System and method for accessing an online user account registry via a thin-client unique user code
First Claim
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1. A method for on-line financial transactions, comprising the steps of:
- a. registering a user, comprising;
(i) registering a plurality of rule-modules to a user within a rule-module nexus, said registered rule-module further comprising pattern data associated with an execution command;
(ii) registering to the user within an online user account registry, a plurality of proprietary financial accounts, each comprising an account identifier, said account identifier further comprising;
a code identifying an account issuer, as approved by the International Organization for Standardization [(Bank Identification Code, or BIC Code) or (Bank Identification Number, or BIN)];
a code identifying an account issuer, as approved by the Society for Worldwide Interbank Financial Telecommunications (SWIFT Address or SWIFT Code), and;
a code identifying an account issuer, as approved by the American Banker'"'"'s Association (ABA Routing Code);
b. data-storing in a portable nexus access token, wherein a unique user code of the user is stored in the portable nexus access token, and wherein said unique user code is a thin-client data string, unique to a user, comprising data which does not directly identify a specific online financial account of the user;
c. processing an on-line financial transaction, using the portable nexus access token and a user interface apparatus located remotely from the rule-module nexus, comprising;
(i) verifying a user, wherein a user'"'"'s authority to access the rule-module nexus is verified on-line by a verification platform using verification data provided via the user interface apparatus, said verification data comprising a bid unique user code provided directly from the portable nexus access token, and;
(ii) accessing financial accounts, wherein upon the verification platform verifying the user is authorized to access the rule-module nexus, the rule-module nexus enables access to a plurality of proprietary financial accounts of the user for completing the on-line financial transaction;
Whereby, the portable nexus access token and the rule-module nexus provide an authorized user access to a plurality of proprietary financial accounts for processing an on-line financial transaction.
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Abstract
The invention is a system and method for accessing an online user account registry, comprising: a) Approving access to an online user account registry via a verification platform comparing a bid verification data, comprising a unique user code provided from a nexus access token, with a registered verification data; b) Accessing the online user account registry via a rule-module invoked from a rule-module nexus, said online user account registry comprising a plurality of financial accounts of the user; Whereby an online account registry, comprising a plurality of financial accounts, is accessed via a unique user code provided from a nexus access token.
292 Citations
20 Claims
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1. A method for on-line financial transactions, comprising the steps of:
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a. registering a user, comprising; (i) registering a plurality of rule-modules to a user within a rule-module nexus, said registered rule-module further comprising pattern data associated with an execution command; (ii) registering to the user within an online user account registry, a plurality of proprietary financial accounts, each comprising an account identifier, said account identifier further comprising;
a code identifying an account issuer, as approved by the International Organization for Standardization [(Bank Identification Code, or BIC Code) or (Bank Identification Number, or BIN)];
a code identifying an account issuer, as approved by the Society for Worldwide Interbank Financial Telecommunications (SWIFT Address or SWIFT Code), and;
a code identifying an account issuer, as approved by the American Banker'"'"'s Association (ABA Routing Code);b. data-storing in a portable nexus access token, wherein a unique user code of the user is stored in the portable nexus access token, and wherein said unique user code is a thin-client data string, unique to a user, comprising data which does not directly identify a specific online financial account of the user; c. processing an on-line financial transaction, using the portable nexus access token and a user interface apparatus located remotely from the rule-module nexus, comprising; (i) verifying a user, wherein a user'"'"'s authority to access the rule-module nexus is verified on-line by a verification platform using verification data provided via the user interface apparatus, said verification data comprising a bid unique user code provided directly from the portable nexus access token, and; (ii) accessing financial accounts, wherein upon the verification platform verifying the user is authorized to access the rule-module nexus, the rule-module nexus enables access to a plurality of proprietary financial accounts of the user for completing the on-line financial transaction; Whereby, the portable nexus access token and the rule-module nexus provide an authorized user access to a plurality of proprietary financial accounts for processing an on-line financial transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
Whereby, pan-portfolio analytics are presented by an authorized party accessing a plurality of proprietary financial accounts in an online user account registry via a rule-module nexus.
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3. The method of claim 2, wherein the analytics further comprises any of the following:
- a pattern of fraud;
a pattern of product purchasing;
a pattern of preferences for processing a financial transaction;
a pattern of financial account selection;
a pattern of rewards redemption;
a pattern of user geographic locations;
a pattern retailer locations;
a pattern of costs in processing a financial transaction;
Whereby pan-portfolio analytics are compiled via a plurality of otherwise inaccessible proprietary financial accounts being rendered accessible by the rule-module nexus.
- a pattern of fraud;
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4. The method of claim 3, wherein the pattern further comprises any of the following:
- a prior pattern;
a real-time pattern;
a predictive pattern.
- a prior pattern;
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5. The method of claim 1, wherein registering a user further comprises a plurality of rule-modules being registered to a user.
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6. The method of claim 1, further comprising a user interface apparatus hardware verification code being verified by the verification platform, and the rule-module nexus invoking a rule-module, said rule-module comprising any of the following:
- accessing a financial account of a payee;
a default electronic audible signature;
a default electronic visible signature;
a default financial account of a user;
a private code of a user;
predetermined criteria for tagging and ranking, in a certain order, a plurality of proprietary financial accounts of a user;
a financial account routing code of a payee;
transmitting payee data to the user interface apparatus, and;
transmitting payee data to the portable nexus access token;
settlement of the financial transaction wherein a financial account of the user is debited and a financial account of a payee is credited;
a rewards incentive;
an arbitrage rule-module, and;
a financial transaction processing preference.
- accessing a financial account of a payee;
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7. The method of claim 1, further comprising auto-populating a user'"'"'s pattern data with a plurality of financial accounts, wherein auto-populating comprises:
electronically pulling a credit report of the user;
selecting financial accounts contained in said credit report;
automatically registering said selected financial accounts via the rule-module nexus.
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8. The method of claim 7, wherein auto-populating communications occur via a network comprising any of the following:
- a cable network;
a wireless network;
a land-line phone network;
the Internet;
an intranet;
a local area network, a wide area network;
an electronic positioning network;
a satellite network, and;
an X.25 network.
- a cable network;
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9. A method for on-line financial transactions, comprising the steps of:
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a. registering a user, wherein a rule-module is registered to a user within a rule-module nexus, said registered rule-module further comprising pattern data associated with an execution command, wherein the pattern data further comprises;
a personal verification code (PVC);
a secondary personal verification code;
a unique user code, wherein said unique user code is a thin-client data string, unique to a user, comprising data which does not directly identify a specific online financial account of the user, and;
a plurality of proprietary financial accounts;b. associating a personal verification code, comprising;
matching the personal verification code (PVC) with a live personal identification number (PIN) for processing a financial transaction of the user, and;
translating the personal verification code (PVC) into a live personal identification number (PIN) for processing a financial transaction of the user;c. data-storing in a portable nexus access token, wherein a unique user code of the user is stored in the portable nexus access token; d. processing an on-line financial transaction, using the nexus access token and a user interface apparatus located remotely from the rule-module nexus, comprising; (iii) verifying a user, wherein a user'"'"'s authority to access the rule-module nexus is verified on-line by a verification platform using verification data provided via the user interface apparatus, said verification data comprising a bid unique user code provided directly from the portable nexus access token, and; (iv) accessing financial accounts, wherein upon the verification platform verifying the user is authorized to access the rule-module nexus, the rule-module nexus enables access to a plurality of proprietary financial accounts of the user for completing the on-line financial transaction; Whereby, the portable nexus access token and the rule-module nexus provide an authorized user access to a plurality of proprietary financial accounts for processing an on-line financial transaction. - View Dependent Claims (10)
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11. A system for on-line financial transactions, comprising:
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a. a first computer executable program tangibily embodied on a computer readable medium comprising i. a rule-module nexus, configured to register a plurality of rule-modules to a user within a rule-module nexus, said rule-module further comprising pattern data associated with an execution command; ii. an online user account registry, configured to register a plurality of proprietary financial accounts, each comprising an account identifier, said account identifier further comprising;
a code identifying an account issuer, as approved by the International Organization for Standardization [(Bank Identification Code, or BIC Code) or (Bank Identification Number, or BIN)];
a code identifying an account issuer, as approved by the Society for Worldwide Interbank Financial Telecommunications (SWIFT Address or SWIFT Code), and;
a code identifying an account issuer, as approved by the American Banker'"'"'s Association (ABA Routing Code);b. an on-line financial transaction processing platform, comprising; i. a nexus access token configured to comprise;
portability, and;
storing a unique user code of the user, wherein said unique user code is a thin-client data string, unique to a user, comprising data which does not directly identify a specific online financial account of the user;ii. a user interface apparatus located remotely from the rule-module nexus, configured to gather bid verification data of the user, said verification data comprising a bid unique user code provided directly from the nexus access token, and; iii. a second computer executable program tangibly embodied on a computer readable medium comprising 1. a verification platform configured to verify a user on-line using the bid verification data, wherein a user'"'"'s authority to access the rule-module nexus is verified, and; 2. a user account registry platform configured to access financial accounts via the rule-module nexus, wherein upon the verification platform verifying the user is authorized to access the rule-module nexus, the user is provided on-line access via the rule-module nexus to a plurality of proprietary financial accounts of the user for completing the on-line financial transaction; Whereby, a nexus access token and a rule-module nexus provide an authorized user access to a plurality of proprietary financial accounts for processing an on-line financial transaction. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
Whereby, pan-portfolio analytics are presented by an authorized party accessing a plurality of proprietary financial accounts in an online user account registry via a rule-module nexus.
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13. The system of claim 12, wherein the analytics further comprises any of the following:
- a pattern of fraud;
a pattern of product purchasing;
a pattern of preferences for processing a financial transaction;
a pattern of financial account selection;
a pattern of rewards redemption;
a pattern of user geographic locations;
a pattern retailer locations;
a pattern of costs in processing a financial transaction.
- a pattern of fraud;
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14. The system of claim 13, wherein the pattern further comprises any of the following:
- a prior pattern;
a real-time pattern;
a predictive pattern.
- a prior pattern;
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15. The system of claim 11, further comprising an auto-population platform configured to auto-populate a user'"'"'s pattern data with a plurality of financial accounts, comprising:
- electronically pulling a credit report of the user;
selecting financial accounts contained in said credit report;
automatically registering said selected financial accounts via the rule-module nexus.
- electronically pulling a credit report of the user;
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16. The system of claim 15, wherein the auto-population platform auto-populates financial accounts via a network comprising any of the following:
- a cable network;
a wireless network;
a land-line phone network;
the Internet;
an intranet;
a local area network, a wide area network;
an electronic positioning network;
a satellite network, and;
an X.25 network.
- a cable network;
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17. The system of claim 11, the registration platform is further configured to comprise registering a plurality of rule-modules to a user.
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18. The system of claim 11, further comprising the verification platform being configured to verify a user interface apparatus hardware verification code, and to invoke a a rule-module from the rule-module nexus, said rule-module comprising any of the following:
- accessing a financial account of a payee;
a default electronic audible signature;
a default electronic visible signature;
a default financial account of a user;
a private code of a user;
predetermined criteria for tagging and ranking, in a certain order, a plurality of proprietary financial accounts of a user;
a financial account routing code of a payee;
transmitting payee data to the user interface apparatus, and;
transmitting payee data to the nexus access token;
settlement of the financial transaction wherein a financial account of the user is debited and a financial account of a payee is credited;
a rewards incentive;
an arbitrage rule-module, and;
a financial transaction processing preference.
- accessing a financial account of a payee;
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19. A system for on-line financial transactions, comprising:
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a. a first computer executable program tangibily embodied on a computer readable medium comprising i. a registration platform, configured within a rule-module nexus to comprise registering a rule-module to a user, said rule-module further comprising pattern data associated with an execution command; ii. a personal verification code (PVC) association platform, comprising;
matching means, wherein the personal verification code (PVC) is matched with a live personal identification number (PIN) for processing a financial transaction of the user, and;
translating means, wherein the personal verification code is translated into a live personal identification number (PIN) for processing a financial transaction of the user;b. a nexus access token, configured to comprise;
portability, and;
storing a unique user code of the user, wherein said unique user code is a thin-client data string, unique to a user, comprising data which does not directly identify a specific online financial account of the user;c. an on-line financial transaction processing platform, comprising; i. a nexus access token; ii. a user interface apparatus located remotely from the rule-module nexus, configured to gather bid verification data of the user, said verification data comprising a bid unique user code provided directly from the nexus access token, and; iii. a second computer executable program tangibily embodied on a computer readable medium comprising 1. a verification platform configured to verify a user on-line using the bid verification data, wherein a user'"'"'s authority to access the rule-module nexus is verified, and; 2. a user account registry platform configured to access financial accounts via the rule-module nexus, wherein upon the verification platform verifying the user is authorized to access the rule-module nexus, the user is provided on-line access via the rule-module nexus to a plurality of proprietary financial accounts of the user for completing the on-line financial transaction; Whereby, a nexus access token and a rule-module nexus provide an authorized user access to a plurality of proprietary financial accounts for processing an on-line financial transaction. - View Dependent Claims (20)
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Specification