Aggregating a user's transactions across a plurality of service institutions
First Claim
Patent Images
1. A method of collecting, reconciling and storing a single user'"'"'s transactions across a plurality of service institutions without requiring the user to independently access each of the plurality of service institutions, comprising:
- registering an electronic transaction device with a transaction service provider;
registering a plurality of accounts corresponding to a plurality of service institutions with the transaction service provider;
receiving from the electronic transaction device at the transaction service provider transaction data for at least one of a plurality of transactions conducted via the transaction device through the plurality of service institution accounts held by a user at a plurality of service institutions;
maintaining with the transaction service provider a client database that includes user confidential information, the received transaction data, and service institution account information for a plurality of users;
coupling a plurality of service institutions to the transaction service provider server over a network, the plurality of service institutions corresponding to at least the one of the plurality of service institution accounts held by a user, wherein service institution information is accessible by the transaction service provider server from a database that includes service or product information for at least a portion of the plurality of coupled service institutions;
retrieving over the network transaction data from each of the plurality of coupled service institutions for accounts held by the user at each coupled service institution; and
comparing the received transaction data from the plurality of service institutions with the received transaction data from the electronic transaction device stored in the client database.
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Accused Products
Abstract
Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.
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Citations
4 Claims
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1. A method of collecting, reconciling and storing a single user'"'"'s transactions across a plurality of service institutions without requiring the user to independently access each of the plurality of service institutions, comprising:
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registering an electronic transaction device with a transaction service provider; registering a plurality of accounts corresponding to a plurality of service institutions with the transaction service provider; receiving from the electronic transaction device at the transaction service provider transaction data for at least one of a plurality of transactions conducted via the transaction device through the plurality of service institution accounts held by a user at a plurality of service institutions; maintaining with the transaction service provider a client database that includes user confidential information, the received transaction data, and service institution account information for a plurality of users; coupling a plurality of service institutions to the transaction service provider server over a network, the plurality of service institutions corresponding to at least the one of the plurality of service institution accounts held by a user, wherein service institution information is accessible by the transaction service provider server from a database that includes service or product information for at least a portion of the plurality of coupled service institutions; retrieving over the network transaction data from each of the plurality of coupled service institutions for accounts held by the user at each coupled service institution; and comparing the received transaction data from the plurality of service institutions with the received transaction data from the electronic transaction device stored in the client database. - View Dependent Claims (2, 3, 4)
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Specification