SYSTEMS AND METHODS FOR OPENING, FUNDING, AND/OR USING A FINANCIAL ACCOUNT, SUCH AS A CHECKING ACCOUNT
First Claim
1. A computer-implemented method for providing a financial account to a user, the method comprising:
- receiving a request from the user to open a financial account from which the user can withdraw funds;
in response to receiving the request from the user, providing a plurality of unused checks to the user;
receiving a first check from the plurality of checks, wherein the first check has been used in commerce by the user, and wherein the first check includes a first signature of the user;
storing an image of the first signature from the first check;
receiving a second check from the plurality of checks, wherein the second check has been used in commerce by the user, and wherein the second check includes a second signature of the user; and
comparing the second signature on the second check to the image of the first signature to authenticate the second signature.
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0 Petitions
Accused Products
Abstract
Systems and methods for opening, funding, and/or using a financial account are disclosed herein. In one embodiment, a computer-implemented method for providing a financial account includes receiving a request from a user to open a financial account. In response to receiving the request, the method further includes providing a plurality of unused checks to the user. The method additionally includes receiving a first check which has been used in commerce and includes a first signature of the user, and storing an image of the first signature from the first check. The method further includes receiving a second check which has been used in commerce and includes a second signature of the user, and comparing the second signature on the second check to the image of the first signature to authenticate the second signature.
55 Citations
20 Claims
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1. A computer-implemented method for providing a financial account to a user, the method comprising:
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receiving a request from the user to open a financial account from which the user can withdraw funds;
in response to receiving the request from the user, providing a plurality of unused checks to the user;
receiving a first check from the plurality of checks, wherein the first check has been used in commerce by the user, and wherein the first check includes a first signature of the user;
storing an image of the first signature from the first check;
receiving a second check from the plurality of checks, wherein the second check has been used in commerce by the user, and wherein the second check includes a second signature of the user; and
comparing the second signature on the second check to the image of the first signature to authenticate the second signature. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for obtaining an exemplar of a signature for use in association with a financial account, the method comprising:
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providing a series of computer-implemented display pages to a remote computer;
receiving, via the display pages, a request from a user to open a financial account;
at least partially in response to receiving the request from the user, opening a financial account for the user;
receiving a written request for funds to be drawn from the financial account, wherein the written request includes a signature of the user;
providing the funds in response to receiving the written request; and
storing an image of the signature from the written request as a signature exemplar for subsequent use in authenticating the signature of the user. - View Dependent Claims (13, 14, 15, 16)
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17. A system for opening a checking account, the system comprising:
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means for receiving a request from a user to open a checking account;
means for opening a checking account for the user in response to receiving the request;
means for receiving a first check that includes a first signature of the user and specifies a first amount of funds;
means for transferring the amount funds out of the checking account in response to receiving the first check;
means for storing an image of the first signature of the user from the first check;
means for receiving a second check that includes a second signature of the user and specifies a second amount of funds; and
means for comparing the second signature on the second check to the image of the first signature to authenticate the second signature. - View Dependent Claims (18, 19, 20)
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Specification