Validating financial accounts
First Claim
1. A computer-implemented method, comprising:
- receiving an indication of a financial account of a user for use with financial transactions involving the user; and
automatically validating use of the financial account by,initiating one or more deposits to the financial account for use in validating the financial account, each deposit being of a determined amount, the initiating of the one or more deposits being performed by one or more programmed computing systems;
initiating physical delivery of an item to a location associated with the user, the item having multiple distinct account validation identifier candidates for the account such that each of the multiple account validation identifier candidates is identifiable from the item using one or more numerical amounts, at least one of the multiple account validation identifier candidates being identifiable using the determined amounts of the one or more deposits;
providing instructions for identifying one or more of the multiple account validation identifier candidates from the delivered item by using amounts of the initiated one or more deposits, the providing of the instructions being performed by the one or more programmed computing systems; and
after receiving from the user indications of one or more of the multiple account validation identifier candidates and determining that the indicated one or more account validation identifier candidates are the at least one account validation identifier candidates, validating use of the financial account with financial transactions involving the user, the validating of the use of the financial account being performed by the one or more programmed computing systems.
1 Assignment
0 Petitions
Accused Products
Abstract
Techniques are described related to validating financial accounts, such as before allowing the use of the financial accounts in making payments or otherwise being used as part of transactions. In some situations, the validating of a financial account includes corroborating that a user who desires to use the financial account is the account holder for the account or is otherwise authorized to use the account, such as by confirming that the user has access to information about transactions involving the account and that the user has access to at least one physical item that is delivered to an address or other location associated with the user. This abstract is provided to comply with rules requiring an abstract, and it is submitted with the intention that it will not be used to interpret or limit the scope or meaning of the claims.
21 Citations
45 Claims
-
1. A computer-implemented method, comprising:
-
receiving an indication of a financial account of a user for use with financial transactions involving the user; and automatically validating use of the financial account by, initiating one or more deposits to the financial account for use in validating the financial account, each deposit being of a determined amount, the initiating of the one or more deposits being performed by one or more programmed computing systems; initiating physical delivery of an item to a location associated with the user, the item having multiple distinct account validation identifier candidates for the account such that each of the multiple account validation identifier candidates is identifiable from the item using one or more numerical amounts, at least one of the multiple account validation identifier candidates being identifiable using the determined amounts of the one or more deposits; providing instructions for identifying one or more of the multiple account validation identifier candidates from the delivered item by using amounts of the initiated one or more deposits, the providing of the instructions being performed by the one or more programmed computing systems; and after receiving from the user indications of one or more of the multiple account validation identifier candidates and determining that the indicated one or more account validation identifier candidates are the at least one account validation identifier candidates, validating use of the financial account with financial transactions involving the user, the validating of the use of the financial account being performed by the one or more programmed computing systems. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
-
-
28. A computer-readable medium whose contents include instructions that when executed configure a computing device to perform a method comprising:
-
receiving an indication of a financial account of a user for use with financial transactions involving the user; and automatically validating use of the financial account by, initiating one or more deposits to the financial account for use in validating the financial account, each deposit having a determined amount, the initiating of the one or more deposits being performed by the configured computing device; initiating steps for physical delivery of an item to a location associated with the user, the item having multiple distinct account validation identifier candidates for the account such that each of the multiple account validation identifier candidates is identifiable from the item using one or more numerical amounts, at least one of the multiple account validation identifier candidates being identifiable using the determined amounts of the one or more deposits; providing instructions for identifying one or more of the multiple account validation identifier candidates of the delivered item by using amounts of one or more indicated deposits; and after receiving from the user indications of one or more of the multiple account validation identifier candidates and determining that the indicated one or more account validation identifier candidates are the at least one account validation identifier candidates, validating use of the financial account with financial transactions involving the user, the validating of the use of the financial account being performed by the configured computing device. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36)
-
-
37. A computing device, comprising:
-
one or more memories; and one or more components configured to, when executed using at least one of the one or more memories; receive an indication of a financial account of a user for use with financial transactions involving the user; and automatically validate use of the financial account by, initiating one or more deposits to the financial account for use in validating the financial account, each deposit having an associated monetary amount; initiating steps for physical delivery of an item to a location associated with the user, the item having multiple distinct account validation identifier candidates for the account such that each of the multiple account validation identifier candidates is identifiable from the item using one or more numerical amounts, at least one of the multiple account validation identifier candidates being identifiable using the associated amounts of the one or more deposits; providing instructions for identifying one or more of the multiple account validation identifier candidates of the delivered item by using amounts of the initiated one or more deposits; and after receiving from the user indications of one or more of the multiple account validation identifier candidates and determining that the indicated one or more account validation identifier candidates are the at least one account validation identifier candidates, validating use of the financial account with financial transactions involving the user. - View Dependent Claims (38, 39, 40, 41, 42, 43, 44, 45)
-
Specification