Method and Apparatus for Managing Transactions
First Claim
Patent Images
1. A method comprising:
- receiving account access information from a user;
accessing the account using the received access information;
harvesting data from a web page associated with the account; and
authenticating the user'"'"'s ability to access the account based on the obtained information.
3 Assignments
0 Petitions
Accused Products
Abstract
A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user'"'"'s ability to access the account is authenticated based on the obtained information.
157 Citations
44 Claims
-
1. A method comprising:
-
receiving account access information from a user;
accessing the account using the received access information;
harvesting data from a web page associated with the account; and
authenticating the user'"'"'s ability to access the account based on the obtained information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
-
-
13. A method comprising:
-
receiving financial account access information from a user;
obtaining information regarding the financial account from a financial data source; and
authenticating the user'"'"'s ability to access the financial account based on the obtained information. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
-
-
24. A method of authenticating a user'"'"'s ability to access a financial account, the method comprising:
-
making a first transfer associated with the financial account;
requesting the user to identify the amount of the first transfer;
confirming the user'"'"'s ability to access the financial account if the user correctly identifies the amount of the first transfer; and
denying the user'"'"'s ability to access the financial account if the user does not correctly identify the amount of the first transfer. - View Dependent Claims (25, 26, 27, 28, 29, 30)
-
-
31. A computer implemented method comprising:
-
receiving account access information from a user;
receiving user identification information from the user;
obtaining information regarding the account, comprising obtaining information from a third party source using the account access information received from the user;
comparing the information obtained regarding the account with the identification information received from the user; and
authorizing the user to access the account if the information obtained regarding the account matches the identification information received from the user. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38)
-
-
39. A method comprising:
-
a financial management system receiving account information from a user, wherein the account can be accessed via an online connection, wherein the financial management system is coupled among a user device and a plurality of financial institutions via a network;
the financial management system receiving user identification information from the user;
the financial management system obtaining information regarding the account via an online connection, wherein the information is obtained from one or more sources via the network;
the financial management system comparing the information obtained regarding the account with the identification information received from the user; and
the financial management system authorizing the user to execute actions with respect to the account if the information obtained regarding the account matches the identification information received from the user. - View Dependent Claims (40, 41, 42, 43, 44)
-
Specification