Patent application number | Description | Published |
20090144193 | Sub-Account Mechanism - A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account. | 06-04-2009 |
20110004547 | MOBILE TRANSACTIONS USING ACCOUNT ALIASES - Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient's account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient's financial account based at least partially on the alias; and (3) transferring funds to the payment recipient's financial account. | 01-06-2011 |
20110004550 | CUSTOMER ON-BOARDING SYSTEM - Embodiments of the invention provide a system and method for on-boarding customers via a viral account opening or account registration process that uses aliases, such as telephone numbers, email addresses, and social networking identifiers, to identify payee accounts. If an alias is received for which a payee account cannot be identified, embodiments of the invention use the alias to contact the payee and request that the payee register an existing account or open a new account. | 01-06-2011 |
20110010292 | PAYMENT TRANSACTIONS USING PAYEE ACCOUNT ALIASES - Embodiments of the invention provide a system and method for using aliases, such as mobile telephone numbers, email addresses, and social networking identifications, to identify a payment recipient's account involved in a payment transaction. Some embodiments of the method include: (1) receiving a payment request from a payment sender via a communication from a remote device, where the payment request includes an alias, and where the alias is not an account number; (2) using a processor to identify a payment recipient's financial account based at least partially on the alias; and (3) transferring funds from the payment sender's account to the payment recipient's account. Identifying the payment recipient's financial account based on the alias may include accessing a memory device having a data repository stored therein that maps each of a plurality of aliases back to a financial account number, and then using the data repository in combination with the alias to identify the payment recipient's financial account number. | 01-13-2011 |
20110010293 | ACCOUNT ALIAS DATA REPOSITORY - Embodiments of the invention provide systems and methods for creating a financial account alias data repository to be used to identify payee accounts in payment transactions. For example, an embodiment of the method includes: (1) receiving a communication comprising an alias that is not a financial account number; and (2) using a processor to store the alias in memory and create a data repository in the memory that maps the alias to a particular financial account such that the alias can be used by others instead of a financial account number to transfer money to the particular financial account associated with the alias. The alias may include, for example, a telephone number, email address, or social networking identifier of the financial account owner. | 01-13-2011 |
20120116967 | Mobile payment system and method - System, method, and computer program product are provided for a user to send and receive P2P payments using a mobile device. Through the use of the mobile device, a user may access his/her accounts at a financial institution and direct payments to a third-party using an alias. The user may ensure a secure payment to a third-party through the network associated with a financial institution. Payments may be directed to individuals the user may input into the system by providing the individual's alias. An alias may be a unique identifier of an individual and tied to a financial account of that individual. The sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. This invention allows a user to receive and provide payments for transactions utilizing the convenience of a mobile device. | 05-10-2012 |
20120116973 | Online payment system and method - System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. | 05-10-2012 |
20120179609 | AUTOMATIC IMAGE ANALYSIS AND CAPTURE - In general terms, some embodiments of the present invention relate to methods and apparatuses for automatically analyzing and/or capturing an image of a deposit item for use in a deposit transaction. In some embodiments, a method is provided that includes: (a) generating, by a remote capture device, an image of a deposit item, where the generating the image is based at least partially on the deposit item being exposed to the remote capture device; (b) determining, automatically by the remote capture device, that the image is satisfactory for reading deposit item information from the image, where the deposit item information is associated with the deposit item; and (c) performing, automatically by the remote capture device, a predetermined action, where the performing the predetermined action is based at least partially on the determining that the image is satisfactory for reading deposit item information from the image. In some embodiments, the performing the predetermined action includes capturing, automatically by the remote capture device, the image of the deposit item. In other embodiments, the performing the predetermined action includes prompting, automatically by the remote capture device, a user of the remote capture device to capture the image. In some embodiments, the method occurs in substantially real-time and/or while the deposit item is being exposed to the remote capture device. | 07-12-2012 |
20120259776 | DYNAMIC PRE-QUALIFICATION - Embodiments of the invention are directed to systems, methods and computer program products for determining whether an account is eligible to participate in a banking service. In some embodiments, a method includes: (a) receiving information associated with an account; (b) determining, based at least partially on the information, that the account is eligible to participate in a banking service; and (c) presenting, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service, where the presenting is based at least partially on the determining that the account is eligible. In some embodiments, the method further includes activating the banking service for the account. In some embodiments, the identifier is embodied as an input feature that enables the holder to enroll in the banking service. In other embodiments, the identifier is embodied as an input feature that enables the holder to use the banking service. | 10-11-2012 |