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    DYNAMIC PRE-QUALIFICATION
    4.
    发明申请
    DYNAMIC PRE-QUALIFICATION 审中-公开
    动态预认证

    公开(公告)号：US20120259776A1

    公开(公告)日：2012-10-11

    申请号：US13083325

    申请日：2011-04-08

    申请人： Hitesh Bajaj ,  Amlan Banerjee ,  Ray R. Hernandez ,  Charles F. Pigg ,  Andrew L. Saar

    发明人： Hitesh Bajaj ,  Amlan Banerjee ,  Ray R. Hernandez ,  Charles F. Pigg ,  Andrew L. Saar

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02

    摘要： 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.

    摘要翻译： 本发明的实施例涉及用于确定帐户是否有资格参与银行服务的系统，方法和计算机程序产品。 在一些实施例中，一种方法包括：（a）接收与帐户相关联的信息; （b）至少部分地确定该资料有资格参与银行服务; 以及（c）在所述帐户持有人可访问的电子银行环境中呈现与所述银行服务相关联的标识符，其中所述呈现至少部分地基于所述帐户是否符合资格。 在一些实施例中，该方法还包括激活该帐户的银行业务。 在一些实施例中，标识符被实施为使得持有者能够注册银行服务的输入特征。 在其他实施例中，标识符被实现为使得持有者能够使用银行服务的输入特征。

    Authentication strategies for remote financial institution services
    5.
    发明授权
    Authentication strategies for remote financial institution services 有权
    远程金融机构服务的认证策略

    公开(公告)号：US08864022B2

    公开(公告)日：2014-10-21

    申请号：US13111349

    申请日：2011-05-19

    申请人： Ray R. Hernandez

    发明人： Ray R. Hernandez

    IPC分类号： G06K7/00 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/34

    CPC分类号： G06Q20/108 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/3276 ,  G06Q20/34

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for authenticating access to a financial institution service. In some embodiments, a method includes: (a) receiving a user input configured to request access to a financial institution service, and (b) initiating presentation of, using a processor, a first authentication request in an electronic banking environment, wherein the first authentication request prompts a user to initiate capture of an image of a capturable authentication card associated with the account holder. In some embodiments, the method further includes receiving the image of the capturable authentication card, and determining the capturable authentication card is a valid capturable authentication card based at least partially on information extracted from the image of the capturable authentication card. The invention allows a user to enjoy a similar authentication experience prior to accessing a financial institution service at a physical ATM when compared to accessing an electronic financial institution service via an image capture device such as a mobile computing device.

    摘要翻译： 本发明的实施例涉及用于认证对金融机构服务的访问的系统，方法和计算机程序产品。 在一些实施例中，一种方法包括：（a）接收配置成请求访问金融机构服务的用户输入，以及（b）使用处理器发起在电子银行环境中呈现第一认证请求，其中第一 认证请求提示用户开始捕获与帐户持有者相关联的可识别认证卡的图像。 在一些实施例中，该方法还包括接收可识别认证卡的图像，并且至少部分地基于从可拍摄认证卡的图像中提取的信息来确定可拍摄认证卡是有效的可识别认证卡。 当通过诸如移动计算设备的图像捕获设备访问电子金融机构服务时，本发明允许用户在访问物理ATM之前的金融机构服务之前享受类似的认证体验。

    AUTHENTICATION STRATEGIES FOR REMOTE FINANCIAL INSTITUTION SERVICES
    6.
    发明申请
    AUTHENTICATION STRATEGIES FOR REMOTE FINANCIAL INSTITUTION SERVICES 有权
    远程财务管理服务认证策略

    公开(公告)号：US20120292388A1

    公开(公告)日：2012-11-22

    申请号：US13111349

    申请日：2011-05-19

    申请人： Ray R. Hernandez

    发明人： Ray R. Hernandez

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/108 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/3276 ,  G06Q20/34

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for authenticating access to a financial institution service. In some embodiments, a method includes: (a) receiving a user input configured to request access to a financial institution service, and (b) initiating presentation of, using a processor, a first authentication request in an electronic banking environment, wherein the first authentication request prompts a user to initiate capture of an image of a capturable authentication card associated with the account holder. In some embodiments, the method further includes receiving the image of the capturable authentication card, and determining the capturable authentication card is a valid capturable authentication card based at least partially on information extracted from the image of the capturable authentication card. The invention allows a user to enjoy a similar authentication experience prior to accessing a financial institution service at a physical ATM when compared to accessing an electronic financial institution service via an image capture device such as a mobile computing device.

    摘要翻译： 本发明的实施例涉及用于认证对金融机构服务的访问的系统，方法和计算机程序产品。 在一些实施例中，一种方法包括：（a）接收配置成请求访问金融机构服务的用户输入，以及（b）使用处理器发起在电子银行环境中呈现第一认证请求，其中第一 认证请求提示用户开始捕获与帐户持有者相关联的可识别认证卡的图像。 在一些实施例中，该方法还包括接收可识别认证卡的图像，并且至少部分地基于从可拍摄认证卡的图像中提取的信息来确定可拍摄认证卡是有效的可识别认证卡。 当通过诸如移动计算设备的图像捕获设备访问电子金融机构服务时，本发明允许用户在访问物理ATM之前的金融机构服务之前享受类似的认证体验。