Systems and Methods of Rules-Based Database Access For Account Authentication
First Claim
1. A method comprising:
- receiving identity information and routing and transit number or account number (RTN/DDA) information, wherein at least a portion of identity information identifies an account holder and at least a portion of the RTN/DDA information identifies a deposit account;
selecting at least one database of a plurality of databases to authenticate an association between the deposit account and the account holder, wherein the selection is based on at least one criterion;
accessing the at least one database of the plurality of databases; and
authenticating an association between the deposit account and the account holder using the received identity information and RTN/DDA information and the at least one database.
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Accused Products
Abstract
Systems and methods for authenticating a customer association with a particular deposit account used when conducting financial transactions on behalf of the customer. The system receives identity information and routing and transit number or account number (RTN/DDA) information, where at least a portion of identity information identifies an account holder and at least a portion of the RTN/DDA information identifies a deposit account. A selection of numerous databases used to authenticate an association between the deposit account and the account holder is made based on one or more criteria. A database is then accessed according to the selection; and an association between the deposit account and the account holder is authenticated using the received identity information and RTN/DDA information and the selected database.
47 Citations
28 Claims
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1. A method comprising:
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receiving identity information and routing and transit number or account number (RTN/DDA) information, wherein at least a portion of identity information identifies an account holder and at least a portion of the RTN/DDA information identifies a deposit account;
selecting at least one database of a plurality of databases to authenticate an association between the deposit account and the account holder, wherein the selection is based on at least one criterion;
accessing the at least one database of the plurality of databases; and
authenticating an association between the deposit account and the account holder using the received identity information and RTN/DDA information and the at least one database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system comprising:
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at least one communication interface, wherein the at least one communication interface receives at least one of identity information and routing and transit number or account number (RTN/DDA) information, wherein at least a portion of identity information identifies an account holder and at least a portion of the RTN/DDA information identifies a deposit account; and
a processor, in communication with the at least one communication interface, wherein the processor contains programmed logic to execute software instructions for;
receiving the at least one identity information and RTN/DDA information from the communication interface, selecting at least one database of a plurality of databases to authenticate an association between the deposit account and the account holder, wherein the selection is based on at least one criterion;
accessing the at least one database of the plurality of databases; and
authenticating an association between the deposit account and the account holder using the received identity information and RTN/DDA information and the at least one database. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
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28. A system comprising:
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means for receiving identity information and routing and transit number or account number (RTN/DDA) information, wherein at least a portion of identity information identifies an account holder and at least a portion of the RTN/DDA information identifies a deposit account;
means for selecting at least one database of a plurality of databases to authenticate an association between the deposit account and the account holder, wherein the selection is based on at least one criterion;
means for accessing the at least one database of the plurality of databases; and
means for authenticating an association between the deposit account and the account holder using the received identity information and RTN/DDA information and the at least one database.
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Specification