WO2002048826A3 - User configurable demand deposit account system and method - Google Patents

User configurable demand deposit account system and method Download PDF

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Publication number
WO2002048826A3
WO2002048826A3 PCT/US2001/044634 US0144634W WO0248826A3 WO 2002048826 A3 WO2002048826 A3 WO 2002048826A3 US 0144634 W US0144634 W US 0144634W WO 0248826 A3 WO0248826 A3 WO 0248826A3
Authority
WO
WIPO (PCT)
Prior art keywords
features
user
account
demand deposit
deposit account
Prior art date
Application number
PCT/US2001/044634
Other languages
French (fr)
Other versions
WO2002048826A2 (en
Inventor
Glen M Case
Andrew C Baumgardt
Original Assignee
Harris Trust And Saving Bank
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 Harris Trust And Saving Bank filed Critical Harris Trust And Saving Bank
Priority to CA002430549A priority Critical patent/CA2430549A1/en
Priority to AU2002243249A priority patent/AU2002243249A1/en
Publication of WO2002048826A2 publication Critical patent/WO2002048826A2/en
Publication of WO2002048826A3 publication Critical patent/WO2002048826A3/en

Links

Classifications

    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction

Abstract

A computer-implemented is disclosed for a user to configure important features (12, 20, 40) of a demand deposit account at a financial institution, for features (12, 20, 40) and periodic cost using options for each feature as set by the institution. Interest paid, balance levels, teller and ATM uses, direct deposit, and canceled check return. The user, working directly at a computer terminal or through an agent using a terminal displaying the features and options (12, 20, 40), selects a desired option for each feature of the account from among those offered, depending on the user's needs and habits. When an option is selected and submitted for all the features, the system computes the monthly cost of the account from a database.
PCT/US2001/044634 2000-11-30 2001-11-29 User configurable demand deposit account system and method WO2002048826A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA002430549A CA2430549A1 (en) 2000-11-30 2001-11-29 User configurable demand deposit account system and method
AU2002243249A AU2002243249A1 (en) 2000-11-30 2001-11-29 User configurable demand deposit account system and method

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US72712000A 2000-11-30 2000-11-30
US09/727,120 2000-11-30

Publications (2)

Publication Number Publication Date
WO2002048826A2 WO2002048826A2 (en) 2002-06-20
WO2002048826A3 true WO2002048826A3 (en) 2003-11-13

Family

ID=24921416

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/044634 WO2002048826A2 (en) 2000-11-30 2001-11-29 User configurable demand deposit account system and method

Country Status (3)

Country Link
AU (1) AU2002243249A1 (en)
CA (1) CA2430549A1 (en)
WO (1) WO2002048826A2 (en)

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US7058817B1 (en) 1999-07-02 2006-06-06 The Chase Manhattan Bank System and method for single sign on process for websites with multiple applications and services
AU3438401A (en) 1999-11-04 2001-05-14 Jp Morgan Chase Bank System and method for automated financial project management
US10275780B1 (en) 1999-11-24 2019-04-30 Jpmorgan Chase Bank, N.A. Method and apparatus for sending a rebate via electronic mail over the internet
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
US6965865B2 (en) 1999-12-30 2005-11-15 Bank One Delaware N.A. System and method for integrated customer management
US7426530B1 (en) 2000-06-12 2008-09-16 Jpmorgan Chase Bank, N.A. System and method for providing customers with seamless entry to a remote server
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
US8335855B2 (en) 2001-09-19 2012-12-18 Jpmorgan Chase Bank, N.A. System and method for portal infrastructure tracking
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
AU2002312381A1 (en) 2001-06-07 2002-12-16 First Usa Bank, N.A. System and method for rapid updating of credit information
US7266839B2 (en) 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
WO2003038561A2 (en) 2001-11-01 2003-05-08 First Usa Bank, N.A. System and method for establishing or modifying an account with user selectable terms
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US20180165441A1 (en) 2002-03-25 2018-06-14 Glenn Cobourn Everhart Systems and methods for multifactor authentication
US7058660B2 (en) 2002-10-02 2006-06-06 Bank One Corporation System and method for network-based project management
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US8583926B1 (en) 2005-09-19 2013-11-12 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US8473735B1 (en) 2007-05-17 2013-06-25 Jpmorgan Chase Systems and methods for managing digital certificates
US8321682B1 (en) 2008-01-24 2012-11-27 Jpmorgan Chase Bank, N.A. System and method for generating and managing administrator passwords
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US10049402B1 (en) 2012-06-13 2018-08-14 Jpmorgan Chase Bank, N.A. ATM privacy system and method
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5966695A (en) * 1995-10-17 1999-10-12 Citibank, N.A. Sales and marketing support system using a graphical query prospect database
US6223983B1 (en) * 1999-02-19 2001-05-01 National City Bank Interactive point access financial and information system

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5966695A (en) * 1995-10-17 1999-10-12 Citibank, N.A. Sales and marketing support system using a graphical query prospect database
US6223983B1 (en) * 1999-02-19 2001-05-01 National City Bank Interactive point access financial and information system

Also Published As

Publication number Publication date
WO2002048826A2 (en) 2002-06-20
CA2430549A1 (en) 2002-06-20
AU2002243249A1 (en) 2002-06-24

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