System for managing and reporting financial account activity

• US 20040230448A1
• Filed: 02/13/2004
• Published: 11/18/2004
• Est. Priority Date: 02/14/2003
• Status: Abandoned Application

• Current Assignee: Deluxe Corp.
• Original Assignee: Deluxe Corp.
• Inventors: Schaich, William
• Application Number:
  US10/778,674
• Publication Number:
  US 20040230448A1
• Time in Patent Office: Days
• US Class Current: 705/1
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A system for managing reporting financial account activity to detect unauthorized access and prevent fraudulent transactions. The system processes checking and credit activities for a plurality of subscribers and provides notifications to subscribers based on the predetermined conditions and preferred communication options established by the subscribers.

Claims

1. An apparatus, comprising:

messaging means to receive paper check order information;

storage means to store notification preferences;

notification means to send notifications based on the notification preferences and the paper check order information; and

communication means to communicate the notifications.

2. The apparatus of claim 1, wherein the communication means comprises e-mail facilities.

3. The apparatus of claim 1, wherein the communication means comprises the telephone.

4. The apparatus of claim 1, wherein the communication means comprises wireless communication means.

5. The apparatus of claim 4, wherein the wireless communication means comprises cellular.

6. The apparatus of claim 1, wherein the communication means comprises the INTERNET.

7. The apparatus of claim 1, wherein the communication means comprises delivered mail.

8. The apparatus of claim 1, wherein the notification preferences comprise notification of new check orders.

9. The apparatus of claim 1, wherein the notification preferences comprise notification of check orders.

10. The apparatus of claim 8, wherein the notification preferences comprise notification of check orders of a quantity of checks exceeding a predetermined amount.

11. The apparatus of claim 1, further comprising means for receiving checking account information.

12. The apparatus of claim 1, further comprising means for receiving credit account information.

13. The apparatus of claim 1, further comprising means for receiving information from a credit bureau.

14. The apparatus of claim 13, wherein the credit bureau comprises EQUIFAX.

15. The apparatus of claim 13, wherein the credit bureau comprises EXPERIAN.

16. The apparatus of claim 13, wherein the credit bureau comprises TRANSUNION.

17. The apparatus of claim 1, further comprising confirmation means to confirm receipt of the notifications.

18. The apparatus of claim 1, further comprising paper check order confirmation means to confirm receipt of a paper check order.

19. An apparatus comprising:

messaging means to receive checking account information;

storage means to store notification preferences;

notification means to send notifications based on the notification preferences and checking account activity; and

communication means to communicate the notifications.

20. The apparatus claim of 19, wherein the communication means comprises e-mail facilities.

21. The apparatus of claim 19, wherein the wireless communication means.

22. The apparatus of claim 21, wherein the communication means comprises cellular communications.

23. The apparatus of claim 19, wherein the communication means comprises delivered mail.

24. The apparatus of claim 19, wherein the notification preferences comprise notification of insufficient funds.

25. The apparatus of claim 19, further comprising means for receiving information from one or more credit bureaus.

26. The apparatus of claim 25, wherein the one or more credit bureaus is EQUIFAX.

27. The apparatus of claim 25, wherein the one or more credit bureaus is EXPERIAN.

28. The apparatus of claim 25, wherein the one or more credit bureaus is TRANSUNION.

29. The apparatus of claim 19, further comprising means for receiving check order information.

30. The apparatus of claim 19, further comprising confirmation means to confirm receipt of the notifications.

31. The apparatus of claim 19, further comprising paper check order confirmation means to confirm receipt of a paper check order.

32. A method for processing checking and credit activities for a plurality of subscribers, comprising:

receiving paper check order information;

receiving checking account information;

receiving credit account information; and

providing notifications based on predetermined conditions and preferred communications options of the plurality of subscribers using at least one of the check order information, checking account information, and credit account information.

33. The method of claim 32, comprising:

programming predetermined conditions to generate notifications for the plurality of subscribers;

programming preferred communications options for the plurality of sunscribers; and

allowing subscribers to select notification from a subset of conditions.

34. The method of claim 32, further comprising means for receiving information from one or more credit bureaus.

35. The method of claim 34, wherein the one or more credit bureaus comprises EQUIFAX.

36. The method of claim 34, wherein the one or more credit bureaus comprises EXPERIAN.

37. The method of claim 34, wherein the one or more credit bureaus comprises TRANSUNION.

38. The method of claim 32, comprising requesting confirmation of the notifications.

39. The method of claim 32, comprising requesting confirmation of a paper check order.

40. The method of claim 39, comprising if a confirmation is not received, a notification is sent to a subscriber.

41. The method of claim 39, further comprising requesting authentication of a subscriber.

42. The method of claim 40, comprising if a confirmation is not received, a notification is sent to check printer.

43. The method of claim 40, comprising if a confirmation is not received, a notification is sent to a financial institution.

44. the method of claim 40, comprising if a confirmation is not received, an investigation is begun.