The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 06, 2012
Filed:
Jan. 07, 2011
Nicholas P. Johns, Tierre Verde, FL (US);
Jason J. Hogg, Orangeburg, NY (US);
Cory Moreira, St. Petersburg, FL (US);
Nicholas P. Johns, Tierre Verde, FL (US);
Jason J. Hogg, Orangeburg, NY (US);
Cory Moreira, St. Petersburg, FL (US);
American Express Travel Related Services Company, Inc., New York, NY (US);
Abstract
Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services businesss business electronic system to request financial account setup. The onboarding system establishes account access to a pooled custodial account managed by the money services businesss business based on preliminary identification (ID) data from the customer. With only preliminary ID data, account access limits are assigned which reduces the risk of fraud or criminal activity with the customer's account access. Because account access is established with just the preliminary ID data, the customer may fully obtain account access directly from a mobile device. The money services businesss business provides additional graduated access levels depending on additional ID data provided by the customer. Thus, depending on the type of ID data provided by the customer, the customer's account access will have corresponding access level rights to the custodial account.