System and method for establishing and providing access to various types of online accounts
First Claim
1. A method comprising:
- receiving by at least one processor identification information submitted by a first user, in which the identification information is received from the first user via a computer system associated with the first user, the computer system being coupled to the at least one processor over a communications network;
transmitting by the at least one processor to at least one credit verification entity a request for credit information, in which the request includes at least a portion of the identification information;
receiving by the at least one processor from the at least one credit verification entity the requested credit information, in which the requested credit information includes a credit score and an identity score,in which the credit score represents a quality of credit associated with a person identified by the identification information, andin which the identity score represents a level of assurance that the person identified by the identification information is the same person as the first user;
based at least in part on the credit score and the identity score, approving by the at least one processor, an opening of an account for the first user,in which the account has at least one balance associated therewith, andin which the first user may use the account to place bets on sporting events;
receiving by the at least one processor from the first user a first order and a second order,in which the first order comprises a bet on a sporting event and further comprises or defines an amount that the first user wishes to wager on the sporting event, andin which the second order comprises a bet on at least one of (i) the sporting event and (ii) another sporting event, and in which the second order further comprises or defines an amount that the first user wishes to wager on the at least one of (i) the sporting event and (ii) the another sporting event;
receiving by the at least one processor from a second user an order, in which the order from the second user comprises a bet on the sporting event and further comprises or defines an amount that the second user wishes to wager on the sporting event;
approving by the at least one processor the first order;
based at least in part on approving the first order, making by the at least one processor the first order available for matching with other orders;
approving by the at least one processor the second order;
based at least in part on approving the second order, making by the at least one processor the second order available for matching with other orders;
matching by the at least one processor the first order from the first user with the order from the second user;
based at least in part on matching the first order from the first user with the order from the second user, adjusting by the at least one processor the at least one balance associated with the account; and
based at least in part on adjusting the at least one balance associated with the account and subsequent to making the second order available for matching with other orders, automatically reducing by the at least one processor the wager amount of the second order.
1 Assignment
0 Petitions
Accused Products
Abstract
A method of providing an account is provided. The method includes receiving identification information associated with a user during a communication session. The method further includes communicating a request for credit information. The request includes at least a portion of the identification information. The method further includes receiving the requested credit information, and for each of a plurality of different types of accounts, determining whether to approve that type of account based at least in part on the received credit information. The method further includes communicating an indication of at least a portion of the approved types of accounts, and receiving a selection of at least one of the approved types of accounts. The method further includes opening at least one of the selected types of accounts and providing access to at least one of the opened accounts during the communication session.
82 Citations
47 Claims
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1. A method comprising:
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receiving by at least one processor identification information submitted by a first user, in which the identification information is received from the first user via a computer system associated with the first user, the computer system being coupled to the at least one processor over a communications network; transmitting by the at least one processor to at least one credit verification entity a request for credit information, in which the request includes at least a portion of the identification information; receiving by the at least one processor from the at least one credit verification entity the requested credit information, in which the requested credit information includes a credit score and an identity score, in which the credit score represents a quality of credit associated with a person identified by the identification information, and in which the identity score represents a level of assurance that the person identified by the identification information is the same person as the first user; based at least in part on the credit score and the identity score, approving by the at least one processor, an opening of an account for the first user, in which the account has at least one balance associated therewith, and in which the first user may use the account to place bets on sporting events; receiving by the at least one processor from the first user a first order and a second order, in which the first order comprises a bet on a sporting event and further comprises or defines an amount that the first user wishes to wager on the sporting event, and in which the second order comprises a bet on at least one of (i) the sporting event and (ii) another sporting event, and in which the second order further comprises or defines an amount that the first user wishes to wager on the at least one of (i) the sporting event and (ii) the another sporting event; receiving by the at least one processor from a second user an order, in which the order from the second user comprises a bet on the sporting event and further comprises or defines an amount that the second user wishes to wager on the sporting event; approving by the at least one processor the first order; based at least in part on approving the first order, making by the at least one processor the first order available for matching with other orders; approving by the at least one processor the second order; based at least in part on approving the second order, making by the at least one processor the second order available for matching with other orders; matching by the at least one processor the first order from the first user with the order from the second user; based at least in part on matching the first order from the first user with the order from the second user, adjusting by the at least one processor the at least one balance associated with the account; and based at least in part on adjusting the at least one balance associated with the account and subsequent to making the second order available for matching with other orders, automatically reducing by the at least one processor the wager amount of the second order. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. An apparatus comprising:
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at least one processor; and a memory electronically coupled to the at least one processor, in which the memory stores instructions which, when executed by the at least one processor, direct the at least one processor to; receive identification information submitted by a first user, in which the apparatus is operable to receive the identification information from the first user via a computer system associated with the first user, the apparatus being further operable to communicate with the computer system over a communications network; transmit to at least one credit verification entity a request for credit information, in which the request includes at least a portion of the identification information; receive from the at least one credit verification entity the requested credit information, in which the requested credit information includes a credit score and an identity score, in which the credit score represents a quality of credit associated with a person identified by the identification information, and in which the identity score represents a level of assurance that the person identified by the identification information is the same person as the first user; based at least in part on the credit score and the identity score, approve an opening of an account for the first user, in which the account has at least one balance associated therewith, and in which the first user may use the account to place bets on sporting events; receive from the first user a first order and a second order, in which the first order comprises a bet on a sporting event and further comprises or defines an amount that the first user wishes to wager on the sporting event, and in which the second order comprises a bet on at least one of (i) the sporting event and (ii) another sporting event, and in which the second order further comprises or defines an amount that the first user wishes to wager on the at least one of (i) the sporting event and (ii) the another sporting event; receive from a second user an order, in which the order from the second user comprises a bet on the sporting event and further comprises or defines an amount that the second user wishes to wager on the sporting event; approve the first order; based at least in part on approving the first order, make the first order available for matching with other orders; approve the second order; based at least in part on approving the second order, make the second order available for matching with other orders; match the first order from the first user with the order from the second user; based at least in part on matching the first order from the first user with the order from the second user, adjust the at least one balance associated with the account; and based at least in part on adjusting the at least one balance associated with the account and subsequent to making the second order available for matching with other orders, automatically reduce the wager amount of the second order. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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40. An article of manufacture comprising:
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a storage medium, in which the storage medium stores instructions which, when executed by at least one processor, direct the at least one processor to; receive over a communications network identification information submitted by a first user via a computer system associated with the first user; transmit to at least one credit verification entity a request for credit information, in which the request includes at least a portion of the identification information; receive from the at least one credit verification entity the requested credit information, in which the requested credit information includes a credit score and an identity score, in which the credit score represents a quality of credit associated with a person identified by the identification information, and in which the identity score represents a level of assurance that the person identified by the identification information is the first user; based at least in part on the credit score and the identity score, approve an opening of an account for the first user, in which the account has at least one balance associated therewith, and in which the first user may use the account to place bets on sporting events; receive from the first user a first order and a second order, in which the first order comprises a bet on a sporting event and further comprises or defines an amount that the first user wishes to wager on the sporting event, and in which the second order comprises a bet on at least one of (i) the sporting event and (ii) another sporting event, and in which the second order further comprises or defines an amount that the first user wishes to wager on the at least one of (i) the sporting event and (ii) the another sporting event; receive from a second user an order, in which the order from the second user comprises a bet on the sporting event and further comprises or defines an amount that the second user wishes to wager on the sporting event; approve the first order; based at least in part on approving the first order, make the first order available for matching with other orders; approve the second order; based at least in part on approving the second order, make the second order available for matching with other orders; match the first order from the first user with the order from the second user; based at least in part on matching the first order from the first user with the order from the second user, adjust the at least one balance associated with the account; and based at least in part on adjusting the at least one balance associated with the account and subsequent to making the second order available for matching with other orders, automatically reduce the wager amount of the second order. - View Dependent Claims (41, 42, 43, 44, 45, 46, 47)
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Specification