System and Method for Accessing the Maximum Available Funds in an Electronic Financial Transaction
First Claim
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1. A method for providing maximum available funds to at least one user, the method comprising the steps of:
- a) having the user access a financial transaction system able to recognize the user and conduct financial transactions therewith;
b) having the user request from said transaction system the amount of the maximum available funds available to the user;
c) determining said maximum available funds; and
d) providing said maximum available funds to the user.
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Abstract
A “MAX”, or other appropriate descriptive, selection is added to the set of selections available to users of electronic financial transactions. This selection determines the maximum amount which can be accessed by a user, subject to hardware, software, account and other restrictions.
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Citations
38 Claims
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1. A method for providing maximum available funds to at least one user, the method comprising the steps of:
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a) having the user access a financial transaction system able to recognize the user and conduct financial transactions therewith; b) having the user request from said transaction system the amount of the maximum available funds available to the user; c) determining said maximum available funds; and d) providing said maximum available funds to the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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- 15. A system for providing maximum available funds to a user upon a user'"'"'s request therefor, comprising a financial transaction system capable of determining the maximum available funds that are available to the user and that can be provided thereto, said transaction system comprising a terminal and a communicating device for allowing said terminal to communicate with a financial institution, fund-providing means being provided for providing said maximum available funds to the user.
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25. A computer implemented method for providing maximum available funds to at least one user, the method to be implemented over at least one communication network by a financial transaction system adapted for communicating over the network, said transaction system comprising at least one financial institution and at least one terminal, the method comprising the steps of:
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a) initiating at the terminal a request for the maximum available funds; b) establishing a communication link over the network between the terminal and the financial institution; c) determining said maximum available funds; and d) providing said maximum available funds to the user. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38)
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Specification