Fmr Corp.

Robert C Toole

John C McDonough

Hadley Rupert Stern

Jonathan Hromi

Seth Warren Brooks

A computer-implemented method is provided for opening an expedited account for a user. The method includes receiving a request from the user to make a trade associated with at least one financial instrument, in the absence of an account being opened for the user. The method includes determining a plurality of factors in response to the request, the plurality of factors including 1) a credit worthiness score of the user; 2) a source of capital identified by the user to cover the trade; and 3) a type of the at least one financial instrument associated with the trade. The method also includes opening the expedited account for the user with limited trading privileges, in which an amount of fund for trading is advanced to the user based on the plurality of factors. The method further includes allowing the user to make a trade up to the amount of fund advanced.

Methods and systems for expedited trading account funding

A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

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Hingham, MA, United States of America

Robert C Toole