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Systems and methods for opening, funding, and managing financial accounts

  • US 20070061254A1
  • Filed: 09/15/2006
  • Published: 03/15/2007
  • Est. Priority Date: 09/15/2005
  • Status: Abandoned Application
First Claim
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1. A method for opening a financial account, the method comprising:

  • electronically receiving application information for a first account from a customer;

    verifying the identity of the customer;

    establishing the first account when the identity of the customer has been verified;

    automatically depositing one or more microdeposits into a preexisting second account of the customer, wherein the microdeposits have a monetary value;

    providing secure access to the customer at the first account after receiving and verifying personally-identifying information from the customer;

    electronically receiving an input associated with the monetary value of the one or more microdeposits from the customer at the first account after providing secure access to the customer at the first account; and

    automatically confirming the monetary value of the one or more microdeposits and, after confirmation, electronically funding the first account using a funds transfer from the second account.

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