US20080091591A1 - Methods and systems for opening and funding a financial account online - Google Patents

Methods and systems for opening and funding a financial account online Download PDF

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Publication number
US20080091591A1
US20080091591A1 US11/796,562 US79656207A US2008091591A1 US 20080091591 A1 US20080091591 A1 US 20080091591A1 US 79656207 A US79656207 A US 79656207A US 2008091591 A1 US2008091591 A1 US 2008091591A1
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US
United States
Prior art keywords
account
risk
customer
financial institution
funding source
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US11/796,562
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English (en)
Inventor
Rockne Egnatios
Amy Byal
Gerard Marineau
Robert Evans
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Fidelity Information Services LLC
Original Assignee
Efunds Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Efunds Corp filed Critical Efunds Corp
Priority to US11/796,562 priority Critical patent/US20080091591A1/en
Assigned to EFUNDS CORPORATION reassignment EFUNDS CORPORATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: EVANS, ROBERT L, JR, MARINEAU, GERARD, EGNATIOS, ROCKNE, BYAL, AMY B
Publication of US20080091591A1 publication Critical patent/US20080091591A1/en
Assigned to FIDELITY INFORMATION SERVICES, LLC reassignment FIDELITY INFORMATION SERVICES, LLC ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: EFUNDS CORPORATION
Abandoned legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
US11/796,562 2006-04-28 2007-04-27 Methods and systems for opening and funding a financial account online Abandoned US20080091591A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
US11/796,562 US20080091591A1 (en) 2006-04-28 2007-04-27 Methods and systems for opening and funding a financial account online

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US79623206P 2006-04-28 2006-04-28
US81682006P 2006-06-27 2006-06-27
US11/796,562 US20080091591A1 (en) 2006-04-28 2007-04-27 Methods and systems for opening and funding a financial account online

Publications (1)

Publication Number Publication Date
US20080091591A1 true US20080091591A1 (en) 2008-04-17

Family

ID=38656232

Family Applications (5)

Application Number Title Priority Date Filing Date
US11/796,607 Abandoned US20080091530A1 (en) 2006-04-28 2007-04-27 Methods and systems for providing cross-selling with online banking environments
US11/796,561 Active US8160957B2 (en) 2006-04-28 2007-04-27 Methods and systems for opening and funding a financial account online
US11/796,563 Active US7849003B2 (en) 2006-04-28 2007-04-27 Methods and systems for opening and funding a financial account online
US11/796,562 Abandoned US20080091591A1 (en) 2006-04-28 2007-04-27 Methods and systems for opening and funding a financial account online
US13/416,785 Active US8423456B2 (en) 2006-04-28 2012-03-09 Methods and systems for opening and funding a financial account online

Family Applications Before (3)

Application Number Title Priority Date Filing Date
US11/796,607 Abandoned US20080091530A1 (en) 2006-04-28 2007-04-27 Methods and systems for providing cross-selling with online banking environments
US11/796,561 Active US8160957B2 (en) 2006-04-28 2007-04-27 Methods and systems for opening and funding a financial account online
US11/796,563 Active US7849003B2 (en) 2006-04-28 2007-04-27 Methods and systems for opening and funding a financial account online

Family Applications After (1)

Application Number Title Priority Date Filing Date
US13/416,785 Active US8423456B2 (en) 2006-04-28 2012-03-09 Methods and systems for opening and funding a financial account online

Country Status (2)

Country Link
US (5) US20080091530A1 (fr)
WO (4) WO2007127412A2 (fr)

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US20080091593A1 (en) 2008-04-17
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US20080091600A1 (en) 2008-04-17
US20080091530A1 (en) 2008-04-17
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