Systems and methods for authorizing account access

Details Systems and methods for authorizing account access Systems and methods for authorizing account access

2011-04-12

2011-04-12

Fischer, Andrew J. (Department: 3621)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Usage protection of distributed data files

C705S040000, C340S005410

Reexamination Certificate

active

07925589

ABSTRACT:
The present invention provides systems and methods for authorizing access to one or more financial accounts. In some cases, the methods include providing an authorization document that incorporates a passcode. A request to authorize access to an account is received from an owner of the account. As part of the request, the passcode is provided. Based at least in part on the passcode, access to the account is authorized. In other cases, authorization can be provided via a representative of the account owner.

REFERENCES:
patent: 5875437 (1999-02-01), Atkins
patent: 5988509 (1999-11-01), Taskett
patent: 2002/0087323 (2002-07-01), Thomas et al.
patent: 2002/0147691 (2002-10-01), Davis et al.
patent: 2003/0053609 (2003-03-01), Risafi et al.
patent: 2003/0208395 (2003-11-01), McClure et al.
“The Banker's Secret” by Marc Eisenson, Villard, 1990.
Marc Eisenson, “The Banker's Secret”, 1990, Villard.

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