Systems and methods for account ownership verification
US12008571B1 · kind B1 · utility
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3References
17Claims
0Family size
Assignee
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Key dates
| Filing date | May 2, 2023 |
| Grant date | Jun 11, 2024 |
| Priority date | — |
| Expiry date | May 2, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4016
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.