Computer-Facilitated Account-Transaction System and Method with Multi-Entity Control Logic
First Claim
1. A computer-facilitated system for use with a first set of accounts held at a financial institution and a second set of accounts held at an educational institution, the first and second sets of accounts being associated with a set of users common between the first and second sets of accounts and with a set of user articles containing user identification information for the set of users, the system including:
- an account setup interface that receives user data to establish a first account in the first set of accounts and a second account in the second set of accounts;
control logic that stores account information in respective databases for the first and second accounts and that stores access rules for the first and second accounts in a database, wherein the account information includes an association between the first and second accounts; and
an account access interface that provides access to the account information to the set of users in response to at least one of a user article from the set of user articles and an access code.
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Accused Products
Abstract
Systems and methods for use with accounts held at financial institutions and educational institutions are implemented according to a variety of embodiments. According to one such embodiment, a computer-facilitated system is implemented for use with a first set of accounts held at a financial institution and a second set of accounts held at an educational institution. The accounts are associated with a common set of users and a set of user articles containing user identification information for the set of users. An account setup interface receives user data to establish a first account in the first set of accounts and a second account in the second set of accounts. Control logic stores account information and access rules in respective databases. The account information includes an association between the first and second accounts. An account access interface provides access to the accounts in response to user articles or access codes.
20 Citations
20 Claims
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1. A computer-facilitated system for use with a first set of accounts held at a financial institution and a second set of accounts held at an educational institution, the first and second sets of accounts being associated with a set of users common between the first and second sets of accounts and with a set of user articles containing user identification information for the set of users, the system including:
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an account setup interface that receives user data to establish a first account in the first set of accounts and a second account in the second set of accounts; control logic that stores account information in respective databases for the first and second accounts and that stores access rules for the first and second accounts in a database, wherein the account information includes an association between the first and second accounts; and an account access interface that provides access to the account information to the set of users in response to at least one of a user article from the set of user articles and an access code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer-facilitated method for use with a first set of accounts held at a financial institution and a second set of accounts held at an educational institution, the first and second sets of accounts being associated with a set of users common between the first and second sets of accounts and with a set of user articles containing user identification information for the set of users, the method including:
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establishing a first account in the first set of accounts and a second account in the second set of accounts in response to a request to create a new account; storing account information in respective databases for the first and second accounts and access rules for the first and second accounts in a database, wherein the account information includes an association between the first and second accounts; and providing access to the account information to the set of users in response to at least one of a user article from the set of user articles and an access code. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A computer-facilitated system for use with a first set of accounts held at a financial institution and a second set of accounts held at an educational institution, the first and second sets of accounts being associated with a set of users common between the first and second sets of accounts and with a set of user articles containing user identification information for the set of users, the system including:
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means for establishing a first account in the first set of accounts and a second account in the second set of accounts in response to a request to create a new account; means for storing account information in respective databases for the first and second accounts and access rules for the first and second accounts in a database, wherein the account information includes an association between the first and second accounts; and means for providing access to the account information to the set of users in response to at least one of a user article from the set of user articles and an access code.
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Specification