Method and systems for providing online banking and account aggregation services
First Claim
1. A method for providing aggregated financial information to a user at a plurality of user access points, the method comprising:
- receiving from one of the plurality of user access points, a credential for authenticating the user;
authenticating the user to a plurality of financial accounts using the received credential, wherein at least two of the plurality of financial accounts are maintained by different financial institutions;
generating consolidated account information from account information associated with the plurality of financial accounts; and
providing the consolidated account information to the user at the plurality of user access points.
3 Assignments
0 Petitions
Accused Products
Abstract
Methods and apparatuses for providing aggregated financial services at a plurality of user access points, such as a cellular phone or a television, are provided. Each user access point is capable of communicating with an integrated communications network, through which the aggregated financial services are provided. The aggregated financial services are directed to enabling the user to centrally manage a variety of dispersed financial accounts, including the user'"'"'s bank accounts, brokerage accounts, credit card accounts, frequent flyer accounts, reward programs, and any other accounts that may impact the user'"'"'s financial position. Using the aggregated financial services, the user may perform a variety of transactions in and among one or more of the financial accounts without having to separately interacting with each of these accounts.
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Citations
76 Claims
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1. A method for providing aggregated financial information to a user at a plurality of user access points, the method comprising:
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receiving from one of the plurality of user access points, a credential for authenticating the user; authenticating the user to a plurality of financial accounts using the received credential, wherein at least two of the plurality of financial accounts are maintained by different financial institutions; generating consolidated account information from account information associated with the plurality of financial accounts; and providing the consolidated account information to the user at the plurality of user access points. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for providing a notification regarding a financial transaction to a preferred user access point, the method comprising:
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receiving the notification regarding a user'"'"'s financial transaction at a server; identifying the preferred user access point from a plurality of user access points associated with the user, wherein each of the plurality of user access points has a communication channel capable of receiving the notification; and transmitting the notification to the preferred user access point. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A system for providing aggregated financial information, the system comprising:
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a plurality of user access points implemented on a plurality of access devices; a server configured to; receive from one of the plurality of user access points, a credential for authenticating the user; authenticate the user to a plurality of financial accounts using the received credential, wherein at least two of the plurality of financial accounts are maintained by different financial institutions; generate consolidated account information from account information associated with the plurality of financial accounts; and provide the consolidated account information to the user at the plurality of user access points. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
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25. A system for providing a notification regarding a financial transaction to a preferred user access point, the system comprising:
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a plurality of user access points implemented on a plurality of access devices, wherein each of the plurality of user access points has a communication channel capable of receiving the notification; a server configured to; receive the notification regarding a user'"'"'s financial transaction; identify the preferred user access point from a plurality of user access points associated with the user; and transmit the notification to the preferred user access point. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32)
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33. A computer-readable medium including instructions for performing, when executed by a processor, a method for providing aggregated financial information to a user at a plurality of user access points, the method comprising:
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receiving from one of the plurality of user access points, a credential for authenticating the user; authenticating the user to a plurality of financial accounts using the received credential, wherein at least two of the plurality of financial accounts are maintained by different financial institutions; generating consolidated account information from account information associated with the plurality of financial accounts; and providing the consolidated account information to the user at the plurality of user access points. - View Dependent Claims (34, 35, 36, 37, 38, 39, 40)
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41. A computer-readable medium including instructions for performing, when executed by a processor, a method for providing a notification regarding a financial transaction to a preferred user access point, the method comprising:
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receiving the notification regarding a user'"'"'s financial transaction at a server; identifying the preferred user access point from a plurality of user access points associated with the user, wherein each of the plurality of user access points has a communication channel capable of receiving the notification; and transmitting the notification to the preferred user access point. - View Dependent Claims (42, 43, 44, 45, 46, 47, 48)
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49. A method for providing aggregated financial information to a user at a network terminal, comprising:
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receiving from a network terminal, a credential for authenticating the user, wherein the network terminal having an associated a television; authenticating the user to a plurality of financial accounts using the received credential, wherein at least two of the plurality of financial accounts are maintained by different financial institutions; generating consolidated account information from account information associated with the plurality of financial accounts; and providing the consolidated account information to the user at the network terminal, wherein the consolidated account information is displayed on the television. - View Dependent Claims (50, 51, 52, 53, 54, 55)
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56. A method for providing a notification regarding a financial transaction to a network terminal, the method comprising:
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receiving the notification regarding a user'"'"'s financial transaction at a server; identifying the network terminal associated with the user, wherein the network terminal has an associated a television and has a communication channel capable of receiving the notification; and transmitting the notification to the network terminal, wherein the notification is display at an interface of the television. - View Dependent Claims (57, 58, 59, 60, 61, 62)
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63. A system for providing aggregated financial information via a television network, the system comprising:
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a network terminal, wherein the network terminal has an associated television; a server configured to; receive from the network terminal, a credential for authenticating the user; authenticate the user to a plurality of financial accounts using the received credential, wherein at least two of the plurality of financial accounts are maintained by different financial institutions; generate consolidated account information from account information associated with the plurality of financial accounts; and provide the consolidated account information to the user at the network terminal, wherein the consolidated account information is display on an interface of the television. - View Dependent Claims (64, 65, 66, 67, 68, 69)
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70. A system for providing a notification regarding a financial transaction via a television network, the system comprising:
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a network terminal, wherein the network terminal has an associated television and has a communication channel capable of receiving the notification; a server configured to; receive the notification regarding a user'"'"'s financial transaction; identify the network terminal associated with the user; and transmit the notification to the network terminal, wherein the notification is displayed on an interface of the television. - View Dependent Claims (71, 72, 73, 74, 75, 76)
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Specification