Host Exchange in Bill Paying Services
1 Assignment
0 Petitions
Accused Products
Abstract
An account exchange system is provided by a data aggregation service enabled for gathering data for a subscriber from a data repository of a first financial institution, using account exchange software operating on a server coupled to the data aggregation service. Initiated by a subscriber the account exchange software causes an account to be terminated at the first financial institution and a new account to be opened at a second financial institution, using data from the first financial institution, and processing the data to be compatible with data requirements at the second financial institution.
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Citations
48 Claims
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1-26. -26. (canceled)
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27. A system for exchanging accounts, comprising:
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a network-connected server mining information for clients from network sites; and software executing on the network-connected server from a coupled machine-readable medium, including a portion mining the information for clients from network sites, and a portion providing account exchange functions; wherein, in the process of data mining for a client, the system discovers that a client has initiated a transaction to close an account at one institution and open an account at another, and then solicits the client to subscribe to a service assisting the client with the task of switching service accounts and account data between the accounts. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 40, 41, 42)
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38. A method for exchanging accounts, comprising the steps of:
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(a) mining information for clients from network sites using a network-connected server; (b) discovering, in the process of information mining for a client, that the client has initiated a transaction to close an account at one institution and open an account at another; and (c) soliciting the client to subscribe to a service assisting the client with the task of switching service accounts and account data between the accounts. - View Dependent Claims (39, 43, 44, 45, 46, 47, 48)
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Specification