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.
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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.
141 Citations
30 Claims
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1. A method comprising:
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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)
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13. A method comprising:
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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)
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24. A method of authenticating a user'"'"'s ability to access a financial account, the method comprising:
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making a first transfer associated with the financial account, wherein the first transfer is executed by a financial management system coupled between a user computer and a plurality of financial institutions;
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)
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Specification