financial transaction data for said account number from said database wherein said financial transaction data for said account number is presented to said one of said plurality of users of said web site. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method for providing through a web site finanical transaction data to a card user comprising:
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collecting financial transaction data for a plurality of card users at a computer;
transmitting at least daily said financial transaction data for said card user from said computer to a database accessible from a server at said web site;
determining an account number for said card user when said card users accesses said web site; and
transmitting said financial transaction data for said card user to said card user'"'"'s computer. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22)
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23. A system for providing recent financial transaction data to a card user comprising:
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a computer for collecting financial transaction data for said card user;
a server at a web site for receiving at least daily said financial transaction data from said financial service provider computer;
a database for storing said financial transaction data received at least daily;
an account number for said card user of said web site;
financial transaction data from said database for said account number wherein said financial transaction data for said account number is presented to said card user. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30)
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31. A method for providing recent financial transaction data to a user of a web site comprising:
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collecting at a computer financial transaction data for said user;
transmitting from said computer to a database accessible from a server at said web site said financial transaction data for said user wherein said financial transaction data relates to transactions posted the previous day;
confirming the identity of said user when said user accesses said web site;
determining an account number for said user for said first financial institution;
requesting from said server at said web site financial transaction data for said account;
transmitting said financial transaction data for said account number to said user'"'"'s computer. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38)
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39. A system for providing recent financial transaction data from a plurality of financial institutions to a user of a web site comprising:
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financial transaction data for said user for a first financial transaction;
financial transaction data for said user for a second financial transaction;
a computer for collecting said financial transaction data for said first financial transaction and said financial transaction data for said second financial transaction;
a database accessible from a server at said web site for receiving from said computer within 24 hours of posting said financial transaction data for said first financial transaction and said financial transaction data for said second financial transaction;
a process for verifying the identity of said user when said user accesses said web site;
an account number for said user for accessing said user'"'"'s financial transaction data; and
a request for obtaining from said server at said web site and transmitting to said user'"'"'s computer financial transaction data for said account. - View Dependent Claims (40, 41, 42, 43, 44, 45, 46)
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Specification